One method of dealing with debts you can no longer manage, is by declaring yourself bankrupt. 一种方法处理债务，您可以不再管理，是通过宣布自己破产。 However, bankruptcy is not an initiative which should be taken lightly. 但是，破产不是一个倡议，该倡议应掉以轻心。 Bankruptcy is a serious matter which will have an effect on the way you are dealt with by the creditors you wish to establish a relationship with for several years following your discharge. 破产是一个严重的问题，会影响你的方式处理由债权人您想建立一个关系，几年后你出院。
Bankruptcy isn’ta fun thing to do or an easy way out for people who are buried in debt. 破产不是好玩的事或一个简单的方式为人们谁被埋葬在债务。 It is a way to come in aid to people who just can’t get themselves out of debt and can’t get the help that they need. 这是一个方式来援助的人谁不能让自己摆脱债务和不能得到的帮助，他们需要。 How it basically works is that you declare yourself bankrupt and the government then covers your debt and renders you as ‘broke’ to your creditors. 如何作品基本上是，你自己宣布破产，政府然后覆盖你的债务，并使你为'爆发'你的债权人。 This inevitably implies that your record will show that you couldn’t pay your debts. 这就不可避免地意味着，您的记录表明，你不能支付您的债务。 This makes it very difficult for creditors to put their trust in you. 这使得它非常困难的债权人把他们的信任你。
Recent Bankruptcy modifications 最近修改破产
The bankruptcy laws were modified in April 2004, and these modifications made it more easy for people to declare themselves bankrupt by minimizing the time it takes to get rid of bankruptcy from three years down to one year or less. 破产法进行了修改于2004年4月，这些修改意见更容易为人们宣布自己破产，尽量减少所花费的时间摆脱破产从三年至一年或更少。 This change was supposed to support people and help them get back in order again. 这一变化是要支持的人，并帮助他们回来，以便再次。 For private individuals; which are those who don’t run businesses, the effects of personal bankruptcy can be much harder to handle. 对于个人;这是谁不运行的企业，影响个人破产可以更难处理。
Bankruptcy Advantages and Disadvantages 破产的优点和缺点 The truth is that you mustn’t declare yourself bankrupt just because you are having trouble paying your debts. 事实真相是，你必须自己不会宣布破产只是因为你是无法支付的债务。 As mentioned above, bankruptcy should be your last possible resort. 如上所述，破产应该是您的最后手段。 This is due to the fact that you might have to give up most of your possessions as a result. 这是因为，事实上，你可能不得不放弃大部分的财产作为一个结果。 Some of these possessions might comprise; salary as well as investments in your house. 其中一些物品可能构成;工资以及投资于你的房子。
If you own any property or shares in businesses they might have to be sold in order to pay back the money that you owe as well. 如果您拥有任何财产或股份的企业，他们可能会被出售，以便还钱，你欠的。 This entails that your bankruptcy could make you lose you or your family’s house. 这意味着，你的破产可能使你失去你或你的家人的房子。 Even if the house is jointly owned by you and a spouse or parent, you could be forced to sell it so that your share of the proceeds can be used in order to repay debts. 即使房子是由你和配偶或父母，您可能会被迫卖掉它，让您的收益可用于以偿还债务。 Under new rules however, if the trustee that the court appoints hasn’t sold the bankrupt person's home within three years, it will no longer count as part of the estate and might not be reclaimed by you. 根据新的规则但是，如果受托人，法院任命还没有出售破产人的家庭三年内，它将不再算作破产财产的一部分，并可能不是你所开垦。 Don’t hold your breath, however, because this is not all you could lose either. 不要屏住呼吸，然而，因为这不是你可能会失去的。 If you make any money whilst the bankruptcy order is still in place, it could also be withdrawn from you. 如果你把任何资金而破产令仍然有效，也可以撤回您的意见。 This money could come from the lottery, or an inheritance for example. 这笔钱可能来自于彩票，或继承权的例子。 Obviously, you could also find your credit blacklisted for up to 15 years. 当然，你也可以找到您的信用卡黑名单为15年。 So bankruptcy is really an initiative you will want to consider very carefully before you start. 因此，破产实际上是你主动将要非常认真地考虑，然后再开始。 Interested? 兴趣？ Click to go to the next page of our guide: Getting to Grips With Bankruptcy 2 点击进入下一页我们的指南： 如何对付第2破产 | 