2005年美国个人破产法的一个改动使得破产登记急速下降，而后引起了信用卡大规模的亏损。

A change in America's personal-bankruptcy laws in 2005 led to an abrupt fall in bankruptcy filings, which in turn account for a big chunk of credit-card losses;

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对于个人来说，通常有两种破产保护的类型：第7条和第13条。 这个第几条是指在《联邦破产法》中的条目数。

There are two types of bankruptcy protection commonly used by individuals: Chapter Seven, and Chapter 13, where “chapter” refers to the chapter of the bankruptcy code that describes each one.

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接着对我国《破产法》(草案)中有关免责制度的具体规定进行了评析，指出我国个人破产免责制度立法存在的不足之处。

Then, it evaluates and analyses the provisions of the discharge system in the new bankruptcy law draft of China, and points out the deficiency of the draft.

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