deed of arrangement

简明释义

债务整理证书

英英释义

例句

1.The company entered into a deed of arrangement to restructure its debts and avoid bankruptcy.

该公司签署了一份和解契约以重组其债务并避免破产。

2.A deed of arrangement can help individuals manage their debts without going through bankruptcy.

一份和解契约可以帮助个人管理他们的债务，而无需经历破产。

3.The deed of arrangement was approved by the court, allowing the business to continue operating.

该和解契约获得法院批准，使企业能够继续运营。

4.He signed a deed of arrangement with his creditors to settle his outstanding debts.

他与债权人签署了一份和解契约以解决未偿还的债务。

5.Under the terms of the deed of arrangement, creditors agreed to accept reduced payments.

根据和解契约的条款，债权人同意接受减少的还款。

作文

In the world of finance and law, individuals and businesses sometimes find themselves in precarious situations where they cannot meet their financial obligations. In such cases, a legal mechanism known as a deed of arrangement can provide a viable solution. A deed of arrangement is essentially a formal agreement between a debtor and their creditors that outlines how the debtor intends to repay their debts over a specified period. This type of arrangement is often used as an alternative to bankruptcy, allowing individuals or companies to manage their financial difficulties without losing all their assets.The process begins when a debtor realizes that they are unable to meet their financial commitments. They may approach a licensed insolvency practitioner who will assist them in drafting a deed of arrangement. This document must be carefully constructed to ensure that it meets the legal requirements and is acceptable to the creditors involved. The deed of arrangement will typically detail the percentage of the debt that will be repaid, the timeline for repayments, and any conditions that must be met by both parties.One of the primary benefits of a deed of arrangement is that it allows for a more manageable repayment plan compared to traditional methods. For instance, instead of facing aggressive collection tactics from creditors, the debtor can negotiate terms that are realistic based on their financial situation. This not only provides relief to the debtor but also offers creditors a chance to recover some of the money owed to them, which might not be possible if the debtor were to declare bankruptcy.Moreover, a deed of arrangement can help maintain the debtor's credit rating better than bankruptcy would. While entering into a deed of arrangement will still have a negative impact on one’s credit score, it is often less severe than the repercussions of bankruptcy, which can last for several years. This aspect makes a deed of arrangement an attractive option for those looking to regain control of their finances while minimizing damage to their credit history.However, it is important to note that a deed of arrangement does not absolve the debtor of their responsibilities. The debtor must adhere to the terms outlined in the agreement, and failure to do so can result in serious consequences, including the possibility of legal action from creditors. Therefore, careful consideration and honest assessment of one's financial capabilities are essential before entering into a deed of arrangement.In conclusion, a deed of arrangement serves as a crucial tool for individuals and businesses facing financial hardship. It offers a structured way to address debts while allowing for a degree of flexibility and control over the repayment process. As financial challenges continue to arise in various sectors, understanding options like a deed of arrangement becomes increasingly important. By navigating this process thoughtfully, debtors can work towards regaining their financial footing and rebuilding their lives, making it a significant concept in the realm of financial recovery.

在金融和法律的世界中，个人和企业有时会发现自己处于无法满足财务义务的危险境地。在这种情况下，一种称为债务安排书的法律机制可以提供可行的解决方案。债务安排书本质上是债务人与其债权人之间的正式协议，概述了债务人打算在特定期限内偿还债务的方式。这种安排通常作为破产的替代方案，允许个人或公司在不失去所有资产的情况下管理其财务困难。这一过程始于债务人意识到他们无法履行财务承诺。他们可能会寻求一位持牌破产从业者的帮助，该从业者将协助他们起草一份债务安排书。该文件必须经过仔细构建，以确保其符合法律要求并得到相关债权人的接受。债务安排书通常会详细说明将偿还的债务百分比、偿还的时间表以及双方必须遵守的任何条件。债务安排书的主要好处之一是，它允许比传统方法更易于管理的还款计划。例如，债务人可以谈判出基于其财务状况的现实条款，而不是面临债权人的强硬收款策略。这不仅为债务人提供了缓解，也为债权人提供了追回部分欠款的机会，而如果债务人申请破产，这可能是无法实现的。此外，债务安排书可以帮助债务人比破产更好地维护其信用评级。虽然进入债务安排书仍会对个人信用评分产生负面影响，但通常比破产的后果要轻微，后者可能会持续数年。这一方面使得债务安排书成为那些希望重新控制财务并尽量减少信用历史损害的人的一个有吸引力的选择。然而，重要的是要注意，债务安排书并不免除债务人的责任。债务人必须遵守协议中列出的条款，未能遵守可能会导致严重后果，包括债权人采取法律行动的可能性。因此，在进入债务安排书之前，仔细考虑和诚实评估自己的财务能力至关重要。总之，债务安排书作为面临财务困境的个人和企业的重要工具。它提供了一种结构化的方式来处理债务，同时允许在还款过程中保持一定的灵活性和控制。随着各个行业财务挑战的不断出现，理解像债务安排书这样的选项变得愈发重要。通过谨慎地导航这一过程，债务人可以努力恢复财务稳定，重建生活，使其成为金融复苏领域中的一个重要概念。