破产和止赎

破产与丧失抵押品赎回权

一个人承受着更高的债务水平a shortage of funds to repay debts maybe faced with bankruptcy or foreclosure. They are different from each other, because the implications to the defaulting party of either are very different. However, many people get easily confused with the two terms and mistakenly understand them to refer to the same thing. Nevertheless, it must be noted that bankruptcy or foreclosure can have negative effects on the borrower’s reliability, and may make it more difficult to borrow funds from financial institutions in the future. The following article clearly points out the differences between bankruptcy and foreclosure, how they are related to each other and what implications they may have on a borrower’s credit standing.

What is Bankruptcy?

一个人认为自己有失去资产的风险（通常是通过银行抵押贷款购买的房屋），可以选择填补破产。一个人可以选择填补第7章或第13章破产。第13章破产的提交将为个人提供约3至5年的债务，并提供还款计划，以便个人可以防止其房屋丧失抵押品赎回权。此选项将使个人可以根据法庭上商定的计划偿还债务，以便他可以保留自己的房屋，同时以较慢的速度偿还债务。第7章破产申请是无能为力的声明，要支付债务人的无抵押债务。无抵押债务是在没有任何抵押品的情况下获得的任何债务，以防债务人违约。这些债务包括信用卡债务，医疗账单等。但是，由于抵押贷款并非没有抵押（必须保留房屋作为抵押品，以供银行出售和收回其债务，以防借款人违约）第7章破产申请。不涵盖抵押贷款的贷款。

What is Foreclosure?

止赎是由于无法偿还债务的理由将抵押贷款借款人从他的家中驱逐出境的过程。丧失抵押品赎回权的原因是借款人无法偿还他的贷款，因此必须扣押银行（抵押贷款所在的房屋）并出售以追回损失。当抵押贷款泡沫爆炸时，这是金融危机期间的常见情况。许多面对止赎的人都有许多保护自己的选择，其中一个人正在填补破产。破产申请并不意味着借款人不必偿还所有债务，即使这可能是临时保护，以防止损失所有资产。

破产与丧失抵押品赎回权

破产and foreclosure go hand in hand even though their effects and legal proceedings are quite different to each other. Bankruptcy and foreclosure are both terms that are related to individuals or businesses facing liquidity issues in not being able to repay their debt. Foreclosure is when the borrower needs to surrender the asset bought through the bank in cases when he is unable to repay the debt he obtained to buy that particular asset (e.g.:- house). A bankruptcy, on the other hand, is used to stop foreclosure, as a bankruptcy filing will either eliminate the unsecured debt (chapter 7) or to consolidate and adjust a debt repayment plan (chapter 13). However, it must be kept in mind that both bankruptcy and foreclosure will remain in the borrower’s credit report and affect their creditworthiness.

概括： 有什么区别破产和丧失抵押品赎回权？ •一个负担更高的债务水平和资金短缺来偿还债务的人，可能面临破产或丧失抵押品赎回权。 •当他们认为自己有失去资产的风险时，一个人可以选择为第7章或第13章破产。破产将允许借款人减少债务，或者获得更轻松的还款计划。 •从他家中驱逐抵押贷款借款人的过程被称为丧失抵押品赎回权，丧失抵押品赎回权将以借款人无法偿还债务为由进行。 •通常是为了停止丧失抵押品赎回权以释放借款人无抵押债务（第7章）或提供债务还款计划（第13章）。