Kushungurudza. Iko kufunga kwayo kunokupa chills, asi kwete iyo yakanaka here? Ndiyo nyaya yakaoma yevanhu vazhinji. Vanoziva kuti inogona kubatsira, asi vanotya kushorwa nemigumisiro yenguva refu saka ivo, zvinonzwisisika, vanotarisa mamwe mhinduro.
Ngatitarise kuti kubhadhara kunokwira sei kune mumwe wevakwikwidzi vayo vanozivikanwa, chirongwa chekubata chikwereti.
Chii Chinokwereta Chikwereti Gadziriro?
Chirongwa chekuchengetedza chikwereti, kana DMP kwenguva pfupi, chirongwa chinopiwa nechikwata chemarikiti kuti ikubatsire kutora chikwereti chako chisina kuchengetedzeka nekuita imwe mari yekubhadhara kune imwe sangano rekupa mazano, iyo inoparadzanisa pakati pevatengi vako.
Kazhinji DMPs inoshanda seiyi:
- Iwe unounganidza zvinyorwa pamabhuku ako ose uye unozvipa kune mupi wezvikwereti.
- Mupi wezano anokurukura nevatengi vako kuti vatore imwe chimwe mwedzi mumwe nomumwe panzvimbo yekubhadhara nguva dzose. Kakawanda, uyo ane chikwereti achabvumirana nekuderedza kufarira, kubhadhara mari, kana kudzorerazve kambani.
- Iwe unobvumirana kuita mari imwe chete yemwedzi kune imwe yenhengo yekupa mazano ekubhadhara chikwereti sezvainokurukurwa nevanopa mazano pane imwe nguva.
Kuenzanisa DMPs kuBafruptcy
Pane zvakasiyana zvakasiyana pakati peDMPs uye kufungidzira kubhadhara, uye iwe unogona kushamisika kuziva kuti kubhadhara kunopa mamwe mazano ane simba. Kuti uwane mamwe mashoko pamusoro pekushandiswa kwebhengi, ona zvinyorwa izvi:
Nyaya yenguva iyo kune marudzi maviri ekugadzirisa kwatichaenzanisa neDMPs, Chitsauko 7 chakakanganisika, chinokanganwira chikwereti pasina chirongwa chekubhadhara, uye Chitsauko 13 , iyo chirongwa chekubhadhara chinotora kubva pamakore matatu kusvika mashanu.
Heino mhepo yekuenzanisa kweDMPs uye marudzi ose ekushungurudza:
Inosvika Rakareba Sei?
- DMP : Kazhinji kusvika kumakore mashanu ekubhadhara.
- Chitsauko 7 : Kazhinji mwedzi mina kana mitanhatu
- Chitsauko 13 : Urongwa hwekubhadhara huri makore matatu kusvika mashanu.
Ndichadzivirirwa Kubva Muchikwereti Here?
- DMP : Aiwa, asi mutungamiri wako wechikwereti achaedza kuchengetedza kubatana kwevatengi vako, asi hazvidiwi.
- Chitsauko 7 : Hongu. Kuputsa kwekutsvaga kwega kwega ndiyo inorayirirwa pamusoro pemarikiti yekuunganidza basa.
- Chitsauko 13 : Hongu, zvakafanana neChitsauko 13
Zvikwereti Zvakaregererwa Here?
- DMP : Aiwa, asi mutungamiri wako wechikwereti angatsvaga kubvumirwa kubva kune vako vane chikwereti kuderedza kufarira, kukanganwira mari, kana kuwedzerazve mari.
- Chitsauko 7 : Hongu. Izvi zvinonzi kusunungurwa . Inoshanda kune chikwereti chikuru, asi mamwe mimwe chikwereti semitengo yemazuva ano uye mari yakatarwa yekubatsira mwana haisunungurwi.
