Musangano weKwereta unodiwa.
Misangano yekupa chikwereti inowanzorongwa pakati pemakumi maviri nemakumi mana mushure mokunge nyaya yacho yaiswa.
Apo Chiziviso chekutanga kweNyaya chichibudiswa neBanruptrupt Court, chichasanganisira ruzivo pamusoro pezuva, nguva uye nzvimbo yemusangano.
Zvinosuruvarisa, iwe hauna kupa sarudzo yenguva kana mazuva. Chikamu 341 chinoda kuti musangano uitwe. Nokudaro, hazvigoneki kutora kubudiswa muchengeti yekushungurudza pasina kuenda kumusangano. Asi, dzimwe nguva, ane chikwereti angawana kuti ane kukakavara. Kunyange zvazvo musangano wevakwereta chikamu chakakomba chekugadzirisa mari, kukakavadzana nguva nguva haisi yese isiri iyo. Vanokweretesa vanogona kunge vari kunze kweguta, vane mabasa anokosha emabasa avo vasingakwanisi kudzoka, vane vana vaduku kuti vatarise, vanorwara. Ndakatombova nematokari avo vaiva muuto raimiririra kune dzimwe nyika kana kuti vakaiswa mujeri panguva yakarongerwa musangano wavo pamwe nematirastii.
Zvaunofanira kuita kana kukakavadzana kuchibuda
Kutanga : Somunhu ane chikwereti, unofanira kutora mutemo uyu zvakanyanyisa.
Kana iwe ukasateerera musangano wako, kana kutokanganiswa nekukanganisa, nyaya yako inogona kubviswa kunyange iwe waive nechikonzero chakanaka. Mukana wako wakanakisisa wekugadzirisa kukakavara ndeyekushanda.
Chechipiri : Unofanirwa kunzwisisawo kuti hutongi hwakasiyana-siyana, ruzivo rwakasiyana-siyana uye kunyange vatongi vakasiyana-siyana vachabata kurwisana kwako kana kusavapo kwako kubva pamusangano nenzira dzakasiyana.
Mupepeti wako ndiye mutungamiri wako wakanaka pane izvi nyaya.
Chechitatu : Kana uchangobva kuona kuti musangano wagadzirirwa kwenguva iyo isingashandisi kwauri, taura nemhosva yako. Nenguva yakakwana yekufambisa, gweta rinogona kukwanisa kutarisana nemutongi uye kutamisa musangano kune imwe nguva kana zuva rinoshanda zvakanaka kwauri. Izvi zvingada kutumira chiziviso chechigadziriswa kune vane chikwereti. Kana kukakavadzana kwako kuchimuka nguva pfupi musati wapera musangano, somuenzaniso iwe unorwara, taura nemhosva yako pakarepo. Zvichida kuti gweta rinoda kupinda musangano wakarongeka kuti utsanangure mamiriro ako kumatirastii uye kukumbira kugadzirisa zvakare musangano.
Dzimwe kukakavadzana zviri nyore nyore kupfuura vamwe. Somuenzaniso, mutrasti angangodzokorora kurwara kamwe kamwe. Kune rumwe rutivi, mutrasti haasi kungonzwisisika kana iwe uchitaura kukundikana kuwana mwana muchengeti kana nguva dzakatemesa kushanda. Zvinofadza, vatrusti vanowanzonyatsonzwisisika apo nharo dzingakubhadhara mari. Somuenzaniso, vatrusti vanoratidzika kunge vanogona kubhadharwa zvakare kana iwe usina makiroti asina kubhadharwa emakwikwi erwendo rwakarongerwa kuti nyaya yako isati yaiswa.
Chii chingaita kana iwe uchiramba uchikakavadzana
Kurwisana kunopfurikidza kunosanganisira zviitiko izvo uyo ane chikwereti asingagoni kupinda pamusangano kana nekuda kwechirwere chisingagumi, kusavapo kwehutongi, basa rechiuto, kuvharirwa, kana kufa kwechikwereti kana nhengo yemhuri.
Nyaya idzi dzinoshandiswa zvakasiyana nedzimwe nzvimbo dzakasiyana. Mune zvimwe zviitiko, mutsigiri angabvumirana kubata nyaya yacho kwenguva yakati - kunyange mwedzi - kana purogiramu yemunhu ane chikwereti ichigadziriswa uye mutongi anogona kunyatsoziva kuti ane chikwereti achawanikwa pane imwe zuva. Vatongi vakabvumira vane chikwereti kuti vasvike nemumiririri (semudzimai akamira mumurume wake, kunyanya kana vaviri vakaroorana vakaisa mhosva yekubatana) kana kushandiswa kwesimba regweta.
Kana munhu ane chikwereti ari kunze kwehutongi, uye hazvirevi kuti achave ari muguta mune imwe nguva yakafanira, mutasitiri angabvumirana kubvumira musangano nefoni kana paIndaneti. Sezvo munhu ane chikwereti achifanira kupika asati agona kupa chero uchapupu munyaya yacho, zvingave zvakakosha kuti nyanari kana vamwe vashandi vane ruzivo rwekuita mhiko vanopinda munzvimbo iri kure.
Vanokweretesa kunze kwenyika vakashandisa zvivako zveAmerica Embassy kana consulate munzvimbo yavo.
Mumamiriro ezvinhu akaipisisa, vamwe vatongi vanobvumirana kubata musangano pamubvunzurudzo. Izvi ndezvinyorwa zvemibvunzo yakanyorwa yaunopa mhinduro dzakanyorwa zvakafanana nekubvunzurudza kunotorwa panguva yekuwana chikwata chemhosva yepamutemo.
Chii chinoitika kana iwe usingaratidzi pamusangano?
Chinhu chakaipisisa chaungaita hachisi kuratidzika pamusangano. Kana izvozvo zvikaitika musina tsananguro yepakutanga, mutrasti haakwanisi kukupa chero upi zvaunofunga mukugadzirisa zvakare.
Kunyangwe iwe wakambosangana nomutongi wacho nguva pfupi nezvekurwisana kwako uye ukawana kugadzirisa zvakare, mutsigiri anogona kunge akaisa chirevo kumatare kuti abvise nyaya yako. Chikonzero cheizvi chiri nyore. Maitiro ekudzinga haapiwanzo kupiwa pakarepo. Chirevo chacho chichagadzirirwa kunzwa pamberi pomutongi pane zuva rinouya. Kuva nekufambisa pane faira kuchakurudzira kukuvimbisa kuti iwe unopinda musangano wakagadziriswa uye uchakurumidza kubvisa kushandiswa kana iwe usingaiti. Kana iwe ukazadzisa zvaunosungirwa, mutrasti achangobva kubvisa chikumbiro chokurega.
Dzidza chaunofanira kutarisira paunosangana nevatengi
Muhurukuro yaunofanirwa kuziva pamusoro pekusangana kwako kweCreditors, tinotaura pamusoro pezvinodiwa muBhangeruptcy Code kuti munhu wese ane chikwereti anopinda musangano nemutongi. Takakurukura zvakare zvatinotarisira pamusangano uye mibvunzo ipi yaungabvunzwa. Ona:
Chitsauko 7: Chii Chinoitika Pamusangano Wevatengi
Chitsauko 13: Chii Chinoitika Pamusangano Wevatengi
Heano mamwe mavhidhiyo aungawana anonakidza:
VaKwereta Mutambo
Zvaunotarisira muChitsauko 7 Musangano weVatengi
Chii Chinoitika Pamusangano Wevatengi
Yakarongwa naCarron E. Nicks munaJanuary 2018