Legal Update法律资讯 · October 2, 20262026年10月2日
Congress Passes the Bankruptcy Threshold Adjustment Act: Subchapter V Returns to $7.5 Million and Chapter 13 Gets a Single $2.75 Million Limit国会通过《破产门槛调整法》：第十一章V分章恢复750万美元上限，第十三章设单一275万美元上限
IWhat Changed变化内容
Since the temporary $7.5 million limit expired in June 2024, a small business could use Subchapter V of Chapter 11 only if its noncontingent, liquidated debts did not exceed $3,424,000 (for cases filed on or after April 1, 2025, 90 Fed. Reg. 8941), and an individual could use Chapter 13 only with unsecured debts under $526,700 and secured debts under $1,580,125. H.R. 7730, the Bankruptcy Threshold Adjustment Act, passed the House by voice vote on September 16, 2026 and the Senate by unanimous consent on September 28, 2026. It would permanently set the Subchapter V limit at $7,500,000 and replace the two Chapter 13 limits with a single $2,750,000 limit, for cases filed after enactment. As of this update the bill had been sent to the President; confirm its enactment date before relying on the new limits.自临时750万美元上限于2024年6月到期后，小企业只有在非或有、已确定债务不超过3,424,000美元时（适用于2025年4月1日及以后提交的案件，《联邦公报》第90卷第8941页）方可适用第十一章V分章；个人只有在无担保债务低于526,700美元、有担保债务低于1,580,125美元时方可适用第十三章。H.R. 7730《破产门槛调整法》于2026年9月16日经众议院口头表决通过，9月28日经参议院一致同意通过。该法将永久设定V分章上限为7,500,000美元，并以单一2,750,000美元上限取代第十三章的两项上限，适用于法律生效后提交的案件。截至本文，该法案已送交总统；依赖新上限前，请确认其生效日期。
IIAnalysis分析
Subchapter V matters because it allows a small business owner to keep the business without satisfying the absolute priority rule, with no creditors' committee and a plan that only the debtor may propose. Businesses with debts between $3.4 million and $7.5 million, common among restaurants, trading companies and small property owners, were pushed into traditional Chapter 11 or out of bankruptcy altogether. For individuals, the single $2.75 million Chapter 13 limit will bring homeowners with large mortgages and business guaranties back within Chapter 13.V分章的意义在于：小企业主无需满足绝对优先规则即可保留企业，不设债权人委员会，且只有债务人可提出重整计划。债务介于340万至750万美元的企业（常见于餐馆、贸易公司及小型物业业主）此前被迫适用传统第十一章，或完全无法利用破产程序。对个人而言，单一275万美元的第十三章上限，将使背负大额房贷及企业担保的房主重新符合第十三章资格。
IIIWhat To Do Now应对建议
For clients whose debts fall between the old and new limits, coordinate the filing date with the effective date, while using the automatic stay as needed to protect property in the meantime. Recalculate eligibility on the petition date, counting only noncontingent, liquidated debts and excluding debts owed to affiliates or insiders.对债务介于新旧上限之间的客户，应将申请日期与法律生效日相协调，同时视需要利用自动中止保护财产。在申请日重新计算资格，只计入非或有、已确定的债务，并排除欠关联方或内部人的债务。
This update is general information, not legal advice for your situation. Laws and deadlines change; contact us about your matter.本文为一般性信息，不构成针对您个人情况的法律意见。法律及期限可能变化，请就您的具体事务与我们联系。