... legal action would follow. 30天后债务人接到警告，除非立即偿债，否则对方将采取法律行动。 bankruptcy debtor 破产债务人 aged debtors 长期债务人 ...
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破产债务人可以申请破产，这叫做“自愿破产”。
A debtor may file for bankruptcy, which is called "voluntary bankruptcy".
破产债务人是指作为破产诉讼主体的一个人或一实体。
A debtor is a person or an entity that is the subject of a bankruptcy action.
在第三种情景下，债权人假装债务人没有破产，延长偿还期，减少利息。
In the third scenario, the creditor pretends that the debtor hasn't gone bankrupt, stretches the repayment, and foregoes interest.
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