简而言之,破产是解决您永远无法偿还的债务问题的解决方案。因此, 在某些情况下,它可能是克服财务困境的最佳选择。 如果你是一个很少的人 或没有资产或小企业主,第7章破产可能是 your best option

第七章破产有时也称为‘straight bankruptcy.’ It liquidates all your assets and the cash 从 those assets is used to pay off the creditors. However, there are many 利弊 在决定章节之前要考虑的问题 7,一位经验丰富的破产律师 可以向您详细解释。

几乎所有的资产 not exempted from bankruptcy will be sold to pay off the creditors. Although, under the exemptions, most states allow the debtor to retain some of their private property. Bankruptcy will not relieve you 从 paying alimony or child support or any student loan debts.

The bankruptcy process only takes a total of three to six months, giving you relief 从 most debts and a fresh financial 开始。如果您继续获得第7章的豁免,则无法重新提交 for bankruptcy for the next six years.

决定何时 宣布破产 对许多人而言,这可能是一个艰难而混乱的时期。在此问题上,您可以从咨询合格的律师中受益。律师会帮助您解决棘手的财务问题,并建议您申请哪种类型的破产,以寻找解决方案 针对您情况的最佳解决方案。

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