I-Bankruptcy ibonakala ngathi iyaphumeleli, okanye iya kugwetywa ngokuziphatha. Kodwa qwalasela uMgaqo-siseko wase-United States, onika iCongress igunya lokumisela "imimiselo efanelweyo kwiinkcukacha zebhanki kwi-United States.
(Icandelo 1, iSigaba 8, Isiqendu 4). Kwaye ootata bethu abasisiseko baqaphela ukuba kufuneka umbane wokunceda abantu baphume phantsi kwetyala elingenakulibaleka kwaye baqalise ukuqala phambili kwaye babe ngamalungu oluntu. Ngamafutshane, ukuchithwa kwemali kukuhle kwezoqoqosho.
Yiyiphi i-Bankruptcy?
Ukutshatyalaliswa kwezonyango akukho ncazelo eqinileyo. Uninzi lwabantu bacinga ngokuchithwa kwezokwelapha njengokuba umntu ogqityiweyo (okanye ukukhupha ) esibhedlele kunye neendleko zonyango, apho abantu abaninzi beba ngamawaka kunye namawaka eedola. Kodwa ingangena ngokujulile kunoko. Nangona iifayili zonyango zetyala, ziyakwazi ukuphazamiseka kwezokwelapha ngenxa yokulahlekelwa yintlawulo xa kufuneka aphume emsebenzini emva kwengozi okanye ukugula.
Into ebalulekileyo kwisigqibo sokufakela i-bankruptcy kubantu abaninzi banetyala elikhulu. Ngokuqinisekileyo, abanye abantu bashiywe ngetyala lezonyango ngenxa yokuba abanayo i-inshorensi yempilo.
Kodwa akusiyo nje into engaqinisekanga abafumana ukuba bangene kwikhoneni lemali. Ii-premium zonyango zonyango ziphezulu. Imigaqo-nkqubo etholakalayo kwi-Market Affordable Care Act iyathengeka kuphela ngenxa yokuba iinkampani ze-inshorensi ziye zachithwa iiproductible zepolisi . Akuqhelekanga ukuba i-deductible ibe yi-$ 10,000 umntu okanye i-$ 20,000 intsapho, okanye ngaphezulu.
Le yimalini enokufuneka uyihlawule epokothini ngaphambi kokuba inkampani yomshuwalense ifihla nayiphi na enye iindleko zonyango.
Ukususela kumaphepha e - bankruptcy , kunzima ukuqonda ukuba nawuphi na umzekelo wonyango owenziwe ngonyango. Akukho ndawo kumaphepha e-bankruptcy umntu onetyala (umntu ofake ityala le-bankruptcy) kufuneka uchaze isizathu sokufakela i-bankruptcy. Umboleki ufunwa ukuluhlu zonke iitalato, kubandakanywa neendleko zonyango. Ukujonga uluhlu lwababolekisi kunye nezilinganisi kwi-akhawunti ziya kusinika inkcazelo ukuba iitaliti zininzi kwaye zinkulu. Umphathiswa, kwintlanganiso yomboleki wabathengi, uya kucela umboleki ukuba kwenze ntoni kwisigqibo sokufakela i-bankruptcy.
IHarvard Study
Kwisifundo esithile esicatshulwe rhoqo nguSenator Elizabeth Warren ngoxa wayenguprofesa kwi-Harvard Law School, iibhiliji zonyango ziyimpembelelo kwiimeko ezingaphezu kwe-50 zecala lokubhankanya. Ezinye iziphumo ziye zavelisa iziphumo ezifanayo ngelixa izifundo ezininzi ziye zaphazamisa inani elikufutshane nama-25 ekhulwini. Uphando olupapashwe yiNerdwallet yezeMpilo ngo-2014 lufumene ukuba iindleko zonyango kulindeleke ukuba zibe yinto ebalulekileyo ebangela inqaku, kubaluleke ngaphezu kwekhadi lesikweletu okanye ityala lokuboleka imali. Ngayiphi indlela, inani lemali enetyala elikhutshwe kwiimeko zamatyala e-United States ngonyaka ngamnye kumakhulu amabhiliyoni.
Iingxowa-mali zonyango ziyafumaneka kwi-Bankruptcy
Ngethamsanqa, eloo matyala liyakhululwa kwiSahluko 7 sokuchithwa ngqo kunye neSicwangciso seSahluko 13 sokubuyisela. Unokwenza ufanele ukufumana isahluko sesi-7 phantsi kovavanyo lwendlela , oko kukubala usebenzisa iholo lakho kunye neendleko zokuchonga ukuba unakho ukukwazi ukwenza iintlawulo. Ukuba awugqithisi uvavanyo lweendlela, unokufaka ifowuni yeSahluko 13 kwaye uhlawule enye ityala lakho kwiminyaka emithathu ukuya kwemihlanu.
Ngaba Ndiyayifuna Ngempela Ukufakela iNgxowa-mali yokuLawulwa kweziTyala?
Ukuba awukweleta ngaphezu kwetyala lezonyango, kwaye awuzange ufumane ngasemva kwindlu yakho okanye inkokhelo yemoto, inkxaso yenkxaso yabantwana, okanye i-alimony, kungenakufuneka ukuba ufake ifowuni. Nazi ezinye zezizathu zokuba kutheni:
- Abathengi bezonyango badla ngokulula ukusebenza kunye nabanye abatyala imali kunye nezinye iintlobo zamatyala.
- Iingxelo zezokwelapha ziya kuhlala kunye neli gqirha okanye i-billing yesebe yesibhedlele ixesha elide ngaphambi kokuba ithunyelwe kumqokeleli.
- Amaxesha amaninzi ugqirha wakho okanye omnye umniki-mpahla uyavuma ukuba athathe imali encinci inyanga nganye, i-$ 5 okanye i-$ 10.
- Kwezinye iimeko, ngokukodwa ukuba isibhedlele sikawonkewonke okanye ugqirha kwi-Medicare ye-Medicaid isigulane, ababoneleli abanakukhathazeka ukwenza okungakumbi ngaphandle kokuthumela ibhilikhwe.
- Abathengi bezonyango abahlali bee-arhente zokubhengezwa ngetyala, ngoko ke ityala alinakuchaphazela amanqaku akho ekhredithi.
Unokukhuseleka ukuzama ukulungiselela amalungiselelo okuhlawula kunye nabathengi bakho bezonyango endaweni yokufakela ityala le-bankruptcy. Ngeke ulahlekelwe ngokuzama, kodwa ukuba awufumani naluphi ukwaneliseka ekusebenzisaneni nababolekisi bakho, okanye iSahluko 7 okanye iSahluko 13 siya kuba sinyamekele yona.