{"id":295898,"date":"2026-05-23T06:04:00","date_gmt":"2026-05-23T13:04:00","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=295898"},"modified":"2026-05-19T12:09:05","modified_gmt":"2026-05-19T19:09:05","slug":"%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","status":"publish","type":"post","link":"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\/","title":{"rendered":"\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5Chapter 7 \u8207Chapter 13"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u8ca1\u52d9\u56f0\u5883\u4e0b\u7684\u91cd\u555f\u4e4b\u9580\uff1a\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5Chapter 7 \u8207Chapter 13\u3002<\/p>\n\n\n\n<!--more-->\n\n\n\n<p class=\"wp-block-paragraph\">\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 <strong>Chapter 7\uff08\u6e05\u7b97\u7834\u7522\uff09<\/strong> \u8207 <strong>Chapter 13\uff08\u50b5\u52d9\u91cd\u6574\uff09<\/strong>\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e00\u3001<\/strong><strong> Chapter 7 <\/strong><strong>\u8207<\/strong><strong> Chapter 13 <\/strong><strong>\u7684\u6838\u5fc3\u5dee\u7570<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Chapter 7<\/strong><strong>\uff1a\u8cc7\u7522\u6e05\u7b97\u8207\u50b5\u52d9\u514d\u9664<\/strong> 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<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u512a\u9ede<\/strong>\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<\/li>\n\n\n\n<li><strong>\u9650\u5236<\/strong>\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<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Chapter 13<\/strong><strong>\uff1a\u6536\u5165\u4fdd\u969c\u8207\u9084\u6b3e\u8a08\u756b<\/strong> 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<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u512a\u9ede<\/strong>\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<\/li>\n\n\n\n<li><strong>\u9650\u5236<\/strong>\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<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e8c\u3001<\/strong><strong> <\/strong><strong>\u4f55\u6642\u662f\u7533\u8acb\u7834\u7522\u4fdd\u8b77\u7684\u6b63\u78ba\u6642\u6a5f\uff1f<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\u5de5\u8cc7\u906d\u5f37\u5236\u6263\u62bc\uff08<\/strong><strong>Wage Garnishment<\/strong><strong>\uff09<\/strong>\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<\/li>\n\n\n\n<li><strong>\u9762\u81e8\u623f\u5c4b\u6cd5\u62cd\u6216\u8eca\u8f1b\u6c92\u6536<\/strong>\uff1a\u7834\u7522\u6cd5\u4e2d\u7684\u300c\u81ea\u52d5\u4e2d\u6b62\u4ee4\u300d\uff08Automatic Stay\uff09\u80fd\u7acb\u5373\u66ab\u505c\u4e00\u5207\u8ffd\u8a0e\u884c\u70ba\uff0c\u70ba\u60a8\u722d\u53d6\u8ac7\u5224\u6216\u5c0b\u6c42\u66ff\u4ee3\u65b9\u6848\u7684\u6642\u9593\u3002<\/li>\n\n\n\n<li><strong>\u50b5\u52d9\u672c\u91d1\u7121\u6cd5\u64bc\u52d5<\/strong>\uff1a\u5982\u679c\u60a8\u6bcf\u6708\u7684\u9084\u6b3e\u50c5\u80fd\u52c9\u5f37\u61c9\u4ed8\u5229\u606f\uff0c\u4e14\u5728\u672a\u4f86\u4e94\u5e74\u5167\u770b\u4e0d\u5230\u9084\u6e05\u672c\u91d1\u7684\u53ef\u80fd\u6027\u3002<\/li>\n\n\n\n<li><strong>\u56e0\u91ab\u7642\u7a81\u767c\u72c0\u6cc1\u5c0e\u81f4\u50b5\u52d9\u5d29\u6f70<\/strong>\uff1a\u4e0d\u53ef\u9810\u898b\u7684\u9f90\u5927\u91ab\u7642\u8cbb\u7528\u662f\u7f8e\u570