来自《耶鲁大学开放课程：金融市场 第24集 第24集》

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  It hasn't happened yet.
  但目前却不能这样做
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  I wanted to mention something else
  我要提到另外一个问题
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  just so you understand what bankruptcy is. There's something
  你们都明白什么是破产 有一种情况
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  called informal bankruptcy. What's the difference?
  叫非正式破产 区别在哪呢
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  With bankruptcy--bankruptcy is for people
  破产是针对那些
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  who have enough foresight to hire a lawyer and go out.
  有足够的预见性聘请律师的人
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  If you are having trouble paying your bills,
  如果你无力支付账单
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  you know enough to go and hire a lawyer.
  你预感到应该去请一名律师
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  The lawyer might demand a little money up front;
  律师 可能会要求事先支付费用
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  the lawyer has to be paid.
  律师费必须给
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  So, you should stop paying your bills and accumulate
  所以你就得停交账单并积攒
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  at least $1,000 so you can go to a lawyer and
  最少1000美元 才能去请律师