Ulawulo lweMboleko kunye namatyala

Isikhokelo seNyathelo-ngeNzathelo zokuPhakamisa iSikweletu sakho esingalunganga

Akuthatheli ezininzi ukufumana i-credit card. Unokuchitha inqaku lakho lekhredithi ngaphambi kokuba uqaphele ukuba unayo, okanye ngaphambi kokuba uqaphele ukuba kubaluleke kangakanani ukufumana amanqaku atyala.

Amanqaku akho ekhredithi ibonakalisa indlela oye waphatha ngayo izibophelelo zakho zemali. Isekelwe kwingcaciso echazwe kwii-credit bureaus ngeenkampani, njengabaniki bamakhadi kunye nabakweleti, unayo i-akhawunti ngezimali.

Ukuba uhlawule iibhokhwe zakho ngexesha kwaye ulawula iibhanki zakho ngokufanelekileyo, uya kuba neempumelelo ezifanelekileyo zekhredithi. Kodwa, ukuba wenze iimpazamo - njengokungahlawulanga ngexesha okanye ukungahlawulanga nonke-uya kugcina unetyala elibi.

Ukuba unetyala elibi, ngoko uyazi ukuba kunzima kangakanani. Ikhredithi embi yenza izinto ezininzi zinzima, akunakwenzeka, okanye zibiza kakhulu. Sonke siyazi ukuba iibhanki zikhangela amanqaku ekhredithi ngaphambi kokuba ikunike ikhadi lokuthenga ngetyala okanye mboleko. Oko kuthetha ukuba inkqubo yokuthenga indlu okanye imoto kunzima xa unetyala elibi. Ukuqeshisa indawo yokuhlala kunzima ngaphandle kokufumana amanqaku atyala. Iinkampani ze-inshurensi zihlala zihlawula iqondo eliphezulu kubaqhubi abanamabanga amanqaku ematyala. Ababoneleli ngeenkonzo zabasebenzi bajonga i-credit yakho ukuba bathathe isigqibo sokuba ngaba kufuneka uhlawule idiphozithi yokhuseleko. Njengoko iminyaka ihamba, uluhlu lweenkampani eziza kukhangela i-credit yakho ziyakhula mhlawumbi zikhule esikhundleni sokuhlaziya.

Kutheni Uphishekela Ukulungiswa Kwemali?

Kungakhathaliseki ukuba imbi kangakanani i-credit yakho ngoku, umonakalo awunasigxina. Ukulungiswa kwemboleko kukuvumela ukuba ulungise iimpazamo ezilimaza ikhredithi yakho kwaye uphucule amanqaku akho.

Ukulungisa i-credit yakho kubaluleke kakhulu ukugcina imali kwi-inshurensi, iimboleko kunye namakhadi esikwereti, kodwa akusiyo kuphela isizathu sokulungisa i-credit yakho . Ikhredithi engcono ivula amathuba amatsha omsebenzi, kwanokukhushulwa kunye nokuphakanyiswa nomqeshi wakho wangoku. Ukuba uphupha ukuqala ishishini lakho okanye ufuna nje ukhuseleko lokuba uyaziboleka imali xa ufuna, kufuneka ulungise i-credit yakho kungekudala.

Ungayilungisa yakho iNgxowa-mboleko?

Mhlawumbi uye wabona izibhengezo zokulungiswa kweentengo kwi-tv, kwi-radiyo, kwi-intanethi, okanye kwimiba yendlela. Iindaba ezilungileyo kukuba akudingeki ukuba uqeshwe uchwepheshe ukuze ulungise i-credit yakho.

Unokwenza zonke izinto ezifanayo nenkampani yokulungisa ngetyala, ngoko gcina imali kunye nokulahleka kokufumana inkampani ehloniphekileyo kunye nokulungisa i-credit yakho ngokwakho.

Qala ngeNgxelo Yemali Yakho

Ngaphambi kokuba uqalise, kufuneka ukwazi oko kufuneka ukulungiswa. Ingxelo yakho yekhredithi iqulethe zonke iinkcukacha ezifaka isandla kwikhredithi yakho embi. Oku kungadlulela ngenxa yeakhawunti, ukuqokelela kwetyala, izilinganiso zamakhadi eziphezulu, okanye iirekhodi zoluntu. Funda ngxelo yengxelo yakho yekredithi ukufumanisa izinto ezichaphazelekayo ezichaphazela amanqaku akho.