b\u500b\u4eba\u7834\u7522\u7684\u9996\u8981\u539f\u56e0\u3002<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e09\u3001<\/strong><strong> <\/strong><strong>\u7834\u7522\u5c0d\u4fe1\u7528\u5206\u6578\u7684\u885d\u64ca\u8207\u6062\u5fa9<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7834\u7522\u5c0d\u4fe1\u7528\u7684\u5f71\u97ff\u662f\u96d9\u9762\u6027\u7684\u3002\u77ed\u671f\u5167\uff0c\u4fe1\u7528\u5206\u6578\u7121\u7591\u6703\u5927\u5e45\u4e0b\u964d\uff08\u901a\u5e38\u4e0b\u964d 150 \u81f3 200 \u5206\uff09\uff0c\u4e14\u7834\u7522\u7d00\u9304\u6703\u5728\u4fe1\u7528\u5831\u544a\u4e0a\u505c\u7559\u591a\u5e74\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Chapter 7<\/strong>\uff1a\u6703\u5728\u4fe1\u7528\u5831\u544a\u4e0a\u505c\u7559 <strong>10 <\/strong><strong>\u5e74<\/strong>\u3002<\/li>\n\n\n\n<li><strong>Chapter 13<\/strong>\uff1a\u6703\u5728\u4fe1\u7528\u5831\u544a\u4e0a\u505c\u7559 <strong>7 <\/strong><strong>\u5e74<\/strong>\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u7136\u800c\uff0c\u8a31\u591a\u50b5\u52d9\u4eba\u5728\u7533\u8acb\u7834\u7522\u5f8c\uff0c\u4fe1\u7528\u5206\u6578\u53cd\u800c\u6703\u51fa\u73fe\u300c\u6b62\u8dcc\u56de\u5347\u300d\u7684\u8da8\u52e2\u3002\u539f\u56e0\u5728\u65bc\uff0c\u7834\u7522\u79fb\u9664\u4e86\u5927\u984d\u7684\u903e\u671f\u5e33\u6b3e\u8207\u4e0d\u826f\u8ca0\u50b5\uff0c\u6539\u5584\u4e86\u8ca0\u50b5\u6536\u5165\u6bd4\uff08DTI\uff09\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5982\u4f55\u6062\u5fa9\u4fe1\u7528\uff1f<\/strong> \u5728\u7834\u7522\u7d50\u6848\u5f8c\uff0c\u50b5\u52d9\u4eba\u53ef\u4ee5\u900f\u904e\u7533\u8acb\u300c\u6709\u62b5\u62bc\u4fe1\u7528\u5361\u300d\uff08Secured Credit Card\uff09\u4e26\u6309\u6642\u9084\u6b3e\uff0c\u9010\u6b65\u91cd\u5efa\u4fe1\u7528\u7d00\u9304\u3002\u901a\u5e38\u5728\u7834\u7522\u7d50\u6848 2 \u5230 3 \u5e74\u5f8c\uff0c\u53ea\u8981\u7ba1\u7406\u5f97\u7576\uff0c\u50b5\u52d9\u4eba\u4ecd\u6709\u6a5f\u6703\u7372\u5f97\u4f4e\u5229\u7387\u7684\u623f\u5c4b\u8cb8\u6b3e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7834\u7522\u6cd5\u689d\u6587\u8907\u96dc\uff0c\u4e14\u5404\u5dde\u5c0d\u65bc\u300c\u8c41\u514d\u8cc7\u7522\u300d\u7684\u898f\u5b9a\u5dee\u7570\u6975\u5927\u3002\u9078\u64c7\u932f\u8aa4\u7684\u7ae0\u7bc0\u7533\u8acb\uff0c\u53ef\u80fd\u5c0e\u81f4\u5931\u53bb\u5bf6\u8cb4\u7684\u623f\u7522\u6216\u7121\u6cd5\u89e3\u9664\u95dc\u9375\u50b5\u52d9\u3002\u56e0\u6b64\uff0c\u5728\u505a\u51fa\u6c7a\u5b9a\u524d\uff0c\u8aee\u8a62\u8cc7\u6df1\u7684\u7834\u7522\u6cd5\u5f8b\u5e2b\uff08Bankruptcy Attorney\uff09\u81f3\u95dc\u91cd\u8981\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7834\u7522\u4e26\u975e\u4eba\u751f\u7684\u5931\u6557\uff0c\u800c\u662f\u4e00\u6b21\u6cd5\u5f8b\u8ce6\u4e88\u7684\u8ca1\u52d9\u76e4\u9ede\u3002\u6b63\u78ba\u904b\u7528\u7834\u7522\u4fdd\u8b77\uff0c\u80fd\u8b93\u6df1\u9677\u91d1\u9322\u67b7\u9396\u7684\u5bb6\u5ead\u5378\u4e0b\u91cd\u8ca0\uff0c\u5728\u7a69\u5065\u7684\u6cd5\u5f8b\u652f\u6301\u4e0b\uff0c\u91cd\u65b0\u6b65\u5165\u7406\u6027\u7684\u8ca1\u52d9\u8ecc\u9053\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7de8\u8f2f\u90e8\u6574\u7406<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u672c\u6587\u50c5\u4f9b\u8cc7\u8a0a\u53c3\u8003\uff0c\u4e0d\u69cb\u6210\u6b63\u5f0f\u6cd5\u5f8b\u5efa\u8b70\u3002\u5982\u9700\u6cd5\u5f8b\u5354\u52a9\uff0c\u8acb\u8aee\u8a62\u57f7\u7167\u5f8b\u5e2b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"local,law\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1779516240\"\r\n\t            