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年轻人破产怎么办？（帮家人做担保）
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各位，小弟今年二十出，因为年前帮家人生意做担保人，搞到成为破产人士。
不知如何是好，已经询问银行了，银行不允许分期付款要我一次清完。
简直对人生没希望，最难过还是家人的态度。
请教各位我应该怎样？？？ |
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发表于 23-4-2014 05:44 PM
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21岁担保人，可以担保多少 |
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发表于 25-4-2014 09:01 AM
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发表于 28-4-2014 07:59 AM
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欠了多少? |
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发表于 29-4-2014 03:10 PM
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发表于 29-4-2014 06:06 PM
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楼主 |
发表于 30-4-2014 12:08 PM
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zarbag00 发表于 28-4-2014 07:59 AM 
欠了多少?
450K.gif)
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发表于 1-5-2014 02:33 PM
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你什么情况下做担保哦?高收入还是什么?你20出头?十多岁银行就给你做担保人
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发表于 1-5-2014 10:14 PM
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450k 一次清完? OMG！ 没望~ 本帖最后由 我也不知道 于 1-5-2014 10:15 PM 编辑
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发表于 2-5-2014 10:31 AM
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发表于 2-5-2014 08:30 PM
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发表于 2-5-2014 10:20 PM
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http://www.insolvensi.gov.my/faqs/bankruptcy
自己看。 我帖英文，很时常又会被版主警告了。找些律师朋友帮忙一下。
How can a bankrupt be released from his bankruptcy status?
There are three main ways as to how a bankrupt can have his bankruptcy terminated:
(a) Making an application in court at any time for the bankruptcy order to be annulled on grounds
ie debt has been paid in full or that he ought not to be made a bankrupt on some technical
grounds;
(b) Making an application in court at any time for a court discharge. This is subject to a stringent
requirement and the Insolvency Department has to put a report emphasizing among others the
conduct and cooperation of the bankrupt with the department.
(c) Making an application to the DGI for a discharge under section 33A of Bankruptcy Act 1967. Such
application can only be made only if 5 years has lapsed from the date order was made upon
satisfying some criteria imposed by the DGI for the exercise of his discretion. Among the factors
that the DGI will take into consideration are the conduct of the bankrupt, the extent of his
cooperation with us, the cause for bankruptcy, old age and infirmities etc. |
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发表于 6-5-2014 06:17 PM
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你还是乖乖定时去insolvency department 开会，还钱， 那么你还有机会脱离，不然就算你向法庭申请脱离穷籍，银行也会反对然后不能脱离 |
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发表于 10-5-2014 06:43 PM
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450k?还到什么时候？做鸭都要10年！直接申请破产，没关系的，这5年你自己省吃省住，别坐teksi别买车，别消费奢侈品就可以了！酱年轻没问题啦，大不了以后不买屋子租房子，买个小车子！ |
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发表于 13-5-2014 04:24 PM
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发表于 17-5-2014 09:32 PM
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我见过很多破产人士，5年后又是·好汉一条。欠钱不用还，出来社会照样风光。你可以考虑。 |
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发表于 24-6-2014 03:23 PM
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发表于 24-6-2014 05:57 PM
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andyans 发表于 24-6-2014 03:23 PM
为什么说破产五年后又是好汉呢？请赐教。
5年后又是好汉一条。。。。哈哈哈，不一定啦。
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发表于 24-6-2014 05:58 PM
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你欠银行的450k不用还也不必去insolvency department，破产人士也可以住大屋驾豪车。
你才二十出头，人生还有很多希望，不放弃。
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楼主 |
发表于 27-6-2014 10:27 AM
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福心人六号 发表于 24-6-2014 05:58 PM
你欠银行的450k不用还也不必去insolvency department，破产人士也可以住大屋驾豪车。
你才二十出头，人生还 ...
谢谢～～～
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