Fumana iNgxelo yeNtengo yeNtengo

Ngokomthetho, unelungelo lokukhulula iingxelo zekhredithi kwiintlawulo zemboleko zontathu ngamnye ngonyaka. Ingxelo yekhredithi yemali yonyaka ifumaneka kuphela kwi-AnnualCreditReport.com. Unokuphinde ulayishe ngefowuni okanye ngeposi ukuba oko kulula.

Kukho ezinye iimeko apho unelungelo lokunika ingxelo yekhredithi yamahhala:

• Utshintshelwe ngetyala ngenxa yento ethile kwingxelo yakho yekhredithi kwiintsuku ezingama-60 zokugqibela
• Okwangoku ufumana urhulumente uncedo

• Awusebenzi kwaye uceba ukukhangela umsebenzi kungekudala
• Ucinga ukuba ulixhoba lokukhwabanisa kwekhadi lesikredithi okanye ukwebiwa kwezazisi
• Umthetho wakho wombuso unika ingxelo engaphezulu yeentengo zemali zentengiso ngamnye ngonyaka

Ezi ngxelo zeentengo zemboleko zentlawulo kufuneka ziyalelwe ngokuthe ngqo ngeziko lemali-mboleko.

Ukuhlawula iNgxelo yeMboleko yakho

Ukuba sele usetyenzisile iingxelo zekhredithi zakho zamahhala zale nyaka, unokuyalela iirekhodi zakho zeentengo zemali ngqo kwi-credit bureaus okanye i-myFICO.com ngemali. Iingxowa-mali zonke zihambisa ingxelo yesithathu yekredithi ebonisa uluhlu lweentengiso zakho zontathu ngapha nangapha. Iingxelo ezintathu zekredithi zibiza iindleko ezingaphezulu kweerhafu enye ingxelo, kodwa ngaphantsi kwexabiso elidibeneyo lokuthenga iingxelo zakho zeentengo zemboleko.

Kutheni iLawula zonke iingxelo zeThathu zeTyala?

Abanye ababolekisi bakho nababolekisi bangabika kuphela enye yee-credit bureaus. Kwaye, ekubeni i-credit bureaus ingabelana ngolwazi ngolwazi, kunokwenzeka ukuba ube nolwazi oluhlukileyo kwiingxelo zakho. UkuLawula zonke iingxelo ezintathu ziza kukunika umbono opheleleyo wembali yakho yematyala kwaye ikuvumela ukuba ulungise i-credit yakho kuzo zonke iifesti ezintathu esikhundleni somnye.

Ukuphonononga iingxelo zakho zeNgxelo zeMatyala

Funda iirekhodi zakho zekhredithi ngokugqibeleleyo, ukhangele izinto ezingenakulungile. Kungaba luninzi ukugaya, ingakumbi ukuba uhlola ingxelo yengxelo yakho yekredithi ngethuba lokuqala. Thatha ixesha lakho kwaye ubuyekeze ingxelo yengxelo yemboleko kwiintsuku eziliqela ukuba ufuna.

Ukufunda iNgxelo yeMboleko yakho

Qwayelana nolwazi kwiingxelo zakho zeentengo zemboleko. Kungakhathaliseki ukuba uye wawalela phi iingxelo zakho zemali-mboleko, ziya kuqulethe zonke:

• Ulwazi lwakho lokuchonga
• Imbali ecacileyo nganye kwiakhawunti yakho
• Iirekhodi zoluntu ezifana nokubhankwa kwebhanki kunye neentlawulo zerhafu
• Imibuzo evela kwiinkampani ezithathe ingxelo yakho yebhanki

Ukugqiba ukuba Ziziphi izidingo Ukulungisa

Nazi iindidi zolwazi oluya kulufuna ukulungiswa:

• Ulwazi olungalunganga, kubandakanywa neakhawunti ezingezakho, iintlawulo eziye zabikwa ngokungekho mva, njl.
• Iimali ezidlulileyo ngenxa yeeakhawunti ezidlulileyo, zihlawulwe, okanye zithunyelwe kwiiqoqo.
• Ukuxhaswa kweeakhawunti eziphezu komda wesikweletu.

Gqamisa okanye ugxininise uluhlu lweenkcukacha nganye ngemibala eyahlukileyo ukukunceda wenze icebo lokulungisa iitaliti.

