Ukuchithwa. Ingaba ingcinga yakho ikunika i-chills, kodwa ayikho into enhle? Ingumxholo onzima kubantu abaninzi. Bayazi ukuba kunokunceda, kodwa bayayesaba i-stigma kunye nemiphumo yexesha elide ukuze, ngokuqondakalayo, bajonge ezinye izisombululo.
Makhe sijonge indlela i-bankruptcy ebeka ngayo ukulwa nomnye wabaphiswano abadumileyo, icebo lolawulo lwetyala.
Isicwangciso Sokulawulwa Kwetyala?
Isicwangciso solawulo lwetyala, okanye i-DMP efutshane, yinkqubo enikezwa ngumcebisi wezezikweletu ukukunceda ufumane ulawulo lwetyala lakho elingalondoloziwe ngokufaka intlawulo nganye ngenyanga kwi-advisor counseling, ekwahlula phakathi kwababolekisi bakho.
Uninzi lwe-DMP lusebenza kanje:
- Uqokelela iinkcukacha kuzo zonke iakhawunti zakho kwaye ubabonelele kumcebisi wezikweletu.
- Umcebisi uxoxisana nabathengi bakho ukuba bathathe imali ethile ngenyanga nganye endaweni yeentlawulo eziqhelekileyo. Ngokuqhelekileyo, umbolekisi uya kuvuma inzala ephantsi, imali ephantsi, okanye ukuguga i-akhawunti.
- Uyavuma ukwenza inkokhelo yenyanga nganye kwi-arhente yokucebisa ukuhlawula amatyala njengoko uthethathelwa ngumcebisi malunga nexesha elithile.
Ukuthelekisa i-DMPs kwi-Bankruptcy
Kukho umahluko omkhulu phakathi kwe-DMP kunye nokufakela ukutshatyalaliswa, kwaye unokumangaliswa ukuba ufumene ukuba i-bankruptcy inikezela ngeenzuzo ezinamandla. Ukufumana iinkcukacha malunga nendlela yokuyeka i-bankruptcy isebenza ngayo, khangela la manqaku:
Qaphela ixesha lokuba kukho iindidi ezimbini zokutshatyalaliswa esiza kuqhathaniswa ne-DMP, iSahluko 7 siyi-bankruptcy ngqo, exolela inkokhelo ngaphandle kwesicwangciso sokuhlawula, neSahluko 13 , isicwangciso sokuhlawula esivela kwiminyaka emithathu ukuya kwemihlanu.
Nantsi ingqungquthela yokuqhathaniswa kwee-DMP kunye neentlobo zombini ze-bankruptcy:
Lihlala Kude Kangakanani?
- I-DMP : Ngokuqhelekileyo ukuya kwiminyaka emihlanu yentlawulo.
- Isahluko 7 : Ngokuqhelekileyo iinyanga ezine ukuya ezintandathu
- Isahluko 13 : Isicwangciso sokuhlawulela sithathu kwiminyaka emihlanu.
Ngaba Ndiyakhuselwa Kubolekisi?
- I-DMP : Hayi, kodwa umcebisi wakho wekhredithi uya kuzama ukukhusela intsebenziswano yabathengi bakho, kodwa akudingeki.
- Isahluko 7 : Ewe. Ukuhlala ngokuzenzekelayo kwe -Bankruptcy ngumyalelo osesikweni kumsebenzi wokuqokelela imali.
- Isahluko 13 : Ewe, sifana neSahluko 13
Ngaba iimpazamo zixolelwe?
- I-DMP : Hayi, kodwa umcebisi wakho wekhredithi unokufuna ukuvunyelwa kwababolekisi ukunciphisa inzala, ukuxolela iimali, okanye ukuvuselela iakhawunti.
- Isahluko 7 : Ewe. Oku kuthiwa ukukhutshwa . Isebenza kwiintlawulo ezininzi, kodwa ezinye iintlobo zamatyala njengentlawulo yakutshanje kunye nexesha elidlulileyo lokuxhaswa kwabantwana alisayi kukhutshwa.
