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Bankruptcy
破產
Bankruptcy is a legal process for people and businesses that are in debt.
破產是為負債人和負債公司制定的一個法律程序，
It is designed to help them get a new start.
旨在幫助他們重新開始，
It is also designed to help their creditors get paid at least some of what they are owed.
并為債權人追回一部分的大款。
In America, two kinds of bankruptcy are most common for individuals. These are called chapter seven and chapter thirteen.
美國有兩種最常見的個人破產方式—被稱為第七章和第十三章，
They are named after the parts of the United States Code that define them.
是以美國法典中定義個人破產的那部分來命名的。
Chapter thirteen bankruptcy requires people to have a plan to repay their creditors. They make payments for three to five years until most of their debt is paid off.
第十三章規定，債務人必須制定在三至五年內還清債務的計劃。
In chapter seven bankruptcy, people must give up some of their property. The property is then sold to pay their creditors.
根據第七章的要求，債務人必須將其部分財產賣掉，以清償債權人。
But the people are able to keep the money they earn after they bring their bankruptcy case.
但是，債務人可以保有在破產案之后所賺得的收入。
Under chapter seven they are also able to keep most of the property they buy after that time.
在第七章破產程序下，債務人仍可保留在那之后所夠得的大部分財產。
