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那些掙扎償還債務的債務人繼續掙扎生存。您有各種可能幫助您的選項,例如重組財務義務,提交破產申請,並與債權人談判償還債務。這通常是人們在處於困境時做的第一件事,但它也可能導致你進行破產聽證,尋求建議。這將涉及債務人和債權人之間的談判,以減少您欠他們的金額,甚至涉及一些債務的寬恕。債務清算涉及與債權人談判,試圖讓他們在未來支付你更少,或試圖安排償還安排,以便你有一個更短的償還期。
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