Iwe uri kufungidzira kubhadhaki nokuti uri kuwana nguva yakaoma kubhadhara zvikwereti zvako zvose, asi zvinosuruvarisa kuzadza kubhadhara hakusi kusununguka. Kuita izvi kunoda mari yematare, mari yekubhadhara mari, uye, zvichida, mari yemhosva. Nhamba yemari iyo inotarirwa nemhando yekubhadhara.
Chitsauko 7 vs. Chitsauko 13
Nzira inowanzozivikanwa yekushungurudzika kune vanhu ndeye Chitsauko 7, icho chinonyatsobvisa tsvina yakachena kune uyo ane chikwereti mushure mokunge imwe nzvimbo inoshandiswa uye mari inoguma inoparidzirwa kune chikwereti.
Imwe nzira inowanzosarudzwa ndeyeChitsauko 13 kubhadhara, iyo inobvumira munhu ane chikwereti kuchengeta mari inokosha kuburikidza nekubvuma chirongwa chekubhadhara. Somuenzaniso, kana munhu ane chikwereti achida kuchengetedza imba yake, Chitsauko 13 chichamubvumira kubhadharisa kuburikidza nematirastii, uye uyo ane chikwereti aizodzivirirwa kubva pamutemo unobhadhara vatengi.
Kushungurudza Kuzadza Mari
Kubva muna 2018, mari inokonzerwa neUnited States Court ine $ 335 kuti ipe Chitsauko 7 kubhadhara uye $ 310 kuti ipe Chitsauko 13 kubhadhara . Kana gweta kana kubhadhara kushandiswa kwebasa rinotaura kuti kubhadhara kwako kunogona kuiswa kune zvishoma pane izvi, zvinogona kunge zvakanyanya.
Idzi ndidzo dzinoshandiswa kutora mari. Zvimwe zviito mukati mako zvinogona kutora mari yakawanda. Semuenzaniso, pane mari yakawedzerwa yekushandura Chitsauko 13 nyaya kuChitsauko 7 chekare, kuti udzore zvakare chikwereti chekwereti, kana kuti kubhadharwa kwakadzorerwa nekuda kwekukwana mari. USCourts.gov inochengetedza rondedzero yemari yose yekubhadhara mari.
Zvinyorwa zveMafungiro uye Waiver Possibilities
Mitero inowanzodiwa kana iwe ukaisa chikumbiro chako kubhadhara, asi iwe unogona kukumbira dare kuti ikubvumire iwe kubhadhara mari muzvikamu zvitsva kana kuti uite kuti vasiye. Kuti uwane chikwereti chekubhadhara mari, iwe haufaniri kukwanisa kutenga mari, kunyange muzvikamu, uye mari yako inofanirwa kunge iri pasi pe 150 muzana yehurombo.
Dhipatimendi reUnited Health yeHurumende neHuman Services rinoparidzira hupfumi hwehurumende, hunosiyana zvichienderana nehuwandu hwevanhu pamhuri.
Zvinoda Kubhadharwa Kwekubhadhara Mazano
Iwe usati waita kuti uwane bhadha, unofanira kutora chikamu chechirongwa chekupa mazano chekwereti. Mukuwedzera, iwe uchafanirwa kutora mari yekugadzirisa mari. Izvi zvidzidzo zvinowanzouya nemari shoma kubva kumubatsiri. Nzira dzemari dzinowanzosara kudarika $ 100. Dhidhiyo yeDhipatimendi reDhipatimendi reUnited States yeUnited States ine urongwa hwemasangano anotenderwa mune imwe nyika Shanyira mawebsite avo kuti vawane mari yekubhadhara kwavo-dzidzo dzinodiwa.
Attorney Fees
Mari yemhosva inopesana zvakasiyana-siyana zvichienderana nehurumende, gweta, uye kukanganisika kwekwereta rako. Kune Chitsauko 7, zvikwereti zvako zvinogona kubva kubva pasi pe $ 1 000 kusvika kune $ 3 500. Chitsauko 13 matambudziko anowanzokodhura uye zvichida achasvika mari inosvika $ 2 500 uye inogona kuenda zvakadarika $ 6,000.
Kunze kwekuti iwe uri nyanzvi yemitemo yedare raunoshandisa, US Bankruptcy Code, uye hurumende, iwe unofanirwa kutarisira kuti unoda gweta kuti aise nyaya yako. Kana iwe ukazviisa iwe pachako, ziva kuti vatongi nevamwe vashandi vepamatare vanorambidzwa kukupa mazano emutemo.
Usarega kubhadhara mari inogona kubhadhara mari yekusvitsa iwe uchibva pane zvaunosarudza. Vaongorori vakawanda vanopa hurukuro dzakasununguka kana dzisingabatsiri kuti zvibatsire kuziva kana iwe uchida kuisa bhadhadzi uye kuenzanisa mari yose yekutumira kubhadhara kana uchida kuisa. Taura nevashoma varairi vanopa mazano ekusununguka kuti vaone zvaunosarudza. Iwe unogona kukwanisa kubhadhara gweta rako mune zvikamu, asi cherechedza kuti varairi vanogona kupedza nguva yakawanda nguva yakawanda panzira yako sezvawakabhadhara. Kana imwe chete yako yakachengetedza, iwe unofanirwa kuita chimwe chikwereti kuti urambe uchiita basa rako.