大多数信贷机构都有一份为期15年的黑名单，以有效阻止破产者得到贷款。Most credit agencies run a 15-year blacklist effectively barring bankrupts from receiving credit.但破产者不在少数.But more than a few toppled into bankruptcy, and some became insolvent.他变卖破产者的财产...

“破产者”的英语可以翻译为：ankrupt，insolvent，brokee ...