- Isahluko 13 : Ewe. Isahluko 13 siphinde sikhuphe amatyala, kodwa amaninzi amatyala angenasiswanga njengentlawulo yakutshanje kunye nexesha elidlulileyo lokuxhasa abantwana kufuneka lihlawulwe ngokupheleleyo kwiSicwangciso seSahluko 13. Iinjongo ezingenakuthengwa njengamakhadi eemboleko ziya kuhlawulwa kuphela kwisicwangciso seSahluko 13 ukuba unayo ingeniso ukuyikhusela. Ngamanye amaxesha abathengi abathengiweyo bafumana inxalenye yetyala labo kwaye ngamanye amaxesha abafumani nto nhlobo. Kodwa nangona bengabhatalwa baya kukhutshwa xa uzalisa icebo lakho. Ukuze ubone indlela oku kusebenza ngayo, tyelela iSahluko 13 seBhangeruptcy Basics .
Isicwangciso Sokuhlawula Eside Kangakanani?
- I-DMP : Ngokuqhelekileyo ukuya kwiminyaka emihlanu.
- Isahluko 7 : Akukho sikhokelo sokuhlawula.
- Isahluko 13 : Iminyaka emithathu ukuya kwemihlanu kuxhomekeke kwingeniso yakho, iindleko, inani lematyala kunye nohlobo lwetyala.
Ingaba ibiza malini?
- I-DMP : Ngokuqhelekileyo ijikeleze i-$ 25 ngenyanga.
- Isahluko 7 : Imali yokufakela inkundla ye-$ 335 (okwangoku ngo-2018), kunye neentlawulo zeegosa ze-$ 1,200 ukuya kuma-2,000 kwi-average.
- Isahluko 13 : Imali yokufakela inkundla ye-$ 310 (okwangoku ngo-2018), kunye neerhafu zeeqweqwe zee-3,000 ukuya kwii-4,000 zamawaka zihlala zihlawulwa ngexesha eliyingxenye yesicwangciso sokuhlawula.
Ithinta njani i-My Score Score kunye neMbali Yesikweletu?
- I-DMP : Inyaniso yokuba uthatha inxaxheba kwi-DMP ayibalwa kwinqanaba lakho lekhredithi, nangona kuya kuphawulwa kwingxelo yakho yekhredithi. Oku kuthetha, ezinye iziphumo ze-DMP ziya kuba nefuthe. Ngokomzekelo, ukuvala i-akhawunti yakho kuya kuthintela inani lemali-mboleko oyifumanekayo kwaye inokuchaphazela imbali yakho yekhredithi, zombini isibalo kwisikripthi se-credit algorithm. Ukuze ufunde kabanzi malunga nendlela izikolo ezihlawulwa ngayo, tyelela i- Learn How Brock Affects Your Score Credit .
- Isahluko 7 : Ukuchithwa kwebhanki kukuchaphazela kakhulu kumanqaku akho, kwaye kuxhomekeka apho uqale khona, mhlawumbi uza kugqiba kwindawo ephakathi kuka-520 no-550. Kodwa, ukuba uyayilumkisa unako ukuphakamisa amanqaku ngokugqithiseleyo kangangokuthi malunga neebini ukuya kwiminyaka emithathu, usemgangathweni oluhle kwibala elihle kakhulu. Isahluko 7 siya kuhlala kwiirekodi zakho zemali iminyaka elishumi. Khangela indlela yokufumana iNew Credit ukuze usinde kwaye uphumelele emva kwe-Bankruptcy .
- Isahluko 13 : Isicwangciso seSahluko 13 siya kuhlala kwiirekhodi zakho zemali iminyaka engama-7 ukususela xa ugcwalisa isicwangciso, okanye iminyaka elishumi ukuba awuzalisi isicwangciso.
Ziziphi na iiMali Zami ezidibeneyo?
- I-DMP : Izikweletu ezingathembekanga kuphela ezifana namakhadi-mboleko kunye neebhilidi zonyango. Akukho mboleko yemoto, imali yokubolekwa kwemali, iimali-mboleko zabafundi, irhafu, inkxaso yabantwana okanye i-alimony.
- Isahluko 7 : ezininzi iinkokhelo zikhutshwa, kodwa ezinye azikho. Ukugcina amatyala akho aqinisekileyo njengemali-mboleko yemoto okanye imali yokubolekwa kwemali kufuneka uqhube ukuqhuba iintlawulo zenyanga.
