回複：這裏有申請破產朋友的經曆嗎？外國學生也可以嗎？

(a) 請問您為什麼需要考慮申請破產 ?
(b) 請問您在那裡 ?
(c)您是否有任何動產或是不動產 ?

以下是一個很好的資料來源於下列的網站應該給您一些幫助

Federal Exemptions that are in addition to and supplentary to New York Exemptions:
http://forums.thelaw.com/archive/index.php/t-1985.html

當您申請chapter 7 破產申請之後您可以保留的東西範例如下

INSURANCE
Annuity contract benefits due debtor who paid for contract where purchased within 6 months prior & not tax-deferred, only up to $5000
Disability/illness benefits to $400 per month
Life insurance proceeds at death where clause limits payment ot creditors
Life insurance proceeds where person creating policy is spouse of the insured
Applicable Law: Insurance 3212(c) and (d), 321(b)(2), Debtor & Creditor 283(1), Estates, Powers & Trusts (EPTL) 7-1.5(a)(2)

HOMES

Real property including co-op, condo or mobile home, to $10,000. (5206(a))

PERSONAL PROPERTY Books to $50 and unlimited for Bible and school books; pictures; clothing; religious pew or seat; stoves with fuel to last 60 days; sewing machine; domestic animal with food to last 60 days, to $450; food to last 60 days; furniture; refrigerator; TV; radio; wedding ring; watch to $35; crockery, cooking utensils and tableware needed, to $5000 total (with farm machinery, etc.)
Burial plot, without structure to ¼ acre
Cash, the lesser of (i) $2500 and (ii) amount that with annuity equals $5000; in lieu of homestead
Health aids, including animals with food
Lost earnings recoveries needed for support
Motor vehicles up to $2400
Lawsuit Awards: Personal injury awards up to $7500 (not to include pain and suffering) and wrongful death awards for a person which you may have depended upon for support
Security deposits to landlord, utility company
Trust fund principal, to 90% of income
Applicable code: 5205(1)-(6) and see subsections (c), (d), (g) and (h), Debtor & Creditor 283(1) and (2) and (3)(iii) & (iv), 5206(f), Debtor & Creditor 282(1) and (3)(ii).


需要更多的資料，您可以到下麵這個網站查詢
http://forums.thelaw.com/archive/index.php/f-23.html

所有跟帖： 

• 謝謝老貓，我的一個朋友名校MBA畢業，銀行給他貸款 -lucky2006- ♀ (210 bytes) () 05/30/2006 postreply 14:40:30

• 我朋友現在boston,我在加洲 -lucky2006- ♀ (0 bytes) () 05/30/2006 postreply 14:41:50

• 回複： 謝謝老貓，我的一個朋友名校MBA畢業，銀行給他貸款 -單身老貓- ♂ (247 bytes) () 05/30/2006 postreply 14:53:30

• 多謝老貓了。 -lucky2006- ♀ (139 bytes) () 05/30/2006 postreply 15:13:39