Bankruptcy is a good solution for someone with considerable debts, no income and no assets. 破產是一個很好的解決方案，具有相當大的債務，沒有收入，也沒有資產。

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. 通常情況下，破產具有最高的影響，那些實際上平等的財產，一些收入處置和人民有專業資格，因為他們是站在誰的損失最大。 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，律師應設法忽視破產，因為結果將是，他們將不能夠實踐他們的職業。

Bankruptcy Alternatives 破產方案

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. 這是您可以寫信給你的債權人，並尋找一個非正式的安排，可以讓您將您的債務償還了具體和事先商定的時間。 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. 唯一的缺點做，這是，它將不具有法律約束力和你的債權人可以選擇忽略它以後，尋找直接支付。
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. 如果你的債務是相當小的，介於5000美元或更少，你有一個固定收入，法院可能會同意建立一個秩序，使您可以支付您每月的債權人，而是通過法院。 Quite obviously, for debts this small, a credit union might be the best bet for you. 很顯然，對這個小的債務，儲蓄互助社可能是最好的選擇適合您。 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，這些只是銀行設立的直接你的工資到您的債務人，但他們也將有助於減少支付的你和在某些情況下甚至移除一些您債權人所有在一起。
If you have some bad debt problems, such as debts over $10,000, you might have to turn to bankruptcy in order to help yourself. 如果你有一些不良債務問題，如債務超過$ 10000 ，您可以把破產，以便幫助自己。 You might also want to set up payment arrangements with your creditors. 您也可以建立付款安排與您的債權人。 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. 您可以建立雙方之間的協議你和你的債權人，將使你能夠支付一定比例的債務超過了一整套的時間內，通常範圍從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，你將有更好的控制自己的資產，限制較少，因此不會被標示為破產。 This is very good should you be running your own business. 這是非常好的如果你運行你自己的事。 Nevertheless, sometimes, filing for bankruptcy is all that you can do. 然而，有時，申請破產保護是所有你能做。 In this event, it will help to know the exact procedure. 在這種情況下，它將有助於知道確切的程序。 That is what the following section will provide you help with. 這就是下面一節將為您提供幫助。

Keep reading, go to the next page of our bankruptcy recovery guide: Bankruptcy Procedure 請讀，請轉到下一個網頁的破產復甦指南： 破產程序