data-title=\"\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5Chapter 7 \u8207Chapter 13\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u8ca1\u52d9\u56f0\u5883\u4e0b\u7684\u91cd\u555f\u4e4b\u9580\uff1a\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5Chapter 7 \u8207Chapter 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All in One SEO 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"\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 Stay\uff09\u80fd\u7acb\u5373\u66ab\u505c\u4e00\u5207\u8ffd\u8a0e\u884c\u70ba\uff0c\u70ba\u60a8\u722d\u53d6\u8ac7\u5224\u6216\u5c0b\u6c42\u66ff\u4ee3\u65b9\u6848\u7684\u6642\u9593\u3002 \u50b5\u52d9\u672c\u91d1\u7121\u6cd5\u64bc\u52d5\uff1a\u5982\u679c\u60a8\u6bcf\u6708\u7684\u9084\u6b3e\u50c5\u80fd\u52c9\u5f37\u61c9\u4ed8\u5229\u606f\uff0c\u4e14\u5728\u672a\u4f86\u4e94\u5e74\u5167\u770b\u4e0d\u5230\u9084\u6e05\u672c\u91d1\u7684\u53ef\u80fd\u6027\u3002 \u56e0\u91ab\u7642\u7a81\u767c\u72c0\u6cc1\u5c0e\u81f4\u50b5\u52d9\u5d29\u6f70\uff1a\u4e0d\u53ef\u9810\u898b\u7684\u9f90\u5927\u91ab\u7642\u8cbb\u7528\u662f\u7f8e\u570b\u500b\u4eba\u7834\u7522\u7684\u9996\u8981\u539f\u56e0\u3002 \u4e09\u3001 \u7834\u7522\u5c0d\u4fe1\u7528\u5206\u6578\u7684\u885d\u64ca\u8207\u6062\u5fa9\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Raymond\"\/>\n\t<link rel=\"canonical\" href=\"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\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.9\" \/>\n\n\t\t<meta name=\"google-adsense-account\" content=\"ca-pub-9175855296033541\">\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19 - \u8001\u4e2d\u5730\u65b9\u65b0\u805e\u662f\u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u65b0\u805e\u96c6\u5718\uff0c\u591a\u5143\u5316\u5e73\u53f0\u6709\u65b0\u805e\u7db2\u3001\u5f71\u97f3\u7db2\u3001AM1450\u5ee3\u64ad\u96fb\u53f0\u53ca\u514d\u8cbb\u5168\u5f69\u5831\u7d19\u3002\u624b\u6a5f\u63d0\u4f9b\u6700\u65b0\u6700\u5feb\u793e\u5340\u65b0\u805e\uff0c\u670d\u52d960\u842c\u83ef\u88d4\u8b80\u8005\u3002\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5Chapter 7 \u8207Chapter 13 - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta property=\"og:description\" content=\"\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 Stay\uff09\u80fd\u7acb\u5373\u66ab\u505c\u4e00\u5207\u8ffd\u8a0e\u884c\u70ba\uff0c\u70ba\u60a8\u722d\u53d6\u8ac7\u5224\u6216\u5c0b\u6c42\u66ff\u4ee3\u65b9\u6848\u7684\u6642\u9593\u3002 \u50b5\u52d9\u672c\u91d1\u7121\u6cd5\u64bc\u52d5\uff1a\u5982\u679c\u60a8\u6bcf\u6708\u7684\u9084\u6b3e\u50c5\u80fd\u52c9\u5f37\u61c9\u4ed8\u5229\u606f\uff0c\u4e14\u5728\u672a\u4f86\u4e94\u5e74\u5167\u770b\u4e0d\u5230\u9084\u6e05\u672c\u91d1\u7684\u53ef\u80fd\u6027\u3002 \u56e0\u91ab\u7642\u7a81\u767c\u72c0\u6cc1\u5c0e\u81f4\u50b5\u52d9\u5d29\u6f70\uff1a\u4e0d\u53ef\u9810\u898b\u7684\u9f90\u5927\u91ab\u7642\u8cbb\u7528\u662f\u7f8e\u570b\u500b\u4eba\u7834\u7522\u7684\u9996\u8981\u539f\u56e0\u3002 \u4e09\u3001 \u7834\u7522\u5c0d\u4fe1\u7528\u5206\u6578\u7684\u885d\u64ca\u8207\u6062\u5fa9\" \/>\n\t\t<meta