Most credit agencies run a 15-year blacklist effectively barring bankrupts from receiving credit.大多数信贷机构都有一份为期15年的黑名单，以有效阻止破产者得到贷款。You are bankrupts; your part is over.你们破产了, 你们已经寿终正寝了....

bankrupts的音标：...

v.使破产，使枯竭，使极端贫困( bankrupt的第三人称单数 )...