갑작스러운 실직이나 천문학적인 병원비, 사업 실패로 인해 도저히 빚을 갚을 수 없는 상황이라면 파산은 '끝'이 아니라 합법적인 '새 출발(Fresh Start)'의 기회입니다.
소득이 낮을 때 빚을 전액 탕감받는 챕터 7(Chapter 7)과, 자산을 지키며 3~5년간 빚을 나누어 갚는 챕터 13(Chapter 13)이 있습니다. 파산을 하면 7~10년간 기록이 남지만 빚 독촉에서 즉시 해방될 수 있으므로, 빚 돌려막기로 고통받고 있다면 파산 전문 변호사와 상담해 보십시오.
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