问题二/Q2
我们是否可以用债务人存于我司的现金保证金来冲抵债务，或暂停债务人的信贷额度？
Can we offset the debt owed against a cash deposit we are holding or suspend the debtor’s line of credit? 

      “自动中止令”禁止在破产程序启动后采取任何行动收回破产申请提交前的任何债务。自动中止令被广泛地解释为有利于债务人。未经法院事先批准而将现金保证金用来冲抵破产申请前债务的行为，可能构成违反自动中止令。因此，在决定是否使用启动破产保护的债务人的现金保证金或中止其信贷额度前，应当向美国破产法律师进行咨询。
       The automatic stay prohibits any act to collect against a prepetition debt after the commencement of the bankruptcy case and is broadly interpreted in favor of debtors. Applying a cash deposit to a prepetition debt without prior court approval may constitute an act to collect a prepetition debt in violation of the automatic stay. It would be worthwhile to consult with a U.S. bankruptcy attorney to determine whether to apply a cash deposit or suspend a line of credit to a debtor in bankruptcy.


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