Uhlahlo lwabiwo lwabiwo luya kuba lukhulu kakhulu kwigumbi elincinci loNgezelelweyo okanye utywala
Uhlahlo lwabiwo-mali luya kuba lukhuni ngobude be-plan yakho yesithathu ukuya kweyesihlanu. Igosa lakho liya kuzama ukwakha ngendlela enokwenzeka ngokubhekiselele kwi-akhawunti kwiindleko ezingalindelekanga njenge-bill-out-pocket ye-bill okanye ukulungiswa kwemoto, kodwa kunzima ukucwangcisa ukulahleka kwemisebenzi, ukuxhwaleka okanye iziganeko ezimbi.
Unokwenza ukuba uyeke ikhefu. Ukufumana imali yeeholide okanye izipho zokuzalwa kunokuba nzima.
Abanye abanetyala bavelisa imali eyongezelelweyo ngokuthatha imisebenzi yesibili. Ngamanye amaxesha umlingane ohlala ekhaya uya kufumana umsebenzi. Oku akunakunceda ekuhambeni kwexesha. Isixa sesicwangciso sohlawulelo sinokubanjelwa kwingeniso. Ukwanda kwengeniso kungabangela ukwanda kwiplani yentlawulo.
I-Credit entsha kwiSahluko 13 sakho
Ukuthatha i-credit ngaphezulu ngexesha lakho iSahluko 13 akuvumelekanga. Oku kuthetha ukuba awukwazi ukufaka isicelo sekhadi lesikweletu, uthabathe imali mboleko, ufumane i-payday okanye umboleko wecala lomthamo wemoto, okanye usebenzise ezinye iintlobo ze-akhawunti yebhanki yezicwangciso zokukhusela i-overdraft, eziqhelekileyo zenzelwe ukufaka isamba semali kwi-akhawunti yakho ukufaka i-overdraft kwaye uhlawule emva kwexesha.
Ngaphantsi kweemeko ezithile, unako ukufumana imali mboleko okanye ukufumana mboleko ukubuyisela into efunekayo njengefriji.
Ukuba udinga ukuthatha ikhredithi ngexesha lakho leSahluko 13, kuya kufuneka ukuba ubonise ukuba ikhredithi yinto enyifunayo ngokwenene kwaye ukuba uxanduva luya kuba lunengqiqo. Ngokomzekelo, unokwenza ufune ukutshintsha imoto eye yabakho ngengozi. Ngokuqhelekileyo, uya kuvunyelwa kuphela ukuthenga imoto enokulinganiswa nalowo ubekayo esikhundleni sakho, okanye ijaji lakho lokuchitha imali lingenza imida kwimali kunye nomyinge wenzala onokuyifumana.
Mhlawumbi kufuneka uhlaziye iphepha lakho lokubhankanya ukubonisa ukuba uya kuba nelithuba kwibhajethi yakho yokuhlawulwa kwetyala. Kusenokwenzeka ukuba ufune ukuza kwi-hearing ngaphambi kokuba ijaji ichaze ukuba kutheni ufuna i-matyala kunye nendlela uceba ukuyihlawula ngayo.
Uninzi lweSahluko 13 i-trustees inenkqubo ekhoyo ukuze kulungiswe izicelo ezinjalo, kodwa unganakulindela ukukhetha imoto, cela imali kunye nokuvunyelwa kwindawo leyo. Ingathatha iintsuku okanye iiveki ukuba kufuneka ufake isikhalazo kwaye uhambe phambi kwejaji ngesicelo sakho.
Lo mgaqo usebenza nokuba ufunwa ukuba ubambe ikhadi lekhredithi kwigama lakho egameni lakho. Bona oku ngakumbi kule ndlela kunye nezinye iziphakamiso zezinye iindlela, jonga iiCredit Credit cards kwi-Personal Bankruptcies .
Mhlawumbi uya kuhlawula iiNtlawulo zeGqwetha eliPhakamileyo
Icandelo le-13 lidla ixesha elide kwaye linzima ngakumbi kummeli we-bankruptcy. Ngoko ke, iifayili zakho ziya kuhlawulwa ziza kuba ziphakamileyo kunokuba zenzeke kwiSahluko 7 . Nangona kufuneka uhlawule ngaphezulu kwiimali zommeli zeSahluko 13, awufanele uhlawule yonke into phambi kokuba ityala lifakwe. Kwimeko yeSahluko 7, phantse wonke ummeli uya kufuna ukuba uhlawule yonke intlawulo phambi. KwiSahluko 13, nangona kunjalo, unako ukuhlawula ubuncinane ezinye zeSahluko 13 somrhumo njengenxalenye yesicwangciso sakho sokuhlawula .
