Amatyala yindlela yokuphila kubaxhasi abaninzi. Kungaba nzima kangangokuthi i- bankruptcy ibonakala iyimpendulo kuphela. Ngenxa yokuba i-bankruptcy ingaba nefuthe elinjalo kumonakalo wakho wekhredithi , kungcono ukufuna ezinye iindlela ngaphambi kokuba ufake iSahluko 7 okanye iSahluko 13 se-bankruptcy. Ukuba enye yale ndlela yokufaka i-bankruptcy isindisa i-credit yakho, kungcono ukuyithatha, nangona kuya kuthatha ixesha elincinci okanye ubiza imali encinci ukukhupha ityala lakho.
01 Ukuthengisa Ezinye zeeMpahla zakho
Ungathengisa ifenitshala yakho, ubucwebe, kunye ne-electronics kwi-eBay, i-Craigslist, kwikhodi yakho yangaphambili. Ingaba yindlela enqabileyo yokukhusela i-bankruptcy? Mhlawumbi. Abantu abaninzi abakwazi ukugqithisa ukuphazamiseka kokuphila ngaphandle kwezinto zabo, kodwa unokulungelelanisa kwaye yinto yesikhashana. Kuya kukunceda uphephe i-bankruptcy kwaye ukhuphe i-credit yakho.
02 Khokhela Indlela Yakho Ngamatyala
Ngaba unokukwazi ukuhlawula amatyala akho ngexesha elithile? Uya kufuneka ukuba ufake iSahluko 13 sokungcebeleka ukuba ugcine i-asethi okanye ngenxa yokuba awuphumelelanga ukuhlolwa kweendlela kwiSahluko 7. Ukuba ukhangelelisisa ngakumbi uhlahlo lwabiwo-mali, unokukwazi ukucima abo bahle njengomboniso wekhebula okanye i-satellite, umthamo weefowuni kunye neefowuni. Le mizekelo yezinye iindleko unokuzinqanda ngaphandle kwentlungu.
Ukuba sele uhlala kwisabelomali, ungathini ukwandisa ingeniso yakho ngokusebenza ixesha elide okanye ixesha lexeshana? Ukuzilibazisa kunye nezakhono kunokukunceda ukuba ufumane imali eyongezelelweyo ukukhusela i-bankruptcy. Nazi iinjongo ezingama-90 zokufumana imali eyongezelelweyo ukuhlawula ityala lakho.
03 Cela ababolekisi ukukunceda Uphephe ukutyhafaza
Ababolekisi bakho bangathanda ukufumana imali kuwe ngaphandle kwemali nhlobo. Vumela ababolekisi bakho bazi ukuba unobunzima bezezimali kwaye ufuna ukuphepha ukucima imali. Bhengeza ukuzimisela kwakho ukuhlawula ityala kwaye ubuze ukuba banokukunceda ukunyusa umthwalo ngokunciphisa intlawulo yakho yenyanga okanye ukunciphisa inzala yakho (okanye zombini). Iinkampani ezininzi zamakhredithi kunye namabhanki aneenkqubo ezinzima ezijoliswe kulolu hlobo lwesimo.
Ngaphambi kokuba ungene kwinkqubo yobunzima qinisekisa ukuba inkokhelo yakho yenyanga kunye nenani lentengo liyehla. Ngaphandle koko, unokuthi unamathele kunye nentlawulo ephantsi.
04 Funa uMcebisi weNgxowa-mali yabathengi
Ukuba awunalo inhlanhla esebenzayo kunye nabakholekisi bakho ngokwakho, cela uncedo lwabaqeqeshi. Fumana umcebisi wezikweletu umthengi onamava abasebenzisana nababolekisi ukuba uhlawule umrhumo wakho kunye nentlawulo yenzalo.
Umthetho omtsha we-bankruptcy ufuna ukululekwa ngetyala ngaphambi kokufakela i-bankruptcy kwanoma kunjalo ke kuyafaneleka ukuba uqwalasele ngokucebisayo ukunika iingcebiso ngekhredithi njengesinye isingeniso. Iintlawulo zesikhokelo sokulawulwa kwetyala zingabonakala zingenakufikelela, kodwa ukuba ukhangeleka, unokufumana izimbobo kwibhajethi yakho evumela ukuba wenze iintlawulo.
05 Fumana Uncedo oluvela kwiintsapho kunye nabahlobo
Ngokuqhelekileyo, ukuboleka imali kwiintsapho kunye nabahlobo yinto engalunganga. Kuye kwaziwa ukudala ubunzima kunye nokuphelisa ubuhlobo. Kodwa kukho okungafaniyo kuwo wonke umgaqo, kwaye ukuchithwa ngumntu omnye. Thatha ixesha lokubala ukuba uninzi lwemali oyifunayo ukukhusela i-bankruptcy. Qaphela ngokucophelela ukuba unako ukuthatha inxaxheba, uze ubuze abahlobo kunye nosapho ukuba bancede ukuba wenze umehluko. Ngaphambi kokuba ubenze nabo kunye nezikhwama zakho, phakama ngesicwangciso sokuba uza kubuyiselwa njani emva kokuba imeko yakho yezemali iphendukele.
06 Ukubeka abaThengi kunye nabaThengi amatyala
Ukuhlawula amatyala ngenye yezinto ezifanele zikhutshwe phantsi kweemeko eziqhelekileyo. Nangona kunjalo, i-bink of bankruptcy ayiqhelekanga. Ukuba kufuneka ukhethe phakathi kokulungiswa kwamatyala ambalwa okanye ukufakela i-bankruptcy, lungisa iitalato, kodwa yenza okulungileyo.
Okokuqala, ungasebenzisi inkampani yokuhlawula amatyala. Ixesha elininzi kunye nemali eyongezelelweyo iya kule nkampani. Okwesibini, musa ukuhlawula nayiphi na ityala apho iintlawulo zakho zikhoyo. Kunoko, jolisa kwiimali eziye zahlawulwa okanye zithunyelwa kwiqoqo. Ekugqibeleni, lungele ukuhlawula imali yokuhlawula imali ngokukhawuleza ukuba kwenziwe isivumelwano.
07 Sebenzisa konke Kuloluhlu
Kunokuba ufunde olu luhlu kwaye uqikelele ukuba akukho nanye kwezi zinto eza kusebenza kuwe, qwalasela uluhlu olupheleleyo njengezixhobo zokusebenza ongayisebenzisa ukukhusela i-bankruptcy. Ngokomzekelo, unako ukukhusela i-bankruptcy xa uthengisa ezinye izinto, unciphise uhlahlo lwabiwo-mali, yenza isivumelwano nabathengi bakho, uboleke imali kwiintsapho kunye nabahlobo.