/ˈsɜːtɪfɪkət əv mɪsˈfɔːtʃuːn/ – Phrase
Definition: Chứng chỉ về sự không may.
A more thorough explanation: an official document given by a court discharging someone from bankruptcy, and saying that the bankruptcy was brought about by causes beyond the debtor’s control without any wrongdoing on his or her part
Example: The court will normally only grant an unconditional absolute discharge where the bankrupt is entitled to a certificate of misfortune.