破产与债务合并
债务合并和破产是个人和公司使用的两种方法debts,,,,知道破产与债务合并之间的差异对于两者之间的决定以管理一个人的债务很重要。当某人必须还清大量债务时,债务合并和破产都提供了某种形式的缓解。为了在破产和债务合并之间做出决定,彻底了解每个过程的含义很重要。以下文章清楚地概述了每个文章,并解释了破产和债务合并之间的相似性和差异。
What is Debt Consolidation?
债务合并是一种用于修改债务以使其更易于管理的技术。债务合并策略允许个人和企业节省债务还款的钱,并作为保护和维护其的一种方式信用评级。So how does debt consolidation work? Debt consolidation allows borrowers to combine all theirloans and debts。一旦债务合并在一起,借款人只向管理资金并将其驱散在许多贷方中的债务合并公司中只有一笔付款。债务合并贷款允许借款人借贷以还清各种债务banks and financial institutions一口气,允许借款人管理一笔贷款。在政府债务合并中,该贷款由政府机构提供。
债务合并的利弊
Pros:
•债务合并允许借款人以更有效的方式管理债务,并允许他们保持信用评级。
•债务合并使偿还债务变得更容易,因为与其以多价债务合并的费率支付多重债务还款,允许借款人付款。
•债务整合公司可以协商lower interest rates, lower monthly payments and better terms thereby reducing the burden on the borrower.
Cons:
•交叉抵押条款可能意味着,即使最初承诺的资产的贷款最初是最新的债务付款,但可能会扣押一项贷款的资产作为一笔贷款的抵押品。
• Borrowers may have to pay taxes on the money that they save from debt consolidation.
什么是破产?
破产gives the borrower the option to either eliminate debts or restructure their debts to a more manageable manner. In order to file for bankruptcy, the borrower has to file their case at a bankruptcy court. They can choose between chapter 7 bankruptcy which eliminates most debt, chapter 13 which allows the borrower to restructure their debts and adopt a manageable repayment plan or chapter 11 which is filed or by corporations. Bankruptcy may be expensive as it involves legal fees. Further, it can damage the borrower’s credit report and make it difficult to obtain loans and other lines of credit. However, bankruptcy offers the borrower protection from creditors (temporarily for chapter 13 as the borrower still needs to make debt repayments).
破产和债务合并有什么区别?
债务合并是向借款人提供的经济救济,这些借款人以不同的利率水平向许多机构偿还债务。债务合并策略使借款人可以以较低的利率进行一次付款,而不是向许多公司付款。破产还提供了经济救济,借款人可以以可管理的方式重组其付款,或者完全消除某些类型的债务。破产和债务合并之间的主要区别在于,债务合并是私人管理的,而破产是通过公开记录公开的。债务合并不会影响您的信用评分,而破产会影响您的信用评级,并使获得贷款非常困难。
概括:
破产与债务合并
• Debt consolidation and bankruptcy are two methods that are used by individuals and firms to manage their debts.
•债务合并允许借款人合并其所有贷款和债务。一旦债务合并在一起,借款人只向管理资金并将其驱散在许多贷方中的债务合并公司中只有一笔付款。
•破产使借款人可以选择消除债务或以更易于管理的方式重组债务。为了申请破产,借款人必须在破产法院提出案件。
•破产和债务合并之间的主要区别在于,债务合并是私人管理的,而破产是通过公开记录公开的。
• Debt consolidation does not affect your credit score, whereas bankruptcy can affect your credit rating and make it very difficult to obtain loans.
照片作者:克里斯·波特(CC BY 2.0)
Further Reading:
琳达·约翰逊(Linda R Johnson)says
这对我来说很好。我很高兴能提供此信息,以便我可以就自己的情况做出更明智的决定。