Comparison of adjustment of debtss

The adjustment of debts is a method of arranging the debt by the law.
The method of eliminating the debt in the law, and reproducing the debtor's life is "Voluntary bankruptcy. "
It is "Arbitrary arrangement. " to be going to pay the amount of money decreased to the interest enacted by Interest Limitation Law in three years as a rule every month, and to make it pay off. It is "Individual civil affairs reproduction. " to pay the amount of money greatly reduced without disposing of the house when owning one's home in the principle three years every month.

However, I think that it cannot clearly judge which method is most advantageous for the situation of my debt.
In the exemption from responsibility of the voluntary bankruptcy as a rule, all of the debt are lost.
Therefore, it can be said the procedure that has the economically biggest advantage so that the person who suffers from the helpless, multiple debt life may reproduce the life in the future.
Therefore, it comes to examine other methods when the voluntary bankruptcy is first examined, and the disadvantage in the voluntary bankruptcy becomes disadvantageous for the person when following a procedure for the adjustment of debts.

It should be a very difficult situation (insolvency) in a present income and the property to repay the debt in the future to do the voluntary bankruptcy.
The standard by which it is decided how much there is debt total insolvent is not, and is judged to the end by each situation.
However, it can be judged whether I am insolvent by calculating "Disposable income" that is money that can be freely spent as a standard in the income.
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