Uya kuthatha indlela eyahlukileyo yohlobo ngalunye lwazi. Ukukhanyisa ngemibala eyahlukileyo gcina ixesha lokufunda kwakhona ingxelo yengxelo yemali nganye ngexesha ulungele ukuhlawula, biza umnini-mboleko okanye uthumele ileta.

Iingxabano zeNgxelo zeNgxowa-mali

Unelungelo lokunika ingxelo echanekileyo ngetyala. Unokuphikisana naluphi na ulwazi kwingxelo yakho yekhredithi engalungile, engaphelelanga, okanye ukholelwa ukuba ayikwazi ukuqinisekiswa. Xa uyala ingxelo yakho ye-credit, uza kufumana imiyalelo malunga nendlela yokuphikisa ulwazi lweengxelo zemboleko. Iingxelo zeNgxowa-mali ezithe zenziwa kwi-intanethi ziza kunye nemiyalelo yokwenza iingxabano kwi-intanethi, kodwa unokwenza iingxabano malunga nefowuni kunye neposi.

Indlela Eyona Mlungelelaniso Yeengxabano Zokulungisa Amatyala

Ukuphikisa i-intanethi kukhawuleza kwaye kulula, kodwa ngaphandle kweefowuni ezithathayo, awuyi kuba nomzila wephepha kule nkqubo.

Ukuthumela iingxabano zakho ngeposi kunamathuba amaninzi. Okokuqala, unokufaka ubungqina obuxhasa ukuphikisana kwakho, umzekelo, isheke esikhoxisiwe esikwenza ukuba wenze intlawulo ngexesha. Ungakwazi kwakhona ukugcina ikopi yencwadi yengxabano kwiirekhodi zakho. Ekugqibeleni, ukuba uthumele ingxabano yakho ngeposi eqinisekisiweyo kunye ne-receipt receipt eceliwe-enokuthi ufanele - unobungqina bosuku othumele ngalo umpikiswano. Oku kubalulekile kuba i-credit bureaus ineentsuku ezingama-30-45 zokuphanda nokuphendula kwimpikiswano yakho.

Unokugqiba ukuthumela iileta ezininzi zokuphikisana. Gcina i- template yengxabano yengxabano kwikhompyutheni yakho ongayiguqula kwiingxabano ezahlukileyo kunye neerhafu zemali ezahlukileyo. Oku kuya kukusindisa ixesha kwaye kukugcine ekubhaliseni ileta entsha ukususela rhoqo.

Ukuthumela Ingxabano Yakho

Xa uthumela impikiswano yakho, unokufaka ikopi yengxelo yakho yekhredithi kunye nento ophikisana ngayo kunye nekopi (engekho yentsusa) nayiphi na ubungqina obunayo obuxhasa imbambano yakho.

Qinisekisa ukufaka ulwazi olwaneleyo malunga neengxabano zakho. Ngaphandle koko, i-credit bureau iyakwenza isigqibo sokuba ingxabano yakho iyanqabile kwaye iyancipha ukuphanda ingxabano okanye ukuhlaziya ingxelo yakho yekhredithi.

Ngethuba nje ingxabano yakho imthethweni, i-credit bureau izakuqhuba uphando. Olu phando luhlala lulula njengoko kubuza umboleki ukuba ulwazi luchanekile. Xa uphando luzalisekile, i-credit bureau ithumela impendulo kwimpikiswano yakho.

INgxowa-mali yeNgxowa-mbambano

Ungathumela iimpikiswano zakho ngqo kwi-bhanki okanye ishishini elidweliswe ulwazi kwingxelo yakho yekhredithi. Banoxanduva olufanayo lomthetho ukuphanda ingxabano yakho nokususa ulwazi olungagqibekanga, olungaphelelanga, okanye olungenakuqinisekiswa kwi-credit report yakho. Ukuphikisa ngokuchanekileyo kunye neenkcukacha zeempahla ziyimfuneko ukuba iziphene ezithi "ii-credit bureaus" ziqinisekisa "zichanekile".

Kwenzeka ntoni emva kweNgxabano

Ukuba impikiswano iphumelele kwaye ingxelo yakho yekredithi ihlaziywa, i-bureau iya kwenza utshintsho, uqaphele enye i-credit bureaus, kwaye ikuthumelele ikopi ehlaziyiweyo yengxelo yengxelo yemboleko.

