Dear Carron:
Ndiyimpendulo yokuthengisa yeenkampani ezithengisa izixhobo zonyango. Kwiminyaka emibini edlulileyo ndangabikho emsebenzini malunga neenyanga ezintandathu. Umfazi wam uncedise intsapho ngomsebenzi wakhe, kodwa izinto zazinzima. Sasebenzisa ininzi yematyala ukuze siqhubeke sihamba kwaye sikhwelise amanye amakhadi ethu. Siboleke imali engamaRandi ama-5 000 kuoyise.
Ekugqibeleni ndifumene umsebenzi, kwaye senze inkqubela phambili ekuhlawuleleni amatyala ethu, kodwa kubonakala ngathi sisekude kumngxuma ongeke sakwazi ukunyuka. Maddie kunye ndifuna ukufakela i-bankruptcy, faka konke oku emva kwethu kwaye uqale ukuqala. Ngaphambi kokuba senze, sinethemba lokuba unokuphendula iimbuzo ezithile.
Ndiyakhathazeka malunga noko kuya kwenzeka ntoni xa ndifumana kwakhona. Ndingathanda ukubamba amakhredithi ambalwa ngamatyala enje. Ngaba sinokukwenza oko? Ukuba ndigcina ezo zivumelwano zivulekile, akuyi kusinceda siphinde sakha i-credit yethu emva kokutsalwa kwebhanki?
Sizimisele ngokupheleleyo ukuhlawula uyise kaDaddie imali eyi-5 000 eyayidala. Andifuni ngokwenene ukuluhlula njengomboleki.
Ukuba andizange ndibekwe, ndikhathazekile ngekhadi lam kwikharityhulam. Igama lam ekhadini kwaye ndiqonda ukuba mna ndijongene nawe. Ndine-balance kulo ngoku ngenxa yokuba andizange ndibuyiselwe ukuhamba kwam uhambo lokugqibela. Yintoni eyenzekayo xa ndifake i-bankruptcy?
Enkosi,
Andrew
Makhe sibone ukuba ngaba sinokuhlangabezana neengxaki zikaAndrew:
Ngaba Ndiyakwazi Ukugcina Amakhadi Eetyala? Ngelinye igama, "hayi." Ukuchithwa akusikhethi kwaye ukhethe isiluleko. I-Bankruptcy isekelwe kumgaqo wobulungisa. Bonke abatyala imali kufuneka baphathwe ngokufanayo. Ngeke kulungele ukuba uzalise imali leyo eyi-5,000 ye-R7 kwi-Visa kaZwelonke yeSizwe kodwa ugcine umboleko obolekayo kwi-union union.
Ngamanye amaxesha abantu baya kundixelela ukuba abazange babhale umboleki-mali ngoba i-akhawunti yayinomlinganiselo wokulinganisela. Ndenze nabaxumi bandibuze ukuba bangabamba kwi-akhawunti ukwenza kube lula ukuseka kwakhona i-credit emva kokuba i-bankruptcy iphelile. Ngelishwa, ababolekisi ababukeli kule ndlela efanayo. Abaninzi bemboleko bababhalisa kwiinkonzo ezichaphazela ukufakwa kweefayili ehlabathini lonke imihla ngemihla. Baqhathanisa iifayile kwiinkcukacha zabo zabathengi. Nayiphi na iakhawunti esebenzayo, nangona i-balance balance, ehambelana necala lokubhankqalaza liya kulahlekelwa ngamalungelo akhe atyala ngokukhawuleza.
Kuyafaneleka kwakhona ukuphawula, nangona oku kungabonakala kucacile, nayiphi na i-akhawunti oyiphumelelwanga ukuluhlu kwiphepha lakho lokubhankqalaza ayiyi kukhutshwa . Ukuze afanelekele ukukhutshwa, umbolekisi kufuneka anikezelwe isaziso sokutsalwa kwebhanki. Ngoko, awukwazi ukuluhlu nje igama nje kwi-akhawunti ngaphandle kwedilesi, okanye unikezele ngolwazi olungalunganga oluya kwenza kube nzima kumboleki ukuba abone i-akhawunti.
Inkundla ezininzi zinokubamba ukuba awukwazi ukukhupha loo ma-akhawunti kwi-bankruptcy ezayo. Ngoko ke, ukuba uqhuba ulungelelaniso kula ma-akhawunti, uya kuba noxanduva lokuhlawula kude kube ngumyalelo wokubaleka.
