Inkcazo yokufakela i-bankruptcy ingafika ngendlela yokujonga kakubi ngayo abahlobo kunye nosapho okanye ingaba nekhonkrithi ngakumbi ngendlela yokungakwazi okanye ubunzima bokufumana iitaliti .
Nangona i-stigma ye-bankruptcy ihluka kakhulu kwaye inokuba yinyaniso kuye, akufanele uchithe umcimbi kunye neempembelelo ezinokuthi uphawule ngaphandle kokucingisisa. Ukuba ucinga ngexabiso langempela kunye nohlalutyo lwenzuzo ngaphambi kokufakela i-bankruptcy, unokufumanisa ukuba yiyiphi ikhulu lamawaka abantu abenza njalo ngonyaka
I-Stigma yeNtliziyo kunye neNtlalo
Eli cala le-stigma alithinteli imali yakho nayiphi na indlela. Ihambelana ngqo nendlela abantu abajonga ngayo. Ngoko ke, ukuba ungumntu onomdla kakhulu oko abantu bacinga ngako ngawe, inkohlakalo yezenhlalakahle inokubaluleka kakhulu. Nangona kunjalo, ufanele uqaphele ukuba nangona bonke ababolekisi bakho baya kufunda ngokufakela i-bankruptcy filing , akunakwenzeka ukuba abanye abantu baya kwenza. Kungenxa yokuba nangona ityala lebhanki liyimpikiswano yoluntu, abaninzi abantu abaphumayo bekhangele ukujonga baye bafaka i-bankruptcy.
Nangona abantu bengazi malunga nokutshatyalaliswa kwakho, unokumangaliswa ukuba bangaqonda njani, ingakumbi kwezoqoqosho olubi. Unokufumanisa ukuba abanye abahlobo bakho okanye amalungu omndeni afake, kwakhona. Ngoqikelelo oluthile, umntu oyedwa kwabadala abalishumi e-United States uya kufaka i-bankruptcy ngexesha elithile.
Cinga ngelo xesha elizayo xa uhleli kwiintlanganiso ze-PTA okanye kwiklasi yeCawa yesikolo.
Enye inkalo yesicalulo sezenzo yecala lomzwelo. Abanye abantu bazive bebi xa bengayikhokheli iindleko zabo. Ngoko xa ufaka i-bankruptcy kwaye uyeke ukuhlawula iindleko zakho ezininzi, unokuziva unetyala. Lo mpendulo ubonisa ukuba ungumntu ophethe uxanduva kwaye mhlawumbi ucinga malunga ne-bankruptcy ngenxa yokuba wawungenayo enye indlela kwaye mhlawumbi ngenxa yokungabi nasiphoso sakho. Le ngongoma yenkcazo yinkcazo yangaphakathi neyomntu omele usebenze ngayo.
Ukufumana okungakumbi kwimimiselo yeemvakalelo, khangela
Ukusinda nokuphumelela emva kokuqhawula: Ukujongana Neemvakalelo, Ingxenye 1
Ukusinda nokuphucula emva kokuchitha imali: Ukujongana Neemvakalelo, Ingxenye 2
Stigma yezeMali
Inkcazo yezemali echaphazelekayo kunye ne-bankruptcy yinto enokukuchaphazela. Umzekelo, emva kokuba ufake iifayile zokufakela i-bankruptcy, umlinganiselo wakho wekredithi uza kuhla. Yimalini? Kuya kuxhomekeka apho uqale khona. Ngokomlinganiselo othile, amanqaku ekhredithi kubantu abaninzi abafake i-bankruptcy baya kuhlala malunga nama-550 kungakhathaliseki ukuba baqala kuphi (kodwa, ukuba uqaphele, akuyi kuhlala khona ixesha elide ). Uza kuba nobunzima obuninzi bokufumana iitaliti, njengemali mboleko yemoto okanye mboleko yemali, kwaye xa ufumana iitaliti, kuya kubiza imali eninzi ngenqanaba lentengo ephakamileyo.
Inkcazo yezemali inokufumana inzuzo enokuba kukukukhubaza ukuba ungangeni kwi-matyala kwakhona emva kokuba ususwe ngumntu ongenayo. Nangona kunjalo, i-stigma yezemali ayiyonto imbi nje ngabantu abaninzi. Ngokomzekelo, abaninzi abanetyala bafumana ikariti yemali-mboleko banikezela emva kokuba bafake iifayile zokuchithwa (nangona ixabiso lentengo ephezulu). Oku kungenxa yokuba ababolekisi bayazi ukuba phantsi komthetho wesigqeba, awukwazi ukufumana ukukhutshwa kwebhanki malunga ne-8 iminyaka.
Uyabona Ngaba Imali Yakho Yesikweleti Kubalulekile Emva kweBhancercy?
Ukucinga Ngezibonelelo Ezibhekiselele kwi-Stigma
Ewe, kubalulekile ukuba ulinganise i-pros and cons ye-caseruptcy case. Ekugqibeleni, abaninzi abantu banquma ukuba iinzuzo zigqithise kakhulu iindleko, ingakumbi xa ezo ndleko zixhomekeke kwizentlalo okanye zentlalo.
Xa ucinga ngeendlela ozikhethayo, kufuneka uqaphele ukuba inkqubo yebhanki yafakwa yiCongress njengenetha lokukhusela ukubamba bonke abaye bawa phantsi kwezoqoqosho zabo kwaye bafuna ukuphakanyiswa. Njengabantu abafake amacala angama-770,846 ngo-2916 .
Ngaphandle kwebhanki, yonke inkqubo yezemali ingawa. Oku kungenxa yokuba bekungekho "ngaphandle" kwaye ukuba uthe wafumana ityala uza kubambelela kulo ubomi. Akukho ntloni ekusebenziseni kakuhle inkqubo eyenziwa nguRhulumente ukubanceda abo baxinzelelekileyo kwezoqoqosho.
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