Bankruptcy

===The Netherlands===
Dutch bankruptcy law is governed by the Dutch Bankruptcy Code (''Faillissementswet''). The code covers three separate legal proceedings. 
* The first is the bankruptcy (''faillissement''). The goal of the bankruptcy is the liquidation of the assets of the company. The bankruptcy applies only to companies. 
* The second legal proceeding in the ''Faillissementswet'' is the ''surseance van betaling''. The ''surseance van betaling'' only applies to companies. Its goal is to reach an agreement with the creditors of the company. It is comparable to filing for protection against creditors. 
* The third proceeding is the ''schuldsanering''. This proceeding is designed for individuals only and is the result of a court ruling. The judge appoints a monitor. The monitor is an independent third party who monitors the individual's ongoing business and decides about financial matters during the period of the ''schuldsanering''. The individual can travel out of the country freely after the judge's decision on the case.
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