Xa ndicebisa abantu abacinga ngokufakela i- bankruptcy , ndivame ukuva ukuba bazizwa bebodwa, bengaxhamli, abazange bazi umntu oye wafaka, akanakho umntu othetha naye. Ngokuqinisekileyo kunokusongela xa ucinga ukuba nguwe yedwa owake wakhathazeka ngokwaneleyo uxinzelelo lwezemali ukuba acinge ukuba ufuna ukukhutshwa kwamatyala.
Enyanisweni, ukuchithwa kwemali kukuchaphazela zonke iindlela zokuphila kunye nemilinganiselo yonke engenayo.
Ichaphazela abantu abatshatileyo nabangatshatanga, kunye neminyaka akukho mqobo. Abadala kunye nalabo baqala ukuphuma kwifayile yokufa.
Izibalo zihlala zisinika umfanekiso wemida, kodwa ukusasazeka okwenene kukhulu. Masiqale ngamanani athile asemgangathweni ngamanani amacala afakwe, kulo nyaka unyaka we-2016.
| Iifayile ezipheleleyo | 794,960 |
|---|---|
| Isahluko 7 | 490,365 |
| Isahluko 11 | 7,292 |
| Isahluko 12 | 461 |
| Isahluko 13 | 296,655 |
| UkuCoca kweShishini | 24,114 |
| Isahluko 7 | 15,033 |
| Isahluko 11 | 6,174 |
| Isahluko 12 | 461 |
| Isahluko 13 | 2,259 |
| Iifayile zokungabikho kwamashishini | 770,946 |
| Isahluko 7 | 475,332 |
| Isahluko 11 | 1,118 |
| Isahluko 13 | 294,396 |
Makhe sijonge ezo manani njengeepesenti nganye kwinkalo yokuchithwa kwebhanki xa kuthelekiswa nenani elipheleleyo elifakwe ngo-2016:
| Isahluko 7 | 61.68% |
| Isahluko 11 | 0.92% |
| Isahluko 12 | 0.06% |
| Isahluko 13 | 37.32% |
* La manani athatyathwa ngqo kwiingxelo ezikhutshwe yi-Ofisi yoLawulo lweeNkundla zase-US .
Iingxelo zichazwe nganye kwizithili zemveli zombuso kuma-50 ase-Washington, DC, nakwiindawo. Oko kusenza siqhathanise nezinye iinkcukacha ezithakazelisayo, njengokuba bangaphi abantu abafake iifayile xa kuthelekiswa noluntu jikelele. Ngokomzekelo, ngowama-2013-2014, inani lokufakila abantu abayi-1 000 liye lafika kwi-108 kwisithili esisigweba esithile eTennessee, kodwa kwizithili ezikufutshane, iinani libonisa 4.3-6.8 ukufakwe kwi-1,000.
Thelekisa ukuba kunye ne-Northeast and Prairie, apho iifayile ezi-1,000 ziphantsi 0.6-2.2 kwi-1,000. Ibhulogi ye-Credit Slips iye yavelisa ityati efanelekileyo kwaye uludwe lubonisa amaxabiso okufakela kwisithili se-90.
Kunzima ukuphawula ukuba kutheni ukuhlukahluka okubanzi ekufakeni amaxabiso kwilizwe lonke, kwaye umbhali we-Credit Slips ubeka inkolelo okanye ezimbini, ezifana nenkcubeko yasemakhaya kunye nokuba khona okanye ukungabikho kwemithetho yokuqokelela amatyala efanelekileyo njengento yokuhlobisa.
Jonga ezinye iinkcukacha zokufakela kwi-website yeeNkundla zase-US.
Ziziphi izinto ezikhokelela kwi-Personal Bankruptcy Filings?
Ngenxa yokufaka ifowuni yebhanki ingaba yisigqibo esikhulu ngemiphumo engapheliyo-emihle kunye nebibi-abantu abacinga ukufaka i-bankruptcy kaninzi bafuna ukwazi ukuba izizathu zabo zokufakela zibonisa, ziqikelele okanye zizwakala.
Ucwaningo olwenziwa ngo-2005 lubhengeze ukuba iipesenti ezingama-46 zee-bankruptcy zihlobene netyala lezonyango. Esi sigqibo siye savezwa ezinye iinjongo. Oku akuthethi ukuba ityala lezonyango lizathu kuphela. Kukho iziganeko ezininzi kunye negalelo lamatyala. Cofa apha ukuze ubone ityati ethandekayo ibonisa izizathu ezichazwe zifayile.
Ukongeza kwetyala lezonyango, izinto ezikhokelela ekufakweni kweefomali zibandakanya ukungasebenzi kunye nemiba yasekhaya njengomtshato.
Qaphela ukuba ezininzi zezi zinto ziquka imeko apho ifayile ayikwazanga ukulawula. Ngokwale ngxelo, kuphela i-15% yeefayile ezixelayo ukuba zifake ngenxa yezenzo ezithathileyo kunye nezigqibo ezenzileyo ezikhokelela ekutyala inkokhelo enkulu yamatyala ekhredithi, imali ephezulu yokuhlawulwa kwemali, okanye iintlawulo zemoto ephezulu.
Amanqanaba angaphezulu
- Umnxeba oyingqinileyo utshatile, unemfundo ephakamileyo yesikolo, kwaye wenza imali engaphantsi kwama-30,000 ngonyaka.
- Ngomnyaka ka-2007, abo bangaphantsi kweminyaka engama-25 bakha ngaphantsi kwama-2 ekhulwini. Phantse iipesenti ezingama-20 zeefayile ziyiminyaka engama-55 okanye ngaphezulu. Iminyaka yobudala i malunga ne-45.
- Abasetyhini banako ukufaka iifayile ezingaphezu kwamadoda: iiphesenti ezingama-52.4 kunye nama-47.6%. Abasetyhini benza i-51% yabantu base-US.
- Abantu abaneminyaka engama-65 nangaphezulu bakhupha malunga ne-8% yamafayile. Abo bantu abaneminyaka engama-34 kunye nabancinci benza i-19% yamafayile.
Ngokutsho kweZiko loLwazi lwezeMali,
- I-73% yamafayile ayenomsebenzi okanye ayasebenza
- 27% yenza ngaphezulu kwama-30,000 ngonyaka
- 94% abaphumelele esikolweni esiphakeme
- Phantse kwi-58% ubuncinane kwiikholeji
- I-5% ine-degree ephakamileyo
- Ama-30% aneminyaka engama-34-44 ubudala
- 14% yenza $ 50,000 okanye ngaphezulu ngonyaka
Ukuphazamiseka kukuchaphazela onke amaqela eminyaka kunye nazo zonke iiklasi zentlalo. Enyanisweni, kulula ukuchaza ukuba akukho "umyinge" okanye umfaki-fayile oqeshwayo. Kodwa ukuba sasiyikwakha enye, mhlawumbi uya kuba ngumfazi ophakathi, otshatileyo, eCaucasian, kunye nekholejini ethile, owenza ngaphantsi kwama-30,000 ngonyaka. Nangona kunjalo, iifomati zibonisa ukuba ngaphandle kweemeko ezingaphezulu kwexesha, ingeniso, okanye izinga lemfundo lidlala indima enkulu kwiinqununu zokufayile okanye ukungayifaki ifayile.