property=\"og:url\" content=\"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\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/05\/\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5-Chapter-7-\u8207-Chapter-13.png\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/05\/\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5-Chapter-7-\u8207-Chapter-13.png\" \/>\n\t\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t\t<meta property=\"og:image:height\" content=\"313\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2026-05-23T13:04:00+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-05-19T19:09:05+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5Chapter 7 \u8207Chapter 13 - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta name=\"twitter:description\" content=\"\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 Stay\uff09\u80fd\u7acb\u5373\u66ab\u505c\u4e00\u5207\u8ffd\u8a0e\u884c\u70ba\uff0c\u70ba\u60a8\u722d\u53d6\u8ac7\u5224\u6216\u5c0b\u6c42\u66ff\u4ee3\u65b9\u6848\u7684\u6642\u9593\u3002 \u50b5\u52d9\u672c\u91d1\u7121\u6cd5\u64bc\u52d5\uff1a\u5982\u679c\u60a8\u6bcf\u6708\u7684\u9084\u6b3e\u50c5\u80fd\u52c9\u5f37\u61c9\u4ed8\u5229\u606f\uff0c\u4e14\u5728\u672a\u4f86\u4e94\u5e74\u5167\u770b\u4e0d\u5230\u9084\u6e05\u672c\u91d1\u7684\u53ef\u80fd\u6027\u3002 \u56e0\u91ab\u7642\u7a81\u767c\u72c0\u6cc1\u5c0e\u81f4\u50b5\u52d9\u5d29\u6f70\uff1a\u4e0d\u53ef\u9810\u898b\u7684\u9f90\u5927\u91ab\u7642\u8cbb\u7528\u662f\u7f8e\u570b\u500b\u4eba\u7834\u7522\u7684\u9996\u8981\u539f\u56e0\u3002 \u4e09\u3001 \u7834\u7522\u5c0d\u4fe1\u7528\u5206\u6578\u7684\u885d\u64ca\u8207\u6062\u5fa9\" \/>\n\t\t<meta name=\"twitter:image\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/05\/\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5-Chapter-7-\u8207-Chapter-13.png\" \/>\n\t\t<script type=\"application\/ld+json\" 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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 Stay\uff09\u80fd\u7acb\u5373\u66ab\u505c\u4e00\u5207\u8ffd\u8a0e\u884c\u70ba\uff0c\u70ba\u60a8\u722d\u53d6\u8ac7\u5224\u6216\u5c0b\u6c42\u66ff\u4ee3\u65b9\u6848\u7684\u6642\u9593\u3002 \u50b5\u52d9\u672c\u91d1\u7121\u6cd5\u64bc\u52d5\uff1a\u5982\u679c\u60a8\u6bcf\u6708\u7684\u9084\u6b3e\u50c5\u80fd\u52c9\u5f37\u61c9\u4ed8\u5229\u606f\uff0c\u4e14\u5728\u672a\u4f86\u4e94\u5e74\u5167\u770b\u4e0d\u5230\u9084\u6e05\u672c\u91d1\u7684\u53ef\u80fd\u6027\u3002 \u56e0\u91ab\u7642\u7a81\u767c\u72c0\u6cc1\u5c0e\u81f4\u50b5\u52d9\u5d29\u6f70\uff1a\u4e0d\u53ef\u9810\u898b\u7684\u9f90\u5927\u91ab\u7642\u8cbb\u7528\u662f\u7f8e\u570b\u500b\u4eba\u7834\u7522\u7684\u9996\u8981\u539f\u56e0\u3002 \u4e09\u3001 \u7834\u7522\u5c0d\u4fe1\u7528\u5206\u6578\u7684\u885d\u64ca\u8207\u6062\u5fa9","canonical_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\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"miscellaneous":"&lt;meta name=\"google-adsense-account\" content=\"ca-pub-9175855296033541\"&gt;"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BlogPosting","@id":"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\/#blogposting","name":"\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5Chapter 7 \u8207Chapter 13 - 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News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","description":"\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 