Ukuba unetyala elikhulu kwaye ucinga ukufakela i-bankruptcy, mhlawumbi ukhathazekile kwaye udibene nexhala. Akukuphela nje kufuneka uguqe iifowuni zokuqokelela, kodwa kufuneka ucinge ngethuba lokutsalwa kwebhanki, enokuba yinkqubo eyinkimbinkimbi kunye neyinkimbinkimbi, yiyiphi i-bankruptcy iya kuba, kunye nendlela oya kuhamba ngayo emva kokuba ityala le-bankrupt liphelile. Nangona kunjalo, ngokuqonda le miba elandelayo yesibhozo, uya kuba ulungele ukuthatha isinyathelo esilandelayo ebomini ngaphandle kwesikolo.
01 Bankruptcy ayikho "in out and out" inkqubo.
Ukuba ungenamava nendlela iinkqubo zebhanki ezisebenza ngayo, unokucinga ukuba i-bankruptcy isebenza ngokufana nenkundla yamatyala amancinci, okugqiba ngomnye. Isahluko 7 sokutshatyalaliswa, isahluko esiqhelanisiweyo kwisibalo sabantu ngabanye, ngokuqhelekileyo sihlala kwiinyanga ezine ukuya ezintandathu. Iinkqubo zesahluko sesibini nesesithathu esiphantsi kwesigqithiso, ezi-13 no-11, zihlala ixesha elide. Isicwangciso seSahluko 13 sokuchithwa siya kuhlala iminyaka emithathu ukuya kwemihlanu. Ngokufanayo, icala leSahluko 11 linokunyamezela iminyaka emibini okanye ngaphezulu. Kufuneka ulungele ukuzinyanzela ukuba ufuna ukufumana ukukhwabanisa "ukuqala okutsha". 02 Bankruptcy ivula iimali zakho ukuhlolisisa uluntu.
Ngaba unganeliseki ngokuxoxa nje ngomvuzo wakho kunye nabahlobo bakho kunye nosapho? Xa ufakwa phantsi, kufuneka ulungele ukutyhila ubomi bakho bezezimali, iimpazamo kunye nabo bonke, kuluntu. Ukuba ufakela ukukhuselwa kwe-bankruptcy, uya kufunwa ukuba ufake ifayile ebanzi ebizwa ngokuthi iishedyuli ze-bankruptcy . Iishedyuli ziza kubhala amatyala akho, i-asethi, ingeniso, iindleko kunye nokuthengwa kwemali kwangoku. Kuya kufuneka ukuba ube khona kwiintlanganiso zabathengi . Ngethuba le ntla nganiso, umphathiswa we-bankruptcy uza kukubuza imibuzo yokubuza imibuzo kwigumbi loluntu. Nabani na ababolekisi bakho banokubuza nawe kwiintlanganiso. Nangona i-trustees ye-bankruptcy ivame ukuzama ukugcina iinkqubo njengento ehloniphekileyo kunokwenzeka, intlanganiso yinkqubo kawonkewonke kwaye iza kubanjwa ngasese kuphela phantsi kweemeko ezimbi. Oku kunokuba yinkqubo enzima kwaye ihlazo kubantu abaninzi. Yilungele ukuhlamba impahla yakho engcolileyo yemali.
03 Ukunyaniseka nokuchazwa ngokupheleleyo kufuneka.
Ukunyaniseka kunye nokugqibezela ngokupheleleyo kukubaluleke kakhulu ekubanjweni kwebhanki. Yimeko yeenkundla ze-bankruptcy kuphela ukuba umboleki onyanisekileyo unelungelo lokukhutshwa kwetyala. Oku kuthetha ukuba kufuneka uluhlu lonke ipropati yakho, amatyala kunye nababolekisi. Ukuba ukungathobeli kwakho ukunyaniseka kufunyenwe, kungekhona nje kuphela ukuba ulahlekelwe ukukhutshwa kwe-bankruptcy, kodwa unokujamelana nophando nge-FBI. Ukungathembeki ekuhlaseleni i-bankruptcy is crime crime serious . Iifom zeBhancercy ziyinkimbinkimbi kwaye zifuna ingqwalasela enkulu.
