Kuyinyani ukuba abantu abaninzi baya kulinda de babe kutshintshe utshintsho phantsi kombhede okhuni phambi kokuba baqwalasele ukutshala imali * kwimeko yecala.
Ukulinda de ungabi namithombo yokuxhaswa kwefowuni yecala lokubhankqalaza lingabangela uxinzelelo olungakumbi kwaye wenze isigqibo sokwenza kube nzima nakakhulu.
Uyamangaliswa kukuba ndisebenzisa igama elithi "utyalo-mali"? Ukuba ungathanda ukwazi ngakumbi malunga nendlela ukuchithwa kwebhanki kungabakho utyalo-mali kwixesha lakho elizayo, funda iqaku lethu kwinqaku: I- Bankruptcy: Investment In Future Your .
Ukusebenzisa iKhadi leMali yokuTyala ukuhlawula iiRhafu zeBhanki-mali zingaba yiNkohlakalo yeBhanki
"Kodwa linda," unokucinga ukuba, "Ndineklasi elithile kwikhadi lekhredithi. Mhlawumbi ndingayisebenzisa le akhawunti ukuhlawula imali yam. Emva koko, ndiza kukhupha i-akhawunti kwi-bankruptcy. Ngale ndlela, inkundla kunye negqwetha liya kuhlawulwa, kodwa akuyi kuphuma ephakamileyo yam. "
Ngaba oku kuvakalelwa ngcamango ecacileyo kuwe? Ukuba kunjalo, ndikukhuthaza ukuba ucinge kwakhona. Oko uthethayo ngenza ubuqhetseba . Ewe. Ndithethile. Xa uhlawula kwikhadi lakho lekredithi kungekho njongo yokuyibuyisela, uyenze ubuqhetseba kumthengi wakho.
Unokutshutshiswa, uhlawuliswe, kwaye usebenze ixesha lokubanjwa.
Uninzi lwabagcini bebhanki abaza kuthatha ikhadi lekhredithi ukuhlawula iiflawulo ngaphandle kokuba lelo khadi ligama lomntu ongeyifaka icala le-bankruptcy. Ukuba umzali wakho, umhlobo okanye umzala wakho ukuhlawula iifizi zakho, ummeli wakho webhanki unokuvuyela ukuyiqhuba njengentlawulo kuloo akhawunti yomntu.
Xa ukunyuka kweeMali zeMali yokuBhankanya zikhohlisayo
"Kuthekani ukuba ndithatha imali engaphambili? Inkampani yekhadi lekhredithi iya kukwazi njani ukuba ndiyisebenzisa imali ukuze ndihlawule imali? "Umbuzo omhle. Umbolekisi akudingeki ukuba azi ukuba usebenzisa ntoni imali.
Kukho umyalelo kumthetho wokubhankqalaza ojongene nophuhliso lwemali okanye iintlawulo zokuthengwa kwezinto zokunethezeka phambi kokubanjelwa kwebhanki. IKhowudi yeBhanki kwi-11 USC ยง 523 ithi ukuthengwa kwezinto zokunethezeka eziyi-650 ezidlulileyo kwiintsuku ezingama-90 ngaphambi kokuba kufakwe i-bankruptcy kuthathwa njengenkohliso. Ngokufanayo, ukunyuka kwemali engaphezulu kweedola ezili-925 kwiintsuku ezingama-70 zokufakela ityala le-bankruptcy kukwacatshiswa ukuba libuqhetseba.
Ziziphi izinto ezithengwa ngokunethezeka? Ikhowudi yebhanki ayikho into esitshilo ngayo. Endaweni yoko, ikhowudi isitshela ukuba ayikho: "iimpahla okanye iinkonzo eziyimfuneko ngokufanelekileyo kwenkxaso okanye ukugcinwa komboleki okanye umntu oxhomekeke kumboleki" aziqwalaselwe "izinto zokunethezeka okanye iinkonzo."
Ngaphandle kwemali efunekayo yokuhlawula ummeli webhanki kunye neentlawulo zeenkundla, ukuthengwa kwezinto zokunethezeka kungabandakanya ifenitshala entsha, iindleko zeholide, ubuncwane, iikhomputha ezintsha okanye izixhobo ezingazange zitshintshe iindawo ezaphukileyo, imoto entsha okanye ezinye izinto ezingenakudinga ukuba uphile kakuhle.
Unokufumana imizekelo emininzi yento nento engekho ukuthengwa kwezinto zokunethezeka kwiiRhafu eziLawulayo: Iingxowa ezinokuthi zikhutshwe .
Yintoni eyenzekayo kwiintlawulo ezikhohlisayo kwiNkundla yokuThatyala?
Ngoko, oko kukuchaphazela njani ukuba ufaka icala le-bankruptcy? Kungenxa yokuba iindleko zicingelwa ukuba zibuqhetseba akuthethi ukuba uya kulahleka ukukhutshwa kwakho okanye ukuba loo matyala ayiyi kukhutshwa. Ukuze oko kwenzeke, umbolekisi uza kufuneka afake isigwebo enkundleni ye-bankruptcy - ebizwa ngokuba ngumtshutshisi-oqhubekayo-ecela inkundla ukuba ibhengeze iindleko "ezingakhange zikhutshwe." Nangona kunjalo, umgwebi akayi kuzingqina ukuba ezo zityholo zibuqhetseba. Kunoko, ufanele uqinisekise ukuba babengabikho ubuqhetseba ngenxa yokuba bekungengenxa yezinto zokunethezeka okanye iinkonzo.
Ukuba uhlawulise ityala elininzi ngaphambi kokufakela i-bankruptcy, itrasti okanye omnye wababolekisi bakho unokucela ukuba inkundla inqabe ukukhutshwa kwakho ngokubanzi kwaye ikushiye ngenxa yamatyala akho ngenxa yokuziphatha kwakho kobuqhetseba ngaphambi kokuba ityala lifakwe.
Kuphi Ukufumana Imali Yokufaka Ifayile Ukuba awukwazi ukusebenzisa iKhadi leMatyala
Kukho iindlela ezingcono zokufumana imali ifayile yefowuni. Nazi ezinye iingcinga onokuziqwalasela:
Ukuqhaqhazela kwi-File Bankruptcy?
Ukuqhaqhazela kwi-File Bankruptcy? Icandelo 2
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