insolvent

noun

someone who has insufficient assets to cover their debts
債務を払うのに十分な資産のない人

adjective

unable to meet or discharge financial obligations
金銭的な義務に応じられない、または果たせない
- an insolvent person
  支払能力のない人
- an insolvent estate
  負債の全額返済に不十分な資産

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