Fumana imali efunekayo ukuze wenze le mali-mali kwixesha elizayo.
Kwinye inqaku , ndathetha malunga nokuba kubiza kangakanani ukufakela i-bankruptcy. Kule nqaku, ndixoxa ngeendlela zokuza kunye nemali okanye ukufumana uncedo ukuze ungenayo.
Thatha inzuzo yokubonisana kwamahhala
Into yokuqala yokukhunjulwa kukuba abaninzi, ukuba akuninzi, abameli bebhanki bafumana inkululeko yokubonisana. Ummeli ofanelekileyo we-bankruptcy angakhangeleka kwiimeko zakho, unokukunceda ukuba unqume ukuba i-bankruptcy ilungele wena, luhlobo luni lokutshintshela kwifayili, ixesha lexesha kunye nendlela yokuhlawula ngayo. Indawo efanelekileyo yokujonga ummeli oqeqeshiwe nguMbutho kaZwelonke weeNkundla zeBhanki.
Iindlela zokuhlawula iNkundla yakho kunye neNkundla yeMali kaMatyala
Emva kokuba uhleli phantsi kunye negqwetha, unokuxoxa ngeendlela zokuhlawula ityala. Ummeli wakho webhanki unamava amaninzi kulo. Nazi ezinye zeengcamango oza kuxoxa ngazo.
Sebenzisa imali yakho yokubuyisela irhafu .
Xa imali yokubuyisela irhafu ifika entwasahlobo, abagwebi abaninzi bebhanki babona i-uptick kwinani labantu abafuna ulwazi malunga ne-bankruptcy. Ukuphatha urhulumente weburhulumenteni njengebhanki yokulondoloza ayisoloko yindlela engcono yokugcina imali yakho, kodwa kulo mzekelo iqanda lezinkuni lingakunceda uzuze izabelo ngokukuvumela ukuba ulahlekise ityala elimthwalo.
Yeka ukuhlawula amakhadi akho ekwereta . Ndivile le nto ebizwa ngokuba "bavumele ukuba ababolekisi bakho bakhokhele indlela yakho yokubhankanya". Emva kokuba unqume ukufakela i-bankruptcy, ukuba ubambelele kwimali oyisebenzisayo ukuhlawula abathengi bakho abangaqinisekanga (abo ngaphandle kokubambisa ngetyala), kwiinyanga ezimbalwa uya kuba neenjongo zokwenza i-case bankruptcy.
Fumana imali kwiintsapho okanye ngabahlobo . Ndiyaqonda ukuba kunzima ukuba ucele uncedo. Unokuziva ungakhululekile ukuxelela abantu obathandayo ukuba kutheni ufuna imali. Nangona kunjalo, abaninzi abathengi bam bafumanisa ukuba xa becela uncedo, babenemithombo engaphezulu kunokuba babecinga ngabantu abafuna nje kuphela. Igosa lakho liya kufuneka likwazi apho imali evela khona kuba oku ku funeka kubhengezwe kumaphepha akho e-bankruptcy. Ukuba ngaba yimboleko, loo mntu uya kufuneka adweliswe njengomboleki. Imboleko iya kukhutshwa kwimeko, kodwa oko akuthethi ukuba awukwazi ukuyihlawula. Ukuba isipho, kunokufuneka kubhalwe njengeniso. Igqwetha lakho lingakucebisa ngale nto.
Fumana abaqokeleli bakho bebhilikhi ukuhlawula . Ukuba uxhatshazwa ngabaqokeleli bebhilikhi, ithuba elihle laba baqokeleli banqamle imida yabo kwaye baphula umthetho woMthetho wokuThuthwa kweeTyala zikaRhulumente okanye ulingana nolwaseburhulumenteni.
Ukuba kunjalo, unakho ukuhlawulwa imali engama-$ 1,000 kwimeko yokuxhatshazwa, kunye nemonakalo eyona nto, kunye nemirhumo yommeli kunye neendleko. Oku kuya kufuna ukuba ugcine iirekhodi ezichanekileyo, urekhode iingxoxo zefoni kunye negosa elizimisele ukulandela. Akunabo bonke abameli bebhanki abasebenzisa lolu hlobo lwabathengi, kodwa baya kukuthumela kumntu owenzayo. Sineenkampani zokuqokelela zihlala kumawaka eedola. Cofa apha ukuze uluhlu lwaphulo loLwaphulo lwaMatyala olulungileyo.
Ukunciphisa iindleko . Ukulula kunokuba kwenziwe, kunene? Kodwa kukho inyaniso eninzi apho. Ukungayisebenzisi i-$ 4 ngenkobe yekhofi yomyili ingayongeza ngokukhawuleza. Kutheni malunga nokusika i-HBO ne-Showtime? Okanye uthathe isidlo sakho sasemini usebenze endaweni yokuchitha i-$ 10 okanye i-$ 15? Abantu abaninzi banokufumana ambalwa ambalwa kwinyanga nganye ngaphandle kokuvalelwa kakhulu.
Gcina ukhumbule ukuba uza kubhala uluhlu lweendleko zakho kwiimeko zakho zokubhankanya, ubuncinane ngokubanzi. Awufuni ukugawula amathambo angenanto kwaye unamathele kwi-budget engapheliyo ixesha elide. Igosa lakho lingakunceda ukuba ufumane iindleko ezifanelekileyo zokucoca.