Ndingayikhusela loo mboleko kuYise-mkhwenkwe? Yonke into endiyithethayo kwicandelo langaphambili? Kusebenza apha, kwakhona. Emehlweni omthetho, umboleko ovela kumkhwezala wakho awukhethi . Unempawu ezifanayo njengemali mboleko kwi-union kunye nekhadi leVisa. Ngoko loo mgaqo wobu lungisa esathetha ngawo uya kusebenza apha ngokunjalo. Enyanisweni, xa usenza ishishini kunye no-insider (umntu olwalamano olukhethekileyo naye), inkundla ibheka ezo ntengiselwano ngokucokisekileyo nangakumbi kuba abantu banomdla wokuphatha olo dlelwane.
Kodwa, utsho, andithandi ukuba umkhwekazi angazi malunga ne-bankruptcy kunye namanye amabhizinisi. Ndiloyiko ukuba iinqanawa ziye zahamba ngomkhumbi. Uzivule ukuba uvumelekile xa uvumelana nemboleko yemindeni. Ngaphantsi komthetho, umkhwe wakho unamalungelo amaninzi njengalowo nawuphi na umboleki, kuquka ilungelo lokufumana ulwazi malunga nemeko yakho yezemali.
Ukukunceda uzive ungcono malunga naloo nto, gcina ukhumbule ukuba unokumhlawula nangona xa umboleko ufakwa kwi-bankruptcy kwaye ikhutshwe.
Ukukhutshwa akukwenzeki ngokukodwa ukuba ityala linyamalale. Kukunceda nje nawuphi na uxanduva lokuhlawula. Ngokwenyani, ikunika ithuba lokulihlawula kamva xa ukhetha. Kodwa awukwazi ukunyanzeliswa ukuyihlawula ngumboleki.
Gwema Ukutshintshwa okukhethiweyo: Ndiza kufaka igama apha malunga nokutshintshwa okukhethiweyo . Kukho enye indlela onokubangela ubunzima ngayo ngemboleko yentsapho kwimeko yebhanki. Ngaphambi kokuba i-bankruptcy, ukuba uhlawula imali kuloo mboleko yentsapho xa unenkathazo yokwenza iintlawulo kwabanye abakweleta imali, awuphinde uphathe bonke ababolekisi bakho ngokufanelekileyo. Iintlawulo kwiimboleko zentsapho zibizwa ngokuba zikhethiweyo ezikhethiweyo. Umphathiswa we- bankruptcy , otyunjwe yinkundla ukulawula lakho ityala, unalo igunya lokucela umkhwe wakho ukuba abuyisele ezo ntlawulo. Le mali iya kungena echibini apho i-trustee iya kuhlawula izimangalo zemali-mboleko, ezibhekiselele ngokwepesenti yazo yonke.
Uyihlo wakho unokufumana inxalenye yale ntlawulo, kodwa mhlawumbi akunakwenzeka ukuba aphendule. Kulungile njani, ubuza? Ingathi ibonakala njengesiphumo esibuhlungu kubazala kamzala wakho, kodwa inika i-pool yakho yomboleki ithuba lokubelana ngobutyebi apho kungenjalo ukuvalelwa ngaphandle.
Ukuziphatha kweli bali: khawuleza imali mboleko yakho yentsapho ngendlela efanayo yokuphatha iVisa okanye i-credit union.
Kuthiwani Ngaloo Nkampani yeKhadi yeMali? Ngoko, inkampani ikukhuphele ikhadi lekhredithi oyisebenzisayo ukuhlawula iindleko zakho zokuhamba. Unenkxalabo malunga nokubandakanya kwakho kwi-bankruptcy yakho. Unelungelo lokukhathazeka, kodwa uza kuluhlula kuphela ikhadi xa unesibophezelo kumboleki kumlinganiselo.
Iikhadi zemali zekredithi zenkampani zivela kwiintlobo ezintathu, ngokusekelwe kumntu onoxanduva kwi-akhawunti (kungekhona ukuba ngubani ohlawula i-bill):
- Isitatimende senyanga sihamba ngqo kumqeshi, kwaye umqeshi unembopheleleko yokuhlawula i-bill.
- Isitatimende senyanga siya kumqeshwa, onoxanduva lokuhlawula i-akhawunti, kwaye ufuna ukubuyisela umvuzo kumqeshi.
- Udibaniso lwababini. Ingxelo ngokuqhelekileyo iya ngqo kumqeshi, kodwa umqeshwa uza kuhlawulela inkampani nayiphi na iindleko zakhe.
Ukutyhila okanye Ukungaxeleli? Xa ufaka i-bankruptcy, kufuneka uludwele loo khadi ukuba unayo nayiphi na imfanelo kuwe. Ukuba inkampani yakho ixhaswa ngumthwalo wonke, kwaye awukho uxanduva kwi-akhawunti, ngoko akufanele uludwele ikhadi.
