Abstract 1. When facing serious problems of debt, many military personnel aren't sure about how to cope with the situation. Consequently, military discipline is affected. Improperly dealing with personal debt not only destroys one's career but tarnishes the military's reputation. Although the Defense Ministry provides emergency loan and other measures to protect debtors in military service, servicemen who are unable to pay off huge debt can't find a way out. To help solve problems of debt and to prevent military law and discipline from being breached by violators, all military units should actively counsel servicemen who have debt problems. Through an active debt-paying mechanism, debtors will have another chance to restart their lives. 2. The enforcement of Consumer Insolvency Act(CIA) in order to reopen a new life's door and help debtor to solve heavy debt. In a certain condition, the debtor can apply for reorganization or liquidate. Thus the debtor can take a legal process to solve debt problem but the creditor obtain fair reimbursement. If we carefully observed the legislative purpose, we will understand that the CIA is a milestone in our insolvency system.