我國因為嚴重的雙卡風暴造成龐大的個人債務問題，使個人債務清理問題成為我們急需解決之重大焦點。我國除了消費者債務清理條例外，事實上仍有現行破產法得以選擇，而現行破產法自民國24年施行以降，並無太大修正，故甚少被使用。近年我國積極修正破產法，最新版本為2009年最新修正之債務清理法草案（原破產法更名），未來通過後消費者勢必有程序選擇上之困難，故本文針對目前現行消費者債務清理條例及未來即將通過之債務清理法草案提出個人未來於債務清理程序之建構。 本文首先藉由消費者債務清理條例及債務清理法草案之制度和修法現況來對我國目前破產法於個人債務清理制度的態度做出剖析。針對本文所主張之和解前置主義，本文藉由各種面向一一分析和解前置主義提出之可行性。首先由各法律上和解之意義提出和解制度在解決紛爭上的重要性，再由採取和解前置主義的英國及相類似的德國提出其和解制度之程序，並藉此提出我國和解前置的可行性。接著以重建型程序優於清算型程序之精神提高本文之可行性，最後以相似的債務清理法草案之和解程序及消費者債務清理條例之前置協商程序以及更生程序做比較，以利弊分析做為本文主張之論證，推導出本文和解前置主義之可行性。 本文於未來二法並行後所欲建構之個人債務清理制度之藍圖係和解程序前置，並於和解程序後債務人得以破產程序、更生程序及清算程序之三軌制自由選擇，而前置協商程序作為當債務人僅針對金融機構負有債務時之特別前置程序。並於最後提出未來修法建議藍圖，希冀可讓債務人都有重建其經濟生活之機會！There are numerous credit card and cash card crisis cause the serious individual debt problems and the individual insolvency is the most important issue that we have to solve. Actually, we not only have the Consumer Debt Clearance Regulation as the solution, we also have the Bankruptcy Law as another remedy project. But the Bankruptcy Law is not practical because of it is ill-timed. As the result, we have the Amendment to the Bankruptcy Law, and the latest version is made in 2009. In the future, the consumer must face how to choice the procedure of the individual insolvency, so in this thesis, we try to structure the individual insolvency procedure. First, this thesis analysis the regime of the Consumer Debt Clearance Regulation and the Amendment to the Bankruptcy Law. We use some points of view to support this thesis and raise the possibility of structure the composition system to be the formal preceding procedure. At first, we bring up the meaning of the composition and it is designed to settle the dispute at every status. Then, we give the example such as the England and Germany that is used to the composition system to be the formal preceding procedure. Finally, we compare the regime between the liquidation and the rehabilitation and the procedure between the composition、the reorganization and the negotiation to infer the composition system to be the formal preceding procedure is possibility This thesis wants to structure the composition system to be the formal preceding procedure as the individual insolvency procedure after the Amendment to the Bankruptcy Law pass.
