Called the "savior of credit-card debtors" and the "personal bankruptcy act," it took effect on April 11. Its provisions, however, are complicated, and many debtors have feared that their ignorance of the proper procedures would result in their applications being rejected. Consequently, they have been rushing to agents, who charge NT $ 60,000 per case, an amount the debtors can ill afford.
這個被稱為「卡債族救星」、「個人破產法」的法案已於 4 月 11 日上路，但因規定複雜，許多卡債族唯恐自己不諳「撇步」，貿然聲請會被法院駁回，導致代辦業者滿天飛，一件約 6 萬元的代辦費，又讓卡債族失血不少。