借人气问个破产的问题，请高人指点

[lian_lian]

1。如果有房产，就不能宣布破产，对吗？
2。如果夫妻双方有一人有工作，另一个能宣布破产吗？

 

[苦逼热狗]

破产的话对自己未来的信用度会有严重影响，轻易不要宣布破产

 

[huhulalahappy]

You can claim banko whether you have a house or not, or even if you have a car. You lose them if you dont want to continu pay the payment, if you want to keep them just to continue pay it.
You pay divident after the amount that you will include in banko, around 3% or so, after discharge, will stay on your credit file for 7 years, within this 7 years, you need a co-signer to sign most of the stuff, and maybe will even get refused with c/s. after that 7 years, you have no credit established, so again need to re-establish it. but, i believe, every1 has a price, i will consider it if it has a good price.
Bored at work, so i can write this much, by the way, you can qqh me, i work as a credit manager,know all the basics about this issue.

 

[mianfei]

don't take such a risk even if they hava a high score of credit recorder, not worth to do so.

 

[Show Girl]

申请破产是最后一步。理论上来讲，在加拿大先seek a negotiated settlement with your creditor in order to continue the business;
2,seek a bankruptcy protection and make a proposal with your creditor;
3,the creditor can appoint a receivor;
4,make an assignment of bankruptcy is the lasr resort.
all your personal property and real property will be the creditors'. also, your blood relatives who involved in thr business within the latest one year will be estimated, it may result their personal bankruptcy ,too. so be carefully making your decision. good luck

 

[czh]

申请破产是最后一步。理论上来讲，在加拿大先seek a negotiated settlement with your creditor in order to continue the business;
2,seek a bankruptcy protection and make a proposal with your creditor;
3,the creditor can appoint a receivor;
4,make an assignment of bankruptcy is the lasr resort.
all your personal property and real property will be the creditors'. also, your blood relatives who involved in thr business within the latest one year will be estimated, it may result their personal bankruptcy ,too. so be carefully making your decision. good luck

据朋友讲，北美有一小群人以申请破产为一致富捷径？有人来讲讲先例吗？

 

[Show Girl]

那就是在申请破产前几年要把名下的personal和real property转给其他人，当然是要信得过的非合伙人。申请破产成功，极小的一部分财产被收刮走了，再向政府申请补助援救。也不会有太多援助金啊，如果要走这步达到致富的目的话。占个位子，求高手悄悄解密！

 

[闲得慌]

别人问怎么破产。你们在劝别人不破产。到底谁更傻啊？

 

[huhulalahappy]

All i know is Personal Banko, nothing about businiess wise. Based on my experience, i think if you really want to do it, do it for big, and banko is better than proposal, since proposal will show r9 or i9 on your file forever as long as you dont clear it, but banko will disappear after 7 years of discharge. and Proposal agency alwasy say they help to consolidate and establish your credit, those are all lies, as soon as they touch your credit, will be the same as banko, and maybe longer time for your credit to refresh.
I can have a fico score of 800 even after banko, coz after everything disappear, i m a new person, just like a 20 years old have no credit can be a 700+ beacon score as well. however, even if you have a fico of 850, you can still be declined from us or bank, since your have thin file, or so called indufficient credit depth. no chance for any credit cards or loan.
i believe people who make money from this are smart, they know how to play this legally, and dont think they are stupid,this is not fraud, needs techniques.
Like i menthioned above, he can still owns the house with banko on file, becasue he has no equity in there, and continue pay rent or mortgage, but take cash or personal cheque. so.