APT Initiatives
APT Business & Economics Resources
Minimising Workloads, Maximising Performance
Established in 1999

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The legal procedure that allows the person(s) responsible for the business’s debts to eliminate, minimise and / or restructure their debts (eg by paying a smaller amount over a longer period of time). An individual (sole trader) or partnership is legally declared bankrupt if they are unable to meet debts as they fall due (ie they are insolvent).

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