bankruptcy debtor

简明释义

破产债务人

英英释义

例句

1.As a 破产债务人, you must attend a meeting with your creditors to discuss your debts.

作为一个破产债务人，你必须参加与债权人的会议来讨论你的债务。

2.After filing for bankruptcy, the 破产债务人 received protection from creditors.

在申请破产后，该破产债务人获得了债权人的保护。

3.The court approved the repayment plan for the 破产债务人 after reviewing their financial situation.

法院在审查了他们的财务状况后，批准了该破产债务人的还款计划。

4.The 破产债务人 was required to disclose all assets during the bankruptcy proceedings.

该破产债务人在破产程序中被要求披露所有资产。

5.The lawyer advised the 破产债务人 on the best course of action to take.

律师建议该破产债务人采取最佳行动方案。

作文

In today's financial landscape, the term bankruptcy debtor refers to an individual or entity that has declared bankruptcy due to an inability to meet their financial obligations. This situation often arises when debts exceed assets, and the debtor finds themselves in a position where they cannot repay their creditors. Understanding the role of a bankruptcy debtor is crucial for both individuals and businesses alike, as it sheds light on the complexities of financial distress and the legal processes involved in bankruptcy. When a person or business files for bankruptcy, they are essentially seeking relief from their debts through a legal process. The most common forms of bankruptcy for individuals are Chapter 7 and Chapter 13 in the United States. In Chapter 7 bankruptcy, the bankruptcy debtor may have their non-exempt assets liquidated to pay off creditors, while in Chapter 13, they can create a repayment plan to pay back a portion of their debts over time. The implications of being a bankruptcy debtor are significant. For individuals, declaring bankruptcy can provide a fresh start by discharging certain debts, but it also comes with long-term consequences such as a damaged credit score and difficulty obtaining loans in the future. For businesses, bankruptcy can serve as a way to restructure and emerge stronger, but it can also lead to loss of control and the potential dissolution of the company. Moreover, the stigma surrounding bankruptcy often discourages individuals from seeking help when they need it most. Many people believe that declaring bankruptcy is a sign of failure, but in reality, it can be a strategic decision made to regain financial stability. Education about financial management and the bankruptcy process is essential to changing this perception and encouraging those in need to seek assistance. The legal framework surrounding bankruptcy debtors is designed to ensure fairness among creditors while providing the debtor with a chance at recovery. The bankruptcy court plays a pivotal role in overseeing the process and ensuring that all parties are treated equitably. Creditors are given the opportunity to file claims against the debtor's estate, and the court determines how available assets will be distributed. In conclusion, the term bankruptcy debtor encapsulates a complex financial status that many individuals and businesses may face at some point. While it carries certain negative connotations, understanding the legal protections and potential benefits associated with bankruptcy can empower debtors to make informed decisions about their financial futures. By demystifying the process and encouraging open conversations about financial struggles, society can help reduce the stigma around bankruptcy and support those who are navigating these challenging waters. Ultimately, recognizing the humanity behind the term bankruptcy debtor is vital in fostering a more compassionate and understanding approach to financial hardship.

在当今的金融环境中，术语破产债务人指的是因无法满足其财务义务而宣告破产的个人或实体。这种情况通常发生在债务超过资产时，债务人发现自己无法偿还债权人。理解破产债务人的角色对个人和企业而言都至关重要，因为它揭示了财务困境的复杂性以及破产相关的法律程序。当个人或企业申请破产时，他们实际上是在通过法律程序寻求债务救济。对于个人来说，美国最常见的破产形式是第7章和第13章。在第7章破产中，破产债务人可能会将其非豁免资产清算以偿还债权人，而在第13章中，他们可以制定还款计划，在一定时间内偿还部分债务。作为破产债务人的影响是显著的。对于个人而言，宣告破产可以通过解除某些债务提供一个全新的开始，但这也伴随着长期的后果，如信用评分受损和未来获得贷款的困难。对于企业而言，破产可以作为重组的方式，使其更强大，但也可能导致失去控制权和公司的潜在解散。此外，围绕破产的污名往往会阻止个人在最需要的时候寻求帮助。许多人认为宣告破产是失败的标志，但实际上，这可能是为了恢复财务稳定而做出的战略决定。关于财务管理和破产程序的教育对于改变这种看法至关重要，并鼓励那些需要帮助的人寻求支持。围绕破产债务人的法律框架旨在确保债权人之间的公平，同时为债务人提供恢复的机会。破产法院在监督这一过程和确保所有各方得到公正对待方面发挥着关键作用。债权人有机会对债务人的财产提出索赔，法院决定如何分配可用资产。总之，术语破产债务人概括了许多个人和企业在某个时刻可能面临的复杂财务状态。虽然它带有某种负面含义，但了解与破产相关的法律保护和潜在好处可以使债务人能够对其财务未来做出明智的决定。通过揭开这一过程的神秘面纱并鼓励人们公开讨论财务困境，社会可以帮助减少对破产的污名，并支持那些正在经历这些艰难时刻的人。最终，认识到破产债务人背后的人性对于培养对财务困境更具同情心和理解的态度至关重要。