Ngakolunye uhlangothi, ukuba loo nto ingasuswanga kwingxelo yakho yekredithi, ingxelo yakho iya kuhlaziywa ukubonisa ukuba uphikisana nolwazi kwaye uya kunikwa ithuba lokufaka isitatimenti somntu siqu kwingxelo yakho yekhredithi. Iingxelo zomntu azichaphazeli umlinganiselo wakho wekhredithi, kodwa unokunika ingqiqo eyongezelelweyo kwingxabano yakho xa ishishini lihlola ngokutsha ingxelo yakho yekhredithi.

Ukujongana neengxelo ezidlulileyo

Imbali yokuhlawula ithintela amanqaku akho kwikhredithi ngaphezu kweyiphi enye into - iipesenti ezingama-35 zamanqaku akho. Ekubeni imbali yokuhlawula inxalenye enkulu yenqaku lakho lekhredithi, ukuba neengxelo ezidlulileyo zeengxelo kwiirekhodi zakho zekhredithi ziza kukulimaza amanqaku akho. Ukunyamekela oku kubalulekile ekulungiseni iitaliti. Nenjongo yokudlula ngenxa yeengxelo ezichazwe ngokuthi "zangoku" okanye "zihlawulwe."

Fumana kwangoku kwiakhawunti ezithe zadlulileyo ngenxa yoko, kodwa engekahlawulwa . Inkokhelo- enye yezona ziganeko ezigqithisileyo zeakhawunti kwaye zenzeke xa inkokhelo yakho yimihla eyi-180 edlulileyo ngenxa.

Iingxelo ezigqithisileyo kodwa zingaphantsi kweentsuku eziyi-180 ezidlulileyo ngenxa yoko zingagcinwa ukuba zihlawuliswe xa uhlawula inani elidlulileyo lemali. Qaphela, okulandelayo emva kwakho, ukuphakama kwakho ukufumana intlawulo kuya kuba.

Qhagamshelana nomboleki wakho ukuba uxoxe ngeendlela zokwenza i-akhawunti yakho yangoku. Umboleki-mali wakho unokulungela ukukhupha isigwebo sexesha elide okanye usasaze i-balance balance yexesha elidlulileyo kwiintlawulo ezimbalwa. Batshele ukuba unxunguphekile ukuphepha ukuhlaselwa, kodwa udinga uncedo oluthile. Umboleki wakho unokufuna ukuhlaziya i-akhawunti yakho ukuze akhombise iintlawulo zakho njengokuba zikhoyo ngoku kunokuba uzikhohlise, kodwa kufuneka uxoxe nabathengi bakho ukuba bathethe inxaxheba.

Bhatala iakhawunti ezisele zihlawulwe . Usenokwenza uxanduva lokuhlawula imali. Njengoko bekhula, i-pay-offs yenzakalisa amanqaku akho kwikhredithi ngaphantsi. Nangona kunjalo, ibhalansi ephumayo iya kwenza kube nzima - kwaye ngamanye amaxesha akunakwenzeka-ukufumana imvume entsha kunye neengxowa-mboleko. Ingxenye yokulungiswa kwetyala kufuneka ifake ukuhlawula imali-mali.

Ukuba uhlawula ngokupheleleyo inkokhelo, ingxelo yakho yekhredithi iya kuhlaziywa ukubonisa ibhalansi ye-$ 0 kunye ne-"Payment". Isimo sokuhlawula siya kuqhubeka sichazwa iminyaka esixhenxe ukususela ngomhla wokuhlawula.

Enye inketho kukulungisa i- charge-offs ngaphantsi kwe-balance balance. Ngendawo yokuhlala, umbolekisi uyavuma ukufumana intlawulo engaphantsi kwaye ukhansele intsalela yetyala. Imozulu yokuhlawula iya kuhamba ingxelo yengxelo yemboleko kwaye uhlale iminyaka eyisixhenxe.

Unokwazi ukukhokelela umboleki ukuba asuse isimo sokuhlawula imali kwi-akhawunti yakho yekredithi ngokutshintshela intlawulo, kodwa oku akwenziwe lula. Into ebaluleke kakhulu kukuhlawula i-charge-off and if you can get a favorable status account, ibhonasi eyongeziweyo.