Sebenza kunye nommeli wakho . Amagqwetha amaninzi asebhankini aya kukuvumela ukuba uhlawule iimali zakho zeSahluko 7 ngexesha elide, kodwa ngokuqhelekileyo zifuna ukuba iifizi zakho zihlawulwe ngokupheleleyo phambi kokuba ityala lifakwe. Kwimeko yeSahluko 13, nangona kunjalo, imirhumo yommeli ingafakwa kwiSahluko 13 sakho sokuhlawula. Ezinye iinkundla zebhanki ziya kukuvumela ukuba ufake ifowuni yeSahluko 13 apho uhlawula imali yakho yommeli kuphela kwinani leenyanga, uguqule ityala kwiSahluko 7.
Iindlela Zokufumana Iindleko Eziphantsi okanye Uncedo Lamahala
Fumana uncedo oluphantsi kweendleko . Ukuba ingeniso yakho iphantsi, awuphelelwe umsebenzi okanye unokukhubazeka, unokufumana ilungelo lokunikwa okanye iinkonzo eziphantsi kweendleko zomthetho. Hlola kunye neNkxaso yeeNkonzo zezomthetho yangaphakathi okanye uMbutho woNcedo lwezomthetho. Unxulumano oluninzi lwamabhunga asekuhlaleni lubuye lubhekisele kumagqwetha abazimisele ukubonelela ngeenkonzo ezikhululekile okanye eziphantse ezikhululekile kubantu abanomvuzo ophantsi. Kwaye ezinye zezikolo zomthetho zineekliniki zomthetho zabasebenzi ngabafundi bezomthetho phantsi kolawulo lwamagqwetha oogqirha.
Musa ukwenza oku ukuba Unokukunceda
Oku kuluhlu uluhlu lweendawo zokuhlala zokugqibela . Akufanele ucinge ngale ndlela ngaphandle kokuba unqwenela ukufakela ngokukhawuleza. Nceda uxoxe nommeli ochaphazelekayo we-bankruptcy ngaphambi kokuba uthathe nawaphi na amanyathelo ngenxa yokuba anokukuhlawula ixesha elide.
Ukuthatha i-credit ngaphezulu ukuhlawula igqwetha kunye neentlawulo zokufakela . Ukuba ucinga ukuba unokuthatha umboleko wemihla yomvuzo, umboleko wecala lomoto okanye ukuhamba phambili kwikhadi lakho lesikrediti kwaye uphumelele loo mali kwi-bankruptcy yakho, kungenakusebenza. Ukuba uthabatha umboleko wecala lomoto, ubeka ingozi kwisithuthi sakho kwaye kufuneka uhlawule inkampani yesikweletu sematyala ukuze ufumane imoto. Naliphi na ityala ozenzayo kwiintsuku ezingama-90 phambi kokufakela i-bankruptcy - okanye ngenjongo yokubandakanya kwi-bankruptcy - ayiyi kukhutshwa, kwaye ngokwenene, unokulahlekelwa ilungelo lakho lokukhutshwa phantsi kweemeko ezithile. Funda apha ukuze ufunde kabanzi malunga nokuba kutheni le nto ingengcamango.
Ukurhoxiswa kwi-401 (k) yakho, i-IRA yakho okanye ubulungisa bekhaya . Le mali iya kukhuselwa ( ukuxolelwa ) xa ufaka icala le-bankruptcy. Ukuba uyayisebenzisa ityala lakho, unokufumana izigwebo zokurhoxiswa kwangaphambili okanye iindleko zerhafu eziphezulu. Ukusebenzisa iimali-mboleko zokuhlala ekhaya kungenza ikhaya lakho libe yingozi xa unenkathazo yokwenza iintlawulo kamva. Kuphela xa unetyala elikhulu lemali eliza kukhishwa kwi-case of bankruptcy, oku kuya kuphakamisa amaninzi. Khangela la manqaku kwipropati ekhuselwe xa ufaka i-bankruptcy.
Ukufakela i-bankruptcy ngokwakho . Oku kubizwa ngokuba kufaka i-case "pro se" okanye "pro per". Ukuba uyifake ngaphandle kokunceda igqwetha, ithuba lakho lokuzalisa ngempumelelo icandelo leSahluko 13 lingaphantsi kwe-1%. Kwimeko yeSahluko 7, ithuba lakho lokugqiba ngempumelelo lingaphantsi kwama-50% ngaphandle kommeli. Kodwa oku kuxho mekeke kwimeko yelizwe olapha kunye nendlela intsebenziswano ngayo inkundla yakho. Ukuba unayo ityala elikhuselekile, kuya kufuneka uhlangabezane nezivumelwano zokuqinisekisa, uze uvele phambi kwejaji ye-bankruptcy. Ukuba unayo nayipropati engenziwanga, kufuneka usebenze kunye nomphathiswa. Unokulahlekelwa kakuhle kakhulu kubabolekisi bakho kwimeko yecala lokubhankqalaza kunokuba ubuya kulihlawula igqwetha kuqala.
Jonga kwakhona kwinqaku kwi- Bankruptcy Petition Prepares .
Ukuhlaziywa nguCarron Nicks ngoFebruwari 2018.