- Isahluko 13 : ezininzi iinkokhelo zikhutshwa. Amanye amatyala angaphunyezwa kwiimeko zeSahluko 7 kufuneka ahlawulwe ngokuzeleyo kwisicwangciso seSahluko 13. Ukugcina amatyala akho aqinisekileyo njengemali-mboleko yemoto okanye imali yokubolekwa kwemali, kufuneka uqhubeke uqhuba iintlawulo zenyanga. Kukho imeko apho unokongeza imoto yakho kwisicwangciso sakho sokuhlawula. Ungasebenzisa kwakhona isicwangciso sokuhlawula ukufumana ixesha elidluleyo ngenxa yeentlawulo zezindlu kwaye ukhusele ukuchithwa.
Ngaba Ngaba Ndifanelekile?
- I-DMP : Akuqhelekanga ukuba unemali eyaneleyo yokuhlawula iintlawulo zakho.
- Isahluko 7 : Ewe. kufuneka udlulise "uvavanyo lwendlela." Ukuba ingeniso yakho, ukunciphisa iindleko ezithile, iyancinci kunemali engenayo kwilizwe lakho, uyadlula.
- Isahluko 13 : Cha. Akukho ndlela yokuvavanya, kodwa isicwangciso sakho sokuhlawula esicetywayo kufuneka senzeke-oko kukuthi, esinokuhlawuleka ngokusekelwe kwingeniso yakho kunye neendleko. ISahluko 13 sinomda ongaphezulu kwetyala ka-1,184,200 kwi-matyala aqinisekileyo kunye ne-394,725 yee-akhawunti ezinetyala elingaqinisekanga (ngo-2016).
Ngaba Ndiyakwazi Ukufumana Amatyala Angaphezulu Nangona Ndithatha Inxaxheba?
- I-DMP : Hayi. Mhlawumbi kufuneka uvale ii-akhawunti ozibandakanya kwi-DMP, kwaye awukwazi ukufuna ityala elitsha xa useDMP. Ababolekisi bakho baya kujonga ingxelo yengxelo yakho yekhredithi. Ukuba babona i-akhawunti entsha iphuma, i-DMP yakho iya kuba yintlanzi.
- Isahluko 7 : Ngokuqhelekileyo. Kodwa emva kokukhutshwa kwakho, uza kuqala ukufumana izibonelelo zemali-mboleko kwakhona. Ngoku nangoku. Ewe!
- Isahluko 13 : Akukho ngaphandle kwemvume yenkundla yebhanki, kwaye kuphela isizathu esilungileyo sokuthatha indawo yemoto.
Ngaba Ngaba Ndiza kunika nayiphina ipropati?
- I-DMP : Hayi, iintlawulo zakho zenyanga.
- Isahluko 7 : Mhlawumbi, ukuba unempahla engahlawulwayo. Ngaphantsi kwama-5 ekhulwini abafakiweyo befayili kufuneka bayeke ipropati.
- Isahluko 13 : Hayi, iintlawulo zakho zenyanga.
Ndingamfumana njani umntu ondibanceda?
- I-DMP : Ukuba ucinga nge-intanethi "isicwangciso solawulo lwetyala," uza kuza kunye namakhulu amaqela kunye neenarhente ezingenasenzuzo ezikulungele ukukunceda wenze isicwangciso solawulo lwetyala. Ezinye zale nkampani zenzelwe inzuzo, kwaye ezinye zibiza ukuba ziyiyo inzuzo. Ubhedu bakho obuhle kukuhamba kunye neQumrhu leSizwe leMali yokuTyala ngeMali, enenzuzo engenayo inzuzo, eyaziwayo, kwaye ehlonishwayo. Iwebhusayithi ye-NFCC inomsebenzi wokukhangela oza kukunceda ufumane i-agency echaphazelekayo, okanye uphendule Umcebisi ngeTyala lomThengi [kwisixeko sakho okanye ummandla].
- Isahluko 7 kunye neSahluko 13 : Unokufaka ifowuni yakho. Kubizwa ngokuba yi-"pro se se." Kodwa ubuchule bakho bokuphumelela buncipha kakhulu xa uhamba wodwa. Ukuze ufunde okungakumbi malunga nokufumana uncedo ekufakeni icala lakho lokubhankanya, funda indlela yokukhetha ummeli weNgxowa-mali .