生活在貧困中的美國人仍然非常害怕他們的債務問題,並努力償還它。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。債務結算通常是債權人和債務人找到一個幫助你償還債務的方法。 你可能能夠與你的債權人談判,讓他們同意延長你的貸款償還條款。

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