Ukuthintela ukuShatshazwa kokuShatshazwa koTywala kunye noMthetho woKhuseleko kwabaThengi

Indlela Eye Yayinceda Yakha I-Recession Great

Umthetho wokuThatshazwa koTyhuselo lokuShatshazwa kwabasebenzi kunye noMthetho woKhuseleko kwabaThengi ngumthetho owenzelwe ukunciphisa i-bankruptcies. Ngelo xesha, abameli bebango bacinga ukuba ukuphazamiseka kusetyenziswa ngabathengi ukuphepha nje ukuhlawula amatyala abo. Uninzi lwetyala ngelo xesha lilityala lekhadi lesikweletu .

Kwakhona babefuna ukukhusela iinkampani kunye nabantu ngabanye ukuba banganyanzelwanga ukuba baqeshwe ngababolekisi. Oku kwakuye kwenzeka ngefowuni yokuchithwa kwabangenayo .

Kukho iintlobo ezintathu zokunqongophala. Okokuqala, abo banetyala banokubamba imizamo yokuqokelela ababolekisi. Okwesibini, banokuba nezikweletu ezingakhuselekanga. Okwesithathu, bafumana iitaliti zabo zilungiswe kwaye iintlawulo zenzalo ziyancitshiswa kwiimali-mboleko ezikhuselekile.

Abaphathi bezomthetho babenenkxalabo yokuba i-bankruptcy ngayinye yaphakama ukusuka kwi-1.3 yezigidi ngo-1999 ukuya kwi-1.6 yezigidi ngo-2003. Ngakolunye uhlangothi, i-bankruptcy yebhankini yahlala ngama-38,000 ngonyaka.

UMongameli uB Bush wasayina uMthetho ngomthetho ngo-Ephreli 20, 2005. Kwakudingeka ukuba abanamatyala bavelise ukuba akukho nto ingenakuyifanelekileyo yokutsalwa kwebhanki. Kufuneka baqinisekise ukuba abazange bakwazi ukuhlawula, kwaye baye benza imizamo enyanisekileyo yokulungisa ingxaki yetyala.

Ukuguqulwa kwempikiswano kuninzi "yindlela yokuhlola." Ukuthelekiswa kwemali yabatyala kumvuzo welizwe lomlambo. Ukuba bekuphezulu, abanetyala abavunyelwe ukuvakalisa i-bankruptcy. Babecingwa ukuba baye baqhuba "ukholo olubi." Oku kwaphela kuphela xa bebonisa imeko ezikhethekileyo.

Indlela uMthetho we-Bankruptcy owawusinceda ngayo isizathu sokubuyisela enkulu

Ingxelo yeBhunga leSizwe loPhando loqoqosho (Economic Bank Prevention Act) lalinokuthi lincedise ukuba kubangele i-subprime mortgage crisis kunye ne- Recent Great Recession . Njani? Umthetho wenza kube nzima ukuvakalisa i-bankruptcy. Ngaphambi koko, abanini bezindlu bangabhengeza i-bankruptcy kwisikolo sabo siqu, bekhulule iimali zokuhlawula imali yabo yokugcina imali kunye nokugcina amakhaya abo.

Xa kubanjwe i-bankruptcy, abanini bezindlu baxhomekeke kwi-equity home ukuhlawula iindleko.

Okokuqala, abanikazi bezindlu baphoqeleka ukuba bathathe ukulinganisa ngaphandle kwamakhaya abo ukuhlawula amatyala abo. Ngaphambi kokuba uMthetho udluliselwe, ikhaya lalikhuselekile kubakweleti, nangaphantsi kwebhanki. Abaninikhaya bangabhengeza i-bankruptcy kwisikolo sabo siqu, bekhulule imali yokuhlawula imali yabo yokugcina imali kunye nokugcina amakhaya abo. Emva koMthetho, abantu bafuna ukuhlawula iindleko. Ukuhlawulwa kwemali kusweleke kwi-14 ekhulwini. Ukongezelela, iintsapho ezingama-200 000 zalahlekelwa amakhaya abo, unyaka ngamnye emva kokuba uMthetho udluliselwe.

Okwesibini, abantu baba khoboka ngenxa yeendleko zempilo . Ulawulo lwe-Bush luphendule kwisicelo sebhanki abathi abathengi babasebenzisa kakubi ukucima imali ukuze baphephe kuphela ukuhlawula iibhokhwe zabo. Kodwa iindleko zonyango zenze i-bankruptment . Xa uMthetho wawuthintela ukuphazamiseka, abo banezifo ezingapheliyo baphoxiswa ukuba bachithe zonke iimpahla zabo ukuhlawula iibhilidi zabo zonyango.

Oku kuxhaswa ngedatha yangaphambili. Kwiinyanga ezintathu ngaphambi kokuba uMthetho udluliselwe, kukho i-667,431 yee-bankruptcies (Q4 2005). Oku kuye kwaba ngaphaya kwe-116,771 kwikota yokuqala ka-2006. Kwakuyi-155,833 kuphela kwikota yesibini.

Ngaphandle komthetho, iCrisis Financial crisis ka-2008 yathumela ukuphazamiseka kwemali.

Kwikota yesibini ka-2009, abantu abangama-381,073 baphoqelelwe ukuba bangene kwi-bankruptcy. Ngelo xesha, abanini bezindlu babengenakukwazi ukuthembela ekulinganisweni kwekhaya ukuhlawula iindleko zabo. Baye balahlekelwa ikhaya labo, kwaye bekufuneka babhengeze ukuba baqeshwe. Ukwanda okwenkqisayo kwithuba elincinci kubonisa ukuba zingaphi iintsapho ezixutywe ebusweni bentyala engalindelekanga.

Iingcambu eziphezulu azizange zifike ngexesha elibi kakhulu kwezoqoqosho. Abathengisi ababengasayifumana iintlawulo ekugqibeleni bazibophezela. Edale amathuba engqesho. Nangona iindwendwe ezithe zafumana ukukhusela i-bankruptcy zigcinwe okwethutyana kwinqanaba elithinteleyo, lihlala kwingxelo yabo yeebhanki iminyaka elishumi. Okubathintele ukuba bathenge indlu okanye bafumane iitaliti. Zombini iindlela zandisa ixesha elide neengxaki zezindlu. Funda malunga neminye imithetho yokukhusela abathengi.