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Marcus\u7b49\u767e\u8ca8\u516c\u53f8\u5012\u9589\uff0c\u4f46\u5c08\u5bb6\u8868\u793a\uff0c\u64c1\u6709Sears\u548cKmart\u5169\u5927\u96f6\u552e\u9023\u9396\u7cfb\u7d71\u7684Sears\u6c92\u6709\u7834\u7522\u9019\u4e00\u4e8b\u5be6\uff0c\u4e26\u4e0d\u610f\u5473\u8457\u5b83\u662f\u5065\u5eb7\u7684\u3002\u56e0\u70ba\u8a72\u516c\u53f8\u5e7e\u4e4e\u6c92\u6709\u5728\u52aa\u529b\u632f\u8208\u5176\u8ce3\u5834\uff0c\u60f3\u6cd5\u589e\u52a0\u92b7\u552e\u6216\u626d\u8f49\u5931\u6557\u7684\u696d\u52d9\u3002\u8981\u4e0d\u662f\u5176\u5546\u696d\u623f\u5730\u7522\u696d\u52d9\u5728\u6490\uff0cSears\u65bc2020\u5e74\u53ef\u80fd\u5df2\u7d93\u5012\u9589\u4e86\u3002Columbia\u5927\u5b78\u96f6\u552e\u7814\u7a76\u4e3b\u4efbMark Cohen\u8aaa\uff1a\u300c\u4e00\u5207\u90fd\u5728\u52aa\u529b\u4e2d\uff0c\u4f46\u662f\u5f88\u986f\u7136\u7684\uff0c\u767e\u8ca8\u516c\u53f8\u662f\u6c92\u6709\u5e02\u5834\u7684\u3002\u51fa\u65bc\u6240\u6709\u610f\u5716\u548c\u76ee\u7684\uff0c\u4ed6\u5011\u5df2\u7d93\u5b8c\u4e86\u3002\u300d 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&quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/01\/sears-store-closing.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/01\/sears-store-closing.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/01\/sears-store-closing.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":295898,"url":"https:\/\/newsforchinese.com\/v3\/2026\/05\/23\/%e8%a7%a3%e6%9e%90%e7%be%8e%e5%9c%8b%e7%a0%b4%e7%94%a2%e6%b3%95chapter-7-%e8%88%87chapter-13\/","url_meta":{"origin":234502,"position":3},"title":"\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5Chapter 7 \u8207Chapter 13","author":"Raymond","date":"May 23, 2026","format":false,"excerpt":"\u8ca1\u52d9\u56f0\u5883\u4e0b\u7684\u91cd\u555f\u4e4b\u9580\uff1a\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5Chapter 7 \u8207Chapter 13\u3002 \u5728\u5145\u6eff\u8b8a\u6578\u7684\u7d93\u6fdf\u74b0\u5883\u4e2d\uff0c\u500b\u4eba\u6216\u5bb6\u5ead\u6709\u6642\u6703\u9677\u5165\u96e3\u4ee5\u8ca0\u8377\u7684\u50b5\u52d9\u6ce5\u6cbc\u3002\u7f8e\u570b\u806f\u90a6\u7834\u7522\u6cd5\uff08Bankruptcy