Bankruptcy is a good solution for someone with considerable debts, no income and no assets. 破产是一个很好的解决方案，具有相当大的债务，没有收入，也没有资产。

Usually, bankruptcy has the highest effect on those that actually have equity in property, some income to dispose of and people that have professional qualifications, because they are the ones who stand to lose the most. 通常情况下，破产具有最高的影响，那些实际上平等的财产，一些收入处置和人民有专业资格，因为他们是站在谁的损失最大。 For instance, a lawyer should try to overlook bankruptcy because the result will be that they won’t be able to practice their profession. 例如，律师应设法忽视破产，因为结果将是，他们将不能够实践他们的职业。

Bankruptcy Alternatives 破产方案

It is possible for you to write to your creditors and look for an informal arrangement that will allow you to repay your debts over a specific and pre-agreed time. 这是您可以写信给你的债权人，并寻找一个非正式的安排，可以让您将您的债务偿还了具体和事先商定的时间。 The only drawback to doing this is that it will not be legally binding and your creditor might choose to ignore it later on and look for direct payment. 唯一的缺点做，这是，它将不具有法律约束力和你的债权人可以选择忽略它以后，寻找直接支付。
If your debts are rather small, ranging between $5000 or less and you have a regular income, the court might agree to set up an order so that you can pay your creditors each month but through the court. 如果你的债务是相当小的，介于5000美元或更少，你有一个固定收入，法院可能会同意建立一个秩序，使您可以支付您每月的债权人，而是通过法院。 Quite obviously, for debts this small, a credit union might be the best bet for you. 很显然，对这个小的债务，储蓄互助社可能是最好的选择适合您。 Basically, these are just banks that are set up to direct your wages toward your debtors, but they will also help to diminish the payments for you and in some cases even remove some of your creditors all together. 基本上，这些只是银行设立的直接你的工资到您的债务人，但他们也将有助于减少支付的你和在某些情况下甚至移除一些您债权人所有在一起。
If you have some bad debt problems, such as debts over $10,000, you might have to turn to bankruptcy in order to help yourself. 如果你有一些不良债务问题，如债务超过$ 10000 ，您可以把破产，以便帮助自己。 You might also want to set up payment arrangements with your creditors. 您也可以建立付款安排与您的债权人。 You can establish an agreement between you and your creditors that will enable you to pay back a percentage of the debt over a set period of time, which usually ranges from around five years. 您可以建立双方之间的协议你和你的债权人，将使你能够支付一定比例的债务超过了一整套的时间内，通常范围从5年左右。

The benefit of doing this is that you will have better control over your assets, fewer restrictions and won't be labeled as bankrupt. 受益的做法是，你将有更好的控制自己的资产，限制较少，因此不会被标示为破产。 This is very good should you be running your own business. 这是非常好的如果你运行你自己的事。 Nevertheless, sometimes, filing for bankruptcy is all that you can do. 然而，有时，申请破产保护是所有你能做。 In this event, it will help to know the exact procedure. 在这种情况下，它将有助于知道确切的程序。 That is what the following section will provide you help with. 这就是下面一节将为您提供帮助。

Keep reading, go to the next page of our bankruptcy recovery guide: Bankruptcy Procedure 请读，请转到下一个网页的破产复苏指南： 破产程序