In this vein, a recent proposal by Eric Posner and Luigi Zingales to facilitate mortgage-debt renegotiation would give a deeply underwater homeowner the right to file a pre-packaged Chapter 13 bankruptcy petition. This would allow her to write down the value of her mortgage by the average house-price depreciation in her postal zone since the borrowing date, in exchange for giving the lender a share of the future house-price appreciation.
就这一点而言，最近，埃里克·波斯纳（Eric Posner）和路易吉·津加莱斯（Luigi Zingales）提出的便于按揭债务重新安排的方案给了在资不抵债深渊中苦苦挣扎的家庭新的权利，他们可以填写预备好的《破产法》第13章申请书。这样，他们就能够减记按揭债务，减记幅度为所在邮区平均住房价格降幅（从按揭生效日起算），作为交换，他们必须向贷款人让渡一部分未来房价升值收益。只要破产法庭认为屋主能够偿还削减后的债务，就会批准申请。