Nakhu okumele ukwenze xa ujongene nokuhlobisa.
Ukulungiswa akufanele kufike njengommangciko
Okokuqala, qonda ukuba ubuninzi bexesha, ukulungiswa akufanele kufike kumangaliswe kuwe. Umboleki wakho uza kuqesha zonke iindlela ezikhoyo, kuquka izaziso, iileta kunye neefowuni, ukukhuthaza impendulo evela kuwe kwaye kukukhuthaze ukuba uhlawule ityala lakho. Uninzi lweziqulatho zifuna ukuba umbolekisi athathe isigwebo senkundla kuqala. Oku kuya kufuna izaziso ezivela kumagqwetha aphethe isigwebo, amaphepha enecala asebenza kuwe kunye nezinye izaziso ezisenkundleni. Zininzi zezi zaziso ziza kuchaza into efana nale: "Isaziso soMnqweno wokuThengisa" okanye "Isaziso soMnqophiso wokuThabisa." Ngaphandle kokuba wenze ngenjongo yokufihla kubathengi bakho, akufanele ukwazi ukubuza ukungabi nolwazi xa uhlawula umvuzo wakho okanye i-akhawunti yakho yasebhanki iphakamisa.
Ukuba ufikelela kwindawo apho umbolekisi wakho ecele inkundla ukuba ilondoloze umvuzo wakho okanye i-akhawunti yakho yebhanki, kukho izinto ezininzi ongayenza ukuze umise inkqubo kwaye mhlawumbi uphendule.
Thetha noMgcini wakho weCreditor
Xa uyazi ukuba awuyi kuhlawula i-akhawunti yakho ngokwemiqathango yayo, qha ga mshelana nomthengi wakho ukuba ufumane ezinye iindlela zokukhokha. Abanye ababolekisi abayi kuthetha nawe de kube ngaphezulu kweentsuku ezingama-60 ngaphezulu, ngenxa yoko, kodwa abanye ababolekisi bafuna ukwazi ukuba kwenzekani ngaphambi kokuba ulahlekise.
Ezinye zezinye iindlela onokuxoxa ngazo nomthengi wakho ziquka:
- Ukuhlawula umdla kuphela ixesha elide
- Ukungenzi ntlawulo ngexesha elithile
- Ukwenza iintlawulo zexeshana ngexesha elithile
- Ukunciphisa izinga lomdla
- Ukunikela ukulungisa i-akhawunti ngento engaphantsi kwento efunekayo
Kukunceda ukwazi indlela yokuthetha nabaqokeleli ukuba i-akhawunti yakho yabelwe enye. Funda phezulu kule nto ekuThatheleni amatyala akho: Ukusebenzisana nabaqokeleli beeTyala apho uza kufunda ngakumbi malunga nokugcina iirekhodi zabathintana nabo, ukufumanisa ukuba ngubani owenza ukubizwa, izenzo zokuqokelela amatyala kunye nokunye.
Ukukhusela isigwebo
Ukuba umboleki-mali wakho ufaka icala malunga nawe, unakho ukukhusela okuza kuthintela umbolekisi ukuba athathe isigwebo, okanye mhlawumbi angakunika inzuzo yokubambisana. Khangela ngakumbi kwi- It Worth Worth to Defend a Credit Card Lawsuit?
Unokufunda ngokubanzi malunga nekhosi yomgwebo oqhelekileyo kwi-Ityala leTyala lomThetho weMatyala kaMatyala.
Ukuba kunokwenzeka, uya kufuna ukuxoxisana nokuhlawula umbolekisi phambi kokuba inkundla ingene isigwebo. Ukuba umbolekisi ufumana isigwebo kuwe, izigqibo zakho zincitshiswa. Usenokuba noxoxisana nokuhlawula imali yokuhlawula engaphantsi kwesixa omele.
Kodwa isigwebo siya kususa naluphi na ukhuseleko onokukuzisa ngexesha letyala letyala lakho. Ukongezelela, phantsi komthetho welizwe, inzala iya kuhlawulwa kwisigwebo kuze kuhlawulelwe ngokupheleleyo, ngaphandle kokuba uxoxisane nokuhlawula.
Umngeni wokuhlobisa
Xa umboleki-mali ethola isigwebo aze abuze inkundla ukuba ilayishe uhlobiso, umboleki uyafuneka ukuba akuxelele ngaphambi kokuba uhlobiso lwenzeke. Ngaloo ndlela, ukuba unayo ikhuseli ekuhloliseni ngokwalo, unokumangalela ityala lakho. Qaphela, nangona kunjalo, ukuba uhlobiso lujoliswe kwi-akhawunti yakho yasebhanki, ibhanki iya kufudla ikhuphe i-akhawunti ngethuba lokukhusela ukuba ungathathi naliphi na imali.
Ngaloo mhla wokugqibela, emva kokuba inkundla ingene emgwebeni, abaninzi abatyala imali baya kuvuma ukuba banamathele ekuhlolweni ukuba ungena kwi-intlawulo yokuhlawula.
Kulula kakhulu ukujongana nabaqokeleli ngaphambi kokuba ufikelele kwisigwebo. Emva kokuba umbolekisi ethatha isigqibo sokufakela isigwebo, uya kujongana namagqwetha. Ngokuqinisekileyo unako ukukhusela umgwebo okanye ukulungiswa ngokwakho, kodwa kungekhona ikhondo elifanelekileyo lokusebenza. Unokucinga ukuba uyasindisa imali ngokungabhawuli igqwetha ukuba likukhusele okanye ucelise umngcipheko, kodwa amagqwetha angasindisa imali eninzi kunokuba ixabise. Amagqwetha amaninzi abasebenzisana nabathengi anikezela ngeendleko okanye iindleko eziphantsi kweendleko. Indawo enhle yokujonga ummeli wabathengi nguMbutho kaZwelonke wabameli boThengi.
Faka ifayile yeBhanki
Ukufakela ityala le-bankruptcy liya kugcina ukulungiswa. Kwiimeko ezininzi zebhanki, umyalelo othiwa ukuhlala ngokuzenzekelayo uqala ukusebenza xa kufakwa i-bankruptcy. Lo myalelo unqanda umsebenzi omkhulu wokuqokelela kuquka iifowuni kunye neeleta. Kuyeke kwakhona amaninzi amacala kunye nokuhlobisa. Kungenzeka ukuba umbolekisi acele inkundla yebhanki ukuphakamisa ukuzenzekela ngokuzenzekelayo ukuvumela ukulungiswa kuqhubeke, kodwa inkundla iya kuvumela kuphela phantsi kweemeko ezithile ezikhethekileyo.
Omnye umbuzo. Oku kuxho mekeke kakhulu kuhlobo lwetyala kwaye mhlawumbi luhlobo lwe-bankruptcy oyifayileyo. Unokufunda okubanzi malunga nendlela ahlawulwa ngayo amatyala kwiSahluko 7 nakwiSahluko 13 se-Bankruptcy in the Disbing Debts: Uhlolo- nkcukacha kunye nokukhutshwa kweziTyala: Iingxowa ezingenakhululwa.
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