How does the debtor's bankruptcy in the U.S.?

American debtor has never lost his presence of mind. Because that teach western movies? Maybe, but even he knows that a serious situation can always declare bankruptcy. And with all the tricks of the bankrupt smooth. According to statistics, the last couple of years in the U.S. annually for bankruptcy about 1-2 million people. This "crowd" of debtors is mainly based on the 7 th and 13th chapters of the U.S. bankruptcy. According to Chapter 7 debtor to write off the debt, but it loses much of the property. 13th - leaves the property, but a duty breaks for a few years. Fall under the 13th chapter can only citizens with permanent income. Subtleties of bankruptcy most valuable thing that can pick up on the 7 th chapter - this, of course, house. Valuables as jewelry debtors in advance of their own. The car also remains as it is always possible to prove that he is needed for the job. Back in the U.S. will never take away things of prime necessity and means of labor. And considering that the homes in the U.S. today is very cheap, and debts on loans - big, bankrupt even the winner remains. There is only one minus - the credit history of a bankrupt and ruined it for 7 years will not receive any credit in the bank. But after this period of duty he will only give a high percentage - 25-30%. In Russia, the bankruptcy of private citizens unavailable. Although such a mechanism to introduce officials are trying almost every year. There are fears that many voters will declare themselves bankrupt in a fictitious purpose.