Sarudzo dzekubhadhara chikwereti chako
Kana uchida kubhadhara chikwereti chako, unofanirwa kuita zvisarudzo zvakaoma. Chokutanga chazvo ndechipi chikwereti chekubhadhara chikwereti chaunosarudza. Kune humwe hutano uye hutano hwechinhu chimwe nechimwe uye iyo inonyanya kukubatsira iwe inobva pane chikwereti chako, mari yako, mari yako yemwedzi, kukosha kwekwereti yako, uye chikwereti chakadii chaunoda kubhadhara. Heano zvikwereti zvitanhatu zvekubhadharwa chikwereti kuti uzvifungisise.
01 Chengeta Zvako
02 Consumer Credit Counseling
Chikwata chekupa mazano chekubhadhara chinowanzoshanda mukati mebhajheti yako kuti uwane nemari yekubhadhara mwedzi wega wega yako yose isina chikwereti. Chikwata chekupa mazano chikwereti chichakuisa pane chikwereti chekuita chikwereti (DMP) icho chinowanzobatanidza kubhadhara kuripo kwecheki kune umwe neumwe wevana vako chikwereti uye chidimbu chechikwereti. Kubhadhara mari yechikwereti kunotora anenge makore matatu kusvika mashanu. Iwe haubvumirwi kushandisa makadhi ako ekwereti iwe uri paDMP. Kunyange zvazvo mvumo yako yechikwereti ichagadziriswa kuratidzira kuti iwe uri muchikwata chekupa chikwereti, hazvikuvadzi chikoro chako chekwereti.
03 Kubhadhara Chikwereti
Kudyidzana kwematokari kunosanganisira kubatanidza zvikwereti zvako zvose mubhadharo yemwedzi mumwe chete. Dzimwe mhando dzekukweretesa chikwereti zvirongwa zvinosanganisira chikwereti chitsva chekusimudzira chikwereti chakashandiswa kubhadhara chikwereti chako chisina kuchengetedzwa. Izvi zvinoda kuti iwe uve nechikwereti chakanaka chikwereti kuti uwane chikwereti chitsva. Mamwe mapurogiramu anoshandisa zvakadai sekubhadhara vatengi chikwereti kuburikidza nekubatanidza kubhadhara kwako kwemwedzi.
04 Debt Settlement
Kana ukabudirira, chikwereti chekugadzirisa chikwereti chinogona kuderedza chikwereti chako chose kusvika kusvika 40% kusvika 60%. Iwe unobhadhara mari yemwedzi wepamusoro kune imwe chikwereti chekugadzirisa chikwereti, uyo anotaurirana nehomwe yemari yekubhadhara iri pasi pemari yakakwana yaunokwereta. Kana chikwereti chekugadzirisa chave chasvika, chikwereti chekugadzirisa zvakasimba chinoshandisa mari yawave uchitumira kunobhadhara kugadzirisa. Chikwereti chekubhadhara chinoda kuti uve shure kwekubhadhara kwako. Hapana chibvumirano chako chokuti vatengi vako uye vatokweretesi vatori vanobvuma kugadziriswa. Iwe unogona kana kuti usakwanisa kuwana mari yekubhadhara kana kugadzirisa kusina kubudirira.
05 Chitsauko 7 Bankruptcy
Chitsauko 7 kubhadhara ndiyo nzira yekugamuchira rubatsiro rwakakwana kune zvose kana zvimwe zvezvikwereti zvako zvisina kuchengetedzwa. Iwe uchafanirwa kupfuura nzira yekuedza uye uende kuburikidza nemari yekupa chikwereti kuratidza kuti hauiti mari yakawanda yekubhadhara chikwereti chako iwe pachako. Zvichienderana nemutemo wenyu wehurumende, ungafanira kusiya zvinhu zvako kuti ubhadhe chikwereti chako. Izvi zvinosanganisira musha wako kana motokari kana iwe uchienzanisa. Yakawanda yechikwereti chako chisingaverengeki chinogona kubviswa kana kubudiswa, pakubhadhara. Asi zvakadaro, rubatsiro rwevana, mitero yemitero, uye zvikwereti zvevadzidzi hazvigone kushandiswa.
06 Chitsauko 13 Bankruptcy
Chitsauko 13 kubhadhara chikwereti chekubhadhara iyo inokubvumira kubhadhara chikwereti chako mukati memakore matatu kusvika mashanu. Chero chikwereti chakasara mushure mekunge Chitsauko 13 chekufa kwacho chazadziswa chichasunungurwa. Iwe unogona kuisa Chitsauko 13 kubhadhara kana uchiita mari yakawanda kuti uise Chitsauko 7 kana kuti iwe une zvinhu zvauri kuda kuchengeta. Iwe unofanirwawo kuenda kuburikidza nechikwata chekubhadhara chikwereti kuisa Chitsauko 13 kubhadhara. MuChitsauko 13, unofanira kubhadhara rubatsiro rwevana uye alimony, zvimwe zvikwereti zvemitero, chero mubhadharo wakakosha kune vashandi, imba yako yenguva dzose uye motokari yemari, uye mari ipi zvayo inobhadhara iwe paimba yako nemotokari.