Tine tarisiro kuti tinokwanisa kuderedza zvimwe zveizvi.
Muchikamu chino tinotsvaga Chitsauko 7, iyo inonyanya kunyanya kubhadhara yakaiswa muUnited States . Chitsauko 7 chinonziwo kukanganisa zvakananga kana kuregererwa kwemari. Ndiyo iyo vanhu vakawanda vanofunga nezvekuti shoko rokuti "bankruptcy" rinouya mupfungwa. Nenguva pfupi, dare rinosarudza mutrasti kutarisira nyaya yako. Chikamu chebasa remuteresi ndechokutora zvinhu zvako, kuvatengesa uye kugovera mari kune avo vane chikwereti vanoisa zvikwereti zvakakodzera. Mutrasti haatore zvinhu zvako zvose. Iwe unobvumirwa kuchengeta zvakakwana "kurega" pfuma kuti uwane "kutanga kutanga".
Kugadzirira
Pamberi penyaya yaiswa, iwe; ndichafanirwa kuunganidza mabhuku ako ose emari semabhuku ebhangi, zvinyorwa zvekadhi yemakadhi , zvinyorwa zvezvikwereti, uye paystubs. Iwe uchashandisa ruzivo irworwo kuti uzadze chikumbiro chekudarika , sarudzo , zvinyorwa zvemari dzemari, uye mamwe magwaro achazoiswa kudare.
Iwe unogona kukopa makopi pachena kubva pawebsite yakachengetedzwa neDare reUnited States. Mupepeti wako achishandisa makombiyuta ekupedza makombiro kuti avabatsire.
Kazhinji, mabhuku aya anosanganisira chikumbiro chekuzvidira kwekuregererwa, purogiramu yemari uye zvikwereti, kuzivisa nezvekubhadhara chikwereti, uye zvinyorwa zvematambudziko emari .
Izvi zvinyorwa zvinoda iwe kuti uzarure hupenyu hwako hwehupfumi kumatare ekudarika. Zvinosanganisira kuongororwa kwezvinhu zvake zvose, zvikwereti, vatengesi, mari, mari uye kutengeswa kwezvinhu, pakati pezvimwe zvinhu. Kana wakambopedzwa, iwe uchaisa mubharisi wekodzero yako yekunze yekodha uye ubhadhara mari yekudhinda . Kana iwe uchida kuwana dare rako rekune imwe nzvimbo, shanyira pepanhau renyika rekutsvaga dare, sarudza "Bankruptcy" pasi pe "Court Type" uye wedzera nzvimbo yako mubhokisi rezasi.
Credit Counseling
Anenge munhu wose ane chikwereti anoda kuisa Chitsauko 7 nyaya inofanira kugovera muchikamu neavo vanobvumirwa nemukwereti wekwereti nyaya yacho isati yasvika. Izvi zvinogona kuva mumunhu, paIndaneti kana pamusoro pefoni. Chikonzero chinotevera ichi chinodiwa ndechekuti vamwe vanogona kukwereta havazivi zvavanokwanisa. Chikwereti chikwata chinogona kukwanisa kuratidza dzimwe nzira dzichakuchengetedza kuti urege kubhadhara. Iwe unogona kuwana ruzivo rwakawanda pamusoro pezvinodiwa izvi pane webhusaiti yeTrase Trustee.
Zvinoreva Test
Anokwereta anofanirawo kubudirira kupfuudza nzira dzekuedza kuverenga, iyo imwe nyanzvi inofanira kupedzisira isati yasvika pamberi pokusunungura kubhadhara . Uyu muedzo, wakawedzerwa kuBhangeruptcy Code muna 2005, inotarura kuti iwe unokwanisa kukwanisa here, kana kuti ane "zvinoreva" kubhadhara chikamu chinorehwa chezvikwereti zvako.
Nzira yekuenzanisa iyo inofananidza mari yako nemari yepakati penyika yako. Kana iwe ukakundikana nzira yekuedza , iwe unogona chete kuisa Chitsauko 7 kubhadhara pasi pezvimwe zvacho zvakasiyana. Nzira yako yaizova yekuisa Chitsauko 13 chekubhadhara chirongwa . Iwe unogona kudzidza zvakawanda pamusoro pekugadzirisa nzira uye nhamba dzinoshandiswa mukuverengwa kubva pawebsite yeTranse yeUnited States.
