窮人繼續掙扎著財務問題,有幾種方法可以從債權人那裡得到錢。這些人可以做各種不同的事情來幫助他們,包括財務責任重組,債務合併和破產。當他們有一個大問題時,大多數人做的第一件事是重組他們的財務義務。 這是第一步,只有當他們有大問題時才採取一次。債務人可以與他們的債權人談判,以減少他們的債務,並獲得某些債權人的寬恕。債務結算可以通過債務人和債權人之間的談判進行。 它還可能涉及兩個或兩個以上債權人之間的談判,以延長貸款的期限或停止支付水費。

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