By John R. Sutherland
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Extra info for Going Broke: Bankruptcy, Business Ethics, and the Bible
For a fraction of a consultant's fee, the wisdom of years of business success can be made available to struggling firms. Their last dime is in the business. In addition, many entrepreneurs, valuing their independence, refuse to consider finding a private investor who could inject money into the business and reduce dependence on lending institutions. A company may be in a poor shape and not realize its condition until the point of no return. Careful attention to payables is essential to retaining good credit status.
This leaves the following. Chapter 7—Liquidation, also known as straight or ordinary bankruptcy. Chapter 11—Reorganization, which provides for reorganization of businesses. Chapter 13—Adjustment of Debts of an Individual with Regular Income, which parallels Canada's Orderly Payment of Debts in many respects. A brief overview follows. The petition must include the names and addresses of all secured and unsecured creditors and the amount owed each, as well as a list of all assets and property owned by the debtor.
Then about 1965 God began to prosper the business. We take what God sends in and each year write a check for 10% of it, which is over the 5% the government allows as a writeoff for charitable purposes. " I responded. " And he does. We have been systematically Page 41 paying back every dollar—including the 80% that our creditors forgave. I know now why I had 228 creditors: God wanted me to be able to witness to 228 people! Used by permission. Unluckily, I am bad at science, Farfrae; bad at figures—a rule o'thumb sort of man.