Penerapan "Individual Debt Adjustment" bagi Debitor Kepailitan Individu (Studi Putusan IN RE Joshua Richard Ewing, 583 B.R. 252 (BANKR. D. MONT. 2018)) = Application of "The Individual Debt Adjustment" for Individual Bankrupt Debtors (Case Study IN RE Joshua Rirchard Ewing, 583 B.R. 252 (BANKR. D. MONT. 2018))