1. Ukufakela i-Bankruptcy kuthetha ukuba Ndiyiphumelelo. AYONYANI!
Oku mhlawumbi yinto eyingozi kakhulu kunazo zonke.
Ootata bethu abasisiseko baqaphela ukubaluleka kokufaka i-bankruptcy kwaye baquka kwiMgaqo-siseko wase-US (Ubugcisa 1, Icandelo 8, Isiqendu 4). Izifundo eziliqela kwiminyaka eyi-10 edlulileyo zibonise ukuba ezininzi zebhanki zibangelwa yimicimbi engaphandle kolawulo lwabantu abaninzi, kuquka ukuxhatshazwa kwetyala lezonyango, ukulahleka kwemisebenzi kunye nokuqhawula umtshato. Bambalwa kakhulu abantu bafake iifayile zebhanki ngenxa yokuba baxhamla imali yabo. Nangona kunjalo, akuthethi ukuba bayaphumelela ngenxa yokuba bafake i-bankruptcy. Ngokuphambene noko. Kubonisa ukuba bayayiqonda imfuneko yokulungisa imiba yabo, kwaye benza okuthile malunga nayo.
2. Ndiya kuLahla yonke iMpahla Yami Xa ndifaka iFayile ye-Bankruptcy. AYONYANI!
Akukho mntu uya kukhwela kwaye inqwelo yakho iseshoni esineminyaka engama-20 okanye iibhola zezingane zakho. Ukuba ungumntu okanye isibini (ngokuchasene nenkampani), uvunyelwe ukugcina izinto ezithile ukuya kwixabiso elithile. Ezi zibizwa ngokuthi ukukhululwa . Ngenxa yokuxolelwa, abantu baya kufuneka banikezele ipropati ngaphantsi kwama-5 ekhulwini lamatyala e-bankruptcy.
Ukukhululwa kuyahluka ngohlobo lwamazwe, kodwa phantse kuwo onke amazwe unako ukuxolela impahla yakho yasekhaya, ubuncinane imoto enye, izambatho, ukugcina umhlala-phantsi, kunye nokulingana kwindlu yakho.
3. Zonke iItyala zam ziya kuhamba (kwaye ndiza kufumana i-Car My neNdlu ikhululekile!) AYIQINISO!
Uninzi lweemali eziqhelekileyo zamanqaku ekhredithi, ityala lezonyango, kunye nemali-mboleko yakho iya kuhamba ( kukhutshwa ), kodwa kukho okunye.
Amanye amatyala ayiyi kukhutshwa. Imali-mboleko yabafundi inzima kakhulu ukukhupha. Iirejista zerhafu zangaphambili azikhangeli. Izibophelelo zenkxaso yasekhaya njengexesha elidlulileyo lokuxhasa abantwana kunye ne-alimony aziyi kukhutshwa. Amanye amatyala awanakho ukukhutshwa, kodwa unokuba phantsi kweemeko ezithile. Funda ngaphezulu kwiiMali ezingakhange zikhutshwe .
Ukuba ufuna ukugcina indlu yakho, imoto yakho, okanye enye impahla efungelwe njengesiqeshiso ngemboleko, kuya kufuneka uqhubeke uhlawula. Oku kuthiwa ukuqinisekiswa . Nangona xa i-bankruptcy isusa iimbopheleleko zakho zokubuyiselwa imali oyibolekayo, ayiyikuzalisa izibophelelo zakho phantsi kwesivumelwano sokhuseleko esinikeza amalungelo akho kumboleko kwipropati ukuba awuyi kuhlawula. Unokukhetha ukunikezela ngokubambisa umnini-mboleko ngaphandle kwesigwebo kwi-bankruptcy, kodwa ukuba ufuna ukuyigcina, umsebenzi wokuqinisekisa ukuqinisekiswa.
4. Andiyi kukwazi ukufumana iNgxowa-mali kwakhona. AYONYANI!
Uza kuqala ukubona iinkonzo zemboleko ngeposi emva kweeveki emva kokuba uphuma kwi-bankruptcy. Abanini-mboleko abaninzi banokubheka njengengozi engcono yekhredithi ngenxa yokuba uphelile ezininzi iimfanelo zakho kwaye awukwazi ukuyifakela i-bankruptcy kwakhona ixesha elide. Uya kuhlawula ngakumbi inzala ngaloo mihla yokuqala, kodwa kunokufanelekile kuba kuya kukunceda uvuselele i-credit entle ngokukhawuleza.
Uninzi lwabantu lufumanisa ukuba amanqaku abo okuthenga ngetyala anyuke kwibala "elungileyo" okanye "elihle kakhulu" emva kweminyaka emibili emva kokuba i-case yabo ikhutshwe.
Kwiimali zokuthenga, uza kufuneka ulinde ixesha elide. Abaninzi bemali mboleko kunye nabatshutshisi (njengoFHA, VA, Fannie Mae, Freddie Mac) bafuna ukuba ulinde ubuncinci kwiminyaka emibini emva kokukhutshwa ngaphambi kokufaka isicelo kwaye ukuba usebenze ukuseka kwakhona ityala elifanelekileyo ngexesha lokulinda.