Musangano weVatengi
Mushure meChitsauko 7 chikanganiso chiri kuiswa, dare richabudisa gwaro rinopa chiziviso chemusangano wemukwereti wevakweretesi . Ichi chiziviso chinotumirwawo kune vose vane chikwereti izvo zvakanyorwa mukati mezvinyorwa zvebhengi. Panguva yemusangano wevakweretesa, mutsigiri we bankruptcy achakumbira mutengesi mibvunzo yakasiyana-siyana pamusoro pekubhadhara, sekuti ingave mashoko ose ari mukati memabhuku ekubhadhara ndeechokwadi uye akarurama.
Mutrasti angabvunza mamwe mibvunzo pamusoro pematambudziko emari yemutengi. Kana mutasitiri achida kuongorora kubhadharazve, anogona kupfuurira musangano wevakwereta kune zuva rinouya. Zvakakosha kuziva kuti pamusangano wevakwereta, sezvinoratidzwa nezita racho, ani zvake ane chikwereti angangotarisa uye anobvunza mubhadhara mibvunzo pamusoro pekushaya mari uye mari. Muzvokwadi, zvisinei, ivo chete vanokwereta vanoonekwa nguva dzose vari mumotokari yemotokari (kubvunza kuti munoda kuitei pamusoro pemari yenyu yemari) uye IRS (kubvunza kana uri kuzobhadhara izvo zvisingabhadharwi mitero).
Seizure of Assets
Kana mune imwe nzvimbo isingabhadharwi , muchengeti we bankruptcy ane kodzero yekubata nekutengesa iyo pfuma. Kuregererwa kunoreva hurumende kana hurumende mitemo inokubvumira kuchengetedza mamwe marudzi edzimba kana iwe ukaisa pasi. Semuenzaniso, kuregererwa kuripo kune kuchengetedza mabhuku ekutambira , sekuda 401 (k) chirongwa. Chero chipi nechipi icho mutrusti anogona kugadzirisa chinoparirwa kune vechikwereti.
Financial Management Course
Vasati vawana chikwereti vanogona kugamuchira kurasikirwa, ivo vachafanirwa kutora dzidzo muhutungamiri hwemari Chikoro ichi chinogona kudzidziswa neboka rimwe chete rawakashandisa kubhadhara mazano. Ronga kupedza nguva imwe nehafu mukati momunhu, paIndaneti kana pafoni.
Kubuda
Kana muteresi uye vane chikwereti vasingatendi kukasununguka kwomutengi , dare rekugadzirisa richapa mutero kubhadhara pane imwe nguva mushure mezuva rokupedzisira kurambidza. Zuva rokupedzisira kuisa kukanganisa kunopesana nekubuda kwemutokari mazuva makumi matanhatu mushure mekutanga kwemugumo wemusangano wevakwereta. Kana pasina kunyunyuta kunoiswa, kubudiswa kunowanzopinda mazuva akawanda gare gare. Kubudiswa kunodzivirira chikwereti kubva pakuedza kuunganidza chikwereti chero chipi zvacho pamusoro pako, chakasimuka isati yasvika pakuiswa kwebhengi. Nokudaro, nokuda kwezvinangwa zvose uye zvinangwa, kusununguka kunobudirira zvinobvisa zvikwereti. Zvisinei, zvakakosha kuziva kuti hazvirevi kuti zvikwereti zvose zvinokwanisika , kusanganisira mamwe mitero uye mwana kana kuti kubatsirana nekusimbiswa. Uyezve, kubviswa kwepasitori kune munhu. Izvi zvinoreva kuti munhu akatora chikwereti anokwanisa kuunganidza pane chikwereti chakabudiswa kubva kune mumwe munhu ane chikwereti chakanga chisina kutora chikwereti. Munhu ane chikwereti ane chikwata angakwanisawo kushandisa mari iyo kuti agutse chikwereti ichocho chakakosha.
Yakavandudzwa December 2017 naCarron Nicks