完成收樓程序之後，銀行或財務公司就可以委託地產代理賣樓或是直接將單位拍賣，完成整個程序。由財務公司或銀行開始出信，直到完成所有收樓程序的流程平均約需九個月，快則半年，慢則一年也有可能。

要解決沉重債務，破產並非唯一出路。如欠債金額不算太大，債務重組、非正式個人自願安排等方式，或許能幫助欠債人渡過債務難關。欠債人須認真考量破產是否唯一及必須的選擇，才作出最後決定。

指將你的所有信用卡(卡債/卡循)、現金卡、信貸、房貸、車貸等高利率負債，全部統整到同一間銀行集中繳款，

任何人於在破產案中證明一項債權時明知而作出虛假的陳述或在根據破產條例規定的誓章內明知而作出虛假的陳述，即屬犯罪，可判處罰款和監禁。

“實際貸款條件會依銀行貸款商品、個人授信條件而有所差異，歡迎填寫資料，將由專人為您服務”

由於債務重組是法律程序，故申請成功後對所有債權人及欠款人都具法律約束力，但債務重組記錄會出現在破產署名冊內，公眾可隨時查閱得到。

最佳信用卡 熱門信用卡 現金回贈信用卡 飛行里數信用卡 海外簽賬／旅行信用卡 迎新優惠信用卡 網購信用卡 免年費信用卡 銀聯信用卡 學生信用卡 餐飲信用卡 電子錢包信用卡 公司信用卡 八達通自動增值信用卡

二、破產管理人為破產財團請求履行雙務契約所生之債務，或因破產宣告後應履行雙務契約而生之債務。

与中国相比，美国的破产法适用范围更广，不仅法人，個人甚至地方政府都可以申请破产。 參見[编辑]

破產人對於破產管理人或監查人，關於其財產及業務之詢問，有答復之義務。

破產人的受託人會評估破產人須償付比例，破產人有權保留足夠的收入以應付破產人的合理家庭需要，破產人的受託人將會決定有關金額。

債權人對於主席依第二十六條所為之裁定，或對於債權人會議所通過之和解決議有不服時，應自裁定或決議之日起十日內，向法院提出異議。

相關文章： 【破產後申請信用卡】想重建良好信貸評分有咩步驟？（附洗底時間表） 破產 破產以外的選擇？

如果你因為周轉不靈而未能準時還款，甚至同時孭著多筆私人貸款，可考慮用結餘轉戶貸款整合債務，減輕還款壓力。結餘轉戶貸款操作方式，是將現有的一筆或多筆債務，整合及轉移至另一銀行或貸款機構，然後你只需要向一間貸款機構還款，節省利息支出，並簡化債務管理。

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