Kuramba Muchiita Zvimwe Zvimwe Zvinogona Kuitika Nenguva Isipi kana Kuzvipira
Kunyange zvazvo kugadzikana kwekutsvaga kwakagadzirirwa kuchengetedza vatengesi kubva pakuita zvisakanaka, dzimwe nguva vanoita. Izvi zvinogona kuitika nekuda kwezvikonzero zvakasiyana siyana, asi kazhinji zvinowanikwa nekuda kwemamiriro ekuronga nguva kana kusaziva mutemo panzvimbo yekuedza nemaune kukanganisa code bankruptcy.
Kana gwaro rekusungirirwa richiiswa, iyo inowanzogara yakatanga kushanda nokukurumidza, asi dzimwe nguva zvinotora vhiki kana kupfuura kune chikwereti kuti uwane mhaka. Vamwe vanokweretesa vanoona pakarepo kana vakanyoresa kero ye email nekatongi uye iyo inokwanisa kukwirirana nemukwereti nekunyoresa mubheji rekudarika. Vamwe vatengi vechikwereti vanobhadhara kumabasa akaita seBanko, iyo inounganidza mashoko pamusoro pekugadzirisa matambudziko uye inoita kuti iwanike kune vane chikwereti kuti vaenzanise nehupenyu hwavo pachavo. Kana zvisina kudaro uyo ane chikwereti achangodzidza nezvenyaya yebhengi iyo inogamuchira chiziviso kubva kumatare kana kana ane chikwereti achizivisa chikwereti pachake.
Iyo pepa repaziso ine ruzivo pamusoro pemigumisiro yekugara uye zviito uyo akakwereta anoregererwa kutora. Heino muenzaniso wezverayenzi yakatumirwa nedare rekucheka mune imwe nyaya yapfuura yakaiswa nekambani. Pajiji yechipiri yezvero, iyo yekugara yakatsanangurwa inotsanangurwa muchikamu "Vatengi Vanokwana Haangatori Zvimwe Zviito."
Kana nguva ichinyanya kukosha, gweta rekwereti kazhinji anoudza vamwe vatengesi nguva pfupi mushure mekunge nyaya yacho yaiswa. Izvi zvinowanzoita kuti musiyano wose paunenge uchiedza kudzivisa kudzorerwa kana kuti kufanirwa kubva pakuitika.
Munguva yenguva yekuvhara pakati pekuiswa kwechiitiko uye nguva iyo mukwereti anogamuchira chiziviso. hazvisi zvachose zvisingawanzoiti kune ane chikwereti kugamuchira tsamba dzekuunganidza, zvinyorwa zvinoda kubhadhara uye kunyange nhare dzefoni kubva kune vane chikwereti. Kunyange zvazvo zviito izvi zvichinyatsopesana nekutsvaga kwekutsvaga, hazviiti zvekugadzirisa nokuti mukwereti anogona kudana kusaziva nyaya yacho.
Kuti uite chimwe chinhu, iwe uchafanirwa kuratidza dare kuti uyo ane chikwereti akaita nemaune. Ndiko kuti, chikwereti chinofanira kuziva kuti chiito chiri kutora chinorambidzwa. Kana mumwe akakwereta aziva nezvechiitiko chacho, kana kuti anofanira kunge akadzidza nyaya yacho kubva kumashoko ehurumende kubva kumatare kana kuti zvisingazivikanwi kubva kune ane chikwereti, gweta rekwereti kana zvimwe kubva kune mamwe mabhuku semashoko ezvenhau, mukwereti ane mhosva yekuti Basa rokuunganidza basa rakarambidzwa, uye uyo ane chikwereti ane mhosva kune chero kuputsa kunoitika.
Vakawanda vanokweretesa, kunyanya zvikwereti zvikwereti zvakadai semabhanki, makambani ekadhi rechikwereti uye vatengesi vakuru, vane munzvimbo dzinofanira kudzivirira mafoni, tsamba uye zvinyorwa kana mumwe akakwereta anodzidza nezvekuiswa kwechiitiko chacho.
Izvi hazviiti nguva dzose. Zvimwe zvikwereti, kunyanya maduku emabhizimisi, amai neshamwari vangasanzwisisa maitiro ekutsvaga kwekuita mabasa uye vanogona kuramba vachiunganidza kusanganisa pasinei nokuwana chiziviso.
Kushungurudza avo vashandi vanokurudzira vatengi vavo kuchengetedza ruzivo rwavo rwekutsvaga zvinyorwa, kusanganisira nhamba yenyaya uye zita redare umo nyaya yacho inosvitswa, kupa vanokwereta vanodana. Nenzira iyo, kana kudanwa kuri kuenderera mberi, vane chikwereti vanogona kutongerwa mhosva kuburikidza nemunhu ane chikwereti mukuputsa kwekutsvaga kwekugara.
Chirango chekupopotedzana nekugara
Kana munhu akatora chikwereti achikanganisa kugadzikana kwekugara, chirango chinoenderana nemamiriro ekuputsa uye kana chakaitwa nokusazvidza nemaune kubhadhara mari. Kana kukanganisa kunosanganisira chiito chinopesana neimba, sekudzorera kana kufanirwa, dare rinenge ruchida kuti nzvimbo yacho idzoserwe kune akakwereta uye ane chikwereti akabhadharwa chero kupi kwekukuvadzwa kunokonzerwa nekudarika.