Stay\uff09\u80fd\u7acb\u5373\u66ab\u505c\u4e00\u5207\u8ffd\u8a0e\u884c\u70ba\uff0c\u70ba\u60a8\u722d\u53d6\u8ac7\u5224\u6216\u5c0b\u6c42\u66ff\u4ee3\u65b9\u6848\u7684\u6642\u9593\u3002 \u50b5\u52d9\u672c\u91d1\u7121\u6cd5\u64bc\u52d5\uff1a\u5982\u679c\u60a8\u6bcf\u6708\u7684\u9084\u6b3e\u50c5\u80fd\u52c9\u5f37\u61c9\u4ed8\u5229\u606f\uff0c\u4e14\u5728\u672a\u4f86\u4e94\u5e74\u5167\u770b\u4e0d\u5230\u9084\u6e05\u672c\u91d1\u7684\u53ef\u80fd\u6027\u3002 \u56e0\u91ab\u7642\u7a81\u767c\u72c0\u6cc1\u5c0e\u81f4\u50b5\u52d9\u5d29\u6f70\uff1a\u4e0d\u53ef\u9810\u898b\u7684\u9f90\u5927\u91ab\u7642\u8cbb\u7528\u662f\u7f8e\u570b\u500b\u4eba\u7834\u7522\u7684\u9996\u8981\u539f\u56e0\u3002 \u4e09\u3001 \u7834\u7522\u5c0d\u4fe1\u7528\u5206\u6578\u7684\u885d\u64ca\u8207\u6062\u5fa9","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/newsforchinese.com\/v3\/#website"},"breadcrumb":{"@id":"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\/#breadcrumblist"},"author":{"@id":"https:\/\/newsforchinese.com\/v3\/author\/laoho\/#author"},"creator":{"@id":"https:\/\/newsforchinese.com\/v3\/author\/laoho\/#author"},"image":{"@type":"ImageObject","url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/05\/\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5-Chapter-7-\u8207-Chapter-13.png","@id":"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\/#mainImage","width":500,"height":313},"primaryImageOfPage":{"@id":"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\/#mainImage"},"datePublished":"2026-05-23T06:04:00-07:00","dateModified":"2026-05-19T12:09:05-07:00"},{"@type":"WebSite","@id":"https:\/\/newsforchinese.com\/v3\/#website","url":"https:\/\/newsforchinese.com\/v3\/","name":"News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","description":"\u8001\u4e2d\u5730\u65b9\u65b0\u805e\u662f\u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u65b0\u805e\u96c6\u5718\uff0c\u591a\u5143\u5316\u5e73\u53f0\u6709\u65b0\u805e\u7db2\u3001\u5f71\u97f3\u7db2\u3001AM1450\u5ee3\u64ad\u96fb\u53f0\u53ca\u514d\u8cbb\u5168\u5f69\u5831\u7d19\u3002\u624b\u6a5f\u63d0\u4f9b\u6700\u65b0\u6700\u5feb\u793e\u5340\u65b0\u805e\uff0c\u670d\u52d960\u842c\u83ef\u88d4\u8b80\u8005\u3002","inLanguage":"en-US","publisher":{"@id":"https:\/\/newsforchinese.com\/v3\/#organization"}}]},"og:locale":"en_US","og:site_name":"News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19 - \u8001\u4e2d\u5730\u65b9\u65b0\u805e\u662f\u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u65b0\u805e\u96c6\u5718\uff0c\u591a\u5143\u5316\u5e73\u53f0\u6709\u65b0\u805e\u7db2\u3001\u5f71\u97f3\u7db2\u3001AM1450\u5ee3\u64ad\u96fb\u53f0\u53ca\u514d\u8cbb\u5168\u5f69\u5831\u7d19\u3002\u624b\u6a5f\u63d0\u4f9b\u6700\u65b0\u6700\u5feb\u793e\u5340\u65b0\u805e\uff0c\u670d\u52d960\u842c\u83ef\u88d4\u8b80\u8005\u3002","og:type":"article","og:title":"\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5Chapter 7 \u8207Chapter 13 - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","og:description":"\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 Stay\uff09\u80fd\u7acb\u5373\u66ab\u505c\u4e00\u5207\u8ffd\u8a0e\u884c\u70ba\uff0c\u70ba\u60a8\u722d\u53d6\u8ac7\u5224\u6216\u5c0b\u6c42\u66ff\u4ee3\u65b9\u6848\u7684\u6642\u9593\u3002 \u50b5\u52d9\u672c\u91d1\u7121\u6cd5\u64bc\u52d5\uff1a\u5982\u679c\u60a8\u6bcf\u6708\u7684\u9084\u6b3e\u50c5\u80fd\u52c9\u5f37\u61c9\u4ed8\u5229\u606f\uff0c\u4e14\u5728\u672a\u4f86\u4e94\u5e74\u5167\u770b\u4e0d\u5230\u9084\u6e05\u672c\u91d1\u7684\u53ef\u80fd\u6027\u3002 \u56e0\u91ab\u7642\u7a81\u767c\u72c0\u6cc1\u5c0e\u81f4\u50b5\u52d9\u5d29\u6f70\uff1a\u4e0d\u53ef\u9810\u898b\u7684\u9f90\u5927\u91ab\u7642\u8cbb\u7528\u662f\u7f8e\u570b\u500b\u4eba\u7834\u7522\u7684\u9996\u8981\u539f\u56e0\u3002 \u4e09\u3001 \u7834\u7522\u5c0d\u4fe1\u7528\u5206\u6578\u7684\u885d\u64ca\u8207\u6062\u5fa9","og: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\/","og:image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/05\/\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5-Chapter-7-\u8207-Chapter-13.png","og:image:secure_url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/05\/\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5-Chapter-7-\u8207-Chapter-13.png","og:image:width":500,"og:image:height":313,"article:published_time":"2026-05-23T13:04:00+00:00","article:modified_time":"2026-05-19T19:09:05+00:00","twitter:card":"summary_large_image","twitter:title":"\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5Chapter 7 \u8207Chapter 13 - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","twitter:description":"\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 Stay\uff09\u80fd\u7acb\u5373\u66ab\u505c\u4e00\u5207\u8ffd\u8a0e\u884c\u70ba\uff0c\u70ba\u60a8\u722d\u53d6\u8ac7\u5224\u6216\u5c0b\u6c42\u66ff\u4ee3\u65b9\u6848\u7684\u6642\u9593\u3002 \u50b5\u52d9\u672c\u91d1\u7121\u6cd5\u64bc\u52d5\uff1a\u5982\u679c\u60a8\u6bcf\u6708\u7684\u9084\u6b3e\u50c5\u80fd\u52c9\u5f37\u61c9\u4ed8\u5229\u606f\uff0c\u4e14\u5728\u672a\u4f86\u4e94\u5e74\u5167\u770b\u4e0d\u5230\u9084\u6e05\u672c\u91d1\u7684\u53ef\u80fd\u6027\u3002 \u56e0\u91ab\u7642\u7a81\u767c\u72c0\u6cc1\u5c0e\u81f4\u50b5\u52d9\u5d29\u6f70\uff1a\u4e0d\u53ef\u9810\u898b\u7684\u9f90\u5927\u91ab\u7642\u8cbb\u7528\u662f\u7f8e\u570b\u500b\u4eba\u7834\u7522\u7684\u9996\u8981\u539f\u56e0\u3002 \u4e09\u3001 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19:08:03","updated":"2026-05-19 19:09:07","seo_analyzer_scan_date":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/newsforchinese.com\/v3\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/newsforchinese.com\/v3\/category\/local\/\" title=\"\u5730\u65b9\u65b0\u805e\">\u5730\u65b9\u65b0\u805e<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5Chapter 7 \u8207Chapter 13\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/newsforchinese.com\/v3"},{"label":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},{"label":"\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5Chapter 7 \u8207Chapter 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This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/newsforchinese.com\/v3\/wp-includes\/js\/wp-embed.min.js\n<\/script>\n"},"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/05\/\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5-Chapter-7-\u8207-Chapter-13.png","jetpack-related-posts":[{"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":295898,"position":0},"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 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