Unakekele i- akhawunti yokuqokelela . IiAkhawunti zithunyelwa kwi-arhente yokuqokelela emva kokuba zihlawulwe okanye zihlambele kwiinyanga eziliqela. Kwaye neengxelo ezingabonakaliyo kwi-credit report yakho zingathunyelwa kwi-ejensi yokuqokelela kwaye zongezwa kwikhredithi yakho.

Indlela yakho yokuhlawula iifowuni ifana neleyo yokuhlawulwa kwemali-mali, unakho ukuhlawula ngokuzeleyo kwaye uzame ukufumana umvuzo wokususa okanye ungayigcina i-akhawunti ngaphantsi kwe-balance balance due. Ukuqokelela kuya kuhlala kwi-credit report yakho iminyaka engama-7 ngokubhekiselele ekugqibeleni kwangaphambili.

Ukunyamekela iAkhawunti ezidlulileyo:

• Iindlela ezi-5 zokwenza ama-Akhawunti ezidlulileyo
• Amaqhinga okuhlawula iikholeji
• Ngaba Ufanele Uhlawule Iqoqo Elidala?

Khupha iiMali eziPhakamileyo zeKhadi leMatyala ngaphantsi kweMida yazo

Ukusetyenziswa kwekhredithi yakho - umlinganiselo othelekisa izilinganisi zekhadi lakho lekhredithi kumlinganiselo weekhredithi - yinto yesibini eyona nto ichaphazela amanqaku akho. Iipesenti ezingama-30 zamanqaku akho. Ukuphakanyiswa kweemali zakho, kukubangela ukuba buhlungu kakhulu amanqaku akho.

Ukuxhaswa kwamakhadi-krediti kuxabisa iinqununu zamatyala ezixabisekileyo. Khupha amakhadi ekhredithi phantsi komda we-credit, uze usebenze ukuhlawula iifike ngokupheleleyo. Izilinganiso zekhadi lokuthenga ngamatyala ezingaphantsi kwama-30 ekhulwini lomlinganiselo weekhredithi zilungele ukufumana amanqaku akho. Ngaphantsi kwama-10 ekhulwini kulungile.

Imali yeMali kunye neMali Yakho Yesikweletu

Ukulinganisela kwemali yemali mboleko yakho kuya kwisixa sokuqala obolekayo, ngakumbi kukulimaza amanqaku akho. Gxininisa kuqala ekuhlawuleni izilinganiso zekhadi lesikredithi kuqala kuba zinempembelelo eninzi kumanqaku akho. Emva koko, nciphisa izilinganiso zakho zemali mboleko.

Iimali zeeNkcazo ezidlulileyo kunye nama-Balance High

Mhlawumbi awukwazi ukuhlawula izilinganisi zakho kunye neakhawunti zakho ezidlulileyo ngokukhawuleza. Gxininisa kuqala kwiingxelo ezisemngciphekweni wokudlulela okanye ukuhlawulwa. Fumana amaninzi ala ma-akhawunti ngoku nje ngokusemandleni. Bonke xa unako. Emva koko, hlawula izilinganisi zekhadi lakho lesikweletu. Okwesithathu, sebenzisa iakhawunti eziye zahlawulwa okanye zithunyelwa kwi-arhente yokuqokelela.

• Indlela yokubala ukusetyenziswa kweMali
• Izizathu ezi-5 Awufanele Uzikhuphe i-Credit Card yakho
• 5 Iimigaqo zokwenza iintlawulo zeKhadi leKhadi

Fumana iNew Credit

Emva kokusombulula izinto ezimbi kwi ingxelo zakho zemali, yenza umsebenzi wokufumana ulwazi oluchanekileyo. Njengoko iintlawulo zexesha elidlulileyo zilimaza amanqaku akho, uhlawulelo lwexesha elifanelekileyo lunceda amanqaku akho. Ukuba unamakhadi atyala kunye neengxowa-mboleko ezichazwe ngexesha, zikhulu. Qhubeka ugcina ezo zilinganiso kwinqanaba elifanelekileyo kwaye uhlale uzihlawula ngexesha. Ukuba awunayo i-akhawunti evulekileyo, yangoku, uya kufuneka uqale ngokutsha.

