Okushiya ininzi yentlawulo ekhethiweyo, ngelishwa, ayinakukhutshwa. Ukuze ufunde kabanzi malunga nendlela onokusebenzisa ngayo amatyala e-bankruptcy ukulawula amatyala ahlawuliswa yerhafu, jonga ukusebenzisa i-Bankruptcy ukuLawula iiNtlawulo zeNtlawulo .
Nantsi ingqungquthela yezo ntlobo zamatyala.
Naliphina irhafu engakhange ikhutshwe : Le nto ityhila kakhulu, kodwa kubalulekile ukugxininisa ukuba irhafu yengeniso inokuhlangabezana nayo yonke imigaqo yokukhutshwa kodwa ingaphumeleli kwimfuneko enye. Xa oko kwenzeka, irhafu iyaba yindleko. Le ngenye yezizathu kubalulekile ukubonisana nommeli ongenamava ogqityiweyo okanye umqeqeshi weerhafu ukufumana ixesha elifanelekileyo lokufakela ityala le-bankruptcy.
Iintlawulo Zentlawulo . Ngamanye amaxesha, igunya lokurhoxisa libeka i-link kwipropati yakho ukuqinisekisa ukuhlawulwa kweerhafu ezihlawulwe. Xa iirhafu zikhuselekile, kukho izinto ezimbini ezibini eziqhubekayo. Okokuqala kukuba uxanduva lwakho lokuhlawula irhafu.
Okwesibini yinyathelo elongezelelweyo - ukubeka i-link - enika igunya lokurhoxisa ilungelo lakho kwipropati ukuba uyaphula ukuhlawula irhafu. Oku kufana noko kwenzekayo xa uthabatha imboleko yemoto.
Xa igunya lokurhafisa libeka i-lien, i-lien iya kufakelwa kwipropati yakho kwaye ayihambi ngenxa yokuba irhafu ikhutshwe kwi-bankruptcy.
Ukutshatyalaliswa akuchaphazeli i-lien. Ngako oko, xa uphuma kwi-bankruptcy, usenokuba usuphelile uxanduva lwakho, kodwa ikhonkco isaqhotyoshelwe kwipropati yakho. Xa uthengisa ipropati yakho, ingakumbi i-real estate yakho, i-lien iya kuyaneliseka kwimpahla yokuthengisa.
Imirhumo yePropati : Ukuba iirhafu zakho zepropati zihlawulwa ngunyaka owodwa wokufakela i-bankruptcy, ayifumaneki. Ukuba baneminyaka engaphezu komnyaka ngaphambi kokufa kwakho, unokukwazi ukukhupha uxanduva lwazo, kodwa ezininzi iintlawulo zepropati zithatha i-lien egcina ukuhlawulwa kwayo. Ngoko, unokukwazi ukuphelisa uxanduva lwakho, kodwa i-lien iya kuhlala kwaye iyaneliseka xa uthengisa ipropati (ngaphandle kokuba ugunyazisi-ntlawulo anqume ukuzama ukuyithengisa ngaphambi koko.)
I-Trust Fund Imirhumo : Ezi zi irhafu umqeshi wakho okanye omnye umbutho kufuneka ukuba azibambe kwi-pay yakho, njengerhafu yengeniso, iNkcazo yeNhlalakahle kunye neMedare. Kwakhona kubandakanya iintlawulo zentengiso ebhishino eliqokelela ukuthengiswa kweempahla okanye iinkonzo.
Eminye Imirhumo yeNgqesho, iRhafu yeMali kunye neMisebenzi yeMveli . Iirhafu zerhafu zithengwa kwiintlobo ezithile zeempahla. Ngokuqhelekileyo zibandakanywa kwixabiso lokuthengisa.
Eminye imizekelo i-petroli, utywala kunye nemveliso yecuba. Imirhumo yerhafu yerhafu ehlawuliswa kwimpahla efakwa kwilizwe.
Ukuhlawulwa kweerhafu ezingalunganga okanye iiKredithi ezibhekiselele kwiiNtlawulo ezingenayo imali : Ezi zixa-mali eziqhelekileyo zihlawuliswe kumhlawuli-ntlawulo emva kokubuyiswa kwentela. Zingaquka ukubuyiswa kwemali ekhutshwe ngephutha legunya lokurhoxisa, ukubuyiselwa imali ngokukhishwa ngenxa yephutha.
Izohlwayo Zentlawulo : Izigwebo zentlawulo zenzelwe ukwenza enye yezinto ezimbini. Basebenzisa ukuhlawulela urhulumente ngemali elahlekileyo, okanye benza njengesijeziso sokwenza okungalunganga. Izigwebo zerhafu ezihlawulwayo zihlawuliswa ukuba irhafu ingenasiswanga. Izigwebo zerhafu ezingekho phantsi kwezigwebo zerhafu ezingahlawulwanga ziyakuthi zihlawulwe xa ukuthengiselana okanye isiganeko esabangela ukuba isohlwayo senzeke ngaphantsi kweminyaka emithathu ngaphambi kokuba kufakwe ityala le-bankruptcy.