如欠銀行債不還款, 銀行會否代申請破產?

除非你有樓佢楂手,否則銀行百分之百唔會主動申請你破產....只會寄下信嚇下你啫.........你諗下...如果佢申請你破產又要駛律師費,筆錢又拿唔返....放心...哩個世界冇咁白痴既銀行既......

2015-05-04 08:24:22 補充：
不過我建議最好唔好整花環聯個紀錄....如果唔係紀錄一留就五年....想買樓都難!!!

如果銀行咁好人肯主動幫你破產,咁d人就唔使自己攪破產然後叫銀行唔好再搵佢啦.

ps:如果拖得太耐,銀行通常會賣出街,否則壞帳年年累積,自己都周身屎.

They can. The issue is will they.

Banks rarely file bankruptcy for debtors because the proceeding will result additional loss to the banks.

So naturally, the banks will simply leave the debts as-is and continue their collection process (to keep the statute of limitation alive).

The only time the banks will file is when the banks need to secure certain income for repayment.

2015-05-05 03:28:59 補充：
Practically none.

睇情況，如果你欠幾十億都有可能。