What type of legal process determines that an individual cannot manage personal or financial affairs?

The legal process that determines an individual cannot manage personal or financial affairs is guardianship. In a guardianship proceeding, a court examines the mental and physical capacities of an individual to ascertain whether they are unable to handle their own affairs. If the court finds that the individual is incapacitated, it appoints a guardian to manage their personal and/or financial matters. This process is crucial for protecting individuals who may be vulnerable due to age, disability, or other circumstances that impair their decision-making abilities.

The other processes mentioned pertain to different legal matters: divorce deals with the dissolution of a marriage, probate involves the administration of a deceased person’s estate, and bankruptcy refers to the legal proceedings through which individuals or entities declare themselves unable to pay their debts. Each of these processes serves different purposes and does not specifically address the determination of an individual's capacity to manage their affairs as guardianship does.