来自《耶鲁大学开放课程：金融市场 第24集 第24集》

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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
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  start Chapter 13 bankruptcy proceedings.
  开始进行第十三章的破产程序
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  A lot of people don't have
  很多人没有能力
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  the ability to save $1,000 or to figure this out and
  存1000美元 或者高瞻远瞩的
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  they won't call a lawyer. What is the common thing--
  去找个律师 通常情况下
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  somebody is running up
  他们会深陷