A new study of comprehensive foreign media reports，In the United States，Consumer bankruptcy applicants can be divided into 9 categories，But some of them have intersections。

According to the official website of the official website of the University of Illinois, the University of Illinois, January 20th，Robert M. Lawless, a professor of law at the school、美国爱达荷大学社会学副教授黛博拉·索恩（Deborah Thorne）和美国耶希瓦大学本杰明·卡多佐法学院教授帕梅拉·福伊（Pamela Foohey）合著的论文《 The bet365 best casino games portrait applicant portrait will be published in the Georgia Legal Review。

Current，One of the 10 Americans seeks the help of the consumer bankruptcy system，These people have often struggled for many years for repaying debts。In the past 40 years，Only Laulis、Son、Fuy and other scholars participating in the "Consumer Bankruptcy Project" (CBP) systematically collected data from American consumer bankruptcy applicants。Laulis three in 7 years after joining the project，With the help of the consumer bankruptcy system, the financial situation in the United States has been inspected。

CBP data based on 2013-2019，This research first comprehensive Americans who use the consumer bankruptcy system、General description of generalization。Researchers used the main component analysis method in statistics bet365 live casino games to view the randomly screened 5600 consumer bankruptcy cases，This method can reveal the significant mode of the data concentration，以确定消费者破产申请人的财务和家庭情况差异。

Analysis results show，According to financial and family conditions，U.S. consumer bankruptcy applicants can be classified as the following 9 categories: car owner、Self -use housing owner、African -American families、Women、African -American women、Single mother、Self -employee、Real Estate or Land owner、People who have long been trapped in debt quagmires for a long time。but but，These 9 types are not mutually rejection，Instead, there are many heavy fits。In the total population structure of the United States，Women and African Bet365 app download -American，The proportion of divorced women with African -American women and children with children is high among consumer bankruptcy applicants。Bankruptcy application generally involves one or two or more financial issues，Car and housing are two large expenditures for personal consumption，It is also the two main factor for personal bankruptcy，People apply for bankruptcy for car or housing to avoid being unable to commute or homeless。

Researchers said，The bankruptcy method is an important part of the American Social Security Network，helps reduce the negative financial consequences in the difficult situation。but but，It still has room to improve，An important improvement direction is to change to a consumer bankruptcy system that is closer to personal needs。For example，The bet365 best casino games "2020 Consumer Bankruptcy Reform Act" launched by the United States Congress allows individuals to "customize" bankruptcy applications based on their primary debt reduction demand。but，The bankruptcy method is not a solution to personal financial problems and even the national social problems。

Laulis Talking，The significance of applying for bankruptcy is to reduce debt，in order to better plan the future。But the bankruptcy method is paid for the same workers、Parents with paid holidays、Reliable and affordable children's care services, etc. are not helpful，It is not possible to eliminate the root of people's financial difficulties。Those who consider applying for bankruptcy are already in the abyss，Many people do not live better after Bet365 app download successfully applying for bankruptcy。

(Wang Youran/Compilation)