Kuphi ukufumana iMali entsha

Izidlophongo zangaphambili ziyakwenza ukuba ungagunyazisiweyo kwikhadi lekhredithi enkulu ukuze unciphise izicelo zakho zekhadi zekredenti enye, kwizona zibini zide, kude kube lula ukuba umlinganiselo wakho wekhredithi uphumelele. Oku kuya kuncitshiswa kwemibuzo yesikweletu , ezongezwa kwingxelo yakho yekhredithi rhoqo xa wenza isicelo esitsha sekhredithi. Imibuzo emininzi yematyala inokulimaza amanqaku akho kunye nekhono lakho lokufumana i-credit entsha. Imibuzo ihlala kwingxelo yakho yekhredithi kwiminyaka emibini kodwa ichaphazela kuphela amanqaku akho ekhredithi kwiinyanga ezili-12.

Ukuba unqatshelwe ikariti enkulu yamatyala, zama ukufaka isicelo sekhadi lesikratshi lesitolo. Akunakho inhlanhla? Khawucinge ngekhadi lekhredithi elikhuselekileyo elifuna ukuba wenze i-deposit deposit ukuze ufumane umda wesikweletu. Ukukhutshwa kwekhuseleko kwenza ikhadi elikhuseleyo lilukhuni ngakumbi, kodwa ikhadi elikhuselekile ukusuka kwinethiwekhi enkulu yokucwangcisa lungcono kunekhadi lekhredithi yokuthengisa.

Sebenzisa iNew Credit ukuze Uncede Ikhredithi Yakho Yesikweletu

• Ukusebenzisa iMatyala Ekhuselekile ukuKwakha iMboleko yakho
• Indlela yokufumana iKhadi leMatyala kunye neNgxowa-mali engekho
• Fumana iikhadi zeMboleko ezifanisa amanqaku akho eNgxowa-mali

Iingcebiso ezisixhenxe zokulungisa iiNtengo

Gcina iingcebiso zokulungisa iitaliti engqondweni njengoko usebenza kumanqaku angaphezulu kwekhredithi.

1. Gcina oko unokukwazi . Musa ukuhlawula iakhawunti ezimi kakuhle kwiakhawunti ezingekho. Qhubeka uhlawula ngokukhawuleza kwii-akhawunti zakho zangoku.
2. Ukusabalalisa iingxabano zakho ngexesha elide . Ukuba uphikisana nezinto ezininzi kwiingxelo zakho zemali, yenza kuphela impikiswano nganye kwileta kunye nendawo ngaphandle kweengxabano zakho. Ikhredithi inokubakhokrokra iingxabano ezininzi kwaye zijonge njengento engenangqiqo.
3. Qaphela ukuvala amakhadi ekwereta . Ngokukhawuleza ukuvala ikhadi lekhredithi kunceda amanqaku akho ekhredithi. Enyanisweni, ukuvala ikhadi lekhredithi kunakho ukulimaza amanqaku akho ekhredithi , ngokukodwa xa i-akhawunti ine-balance.
4. Funda izinto ezibuhlungu ngayo amanqaku akho . Funda ukuba zeziphi izinto ezinempembelelo embi kwinqanaba lakho lekhredithi ukuze ubaleke ukwenza ezi mpazamo.
5. Umlinganiselo wakho wekhredithi unokutshintsha . Amanqaku akho ekhredithi angakhohla ngokungalindelekanga njengoko uhamba ngokulungiswa kwetyala. Oku akuthethi ukuba wenze into engalunganga. Qhubeka nokongeza ulwazi oluchanekileyo kwingxelo yakho yekhredithi kunye nomlinganiselo wakho wekhredithi uza kuphucula ngexesha elide.
6. Cinga ngocetywa ngabathengi . Ukuba amatyala akho anzima, ababolekisi abanqwenela ukusebenzisana nawe, kwaye awubonakali ukuba ufikelele kwisicwangciso sakho sokuhlawula, umcebisi-ngcebiso ngekhredithi ngumkhethe wokubuyela kumzila.
7. Ukuba i-bankruptcy ayinakukhunjulwa, fayili kungekudala . Ukuba ukufakela i-bankruptcy yindlela ephela yokubuyela kumzila, musa ukuchitha ixesha kwiinkqubo ezingasebenzi. Hlola ukuba ngaba ufuna ukufakela i-bankruptcy kusasa ukuze uqale inkqubo kwaye uqale ukuvuselela ikhredithi yakho nobomi bakho.