Zvinokanganisa zvinogona kusanganisira kunze kwe-muhomwe mari yekuvhara zvinokuvadza, sekukwereta motokari kuti uende kushanda mushure mokunge motokari yako ichitsvaga. Inogonawo kusanganisira vatongi vemari yako uye mari yekutora chirevo pamberi pedare, uye kunyange kurwadziwa, kutambura uye kushushikana mupfungwa.
Zvaunofanira Kuita Paunofungidzira Mumwe Muchengeti Akashatisa Izvo Zvokugara
Kana iwe uchifunga kuti munhu ane chikwereti angangodaro anotyora zvakasara, taura naye gweta rako pakarepo. Munhu ane ruzivo anopomerwa gweta achaziva kana mutauriri wacho asina mhosva uye asingazivi kana kukanganisa nemaune kunokodzera kutsvaga.
Iva nechokwadi chekuti kugara kwekutsvaga kuri kushanda.
Iwe haugone kuziva kana uyo ane chikwereti akanganisa kupedza kunze kwekuti iwe unonyatsoziva kuti kugara kwakagadzirwa. Dzimwe nguva hazviitiki kana nyaya yacho yaiswa, uye dzimwe nguva inomira pamberi pekunge nyaya yacho yapera.
Chokutanga, cherechedza mupfungwa kuti kugadzikana kwekuzvinyima kazhinji, asi kwete nguva dzose , kunotanga kushanda kana nyaya yacho yaiswa. Kana iwe ukaisa gwaro rekare risati rasvika raive richimirira mugore rimwe chete risati rasvika ikozvino, mhosva yekugara yakachengetedza ichagara kwemazuva makumi matatu kunze kwekunge iwe uchikumbira dare kuti riwedzere. Kana iwe wakanga uine maitiro maviri akamirira mukati megore iroro, kugara hakubvumi kana nyaya yacho yaiswa. Iwe unofanirwa kukumbira dare kuti risire iyo.
Uyewo, iyo inongoramba yakasara inogona kuparara kana kusimudza apo iwe uchiri kubhadhara uye usati wawana kubudiswa kwako. Dzidza zvakanyanya paInguva Yakadini Yokugadzikana Kuramba Iripo?
Ane chikwereti akagamuchira chiziviso chekubhadhara?
Kana iwe wakangotanga kubhadhara chikwereti, uye iwe unogamuchira tsamba kana mutemo unoda kubhadhara kubva kune chikwereti, unogona kazhinji kufunga kuti yakatumirwa musati atora chikwereti chakatambira chiziviso chepamutemo chekunyora. Kana iwe uchiramba uchigamuchira zviziviso kubva kumunhu ane chikwereti chimwe chete mushure menguva inenge yakakodzera, vhiki mbiri kana zvakadaro, tinokurudzira kuti uuye nayo kumuteereri wako kuitira kuti gweta rikwanise kuonana nemunhu ane chikwereti kuti ave nechokwadi chokuti ruzivo pamusoro pekodzero yako rwakanyatsove yakanyorwa.
Chengetedza nhamba yako yenhamba uye zita redare (somuenzaniso, Bankruptcy Court yeNorth District yeTexas, Dallas Division), uye zita rako gweta uye nhamba yefoni inobatsira kuitira kuti iwe unogona kupa izvo kune vanokwereta vanozokutora nefoni . Kana ukangovaudza kuti iwe wakaisa chikwereti, vane kodzero yekukumbira mari ye bankruptcy, asi havana kodzero yekuramba vachikumbira kubhadhara. Chengetedza ruzivo rwemamwe manyore ako unogamuchira kubva kune uyo ane chikwereti uye iva nechokwadi chekuudza gweta rako revakwereta kune wawakapa iwe ruzivo rwako rwekubhadhara.
Wakatora chikwereti akadzorerazve pfuma yako mushure mokunge chikwereti chebhengi chakaiswa?
Kana pfuma yako ichidzoka, taura nemhosva yako pakarepo. Vazhinji vasiri chikwereti vachadzorera dzimba kana kuita kuti imba yacho iwane kamwechete kana vadzidza kuti mhosva yekubhadhara yakaiswa. Kana vakaramba, vanogona kubatwa vachizvidza dare, vachibhadhara uye vachibhadhara kukanganisa kwekuzvikudza kwavo.
Iwe unogona kuwana zvakawanda pamusoro pezvinoitika apo munhu akatora chikwereti anotyora oga-zvoga uripo Uri Uri Creditor here? Usaita Izvozvi MuBhengruptcy Case .
Tarisa mamwe mashoko akazara pamusoro pekuti chii chinongoramba chiripo chinogona kuita pa The Automatic Stay: Iyo Inokudzivirira Sei Paunoshandisa Bankruptcy .
Nokuda kweizvi kana nguva yekugara yakashanda ichibudirira, verenga Kusvika Kwenguva Yakadini Kuramba Uchingopedzisira?
Yakasunungurwa naMay 2017 Carron Nicks