than you can handle--what you have to do is go to a lawyer and

你已无法承受你要做的就是请位律师
file for bankruptcy. Chapter 7 is often the favorite thing

申请破产联邦破产法第七章深得人心
because it gives you a fresh start.

因为能让你重新开始
However, the 2005 law said that

然而 2005年法案则认为
you can't do--as an individual--you can't do Chapter 7

你不能这样执行破产法第七章
unless your income is below the median for your state,

除非你的收入低于你所在州的收入中位数
so I guess you have to forget Chapter 7. I'm assuming that

这样你就只能放弃第七章了我是假设
most of you will be making more than the median income

你们中大多数人的收入都高于
for the state you live in, so cross Chapter 7--

所居住州的收入中位数叉掉第七章
unless you're really in a bad situation--cross Chapter 7 off.

除非你真的穷困潦倒叉掉第七章
Chapter 7 is for--Chapter 11--companies can also do Chapter 7.

第七章对企业也一样适用
Chapter 11 is for companies and

第十一章是针对企业的