Ukubeka iSikhwama sakho seTyala lesikweletu
Ukuhlawulwa kwetyala lokukhawulwa kwamatyala kwindlela yokujongana namatyala akho ekharityhulam ngamatyala ngokuhlawula ngaphantsi kuneyona nto uyenzayo. Nangona iinqanaba zokuhlawula amatyala ziphantsi kweluhlu lwezicwangciso zetyala ezinqwenelekayo , yinto enokuyicinga ukuba ungekho kwiindlela ozikhethileyo kunye nakwinkqantosi yokufaka i-bankruptcy.
Imisebenzi yokuHlaliswa kweeTyala zeKhadi leMatyala
Kukho iindlela ezimbini zokulungisa i- credit card yakho ngetyala: ngokusebenzisa inkampani yokuhlawula amatyala okanye ngokwakho.
Ngoxa abantu becinga ukuhlawulelwa kwetyala banokuthanda umba wokuba nenkampani yenza wonke umsebenzi kuwe, iinkampani zokuhlawula amatyala kufuneka ziphephe ngokubanzi. Baqokelela iintlawulo zenu ngeenyanga ngaphambi kokuba benze isibonelelo sokuhlawulela - ukuba benze isipho nonke. Le ngongoma yokuqokelela iintlawulo kukukwakha imali eyaneleyo yokwenza isibonelelo sokubonelela ukuba unakho ukuhlawula ngokukhawuleza. Ngelishwa, ngelixa iintlawulo zakho ziqokelela, uya kuqhubeka nokufumana iifowuni kunye namanqaku okuhlawula okungekho kumbiko wakho weentengo . Uza kufumana iziphumo ezingcono kwaye zikhawuleze ukulungisa izikweletu zakho.
Ubuninzi Kangakanani Ufanele Uhlawule Ngamatyala Akho?
Ngaphambi kokuba uhlawule ityala lakho lekhadi lesikweletu , kufuneka unqume ukuba unokuhlawula phi. Unako ukukwazi ukulungisa iimali zakho kwi-10% ukuya kwi-60% yemali ehlawulwayo, kuxhomekeke kumboleki kunye nobudala besikweletu. Ngokuqhelekileyo, ukugqithisa iakhawunti yakho kunye nokudala uhlaselo, ixabiso elincinci inani labathengi bazimisele ukuwamkela ukuthoba ityala, kodwa oku akusoloko kunjalo.
I-Lump-Sum kunye neeNtlawulo ezininzi
Uhlawula ngenye yezindlela ezimbini-iintlawulo ezininzi ngexesha okanye enye yentlawulo-ntlawulo. Ababolekisi bakhetha isamba semali okanye iintlawulo ezimbalwa (njenge-2-3) kwaye abanako ukuvuma ukuhlawula okumele kuhlawulwe kwiinyanga eziliqela. Mbonise ukuba malini unako ukuhlawula ngokukhawuleza kwaye unikeze loo mali kuqala.
Ukuqala uxoxiswano lwakho, unikeze imali ephantsi kuneyona nto uzimisele ukuyihlawula. Ngaloo ndlela, unesigqeba esilungileyo xa umboleki wakho ufuna ukuxoxisana.
Ukuxoxisana nokuhlala
Emva kokuba unesibonelelo sokunikezela ngengqondo, biza inkampani yakho yekhadi lesikweletu kwaye uxoxe nomphathi, umntu olahlekelwa yintlawulo, okanye isebe elifanayo. Abameli beenkonzo zabathengi oqala ukuthetha nabo bavumi ukugunyazwa ukuba bathathe izibonelelo zokuhlawula amatyala, baya kuthi bakuxelele, nangona bengenalo igunya lokuwamukela isipho sakho. Namaxesha onke zama ukuthetha nomntu onamandla amaninzi kwinkampani.
Ngexesha lofowuni, qiniseka ukuba ubhala phantsi igama, inombolo yefowuni, nokwandiswa komntu othetha naye. Gcina kwakhona umhla kunye nexesha lofowuni kunye nesiphumo. Musa ukuyeka enye ifowuni. Unokufumana iimpendulo ezahlukileyo kwaye zihlala ziphikisana nabantu abahlukeneyo kumntu ongenayo imali kwaye ngamanye amaxesha unomntu ofanayo kwiintsuku ezahlukeneyo.
I-Credit Card yeMatyala yase-Watchouts
Ukuba ikhadi lakho lekredithi livulekile, inkampani yakho yekhadi lesikweletu iya kuthi ivalwe ikhadi lakho lesikweletu emva kokulungisa ityala lakho. Ungakwazi kwakhona ukuba umlinganiselo wakho wesikweletu unciphise okanye ususe yonke into xa umbolekisi eqonda ukuba awuyi kucwangcisa ukuhlawula ibhalansi ngokupheleleyo.
Ukuhlawulwa kwetyala lekhadi lokuthenga ngetyala kukufuna ukuba ube neenyanga ezimbalwa emva kweentlawulo zekhadi lakho lesikweletu . Ngelo xesha ngexesha lakho, amanqaku okuthenga ngetyala aya kuthatha kakhulu. Isiphumo siya kuba sibi nakakhulu xa ufike emva kwekhadi lekhredithi enye.
Urhulumente wesigqeba ufuna ukuba uhlawule irhafu kwi-matyala ekhansekileyo , kuquka netyala eliye lakhanselwa kwi-credit card settlement settlement. Umgca ophantsi, unetyala leburhulumenteni imali eninzi ithetha ukuba uya kufumana umtshini wokubuyisela imali encinci okanye ufumane imali engaphezulu kwi-IRS.
Ukugqiba umnikelo wakho wokuhlala
Isivumelwano sokugqibela sokugqibela kufuneka sibhalwe phantsi. Yenza isiqulunqo isivumelwano sakho okanye inkampani yakho yekhadi lekhredithi ikuthumelele isivumelwano. Qinisekisa ukuba wena kunye nomntu evela kwikhodi lakho lekhadi lesikweletu sele usayine isivumelwano ngaphambi kokuba uthumele intlawulo.