Kukho, nangona kunjalo, ezinye iindlela eziqinisekileyo zomlilo zokunciphisa uhambo lwakho ukuya kwixesha elizayo elizinzileyo, elincincileyo, elizeleyo.
Gwema ezi mpazamo ezixabisekileyo ukuba ufuna ukuba ityala lakho lihambe ngendlela efanelekileyo. Ngaphandle koko, unokulahlekelwa yinzuzo yokukhutshwa kwakho owawusebenza nzima ukufumana, okanye ngakumbi. Unokuhlawuliswa kunye / okanye uthunyelwe kwintolongo yaseburhulumenteni.
1. Ukuhlawula Iikhadi Zakho Zemali Nje Ngaphambi Kokufakela i-Bankruptcy
Oku akusebenzi. Xa ubhalelwa phantsi, ungeke ukwazi ukukhupha izinto ezichazwe njengezinto zokunethezeka okanye iinkonzo ukuba wenze iindleko ngethuba elifutshane ngaphambi kokufakela ityala lakho. Oku kusebenza kwimpumelelo yemali, nayo.
Funda ngokubanzi kwiiDranding zokuThuthukisa: Iingxowa ezinokukhutshwa .
2. Ukutyikitya iWebhu yakho yePhepha ngaphandle kokuyibuyekeza kwakhona
Kufuneka ufake ifayile eninzi kunye nenkundla echaza iinkcukacha zakho, amatyala, ingeniso kunye neendleko. Uyacelwa ukuba utyikitye le shedyuli kunye namanye amaxwebhu phantsi kohlwayo lwe-perjury . Oko kuthetha ukuba ukuba uxoka, ungalahlekelwa ukukhutshwa kwakho , ulahlekelwe yimpahla yakho yesikhathi esizayo kwaye ulahlekelwe yinkululeko yakho.
Ukunganakwa ukuhlaziya iishedyuli zakho phambi kokuba ungayibhalise kunokufana nokulala.
3. Ukunika i-Attorney wakho Ulwazi olubuxoki okanye uLwazi lokuLawula
Abanye abanetyala baqesha iqqwetha elikuxelela oko ufuna ukukuva. Sonke safuneka sixelele umthengi onokuthi uya kufuneka axelele ukuba unayo impahla kwi-American Airlines, kuphela ukuba afunde kamva ukuba waqesha omnye ugqwetha kwaye akazange akhangele loo mali kwiishedyuli zakhe.
Uphulo olunzulu lomthetho.
4. Ukungaphumeleli kwiNtlanganiso Yabo mboleko
Wonke umntu onetyala kufuneka ahambe kwizinto ezibizwa ngokuba ngumhlangano wabathengi . Ukuba awukwazi ukungena kumntu, qhagamshelana nommeli wakho. Uyakwazi ukuya ngefoni. Ndiye ndabathengi kubathengi, ndiswa kwelinye ilizwe, kwelinye ilizwe, ekuthunjweni komkhosi, kwaye nakwiintolongo baya kwiintlanganiso zabo ngefowuni.
5. Ukulahla iimfuno zeTrasti zeeNkcukacha ezongezelelweyo
Ndiyazi. Usuke unika ulwazi oluninzi, inyaniso, amanani, iphepha kunye namaxwebhu kummeli wakho. Kodwa umphathiswa wakho unokuhlala enemibuzo, okanye unokufumana ilungelo lokuthengisa izinto ezingekho phantsi. Ukuba ufumana indlela yakhe ukuze angakwazi ukwenza umsebenzi wakhe, uya kulahleka ukukhutshwa kwakho kwaye unokutshutshiswa.
6. Ukucima iiAfa
Olu lubugebengu obunokutshutshisa ngokubanzi. Ukuba uhluleka ukutyhila i-asethi, okanye uwashenxise phambi okanye ngexesha lokuchithwa ngenjongo yokukhusela ababolekisi bakho ukuba banelisekile, okanye benze kube nzima ukuba umphathiswa angene, ungaya ejele, uhlawuliswe, okanye zombini.
7. Ukufakela amanqaku amaninzi
Abanye abantu bazama ukuphazamisa inkqubo ngokufaka ifowuni ukuyeka isenzo esithile somboleko, njengento yokuqhawula, uze ususe loo nto.
Xa ukugquma kuvela kwakhona, kwafika enye ityala le-bankruptcy. Ukuba sele ufumane ubulumko kule nto, kwaye ukukhusela iimfuno zabathengi xa kukho iifowuni zecala yeefayili, umthetho we-bankruptcy ngoku ubeka umda wokuba ihlala njani isebenza ngokukhawuleza kwimeko nganye. Uyabona ixesha elide lokuhlala ngokuzenzekelayo?
8. Ukubetha iTrasti, iJaji okanye iNkundla yeeNkundla
Ndifuna ndiyonge?
9. Ukungahoyi iCreditor Attempts to Collect Debt after You File
Inzame yomthengi ukuqokelela amatyala emva kokufakela ityala lakho lokubhankqalaza libe yiphutha elingenasiphoso okanye ingaba kuhlaselwa kakuhle nangona ikhowudi ye - bankruptcy ihlala ngokuzenzekelayo , eyenzelwe ukukhusela ukugqithiswa kwabathengi. Igqwetha lakho lingakunceda ukuyeka ukuhlukunyezwa, kwaye usenokukwazi ukunceda ukuqokelela umonakalo kumntu okhokisayo.
10. Ukungathathi Ikhosi Yakho yoTyala
Wonke umntu onetyala kwiSahluko 7 okanye kwimeko yeSahluko 13 kufuneka ukuba athathe ikhosi yemali enetyala ngaphambi kokukhutshwa. Ukuba uyaphula ukuthatha ikhosi, inkundla iya kuvala ityala lakho ngaphandle kokukhutshwa. Emva koko uya kufuneka uhlawule intlawulo enkundleni kwaye mhlawumbi umrhumo owongezelelweyo kummeli wakho ukuba uphinde uqalise ityala ukuze ukwazi ukuthatha ikhosi uze ufumane ukukhutshwa kwakho.
11. Ukungahoyi iNgxelo yakho yeMboleko emva kokuphuma kwakho
Abanamatyala amaninzi bakholelwa ukuba iingxelo zabo zeentengo zemboleko ziyingozi emva kokutsalwa kwebhanki. Oko akunjalo njalo. Enyanisweni, kufuneka ubeke iliso kwiingxelo zakho ukuqinisekisa ukuba abakhweli bakho babika ngokufanelekileyo izikwereti zabo. Oku kuya kunceda ukuqinisekisa ukuba ingxelo yakho yekhredithi, kwaye ngoko ke umlinganiselo wakho wesikweletu, uchanekile. Khangela ngaphezulu kwiMali Yakho yeMali ebalulekileyo emva kokuqhawula imali?