- Chitsauko 13 : Hungu. Chitsauko 13 chinobvisawo zvikwereti, asi zvizhinji zvezvikwereti zvisingakwanisi kubhadharwa semitero yakangodarika uye yakatarwa kubatsirwe mwana inofanira kubhadharwa zvakakwana muChitsauko 13 chirongwa. Chikwereti chisingaverengeki sekwereti yemakadhi chichabhadharwa chete muChitsauko 13 kuronga kana iwe uine mari yekuirivha. Dzimwe nguva vatengi vasina kuchengeteka vanogamuchira chikamu chechikwereti chavo uye dzimwe nguva havangagamuchiri chinhu. Asi kunyange kana vasina kubhadhara ivo vachasunungurwa kana iwe ukazadzisa hurongwa hwako. Kuti uone kuti izvi zvinoshanda sei, shanyira Chitsauko 13 Bankruptcy Basics .
Inguva Yakadini Iripo Rokubhadhara?
- DMP : Kazhinji kusvika kumashanu.
- Chitsauko 7 : Hapana chirongwa chekubhadhara.
- Chitsauko 13 : Makore matatu kusvika mashanu zvichienderana nemari yako, mari, chikwereti chemari uye rudzi rwechikwereti.
Zvinowedzera Zvakadii?
- DMP : Kazhinji inodarika madhora 25 pamwedzi.
- Chitsauko 7 : Mari yekuisa mari yeDare re $ 335 (ikozvino inowanikwa muna 2018), pamwe nemari yemugovera we $ 1,200 kusvika ku $ 2 000 paavhareji.
- Chitsauko 13 : Mari yekuisa mari pamatare e $ 310 (ikozvino inowanikwa muna 2018), pamwe nemari yevatorikiti ye $ 3,000 kusvika ku 4 000 inowanzobhadharwa kwenguva inenge iri chikamu cherongwa hwekubhadhara.
Iko Kunobatsira Sei Chikwereti Changu Chikwereti uye Nhoroondo Yenhoroondo?
- DMP : Ichokwadi kuti iwe uri kutora chikamu muDMP hauna kuverengerwa muchikwereti chako chekwereti, kunyange zvazvo zvicharatidzwa pamushumo wekwereti yako. Izvozvo zvakati, zvimwe zviitiko zveDMP zvichava nemigumisiro. Semuenzaniso, kuvhara maakaunti ako kuchachinja huwandu hwechikwereti chaunenge uchitora uye chinogona kukanganisa chikwereti chako chekwereti, zvose zviri muchikwereti muchikwereti chegorgorithm. Kuti udzidze zvakawanda nezvekuti chikwereti chikoro chakaverengwa sei, shanyira Dzidza Kuti Mari Inokanganisa Sei Chikwereti Chakwereti .
- Chitsauko 7 : Kubhadhara kunoita zvinoshamisa pahuwandu hwako, uye zvichienderana nekubva kwawakatanga kubva, iwe uchazoguma pane imwe nzvimbo pakati pe520 ne550. Asi, kana iwe wakangwarira iwe unogona kusimudza icho chikamu zvinoshamisa kuitira kuti mune anenge maviri kusvika kumakore matatu, iwe uri mune zvakanaka chaizvo kusvika kune yakanakisisa. Chitsauko 7 chichagara pane chikwereti chekwereti kwemakore gumi. Tarisa Kuti Ungawana Sei Mwero Mutsva kuti Upone uye Ubudirire Mushure meBafruptcy .
- Chitsauko 13 : Chitsauko 13 hurongwa huchagara pane chikwereti chekwereti kwemakore manomwe kubva pakuisa kana iwe ukazadzisa chirongwa, kana makore gumi kana usingakwanisi kupedza chirongwa.
Ndezvipi Zvikwereti Zangu Zvose Zvimwe?
- DMP : Zvikwereti zvisina kuchengetedzwa semakadhi emakwereti uye mabhizimisi ezvemishonga. Hapana zvikwereti zvemotokari, zvikwereti, zvikwereti zvevadzidzi, mitero, rubatsiro rwevana kana alimony.
- Chitsauko 7 : Zvikwereti zvakawanda zvinobudiswa, asi zvimwe hazvisi. Kuti uchengetedze zvikwereti zvako zvakadai sekukweretesa kwemotokari kana kutora chikwereti iwe unofanira kuramba uchiita mimwe mwedzi kubhadhara.
