退休夫妻月入1.2万负债1.2亿？法院：正进行受理前审查

Core Viewpoint - A retired couple in Shenzhen has applied for personal bankruptcy, declaring a total debt of over 1.2 billion yuan while having a combined monthly income of approximately 12,000 yuan, raising public concerns about potential misuse of the bankruptcy system and the phenomenon of "professional debtors" among the elderly [1][2]. Group 1: Bankruptcy Application Details - The couple, Liu and Niu, aged 63 and 62 respectively, reported a combined debt of approximately 126.89 million yuan, with Liu's debt at about 72.8 million yuan and Niu's at around 54.1 million yuan [2][3]. - Their assets include two properties valued at 4.4 million yuan and four commercial properties valued at 500,000 yuan, along with a vehicle worth 16,000 yuan and bank savings of approximately 64,908 yuan [2][3]. Group 2: Background of Debt - Liu started a business in 1998, which ultimately failed, leading to significant debts owed to banks and suppliers. Both individuals are now retired, with Liu receiving a pension of 4,200 yuan per month and Niu 2,500 yuan, supplemented by rental income and family support [3][4]. Group 3: Bankruptcy Process - The bankruptcy application is currently in the pre-acceptance review stage, which involves a strict process including preliminary discussions, application review, and potential hearings with creditors [5][6][7]. - The court will assess the legitimacy of the debts and the applicants' financial situations to determine if the bankruptcy application meets the criteria set by the Shenzhen personal bankruptcy regulations [6][7]. Group 4: Anti-Fraud Measures - Shenzhen has implemented a personal bankruptcy system aimed at protecting honest debtors while preventing fraudulent claims. The system includes measures to ensure transparency and accountability in the bankruptcy process [8].