bankruptcy debtor； insolvent; poor debtor

简明释义

破产债务人

英英释义

例句

1.After several failed business ventures, he was officially deemed insolvent 无力偿债.

经过几次失败的商业冒险后，他被正式认定为无力偿债。

2.Many poor debtors 贫困债务人 struggle to make ends meet due to high interest rates.

许多贫困债务人因高利率而难以维持生计。

3.The bank refused to lend money to anyone classified as a bankruptcy debtor 破产债务人.

银行拒绝向任何被归类为破产债务人的人提供贷款。

4.As an insolvent 无力偿债者, she had to file for bankruptcy protection.

作为一个无力偿债者，她不得不申请破产保护。

5.The court declared him a bankruptcy debtor 破产债务人 after he failed to pay his loans.

在他未能偿还贷款后，法庭宣判他为破产债务人。

作文

In today's economic climate, the terms bankruptcy debtor（破产债务人）, insolvent（无力偿债的）, and poor debtor（贫困债务人） are becoming increasingly relevant. Understanding these concepts is crucial for anyone navigating the complexities of personal finance or business management. A bankruptcy debtor is an individual or entity that has filed for bankruptcy protection due to an inability to meet their financial obligations. This legal status provides the debtor with a fresh start by allowing them to discharge certain debts and reorganize their financial affairs. However, the process can be daunting and often comes with long-lasting implications on one’s credit score and financial reputation.On the other hand, being insolvent refers to a state where an individual or organization cannot pay off their debts as they come due. Insolvency can lead to bankruptcy but does not always result in it. An insolvent person may still have assets that could be liquidated to pay off some debts, whereas a bankruptcy debtor has already sought legal relief from those debts. The distinction is important because it affects how creditors view the situation and what options are available to the debtor.A poor debtor is often seen as someone who lacks the financial resources to pay off their debts, but this term can be misleading. Many poor debtors may be facing temporary hardships or unexpected expenses that have led to their current financial situation. It is essential to recognize that being a poor debtor does not inherently mean that a person is irresponsible or reckless with their finances. In fact, many individuals find themselves in difficult situations due to factors beyond their control, such as medical emergencies, job loss, or economic downturns.The stigma surrounding bankruptcy debtors, insolvency, and poor debtors can often prevent individuals from seeking help or exploring solutions to their financial problems. Society tends to view these individuals as failures, which can exacerbate feelings of shame and isolation. However, it is crucial to understand that financial struggles can happen to anyone, and seeking assistance is a sign of strength rather than weakness.Moreover, there are various resources available for those who find themselves in these situations. Financial counseling, debt management programs, and legal advice from bankruptcy attorneys can provide invaluable support to bankruptcy debtors and poor debtors. These resources can help individuals regain control over their finances and work towards a more stable future.In conclusion, terms like bankruptcy debtor, insolvent, and poor debtor represent complex financial realities that many people face today. Understanding these terms and the implications they carry is vital for fostering empathy and support for those experiencing financial difficulties. By breaking down the stigma associated with these labels, we can create a more inclusive society that encourages individuals to seek help and work towards financial recovery without fear of judgment.

在当今的经济环境中，术语破产债务人、无力偿债的和贫困债务人变得越来越相关。理解这些概念对于任何在个人财务或商业管理中导航的人来说都是至关重要的。破产债务人是指因无法满足财务义务而申请破产保护的个人或实体。这种法律地位为债务人提供了一个新的开始，使他们能够解除某些债务并重组其财务事务。然而，这一过程可能令人生畏，并且通常会对个人的信用评分和财务声誉产生长期影响。另一方面，无力偿债的是指个人或组织在到期时无法偿还债务的状态。无力偿债可能导致破产，但并不总是如此。一个无力偿债的人可能仍然拥有可以变现以偿还部分债务的资产，而破产债务人已经寻求法律救济来解决这些债务。这个区别很重要，因为它影响债权人如何看待这种情况，以及债务人可用的选项。贫困债务人常常被视为缺乏偿还债务的财务资源的人，但这个术语可能会误导。许多贫困债务人可能正面临暂时的困难或意外支出，导致他们当前的财务状况。必须认识到，成为贫困债务人并不意味着一个人对自己的财务不负责任或鲁莽。事实上，许多人由于超出其控制范围的因素，如医疗紧急情况、失业或经济衰退，发现自己处于困境中。围绕破产债务人、无力偿债的和贫困债务人的污名往往会阻止个人寻求帮助或探索解决财务问题的方案。社会倾向于将这些个人视为失败者，这可能加剧羞耻感和孤立感。然而，至关重要的是要理解，财务困难可能发生在任何人身上，寻求帮助是一种力量的表现，而不是弱点。此外，对于那些发现自己处于这些情况中的人，有各种资源可供利用。财务咨询、债务管理计划以及来自破产律师的法律建议可以为破产债务人和贫困债务人提供宝贵的支持。这些资源可以帮助个人重新掌控自己的财务，并朝着更稳定的未来努力。总之，像破产债务人、无力偿债的和贫困债务人这样的术语代表了许多人今天面临的复杂财务现实。理解这些术语及其所带来的影响对于培养对经历财务困难的人的同情和支持至关重要。通过打破与这些标签相关的污名，我们可以创造一个更具包容性的社会，鼓励个人寻求帮助，并努力实现财务恢复，而不必担心受到评判。