使用无担保的债务重组贷款避免破产| How to Avoid Bankruptcy

破产是债务人处理自己债务问题的最后的手段。如果当我们面临如此严峻的财务问题时，你可能考虑破产保护。不过在你最终决定走向这个极端之前，是否考虑了申请使用无担保的债务重组贷款避免破产保护的发生。下面告诉你怎样实现这个计划的步骤：

1. 联系你现有的债权人，向他们表达你可能希望通过债务重组贷款的方式来避免破产的发生。告诉你的债权人如果你申请破产保护，破产法的第七章就会免除你的所有债务，今后他们就没法再从你这里得到一分钱了。让你的债权人了解破产法的第七章的内容，促使他们接受你债务重组计划的设想，因为债权人同样会从这个计划收益。

2. 优先从你的债权人那里申请债务重组贷款，比如银行或者相关的金融机构。

3. 联系一个商业的专门帮助债务人申请债务重组而避免破产的贷款中介，这些专业人士是专门帮助那些希望避免破产的人。而他们将从借出钱的银行金融机构得到报酬。

原文如下：
Avoid Bankruptcy With Debt Consolidation & Unsecured Loans

Bankruptcy is intended to be a means of last resort to resolve a debtor's financial issues. If you are facing significant financial challenges, you may contemplate bankruptcy. However, before you move forward in that direction, consider how to avoid bankruptcy with debt consolidation and unsecured loans. There are strategies that you can employ to obtain debt consolidation and unsecured financing as a means to resolve your debt issues and avoid the need for bankruptcy protection.

1. Contact your existing creditors and explain to them that you are pursuing debt consolidation and the possibility of unsecured loans as a means of avoiding a bankruptcy. Advise them that if you file for bankruptcy protection you will file under Chapter 7. Chapter 7 is the type of bankruptcy that results in the discharge of your debt, leaving your creditors with no ability to collect on your accounts. By advising creditors of your intentions and the prospect of Chapter 7 bankruptcy, they likely will be supportive of your efforts to consolidate debt and obtain additional financing because their best interests are served through this course as well.

2. Apply for a debt consolidation or unsecured loan initially with any of your creditors that are banks or similar types of financial institutions.

3. Contact a loan broker. There are loan brokers in business that specialize in assisting people attempting to avoid bankruptcy. These professionals assist in connecting people like you with lenders that specialize in loan consolidation and limited supplemental financing for people dealing with debt issues who want to stay out of the bankruptcy court. These loan brokers do not charge you a fee for their services. They are compensated by a lender if a debt consolidation loan or other type of financing is originated for you.