Code\uff09\u63d0\u4f9b\u4e86\u4e00\u7a2e\u6cd5\u5f8b\u6a5f\u5236\uff0c\u65e8\u5728\u8b93\u8aa0\u5be6\u4f46\u9677\u5165\u56f0\u5883\u7684\u50b5\u52d9\u4eba\u7372\u5f97\u300c\u91cd\u65b0\u958b\u59cb\u300d\uff08Fresh Start\uff09\u7684\u6a5f\u6703\u3002\u5728\u500b\u4eba\u7834\u7522\u7533\u8acb\u4e2d\uff0c\u6700\u5e38\u898b\u7684\u5169\u7a2e\u5f62\u5f0f\u5206\u5225\u662f Chapter 7\uff08\u6e05\u7b97\u7834\u7522\uff09 \u8207 Chapter 13\uff08\u50b5\u52d9\u91cd\u6574\uff09\u3002\u7406\u89e3\u5169\u8005\u7684\u672c\u8cea\u5dee\u7570\u3001\u7533\u8acb\u6642\u6a5f\u53ca\u5176\u5c0d\u4fe1\u7528\u7684\u9577\u9060\u5f71\u97ff\uff0c\u662f\u505a\u51fa\u8ca1\u52d9\u6c7a\u7b56\u7684\u95dc\u9375\u3002 \u4e00\u3001 Chapter 7 \u8207 Chapter 13 \u7684\u6838\u5fc3\u5dee\u7570 1. Chapter 7\uff1a\u8cc7\u7522\u6e05\u7b97\u8207\u50b5\u52d9\u514d\u9664 Chapter 7 \u901a\u5e38\u88ab\u7a31\u70ba\u300c\u6e05\u7b97\u7834\u7522\u300d\u3002\u5176\u904e\u7a0b\u662f\u7531\u6cd5\u9662\u6307\u5b9a\u7684\u4fe1\u8a17\u4eba\uff08Trustee\uff09\u6536\u96c6\u50b5\u52d9\u4eba\u7684\u300c\u975e\u8c41\u514d\u8cc7\u7522\u300d\uff08\u5982\u7b2c\u4e8c\u5957\u623f\u7522\u3001\u6602\u8cb4\u73e0\u5bf6\u7b49\uff09\uff0c\u5c07\u5176\u8b8a\u73fe\u4ee5\u511f\u9084\u50b5\u6b0a\u4eba\u3002\u7136\u800c\uff0c\u5927\u591a\u6578\u7533\u8acb\u8005\u80fd\u900f\u904e\u5404\u5dde\u6216\u806f\u90a6\u7684\u8c41\u514d\u689d\u6b3e\u4fdd\u7559\u57fa\u672c\u751f\u6d3b\u7269\u8cc7\uff08\u5982\u4e3b\u8981\u4f4f\u6240\u7684\u90e8\u5206\u6b0a\u76ca\u3001\u5ec9\u50f9\u6c7d\u8eca\u53ca\u751f\u6d3b\u5fc5\u9700\u54c1\uff09\u3002 \u512a\u9ede\uff1a\u6d41\u7a0b\u6975\u5feb\uff08\u901a\u5e38 3 \u81f3 6 \u500b\u6708\u5373\u53ef\u7d50\u6848\uff09\uff0c\u4e14\u5927\u90e8\u5206\u7121\u64d4\u4fdd\u50b5\u52d9\uff08\u5982\u4fe1\u7528\u5361\u3001\u91ab\u7642\u5e33\u55ae\uff09\u53ef\u88ab\u5b8c\u5168\u62b9\u9664\u3002 \u9650\u5236\uff1a\u7533\u8acb\u4eba\u5fc5\u9808\u901a\u904e\u300c\u6536\u5165\u6e2c\u8a66\u300d\uff08Means Test\uff09\uff0c\u8b49\u660e\u5176\u6536\u5165\u4f4e\u65bc\u5dde\u5e73\u5747\u6c34\u5e73\u6216\u7121\u529b\u652f\u4ed8\u57fa\u672c\u751f\u6d3b\u958b\u652f\u3002 2. Chapter 13\uff1a\u6536\u5165\u4fdd\u969c\u8207\u9084\u6b3e\u8a08\u756b Chapter 13 \u88ab\u7a31\u70ba\u300c\u5de5\u85aa\u65cf\u8a08\u756b\u300d\u3002\u5b83\u4e0d\u8981\u6c42\u6e05\u7b97\u8cc7\u7522\uff0c\u800c\u662f\u5141\u8a31\u50b5\u52d9\u4eba\u5229\u7528\u672a\u4f86 