Qaphela ukuba ukhetha ukuhlawulwa kwetyala ukujongana namatyala akho
Usenokuba ufunde ngokumalunga nokuhlawulwa kwetyala njengenye indlela eya ku-bankruptcy okanye isisombululo esilula sokuxazulula ityala lakho elikhulayo. Iintengiso zizithemba ngokuthe ngqo kwaye zidla ngokufunda into efana neyokuthi "Nciphise ityala lakho ukuya kuma-65 ekhulwini!" okanye "Phuma kwetyala ngeenyanga ezili-6!"
Iinkampani zokuhlawula amatyala zithembisa ukunciphisa ityala lakho ngokuxoxisana nababolekisi bakho, kodwa umphumo ongeyingozi onawo kumanqaku akho okwekhredithi ayichazwa ngokucacileyo ngokucacileyo.
Ukuba uqwalasela ukulungiswa kwetyala njengesisombululo kwiingxaki zetyala, fumana ibali elipheleleyo kuqala.
Indlela iNkqubo esebenza ngayo
Inkqubo iqala xa ubiza inkampani yokuhlawula amatyala kwaye ubaxelele malunga neemeko zakho. Unika amagama ababolekisi kunye nemali oyimali. Ikhampani yokuhlawula ityala ke ikunika uqikelelo lokunciphisa ityala lakho kunye neentlawulo ezintsha zenyanga. Njengoko ucebiswe yinkampani yokuhlala, uyeka ukuhlawula abathengi bakho kwaye uthumele iintlawulo kwi- settler settler .
Inkampani yokuhlawula ityala ibeka iintlawulo zakho zenyanga ngenyanga kwi-akhawunti yokulondoloza. Emva kokuba i-akhawunti ikhule ibe ngumlinganiselo othile, inkampani yokuhlawula amatyala ibiza ababolekisi bakho kwaye iqala ukuxoxisana nokuhlawula. Ukuhlawulela isixa esezantsi kunebhanki yakho epheleleyo.
Ukuba ngababolekisi bakho bavumelana nemali yokuhlawula, inkampani yokuhlawula ihlawula abathengi kwaye ihlawula umrhumo womsebenzi wokuxoxisana nokuhlawula.
Le nto ingaba yintlawulo ephathekayo okanye ipesenteji yetyala eliye lakhanselwa.
Yintoni ebi kakhulu malunga nokuhlala kwetyala?
Emhlabeni, ukuhlawulwa kwetyala kukhululeka. Uhlawula inkampani yokuhlawula amatyala , kwaye ke, ihlawula abathengi bakho. Ekugqibeleni, wonke umntu uyahlawulwa kwaye unako ukuhamba kunye nobomi bakho. Nangona kunjalo, khumbula inxalenye apho uyeke ukuhlawulwa kwababolekisi bakho ngelixa uhlalutyo lwenkqubo?
Yilo nxalenye eya kubuya ikuhlasele.
Ababolekisi abaqhelekanga ukuhlawula amatyala ngaphandle kokuba bebodwa kwiinyanga ezidlulileyo ngenxa. Oko kuthetha ukuba kufuneka uyeke ukuhlawula iakhawunti yakho kwaye uvumele ukuba bahambe ngaphambili.
Okwangoku, iindleko zakho ezikhawulezileyo zichazwe kwii- credit bureaus , i-credit score drops, kwaye unokuqala ukufumana iifowuni zokuqokelela . Kungakhathaliseki ukuba kuthathwa njani inkokhelo yokuhlawula amatyala, ezo ntlawulo zikhawuleza zihlala kwimbali yakho yemali ukuya kwiminyaka esixhenxe. Kuze uqale uqokelele umsebenzi owenziweyo wekhredithi, uya kuba nobunzima bokufumana amakhadi amatyala kunye neemboleko. Unokufumana nokuba amanqaku akho ekhredithi aphazamise ukufumana umsebenzi okanye inqanaba le-inshurensi elungileyo.
Ukuba inkampani yokuhlawula ityala inokuphumelela ngokumalunga nababolekisi bakho, ulwazi olungaphambukiyo luyasuswa kwingxelo yakho yekhredithi. Endaweni yoko, i-akhawunti yakho ihlaziywa kwinto ebonisa ukuba uhleli, njenge-"Off-Off Off Settled" okanye "I-Payed-Settled". Indawo ehleliweyo ayifanelekanga kumgangatho wakho wekredithi njengengxelo ethi "Ukuhlawulwa ngokupheleleyo".
Ukuwa
Emva kokuhlawulwa kwetyala, kungathatha iinyanga ezimbalwa okanye kwiminyaka embalwa ukuvuselela ikhredithi yakho kwaye ufumane imvume yokuthenga isikweletu . Unokuhlawulwa kwakhona irhafu kwiimali ezihlawulweyo . INkonzo yeNgeniso yangaphakathi (IRS) ithatha amatyala okuxolelwa njengeniso kwaye ikulindele ukuba uhlawule irhafu yengeniso kwisixa esithethelelwe.
Ababolekisi bafanele ukuba bakuthumele ifom ye-1099-C yokunika ingxelo ngokuhlawulwa kwamatyala, kodwa i-IRS ilindele ukuba ufake ityala kwinzuzo yakho yerhafu nokuba awufumani ifom.
I ziNgcono
Ukuba ukhona kwi-akhawunti yakho, okanye mhlawumbi emva kweenyanga okanye ezimbini emva koko, kwaye ufuna ukugcina amanqaku amatyala athile , ke ukuhlawulelwa kwetyala akunjalo kuwe.
Cinga ngocetywa ngabathengi bemali , oku kukunceda ungene kwisicwangciso solawulo lwetyala kunye nabathengi bakho. Kukhona ithuba lokunciphisa iintlawulo zakho zenyanga, kwaye uya kukwazi ukuhlawula ibhalansi yakho ngokugcwele, eboniswa kwingxelo yakho yekhredithi. Ngethuba nje xa wenza iintlawulo zakho kwixesha nganye ngenyanga, ukuxeliswa kwabathengi ngekhredithi akulimazi i-credit yakho.
Unokuphinda usebenze isicwangciso sakho sokuhlawula nabathengi bakho. Ukuba ulahlekelwe yintlawulo enye okanye ezimbini , cela ababolekisi bakho ukuba baneenkqubo zobunzima kubathengi abanenkinga yemali.
Icebo: sebenzisa igama elithi "ubunzima" kwingxoxo yakho. Unokufumana uncedo rhoqo ngendlela yokunciphisa okwethutyana, kwiinyanga ezintandathu ukuya kunyaka owodwa, kwintlawulo yakho yenyanga kunye neentengo zemboleko okanye ikhadi lesitratshi .