Abantu abaninzi baqonda ukuphazamiseka njengendlela elula kwaye ecacileyo, njengoko isekelwe kwiifom. Ngelishwa, iifom ze-bankruptcy zifana nokubuyiswa kwentela yokudideka kune "fakela ibhokisi" ifom. Ezi fom ziqukethe izinto ezinzima, ezibonakala zikhohlisayo malunga nemicimbi yakho yezezimali. Kufuneka ukuba unike ixesha elaneleyo lokugaya ifom yefayili ngaphambi kokuba ufake i-bankruptcy. Iifom ezibaluleke kakhulu ziquka iishedyuli A ukuya kwiJ kunye neNkcazo yeMicimbi yezeMali . Ummeli ongenamava angumntu ongenamava angakunceda uqonde ulwazi oluyimfuneko ukuzalisa iifom kunye nokuphepha iingcingo ezinokukuhlawula ipropati, imali okanye inkululeko yakho. 05 Ukuchithwa kwe-bankruptcy siqu.
Ukukhutshwa yiyona njongo yokugqibela ye-bankruptcy. Igalela ababolekisi bakho ukususela ekuzameni ukuqokelela amatyala kuwe. Oku kuthetha ukuba ukukhutshwa kwe- bankruptcy siqu kwaye kukukhusela kuphela. Awuyikuphelisa ityala ngokwalo. Ngokomzekelo, ukuba ungomnye wabathathi-ntsebenziswano kwikwimboleko yasekhaya kwaye ufake ifom ye-bankruptcy, ityala alisuswanga. Umboleki-mali unokufuna ukuqokelela ityala kumnye umphathiswa-mboleko. Oku kubaluleke kakhulu ukuba unobhaliselwano kunye nabamalungu entsapho okanye abahlobo abangayi kufayile kwi-bankruptcy. Ukuze kufumaneke ufanelekile ukukhutshwa, uninzi unyanisekile ngemali yakho kwaye unikezele ngolwazi lokukhuphisana. Ngaphandle kokuba emva kokukhutshwa kwakho, inkundla inokufumanisa ukuba uyaphula inkundla okanye ababolekisi bakho, inkundla inokukukhupha ukukhutshwa .
06 Ukufakela ukuchithwa kwe-bankruptcy akubizi.
Nangona unokungcola ngemali, ukufakela imali kwi-bankruptcy kunokukuhlawula imali eninzi. Ixabiso lixhomekeke ekubeni ngaba awuqeshanga okanye ugqirha igqwetha . Ukugcinwa kommeli webhanki kunokuhlawula phi na kwiiyure eziliqela leeedola ukuya kwiiwaka eziliwaka zeedola. Nangona kunjalo, nangona ulungiselela kwaye ufake ifowuni yakho, iifayili zokufakela zodwa zikhulu. Abatyala abanokubakhombela banokufumana ukukhululeka kwiifayili zokufakela ngokufaka isicelo senkundla yebhanki ukuze bahlawule imali. Inkundla iya kusekela isinqumo sayo sokushiya imali yakho kwingeniso yakho, ngokuqhelekileyo akumele ibe ngaphezu kwe-150% kwinqanaba lehlwempu. 07 Ukubhankwa kwefayili kungayichaphazela i-credit yakho iminyaka.
Ngokuqhelekileyo kuthathe malunga neminyaka emibini ukuba umntu obolekileyo obolekileyo aqale ukufumana kwakhona kwiCandelo lesi-7. Abaninzi bemboleko baya kukuvala. Kodwa, oko akuthethi ukuba awukwazi ukufumana ityala. Enyanisweni, abanye ababolekisi bayagxuma ngethuba lokubolekisa imali kumntu owayetyala, kwaye ukukuhlawula i-premium ephezulu yeli lungelo. Kuya kufuneka kwakhona usebenze ekuphuculeni umlinganiselo wakho wekhredithi ngokuthatha imali encinci yekhredithi njengoko unako ukuyibuyisela ngokukhawuleza ngokwemiqathango yayo.