Kukho isigxina ekuchaseni ukufakela i-bankruptcy kunye nesizathu esihle. Inonakalisa i-credit yakho kwaye ikhubaza amandla akho okuboleka. Nangona i-bankruptcy iya kulahla ingxelo yakho yekredithi emva kweminyaka engama-7-10, ezininzi izicelo zibolekileyo ukuba zize zifake. Ukuba uthe "cha" xa inyaniso "yebo," unetyala lobuqhetseba kwaye unokutshutshiswa.
Kukulungele ukuhlawula amatyala akho kunokuba ufake iifayili. Ukufakela i-bankruptcy ingaba nefuthe ebomini bakho bemoya okanye ebomini bakho. Abantu abaye bafaka ingxelo yokuzisola kunye nokuhluleka kweminyaka emva kokufakela ingxelo. Njengoko ucinga malunga nokufakela ukufowunelwa, nantsi ezinye izinto oza kuziqwalasela.
01 Ngaba Uzama Ukuthetha Nabathengi Bakho?
© Umthombo wesithombe / Umbono weDigital / Getty Ababolekisi bafuna ukuhlawula amatyala kuwe kunokuba bekhutshwe kwi-bankruptcy. Kungaba lula ukuxoxisana nokuhlawula ukuba sele sele uhamba neenyanga ezimbalwa emva kwentlawulo. Ukuba ukhona, ababolekisi aboni naliphi na isizathu sokunciphisa ityala lakho. Oku akuthi kuthi kufanele uwele emva kweentlawulo zakho ukwenzela ukuba ufumane indawo yokuhlala, kodwa ukuba sele usemva, kukunika i-bargaining chip.
02 Ngaba Ufuna Ukucebisa Ngeengcebiso?
IfotoAlto / Laurence Mouton / Getty Izithombe Ngokuqhelekileyo xa ungaphumelelanga ekuxoxiswaneni nababolekisi bakho, umcebisi wezikweletu umthengi angafumana iziphumo. Abacebisi ngezezikweletu abanokufumana amaxabiso omncinci kunye neentlawulo zenyanga. Akunamagunya akhethekileyo; Bayazi nje into efanelekileyo yokuthetha. Ngaphantsi komthetho weSahluko 7 sokuchithwa komthetho , uza kufuneka ufumane iingcebiso ngekhredithi ezintandathu kwiinyanga ngaphambi kokuba ungafakela ifayile yokuchithwa, ukwenzela ukuba unokuyifumanisa kwakhona njengenye indlela yokuchitha imali. Oku kunako, kodwa ngamanye amaxesha ayigcini iifowuni ezizayo.
03 Ngaba Iimvuzo Zakho Ziyakulungiswa?
Ukuba ngababolekisi bakho nababolekisi sele sele befumene izigwebo ngokumelene nawe kwaye baye bahlaziya umvuzo wakho, ukufakela i-bankruptcy kunokumisa ukulungiswa kwemvuzo kwaye unokukwazi ukukunceda ukuba ufumane enye yemali ehlosiweyo, ngokutsho kwe-American Banking Institute. 04 Ngaba Unayo iBhiliya yezonyango ezingayifakwanga yi-inshurensi?
Kukho isizathu sokuba iindleko zonyango ziyinye yezizathu ezibangela ukutshatyalaliswa. Kungenxa yokuba abantu abanakukwazi ukuhlawulela loo mabhili, nangona banayo inshorensi yezempilo. I-Bankruptcy inokunika uncedo lweebhilikhi zakho zonyango ngokuzikhupha ngokupheleleyo, okanye ngokuza neprogram yokubuyisela iminyaka emi-3 okanye emihlanu. 05 Ngaba Unayo Impahla?
Ukuba awunayo impahla okanye ukuba iimpahla zakho zixabise ngaphantsi kwetyala olinetyala, unokucinga ukuba ubeka imali ekutshintsheni. Ukongezelela, ukuba unayo impahla ekhuselekile ngemboleko, ungayifaka i-bankruptcy ukuze ungalokothi ulahlekelwe ezi zinto (umz. Indlu okanye imoto). 06 Ngaba Unako ukufikelela kwi-Savings?
Xa ufaka i-bankruptcy, uya kucelwa ukuba uluhlu lonke i-asethi yakho. Nangona ezinye iimpahla ezinjenge-alimony, ukuxhasa abantwana, iintlawulo ezithile zoluntu zikhuselwe, ukugcinwa ngokubanzi ngokungekho. Ukufakela ukutsalwa kwebhanki kungabonwa ukuba awunayo nayiphi imali yokugcina imali yakho. 07 Ngaba Uye Wahlushwa?
Ukuba ufumene i-summation summit, kufuneka uqhagamshelane negqwetha. Musa ukuwahoywa iifomeshoni okanye omnye ummangali (umntu ocela wena) unokufumana isigwebo esingagqibekanga kuwe kwaye anganikwa imvume yokulungisa umvuzo wakho okanye ukubamba enye yezinto zakho. Ukufakela i-bankruptcy kunokuthintela naziphi na izigwebo ezingafunyanwa kuwe. 08 Qhagamshelana noMmeli
Yonke imeko ihlukile. Ingcaciso enikezelwe apha iinjongo zolwazi kuphela kwaye ayikho isiluleko somthetho. Ukuba ucinga ngokugqithiseleyo ukutshatyalaliswa kwebhanki, qhagamshelana nommeli womthetho wabathengi ukuthetha ngeendlela ozikhethileyo. Igosa liyakwazi ukuphonononga ubungqina beemeko zakho kwaye kukuncede ukuba unqume ukuba ukufakela i-bankruptcy yinto efanelekileyo kuwe.