5. Ndiya kuLahla uYobhi wam ukuba Ndifake i-Bankruptcy. AYIQINISO, Ininzi.
Ndiyakufanelekela oku kuba kungenzeka ukuba ulahlekelwa ngumsebenzi okanye unqatshelwe umsebenzi xa usebenzisa. Imithetho ye-bankruptcy iqulethe imibandela yokuchasana nokusetyenziswa kocalulo olusebenza kurhulumente nakubaninzi abaqeshi abazimeleyo, kodwa kwiinkoliso ezininzi, abasebenzi bangaxothwa ngaphandle kwesizathu nantoni. Oko kwathiwa, abaninzi abaqeshi, ingakumbi abo banomsebenzi omkhulu, bathatha i-bankruptcy kuphela ukuba bacinge imali.
Nangona kunjalo, u-bankruptcy unokusebenza ngenxa yakho kuba ibonisa ukuba usebenza ukulungisa iingxaki zakho. Esi sikhundla sokuba urhulumente wesigqeba uthatha xa ecinga imvume yokukhusela. Ukuba iimali zakho ziyingqungquthela, unganamathuba omncinci ukuba uvumeleke kunokuba ufake i-bankruptcy ukuze uyisombulule. Ukuze ufunde okungakumbi, khangela ukuba njani ukuphazamiseka kukuchaphazela umsebenzi wakho?
6. Ukuhlawula iItyala zam kuhlale kulunge ngakumbi. AYONYANI!
Oku akuyiyo nayiphi na isizathu sezizathu. Kungakuthatha iminyaka ukuhlawula loo matyala. Unokwazi ukuzinqumla kwiinyanga ezimbalwa kunye necala lokubhankqalaza kwaye uvuselele ikhredithi yakho kwiminyaka emibini unyamekele. Ngamanye amaxesha, awukwazi ukuhlawula amatyala ngenxa yokuba kukho ityala elininzi lokufumana umphathi.
Ngamanye amaxesha uqala ukujongwa okanye ukuhlaziywa kwaye ungenalo ixesha okanye uvimba olusisiseko ukukhusela.
7. Ukuchithwa kweNkcitho kubaluleke kakhulu. AYONYANI!
Ukutshatyalaliswa kukutyalomali. Ewe, inokuhlawula iiligidi ezimbalwa zeedola ukufaka ifowuni ye-bankruptcy xa uqesha ummeli. Kodwa unako ukuphelisa amawaka amaninzi ngamatyala. Ungathethi ukukhathazeka, uxinzelelo, ukukhungatheka, ukwesaba, nemali oya kuyibeka kwiminyaka ezayo xa ungenzi ngoku ngoku. Xoxa nommeli we-bankruptcy malunga neendlela ozikhethayo. Uninzi aluyi kuhlawula ukubonisana kokuqala. Bangakunceda ngeendlela zokuza kunye nemali.
8. Ndenza imali eninzi kakhulu ekufakeni i-Bankruptcy. AYONYANI!
Phantse nabani na onokufakela ityala le-bankruptcy. Ukufakela iSahluko 7 se-bankruptcy ngqo , ingeniso yakho kufuneka ifanelekele phantsi kwezinto ezibizwa ngokuba yi-'test test'. Uvavanyo lwendlela lusetyenziswe ukugweba ukuba unayo ingeniso eyaneleyo yokwenza ityala elinentsingiselo kwisikwere sakho, kunokuvunyelwa ukuba ukukhupha konke ngokucacileyo. Ukuba "uyaphula" ukuvavanywa kweendlela, unako ukuhlala ufaka ifowuni yesicwangciso sokubuyisela isahluko 13 . Uya kwenza iintlawulo zeminyaka emithathu ukuya kwemihlanu ukuhlawula ityala lakho, kodwa ngokusoloko uza kuhlawula ngaphantsi kunokuba uzama ukuhlawula loo ma-akhawunti kunye nokuvuselela i-credit yakho ngokukhawuleza kunokuba uyenayo.
9. Ukutshatyalaliswa kuya kuxazulula zonke iiNgxaki zam zezeMali. AYONYANI!
Ukutshatyalaliswa kunokuphelisa uxanduva lwakho lokuhlawula amatyala akho, kodwa ayikwazi ukuguqula imithwalo yakho yokuchitha imali, qiniseka ukuba unomsebenzi onokukuhlawulela ngokwaneleyo ukuxhasa impilo yakho, utshintshe intle yakho kwizinto ezigqithiseleyo ebomini, okanye ulungele umtshato wakho. Inokuqala kwindlela entsha yokucinga ngemali, ukuba uyayisebenzisa. Uyabona Uyakwazi Ukwenza Uncedo Lomlawuli Wezemali?