bankruptcy petition

简明释义

要求宣布破产

英英释义

例句

1.The bankruptcy petition was approved, allowing the individual to start fresh financially.

这份破产申请获得批准，使个人能够在财务上重新开始。

2.He was advised by his lawyer to file a bankruptcy petition after losing his job.

在失业后，他的律师建议他提交一份破产申请。

3.The company submitted a bankruptcy petition to protect itself from creditors.

该公司提交了一份破产申请以保护自己免受债权人的追索。

4.After months of struggling to pay off debts, she finally decided to file a bankruptcy petition.

在艰难偿还债务几个月后，她终于决定提交一份破产申请。

5.Filing a bankruptcy petition can provide relief from overwhelming financial pressure.

提交一份破产申请可以减轻巨大的财务压力。

作文

In today's economic landscape, financial stability is a crucial concern for individuals and businesses alike. When faced with overwhelming debt, many people consider filing for bankruptcy as a viable option. A key step in this process is the submission of a bankruptcy petition, which serves as a formal request to the court for relief from debts. Understanding what a bankruptcy petition entails is essential for anyone contemplating this significant decision.A bankruptcy petition is essentially a legal document that initiates the bankruptcy process. It outlines the debtor's financial situation, including assets, liabilities, income, and expenses. By filing this petition, individuals or businesses are seeking protection from creditors while they attempt to reorganize their finances or liquidate their assets. The petition must be filed in the appropriate bankruptcy court, and it must adhere to specific legal requirements set forth by the law.There are different types of bankruptcy filings, such as Chapter 7 and Chapter 13 in the United States. A Chapter 7 bankruptcy petition allows for the liquidation of non-exempt assets to pay off creditors, whereas a Chapter 13 bankruptcy petition enables individuals to create a repayment plan to pay back a portion of their debts over time. The choice between these options often depends on the individual's financial situation, income level, and the nature of their debts.Filing a bankruptcy petition can provide several benefits. For one, it offers an automatic stay, which halts all collection activities from creditors, giving the debtor some breathing room. This can be particularly helpful for those facing aggressive collection tactics or impending foreclosure. Additionally, a successful bankruptcy petition can lead to a fresh start financially, allowing individuals to rebuild their credit and regain control over their financial future.However, the decision to file a bankruptcy petition should not be taken lightly. It carries significant long-term consequences, including a negative impact on credit scores and the potential loss of assets. Moreover, the bankruptcy process can be complex and time-consuming, often requiring the assistance of legal professionals who specialize in bankruptcy law. Therefore, it is crucial for individuals to seek advice and thoroughly understand the implications before proceeding with a bankruptcy petition.In conclusion, a bankruptcy petition is a vital tool for those struggling with insurmountable debt. It represents a formal request for relief and can provide a pathway toward financial recovery. However, it is essential to weigh the benefits against the potential drawbacks and to seek professional guidance throughout the process. Ultimately, understanding the intricacies of a bankruptcy petition can empower individuals to make informed decisions about their financial futures.

在当今的经济环境中，财务稳定是个人和企业都非常关心的问题。当面临无法承受的债务时，许多人考虑申请破产作为可行的选择。这个过程中的关键步骤是提交一份破产申请，这是一份正式请求法院解除债务的文件。理解破产申请的内容对于任何考虑这一重要决策的人来说都是至关重要的。破产申请本质上是一份启动破产程序的法律文件。它概述了债务人的财务状况，包括资产、负债、收入和支出。通过提交这份申请，个人或企业寻求在重组财务或清算资产的过程中保护自己免受债权人的追索。申请必须在适当的破产法院提交，并且必须遵循法律规定的特定要求。在美国，有不同类型的破产申请，例如第7章和第13章。第7章破产申请允许清算非豁免资产以偿还债权人，而第13章破产申请则使个人能够制定还款计划，在一段时间内偿还部分债务。在这些选项之间的选择通常取决于个人的财务状况、收入水平和债务性质。提交破产申请可以提供几个好处。首先，它提供了自动停止令，暂停所有债权人的催收活动，给债务人一些喘息的空间。这对于那些面临激进催收手段或即将被止赎的人尤其有帮助。此外，成功的破产申请可以导致财务上的新起点，让个人重建信用并重新掌控自己的财务未来。然而，申请破产申请的决定不应轻易作出。它会带来重大的长期后果，包括对信用评分的负面影响和潜在资产的损失。此外，破产过程可能复杂且耗时，通常需要专业的法律人士的协助，他们专门从事破产法。因此，个人在进行破产申请之前，寻求建议并充分理解其影响至关重要。总之，破产申请是那些面临无法承受债务的人的重要工具。它代表了一种解除债务的正式请求，并可以为财务恢复提供一条途径。然而，必须权衡好处与潜在缺点，并在整个过程中寻求专业指导。最终，理解破产申请的复杂性可以使个人能够对其财务未来做出明智的决策。