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| How Bankruptcy Works 如何破产工作 by: John Mussi由：约翰Mussi Bankruptcy… a frightening word with serious connotations.破产...一个可怕的词严重的内涵。 In recent years governments have been cracking down, making penalties for bankruptcy more severe in an attempt to make them more difficult to attain so that only those in serious need can apply for them.近年来，政府一直严厉打击，使破产处罚更为严厉，企图使他们更难以实现，只有那些严重的需要，可以申请他们。 Despite the negative image that is associated with bankruptcy and the various problems that come along with declaring a bankruptcy, it doesn't have to be frightening; after all, bankruptcy was designed as a way for those individuals and businesses who find that their finances are out of control to get the help that they need to organize their finances and pay off their debts.尽管负面形象是与破产有关的各种问题，今后随着宣布破产，它没有被可怕的;毕竟，破产的目的是以此为那些个人和企业谁发现它们的财政状况失去了控制，以获得帮助，他们需要安排自己的财务状况和清偿债务。 Once you take the time to understand what bankruptcy is and how it works, you won't find it as scary as you did at first.一旦你花时间来了解破产以及它如何运作，你不会找到它的可怕是你没有在第一。 Defining Bankruptcy界定破产 Bankruptcy is a legal term, meaning that an individual cannot within reason pay off their various debts and have allowed the court system to take over their finances for this purpose.破产是一个法律术语，也就是说，一个人不能合理回报的各种债务，并让法院系统接管其资金用于这一目的。 When filing for bankruptcy, the court will appoint someone to work out the payments to your creditors and to determine how much of your income must go to repay these debts.当申请破产，法院将任命某人工作了付款到您的债权人，并确定有多少你的收入必须去偿还这些债务。 The court will either allow you to make payments, or more likely will deduct a portion of your paycheck toward this goal.法院将可以让您付款，或更可能会扣除一部分的薪水实现这一目标。 During this time, your credit will be limited… both by legal action and by the reluctance of creditors to issue credit lines to individuals who have declared bankruptcy.在此期间，您的信用卡将是有限的...都受到法律的行动和所不情愿的债权人发放贷款额度的个人谁已经宣布破产。 Once the total amount set by the court has been repaid, the bankruptcy will be discharged and you will be able to start rebuilding your credit from the ground up.一旦确定总金额由法院已偿还，破产将出院，你将能够开始重建您的信用卡从地面行动。 Different Types of Bankruptcy不同类型的破产 Several different types of bankruptcy exist, defined by legal codes for certain purposes.几种不同类型的破产存在，界定的法律法规为某些目的。 The exact types of bankruptcy available differ from one country to the next… in the United Kingdom bankruptcy can only legally be applied to individuals and partnerships, whereas in other countries such as the United States or Canada they can be applied to businesses as well.确切类型的破产可以不同于一个国家的未来...在联合王国的破产法律只能适用于个人和合作伙伴关系，而在其他国家，如美国或加拿大，他们可以适用于企业以及。 Regardless of the limitations or allowances set by the government on who is allowed to declare bankruptcy, the general purpose of bankruptcy remains the same.无论是限制或津贴所规定的政府是谁可以宣布破产，一般用途的破产是一样的。 Lasting Effects of Bankruptcy持久的影响破产 While you are working towards discharging a bankruptcy, your options for credit will be exceedingly limited.当你正在努力履行破产，您的选择信贷将极其有限。 Even after you've had your bankruptcy filing discharged, though, you'll still find that you won't have many options for a while… many creditors will still be hesitant to work with you from between six months to two years depending upon the creditor and the service that you're applying for.即使您已经申请破产保护你出院，但您仍发现，你不会有很多的选项，而...许多债权人将仍然犹豫不决与你一道从6个月至两年取决于债权人和服务，您申请。 You should also take care with any offers that you do receive, because they will likely come with high interest rates and additional fees attached.你也应该照顾与任何提供，你接受，因为它们可能会带来高利息的和额外的附加费。 Life After Bankruptcy破产后的生活 Bankruptcy isn't the end of the world… it's actually a chance for a new beginning.破产不是世界的尽头...它实际上是一个机会，一个新的开端。 As time goes by, the bankruptcy on your credit report will begin to matter less and less as you eventually start to establish new positive credit lines and build up your credit again.随着时间的推移，破产您的信用报告将开始事项越来越少，最终你开始建立新的积极的信贷额度，并建立您的信用额度了。 Just like negative reports, your bankruptcy will eventually expire from your credit history; the process may take up to seven years, and until it expires there will still be those who are hesitant to deal with you.就像负面报道，你破产最终将届满从您的信用记录;的过程可能需要长达七年，直到到期仍然会有这些谁不愿意来处理你。 Once it expires, however, the negative reports that preceded it will also be long gone… and you'll find that your newer reports are all that remain.一旦到期，但是，负面报道之前也将早就过去了... ，你会发现，你的新的报告都认为依然存在。 | |||||