3 \u81f3 5 \u5e74\u7684\u6536\u5165\u5236\u5b9a\u9084\u6b3e\u8a08\u756b\u3002 \u512a\u9ede\uff1a\u53ef\u4ee5\u4fdd\u8b77\u4f4f\u623f\u514d\u65bc\u6cd5\u62cd\uff08\u900f\u904e\u88dc\u9f4a\u903e\u671f\u623f\u8cb8\uff09\uff0c\u4e14\u80fd\u4fdd\u7559\u6240\u6709\u8ca1\u7522\u3002 \u9650\u5236\uff1a\u7533\u8acb\u4eba\u5fc5\u9808\u6709\u7a69\u5b9a\u6536\u5165\uff0c\u4e14\u7e3d\u50b5\u52d9\u984d\uff08\u6709\u64d4\u4fdd\u8207\u7121\u64d4\u4fdd\uff09\u9700\u5728\u6cd5\u5f8b\u898f\u5b9a\u7684\u9650\u984d\u5167\u3002\u9019\u662f\u4e00\u7a2e\u300c\u9084\u50b5\u8a08\u756b\u300d\uff0c\u800c\u975e\u76f4\u63a5\u62b9\u9664\u3002 \u4e8c\u3001 \u4f55\u6642\u662f\u7533\u8acb\u7834\u7522\u4fdd\u8b77\u7684\u6b63\u78ba\u6642\u6a5f\uff1f \u7834\u7522\u61c9\u88ab\u8996\u70ba\u300c\u6700\u5f8c\u7684\u624b\u6bb5\u300d\uff0c\u800c\u975e\u9996\u9078\u3002\u4ee5\u4e0b\u5e7e\u7a2e\u60c5\u6cc1\u901a\u5e38\u662f\u8003\u616e\u7533\u8acb\u7684\u6642\u6a5f\uff1a \u5de5\u8cc7\u906d\u5f37\u5236\u6263\u62bc\uff08Wage Garnishment\uff09\uff1a\u7576\u50b5\u6b0a\u4eba\u958b\u59cb\u900f\u904e\u6cd5\u9662\u6263\u62bc\u90e8\u5206\u85aa\u6c34\uff0c\u5c0e\u81f4\u60a8\u7121\u6cd5\u7dad\u6301\u57fa\u672c\u751f\u6d3b\u3002 \u9762\u81e8\u623f\u5c4b\u6cd5\u62cd\u6216\u8eca\u8f1b\u6c92\u6536\uff1a\u7834\u7522\u6cd5\u4e2d\u7684\u300c\u81ea\u52d5\u4e2d\u6b62\u4ee4\u300d\uff08Automatic\u2026","rel":"","context":"In &quot;\u5730\u65b9\u65b0\u805e&quot;","block_context":{"text":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/05\/%E6%B7%B1%E5%85%A5%E8%A7%A3%E6%9E%90%E7%BE%8E%E5%9C%8B%E7%A0%B4%E7%94%A2%E6%B3%95-Chapter-7-%E8%88%87-Chapter-13.png?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":294306,"url":"https:\/\/newsforchinese.com\/v3\/2026\/04\/26\/%e8%a7%a3%e6%9e%90%e7%be%8e%e5%9c%8b%e7%a0%b4%e7%94%a2%e6%b3%95chapter-7-%e8%88%8713\/","url_meta":{"origin":234502,"position":4},"title":"\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5Chapter 7 \u820713","author":"Raymond","date":"April 26, 2026","format":false,"excerpt":"\u8ca1\u52d9\u56f0\u5883\u4e0b\u7684\u91cd\u555f\u4e4b\u9580\uff1a\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5Chapter 7 \u8207Chapter 13\u3002 \u5728\u5145\u6eff\u8b8a\u6578\u7684\u7d93\u6fdf\u74b0\u5883\u4e2d\uff0c\u500b\u4eba\u6216\u5bb6\u5ead\u6709\u6642\u6703\u9677\u5165\u96e3\u4ee5\u8ca0\u8377\u7684\u50b5\u52d9\u6ce5\u6cbc\u3002\u7f8e\u570b\u806f\u90a6\u7834\u7522\u6cd5\uff08Bankruptcy Code\uff09\u63d0\u4f9b\u4e86\u4e00\u7a2e\u6cd5\u5f8b\u6a5f\u5236\uff0c\u65e8\u5728\u8b93\u8aa0\u5be6\u4f46\u9677\u5165\u56f0\u5883\u7684\u50b5\u52d9\u4eba\u7372\u5f97\u300c\u91cd\u65b0\u958b\u59cb\u300d\uff08Fresh Start\uff09\u7684\u6a5f\u6703\u3002\u5728\u500b\u4eba\u7834\u7522\u7533\u8acb\u4e2d\uff0c\u6700\u5e38\u898b\u7684\u5169\u7a2e\u5f62\u5f0f\u5206\u5225\u662f Chapter 7\uff08\u6e05\u7b97\u7834\u7522\uff09 \u8207 Chapter 13\uff08\u50b5\u52d9\u91cd\u6574\uff09\u3002\u7406\u89e3\u5169\u8005\u7684\u672c\u8cea\u5dee\u7570\u3001\u7533\u8acb\u6642\u6a5f\u53ca\u5176\u5c0d\u4fe1\u7528\u7684\u9577\u9060\u5f71\u97ff\uff0c\u662f\u505a\u51fa\u8ca1\u52d9\u6c7a\u7b56\u7684\u95dc\u9375\u3002 \u4e00\u3001 Chapter 7 \u8207 Chapter 13 \u7684\u6838\u5fc3\u5dee\u7570 1. Chapter 7\uff1a\u8cc7\u7522\u6e05\u7b97\u8207\u50b5\u52d9\u514d\u9664 Chapter 7 \u901a\u5e38\u88ab\u7a31\u70ba\u300c\u6e05\u7b97\u7834\u7522\u300d\u3002\u5176\u904e\u7a0b\u662f\u7531\u6cd5\u9662\u6307\u5b9a\u7684\u4fe1\u8a17\u4eba\uff08Trustee\uff09\u6536\u96c6\u50b5\u52d9\u4eba\u7684\u300c\u975e\u8c41\u514d\u8cc7\u7522\u300d\uff08\u5982\u7b2c\u4e8c\u5957\u623f\u7522\u3001\u6602\u8cb4\u73e0\u5bf6\u7b49\uff09\uff0c\u5c07\u5176\u8b8a\u73fe\u4ee5\u511f\u9084\u50b5\u6b0a\u4eba\u3002\u7136\u800c\uff0c\u5927\u591a\u6578\u7533\u8acb\u8005\u80fd\u900f\u904e\u5404\u5dde\u6216\u806f\u90a6\u7684\u8c41\u514d\u689d\u6b3e\u4fdd\u7559\u57fa\u672c\u751f\u6d3b\u7269\u8cc7\uff08\u5982\u4e3b\u8981\u4f4f\u6240\u7684\u90e8\u5206\u6b0a\u76ca\u3001\u5ec9\u50f9\u6c7d\u8eca\u53ca\u751f\u6d3b\u5fc5\u9700\u54c1\uff09\u3002 \u512a\u9ede\uff1a\u6d41\u7a0b\u6975\u5feb\uff08\u901a\u5e38 3 \u81f3 6 \u500b\u6708\u5373\u53ef\u7d50\u6848\uff09\uff0c\u4e14\u5927\u90e8\u5206\u7121\u64d4\u4fdd\u50b5\u52d9\uff08\u5982\u4fe1\u7528\u5361\u3001\u91ab\u7642\u5e33\u55ae\uff09\u53ef\u88ab\u5b8c\u5168\u62b9\u9664\u3002 \u9650\u5236\uff1a\u7533\u8acb\u4eba\u5fc5\u9808\u901a\u904e\u300c\u6536\u5165\u6e2c\u8a66\u300d\uff08Means Test\uff09\uff0c\u8b49\u660e\u5176\u6536\u5165\u4f4e\u65bc\u5dde\u5e73\u5747\u6c34\u5e73\u6216\u7121\u529b\u652f\u4ed8\u57fa\u672c\u751f\u6d3b\u958b\u652f\u3002 