Unokufumana iziphakamiso ezinokukunceda ukuba ufumane iindleko zokufakela isahluko 13 kwi- Too Broke kwi-File Bankruptcy? Icandelo 2 .
Ukutshintshwa kweSicwangciso sakho seSicwangciso
Xa isicwangciso sakho sivunyiwe (inkqubo ebizwa ngokuthi isiqinisekiso), unokufumanisa ukuba kufuneka uguqule imigaqo yesicwangciso. Oku kwenzeka njalo xa ufika emva kweentlawulo, ulahlekelwa ngumsebenzi, ulahlekelwe ngumvuzo okanye ufumane ukuphakanyiswa okuhle, uchithe imoto yakho, ube nosana okanye enye inguqu enkulu kwiindleko zakho. Igosa lakho liya kufuneka lifake amaphepha enkundleni ecela utshintsho kwimali yokuhlawula. Oku kuthiwa isicwangciso sokuguqulwa. Imirhumo yommeli yesicwangciso sokuguqulwa ngokuqhelekileyo ayifakiwe kwimali yokuqala, kodwa ngokuqhelekileyo
Nantsi enye into eyenzekayo kwimeko yeSahluko 13: Isihlandlo se-"Typical" Isahluko 13 .
Ukuthatha kwi-Mindset entsha
Uninzi lweziganeko zeSahluko 13 alisoze zenza kwisigaba sokukhupha. Zichithwa mhlawumbi kuba ifayile iyabuza ukuba ityala lixothwe okanye ngenxa yokuba ifayile ayigcinanga iintlawulo. Oku kuya kwenzeka ngenxa yokulahlekelwa ngumsebenzi, isifo esenza kube nzima ukwenza iintlawulo, ukuqhawula umtshato okanye utshintsho kwiinjongo - njengesigqibo sokunikezela indlu umboleki ozama ukulondoloza ukusuka kwi-foreclosure. Uninzi lweziganeko zeSahluko 13 ziyaxothwa ngenxa yokuba umboleki ufumana izithintelo ngaphezu kokuba afuna ukuthwala iinyanga ezingama-36 ukuya kwezi-60. Ukuze ufunde kabanzi, funda ukuba Kutheni Uninzi LweSahluko 13 Iingxaki Ziphumelele ?
Ukuba ucinga ngecala leSahluko 13 ngenxa yesiganeko esibalulekileyo ebomini bakho, njengexesha elongezelelweyo lokungabikho kwemisebenzi okanye amaninzi amabhilidi ezonyango, iSahluko 13 sinokuba isisombululo esisebenzayo sokubamba nokulungelelanisa ubomi bakho bezezimali.
Ukuba unengxaki yezemali kuba awuzange ufunde indlela yokuphatha imali okanye uchithe ngaphaya kweendlela zakho, iSahluko 13 asiyi kutshintsha indlela ocinga ngayo ngemali. Ndibonile abantu bezalisekile icala leSahluko 13, samkela zonke iinkonzo zamakhadi ezetyala eziza ngendlela yazo, kwaye zikhuphe ngaphandle kwala makhadi kwiinyanga.
Umdla wethu wokuchitha imali uninzi njengomdla wethu wokutya. Ngokunyusa ulwazi lwesayensi kwisifundo, siyaqonda ukuba "ukutya" akusebenzi ngexesha elide. Sidinga umbono omtsha wokutya kunye nomsebenzi wokwenyama ukuze ulahlekelwe ngokusisigxina ubunzima obunzima. Isahluko 13 sifana nokutya kwemali. Ingakufumana apho ufuna ukuhamba khona, kodwa ayiyi kukugcina khona. Kusadingeka ufunde indlela yokulawula imali yakho nendlela yokulwa needemon ezikhokelela ekuphumeni kwakho.
Ukuba ungathanda ukujonga ezinye iindlela eziya kwiSahluko 13 izicwangciso zokuhlawula okanye iSahluko 7 sokuchithwa ngqo, indawo enokuyilungisa ngokuCwangcisa amatyala akho: Isicwangciso sokuhlawula iikhodi zakho zeMatyala .
Ukuhlaziywa ngoFebruwari 2017 nguCarron Armstrong