Chii Chisiri-Chingaregererwa muChinyorwa Chechiitiko?

Chinangwa chevanhu vakawanda vanoisa bhadharo ndiko kubudiswa, kana kukanganwirwa, kwematokari. Kunyange zvazvo zvikwereti zvakawanda zvisingakwanisi kubhadharwa, pane zvimwe zvikwereti zvekwereti izvo zvisingagone kubviswa. Kana iwe uine chikwereti chero chipi zvacho chezvikwereti izvi, uye iwe ukakonzera chikwereti chekugadzirisa, iwe uchine chikwereti ichocho chikwereti mushure mekunge gwaro rekugadzirisa ravharwa. Izvi zvinogona kuwanikwa mukati me federal bankruptcy code pa 11 USC Sec 523.

Sei dzimwe chikwereti chichienda mushure mekuvhara mari, asi vamwe havaiti? Kazhinji ndezvokuti Congress inosarudza zvikonzero zvekuti kubvumira vatengesi (avo vanoisa zvikwereti) kuti vabvise basa ravo rechikwereti icho chaisazova chakanaka kuvanhu. Mune mamwe mazwi, patinenge tichienzanisa izvozvi, zvakabatsiri kune chikwereti uye sangano sevanhu vose zvinodarika zvakakosha iyo uyo ane chikwereti aizowana kana mutoro wake wokubhadhara wakabviswa. Funga nezvemuenzaniso kutsigirwa kwevana. Semuenzaniso, kubatsirwa kumwana anogamuchira rubatsiro rwevana kunonyanya kukosha kumwana uye kumagariro pane kubvumira munhu ane mhosva yekutsigirwa kubvisa chikwereti.

Ndapota cherechedza kuti nhamba iri pasi apa haisi yakakwana uye kuti kune mamwe maitiro ezvisingabhadharwi chikwereti chinoshanda kumamiriro chaiwo chaiwo uye kazhinji hachibatsiri kuvanhu vakawanda. Kana uchida kuona kuti chimwe cheizvi kana zvimwe zvisiri izvo zvinoshandiswa zvinoshanda kwauri, tapota sangana nemunhu ane ruzivo rwekugadzirisa gweta. Usafunga kuti chikwereti hachina kubhadhara mushure mekudarika kubhadhara. Nguva dzose yeuka kuti kubhadhakira kwakaoma uye izvo zvisingatauriki zvinogona kumira pane zvishoma.

Mari dzevadzidzi

Zvikwereti zvevadzidzi zvinenge zvisingambokwanisi kubhadharwa mubhengi. Nzira chete yekudzidzira chikwereti chemudzidzi ndeyokuratidza dambudziko risina kukodzera. Ichi ndicho chinetso chakaoma zvikuru kukunda. Ikozvino kuwedzera kunetseka pamusoro pekuwedzera kwechikwereti chemari chikwereti muUnited States.

Nemhaka yemutemo uyu, pane nzira shomanana yekuti vadzidzi vasave. Zvisinei, kune nzira dzekushandisa kubhadhara kuchengetedza mudzidzi wako chikwereti. Takanyora nyaya dzakazara dzezvinyorwa pamusoro pekuti kubhadhara kunogona kukubatsira sei nemari yako yezvikwereti zvevadzidzi. Tanga pano: Kutarisira Maridzo yevadzidzi: Nheyo .

Mitero

Izvo zvizhinji zvemitero ichangobva kuwanikwa inokweretwa kuhurumende yehurumende, nyika, kana nzvimbo inenge isingakwanisi kubhadharwa mukudarika. Chete bedzi kune mutemo uyu mutero wemari unosangana nezvinodiwa zvakanyanya. Nenzira yakawanda, mitero iyo inopfuura makore matatu emakore emitero inogona kusunungurwa zvichienderana nekutumira kwaani mitero yemitero, kana iwe wakagamuchira zvinyorwa zvekudzoka, nezvimwe zvinoda. Verenga nyaya yedu pamusoro pekubhadhara mitero yemari kuti uwane zvakawanda pamusoro peiyi nyaya. Heano imwezve nyaya: Kurega Imari Imitero Zvinokwana: Chii Chingawanikwa?