2. Chapter 13\uff1a\u6536\u5165\u4fdd\u969c\u8207\u9084\u6b3e\u8a08\u756b Chapter 13 \u88ab\u7a31\u70ba\u300c\u5de5\u85aa\u65cf\u8a08\u756b\u300d\u3002\u5b83\u4e0d\u8981\u6c42\u6e05\u7b97\u8cc7\u7522\uff0c\u800c\u662f\u5141\u8a31\u50b5\u52d9\u4eba\u5229\u7528\u672a\u4f86 3 \u81f3 5 \u5e74\u7684\u6536\u5165\u5236\u5b9a\u9084\u6b3e\u8a08\u756b\u3002 \u512a\u9ede\uff1a\u53ef\u4ee5\u4fdd\u8b77\u4f4f\u623f\u514d\u65bc\u6cd5\u62cd\uff08\u900f\u904e\u88dc\u9f4a\u903e\u671f\u623f\u8cb8\uff09\uff0c\u4e14\u80fd\u4fdd\u7559\u6240\u6709\u8ca1\u7522\u3002 \u9650\u5236\uff1a\u7533\u8acb\u4eba\u5fc5\u9808\u6709\u7a69\u5b9a\u6536\u5165\uff0c\u4e14\u7e3d\u50b5\u52d9\u984d\uff08\u6709\u64d4\u4fdd\u8207\u7121\u64d4\u4fdd\uff09\u9700\u5728\u6cd5\u5f8b\u898f\u5b9a\u7684\u9650\u984d\u5167\u3002\u9019\u662f\u4e00\u7a2e\u300c\u9084\u50b5\u8a08\u756b\u300d\uff0c\u800c\u975e\u76f4\u63a5\u62b9\u9664\u3002 \u4e8c\u3001 \u4f55\u6642\u662f\u7533\u8acb\u7834\u7522\u4fdd\u8b77\u7684\u6b63\u78ba\u6642\u6a5f\uff1f \u7834\u7522\u61c9\u88ab\u8996\u70ba\u300c\u6700\u5f8c\u7684\u624b\u6bb5\u300d\uff0c\u800c\u975e\u9996\u9078\u3002\u4ee5\u4e0b\u5e7e\u7a2e\u60c5\u6cc1\u901a\u5e38\u662f\u8003\u616e\u7533\u8acb\u7684\u6642\u6a5f\uff1a \u5de5\u8cc7\u906d\u5f37\u5236\u6263\u62bc\uff08Wage Garnishment\uff09\uff1a\u7576\u50b5\u6b0a\u4eba\u958b\u59cb\u900f\u904e\u6cd5\u9662\u6263\u62bc\u90e8\u5206\u85aa\u6c34\uff0c\u5c0e\u81f4\u60a8\u7121\u6cd5\u7dad\u6301\u57fa\u672c\u751f\u6d3b\u3002 \u9762\u81e8\u623f\u5c4b\u6cd5\u62cd\u6216\u8eca\u8f1b\u6c92\u6536\uff1a\u7834\u7522\u6cd5\u4e2d\u7684\u300c\u81ea\u52d5\u4e2d\u6b62\u4ee4\u300d\uff08Automatic\u2026","rel":"","context":"In 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\u9019\u500b\u81ea\u7a31\u70ba\u300cFTX\u50b5\u52d9\u4eba\u300d\u7684\u5718\u9ad4\uff0c\u6c92\u6709\u63ed\u9732\u90a3\u4e9b\u4eba\u6216\u7d44\u7e54\u8981\u9084\u9322\uff0c\u4f46\u5f37\u8abf\u4fe1\u662f\u5f88\u6e96\u78ba\u5730\u5bc4\u7d66\u90a3\u4e9b\u5f9eFTX\u50b5\u52d9\u4eba\uff0c\u6216\u8005\u9019\u9593\u52a0\u5bc6\u8ca8\u5e63\u4ea4\u6613\u6240\u524dCEO\uff0cSam Bankman-Fried\u6536\u5230\u6350\u6b3e\u7684\u6536\u4fe1\u8005\u3002 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