- Chitsauko 13 : Zvikwereti zvakawanda zvinobudiswa. Zvimwe zvikwereti zvisingabhadharwi muChitsauko 7 nyaya inofanira kubhadharwa zvakakwana muChitsauko 13 chirongwa. Kuti uchengetedze zvikwereti zvako semari kana chikwereti chemotokari, unofanirwa kuramba uchishanda pamwedzi. Pane mamiriro ezvinhu maungagona kuwedzera motokari yako mubhadharo yako yekuronga. Iwe unogona kushandisawo chirongwa chekuronga kuti uwane zvakapfuura nekuda kwemari yekubhadhara imba uye kudzivirira kusarudzwa.
Ndinofanira Kufanirwa Here?
- DMP : Hazviwanzo kana iwe uchiwana mari yakakwana kuti uvhare mari yako.
- Chitsauko 7 : Hongu. iwe unofanirwa kupfuura "nzira yekuedza." Kana iwe wawana mari, kuderedza mamwe mari, uri pasi kudarika mari yepakati penyika yako, iwe unopfuura.
- Chitsauko 13 : Kwete. Hapana nzira yekuedza, asi chirongwa chako chekubhadhara chakarongwa chinofanira kuve chinokwanisika - kureva, chine mari yakawanda kubva pane zvaunowana uye mari yako. Chitsauko 13 chine chikwereti chikuru che $ 1,184,200 mune chikwereti chakachengetedzwa uye $ 394,725 mune chikwereti chisingaverengeki (sa2016).
Ndingakwanisa Kuwana Chikwereti Chakawedzerwa Apo Ndiri Kubatanidzwa?
- DMP : Kwete. Zvichida iwe unofanira kuvhara maakaiti iwe uri kusanganisira muDMP, uye haugoni kutsvaga chikwereti chitsva kana uri muDMP. Vakatora chikwereti vako vari kutarisa chikamu chako chekwereti. Kana vakaona maakareji matsva achikwira, DMP yako ichava mbiriso.
- Chitsauko 7 : Kwete kazhinji. Asi mushure mekubuda kwako, unotanga kugamuchira chikwereti chinopa zvakare. Ipapo. Zvechokwadi!
- Chitsauko 13 : Kwete pasina mvumo yedare rekudarika, uye chete nekuda kwechikonzero chakanaka chakafanana nekugadzirisa motokari.
Ndichatofanira Kupa Chero Mhando Ipi?
- DMP : Aiwa, kungofanana chete nemwedzi wako.
- Chitsauko 7 : Zvichida, kana iwe une pfuma isingabhadharwi . Vashomanana kupfuura 5 muzana yevashandi vebhengi vanofanira kusiya pfuma.
- Chitsauko 13 : Hungu, kungobhadhara mwedzi mumwe chete.
Ndingawana Sei Munhu Anondibatsira?
- DMP : Kana iwe uchitsvaga paIndaneti nokuda kwe "chirongwa chekubata chikwereti," uchauya pamwe pamwe nemazana emakambani uye ehurumende isingabatsiri inoda kukubatsira iwe kugadzira hurongwa hwekutarisira chikwereti. Zvimwe zvezvi makambani ekubhadhara mari, uye vamwe vanoti havasi purofiti. Bheji yako yakanakisisa ndeyokuenda neshamwari yeNational Foundation yeCredit Counseling, iyo ichokwadi isiri purofiti, inoziva, uye inoremekedzwa. Iwebsite yeNFCC ine basa rekutsvaga richakubatsira kuti uwane sangano rakabatana, kana kutsvaka Consumer Credit Counseling ye [guta rako kana nzvimbo].
- Chitsauko 7 neChitsauko 13 : Iwe unogona kuisa gwaro rekugadzirisa iwe pachako. Inonzi kudhonza "pro se". Asi mukana wako wekubudirira unopera zvikuru kana uchienda uri woga. Kuti udzidze zvakawanda pamusoro pekuwana rubatsiro kuti uise chikwereti chako chekubhadhara, sora Maitiro Okusarudza Mutengesi weBanruptcy .