Dzimba Rutsigiro

Dzimba dzekutsigira zvinotarisirwa hazvikwanise kuregererwa mubhengi. Semuenzaniso, izvi zvinogona kusanganisira kutsigirwa nemudzimai / alimony uye kutsigirwa kwevana. Kana wako wekare-mukadzi akawana murairo kubva kumatare ehurumende achikumbira iwe kuti ubhadhara $ 500 pamwedzi kwaari mumubatsiro wekuroorana, chikwereti ichi hachizombobvumirwi mubhadhadzi. Dzidza zvakanyanya pa Kubudiswa Kwemitemo Yekuchengetedza Dzimba uye Imwe Chikwereti Chakakonzerana .

Mari neRefitution

Maripa uye zvikwereti zvinokweretwa kuhurumende, kunze kwemitero yemitero, haisi kuregererwa. Kudzorera kune avo vanopomerwa mhosva hakuna zvakare kuregererwa.

Kukuvara Kwevanhu

Uyewo haisi kuregererwa chikwereti chawakabatira pawakashandisa motokari paidhakwa uye zvakakonzera kukuvara kana kufa kweumwe munhu. Semuenzaniso, kana iwe wakasungwa nekuda kwekukuvadza munhu anomhanyisa nokuti iwe wakanga uchityaira doro, uye kutongwa kwakawanikwa pamusoro pako, kutonga hakusi kukwanisika. Ona Kubudisa Dhaka: Madhaini Asati Abudiswa .

Kukundikana Kuverenga Dhawedhi

Dhaka dzinogonawo kusunungurwa kana ukakundikana kuzvinyorera mumarongwa ako ekudarika. Izvi zvinoitika kana iwe ukakundikana kutarisa chikwereti munguva yekuti mukwereti ape uchapupu hwekuda uye uyo ane chikwereti akanga asina ruzivo rwekubhadhara.

Kukundikana kutarisa zvose zvezvikwereti zvako kunokonzera kukuramba iwe kusunungurwa uye inopomerwa nehurumende!

Kutsunga kweKuchenesa

Pane zvimwe zvikwereti izvo zvingasakwanise kubudiswa, asi bedzi kana uyo ane chikwereti akakwidza mhosva yekupomerwa iwe uye dare rekubhadhara rinofunga kuti harisi kurega. Izvi zvinosanganisira zvikwereti zvakabatwa noutsotsi, kusavhiringidza, kuvhiringidzika, kukanganisa kodzero yekuchengetedza, zvikwereti zvinokonzerwa nekukuvadza kunokanganisa kana kukuvadza, uye chikwereti chinokonzerwa nechibvumirano chekugara mumhuri kana kurambana. Dzidza zvakanyanya paKubvisa Dhaka: Madhora Anogona Kubudiswa .

Nokudaro, kana iwe ukanyorera kubhadhara uye uyo ane chikwereti haamboregi mhosva kuti chikwereti chigadziriswe sechisiri chekuregererwa, seyezvikamu, chikwereti chichasunungurwa. Zvisinei, iyi haisi iyo yakafanana neyezvikamu zvakapfuura zvakanyorwa pamusoro apa, izvo zvisingashandisi kuregererwa.

KUVIMBISA KWEMUTEMO

Ichi chinyorwa ndechekuziva nezvezvinangwa chete uye kwete nekuda kwekupa mazano emutemo. Iwe unofanirwa kubata gweta rako kuti uwane mazano nekuremekedza chero dambudziko rakasiyana kana dambudziko. Kushandisa nekusvika kwenyaya ino haisi kusimbisa ukama-mutengesi wevatengesi pakati pemunyori wenyaya ino nemushandisi kana shanduro.

Yakavandudzwa muna July 2017 naCarron E. Nicks