One reason why governments allow individuals and businesses to declare bankruptcy is that it offers those who lend money or extend credit (creditors) a measure of protection from people or businesses that borrow money or assume debts (debtors) but do not pay what they owe.
अलग - अलग देशों में ये नियम अलग - अलग हैं, और यह मसीही कलीसिया का काम नहीं कि इसके बारे में क़ानूनी सलाह दे ।