Ukuba awuqinisekanga ukuba unoxanduva lokuhlawula, isebe lakho labasebenzi kufuneka likwazi ukucima loo nto. Kodwa oku kunokukunceda ukuba: ukuba umqeshi wakho akenzanga nto ngaphandle kokukunika ikhadi (kunye nenye negama lakho kuyo) kwaye akuxelele oko unokuthenga nayo, mhlawumbi ikhamphani ekhutshweyo engenakutyala mntu. Ukuba ufanele ugcwalise isicelo sekhadi, njengokuba wenzayo xa ufake izicelo zamanye amakhadi akho, ngoko ke unokwenzeka ukuba ufanelekile kwaye kufuneka uluhlule loo matyala kwi-bankruptcy yakho.
Yintoni eyenzekayo kwi-Akhawunti kwi-My Bankruptcy? Ngoko, kwenzekani ukuba uluhlu lwekhadi ekutshitshweni kwakho? Phantse yonke indawo, umnini-mboleko uzakuvala i-akhawunti ngokukhawuleza xa ithola umoya. Kodwa umboleki uya kulindela ukuhlawulwa kumboleki-umqeshi wakho - ukuba kukho ibhalansi kwi-akhawunti.
Ngaba Ndifanele Ndixelele Umqeshi Wam ukuba Ndiyifake I-Bankruptcy? Ukuba kufuneka uluhlu lwekhadi lesikredithi yenkampani, kufuneka uxoxe nomqashi wakho ngaphambi kokuba ufake i-bankruptcy. Le nto ayikho into ofuna i-accounting yakho okanye abantu bakwa-HR, okanye umphathi wakho, ukufumanisa xa befumana isaziso kumntu-mboleko ukuba i-akhawunti ivalwe okanye isaziso esivela kwinkundla ye-bankruptcy.
Ingcamango yokuba uhlale phantsi nomqeshi kwaye uvume ukuba uya kufaka i-bankruptcy ingaba yinto eyoyikisayo. Nangona unokuba ulindele ntoni, kumava am, abaninzi abaqeshi banomdla. Ukuba usebenzela inkampani enkulu, unokuqiniseka ukuba awuyena umsebenzi wokuqala oye wafakela ityala le-bankruptcy. Qiniseka kwakhona, ukuba akukho mthethweni ukucwasana nomntu nje ngokufakela ityala le-bankruptcy.
Ezinye iindlela Ukuba iKhadi leKhadi leNkampani liBhoxiswayo: Ukubeka loo nkampani kwikhadi lekhredithi kwikhampani yakho yebhanki akulungele wena okanye umqeshi wakho, kodwa akusiyo isiphelo sehlabathi. Kuya kufuna ukuba wena kunye nomqeshi wakho ufike nomsebenzi ojikelezayo. Umzekelo:
- Enye iKhadi leNkampani : Iibhanki ezininzi zelizwe, eziquka i-American Express, iBhanki yaseMelika, iNkampani enye, i-Chase ne-Citibank, inika iinkqubo zemboleko zentengiso. Umqeshi wakho mhlawumbi uye wasungula ubudlelwane kunye nenye okanye ngaphezulu kwaye unokufikelela kwinkqubo yekhadi lekhredithi. Inokwenzeka ukuba, umqeshi uya kufuneka avume kwi-akhawunti engafuni ukuba uthathe nayiphi na uxanduva.
- IKhadi lokuTyala kweNkampani : Umqeshi wakho unokukuseta ngekhadi lokukhwabanisa. Abaqeshi abayithandi le nkonzo. Zineenketho ezimbalwa zokulawula ukuchitha imali xa imali ihlawulwa ngokukodwa kwi-akhawunti ye-deposit.
- Ikhadi lakho lokuTyala lokuTyala : Umbi kakhulu umzekelo ngumqeshi ofuna ukuba usebenzise ikhadi lakho lokubambisa, kodwa ubuyisele kwakhona.
- Ikhadi lakho lesikweletu : Ndiyazi, ucinga ukuba, "Lindela! Ngaba akufuneki ukuba ndibeke zonke ii-akhawunti zam kwi-akhawunti ye-bankruptcy? "Kuyi nyaniso, kodwa akukho sizathu ukuba awukwazi ukuzama ukuvula enye i-akhawunti yekredithi emva kokuba ityala lakho lokungcebeleka liphelile. Enyanisweni, mhlawumbi uya kuqala ukufumana izibonelelo phambi kokuba i-toner yakho yokukhutshwa komyalelo omile. Uninzi lwazo luya kuba ngumrhumo ophezulu / amakhadi aphezulu, okanye amakhadi enkokhelo alondoloziweyo, kodwa yindlela yokubuyela kumdlalo kwaye ufumane le nxalenye yeplastiki ukuba ube nohambo lwakho olulandelayo. Zama ezi ngcamango zokumisela i-credit emva kokuphazamiseka.