人們仍然面臨財務困難,並獲得了一些選擇,包括債務重組,債務合併和破產。債務人可以採取許多不同的選擇,包括重組他們的財務義務,與債權人進行談判,甚至破產。債務重組通常是當人們面臨困難時做的第一件事。 這將使他們盡快償還債務。根據情況,你也可能能夠與你的債權人談判,以獲得較低的債務,甚至赦免他們。債務解決涉及債權人和債務人之間的談判,以獲得為雙方工作的支付時間表。 這可能導致付款延長或債權人同意的協議條款發生變化。

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