【正确答案】正确答案： Bankruptcy Bankruptcy is a legal process for people and businesses that are in debt. / In America, two kinds of bankruptcy are most common for individuals. / These are called chapter seven and chapter thirteen. /Chapter thirteen bankruptcy requires people to have a plan to repay their creditors. / They make payments for three to five years / until most of their debt is paid off. / In chapter seven bankruptcy, people must give up some of their property. / The property is then sold to pay their creditors. / But the people are able to keep the money they earn / after they bring their bankruptcy case. /