Kana ukasarudza kuisa gwaro rekugadzirisa, zvisinei nokuti iwe unopedzisira uripi, unenge uine imwe yemigumisiro miviri: kubudiswa kana kubviswa.
Vanhu vazhinji vanowira mhosva yekuputsa vane chinangwa chimwe mupfungwa: vari mune mamwe mararamiro ekutambudzika uye vanoda kubvisa kudzvinyirira uku nokubudisa zvikwereti zvavo. Kana zvikwereti zvikasunungurwa, firimu, iyo inonzi "ane chikwereti" mumatare ebhengi, haichazovi nemhosva yemunhu pachikwereti. *
Chitsauko chimwe nechimwe chekodhi yekodzero ine mitemo yega yekuwana kubudiswa. Semuenzaniso, muChitsauko 7 zvakananga kubhadhara , munhu ane chikwereti anofanira kuisa purogiramu yakakwana uye yakarurama, achienda kumusangano weChishanu 341 wevakweretesi, vanopinda mari yekuchengetedza mari, yekutengeserana isiri iyo pfuma uye pamwe nekushandira pamwe nematirastii, uye litany zvimwe zvinhu. Muchiitiko cheChitsauko 13 chekubhadhara, vatengesi vane zvimwe zvinotarisirwa zvinowanzotarisana nekukwereta kwedzimwe mwedzi, mwedzi yakareba hurongwa huchaguma, zvikwereti zvipi zvingabhadharwa kuburikidza neurongwa.
Kamwe chete izvo zvese zvinodiwa zvinosangana, dare rinopinda murairo kubvisa chikwereti chemunhu ane chikwereti.
Asi chii chinoitika kana munhu ane chikwereti asingakwanisi kuita zvose zvaanoda? Chii chinoitika pakubudiswa? Mhinduro yakajeka iyo kubudiswa hakupindi nedare. Pane kudaro nyaya yacho inodzingwa uye yakavharwa.
Asi zvinhu zvose zvinodzokera nenzira iyo yaive isati yatongwa nyaya yacho?
Zvimwe zvinhu zvinoita uye zvimwe zvinhu hazviiti. Ngationei zvishoma.
* Chikwereti hachisi zvachose chinopera. Semuenzaniso, kana uyo akakwereta akapa chikwereti chekuchengetedzwa kwezvokuchengetedza, mubhadhati achange achiri nekodzero yekutevera chikwereti kuti agutse chikwereti. Saizvozvowo, kana kune anokwereta kune imwe chikwereti pane chikwereti, uye imwe chete yefaira kukanganisa, munhu ane chikwereti achava nekodzero yekutarisa kune asingakwereti kugutsa chikwereti. Kunyange zvakadaro, pane chimwe chikamu apo nyaya yeChitsauko 13 uye vane chikwereti vari mune imwe nzvimbo yehupfumi yenyika. D
Kudzokorora Chikamu Chekuita nemitemo yekudzivirira
Kune chikamu chikuru, kukonzerwa kwekuyerera kwakaita sokuti nyaya yacho yakanga isati yaiswa. Vanokwereta vanogona kudzokera shure kuunganidza zvikwereti, kutanga matanho ekudzivirira kana kudzorerazve, kupfuurira nemhosva.
Kana iyo kubhadhara ikamira kufanirwa, mubhadhadzi wekutengesa haafaniri kutora pakarepo apo yakasiyiwa, kazhinji kutengesa iyo pamba pamatanho ematare. Ichafanirwa kutanga utambo zvakare.
Zvimwe zvikwereti zvinogona kutora pavakasiya. Munhu anokwereta motokari anogona kubudisa foni yekudzorerazve. Munhu ane chikwereti anogona kupfuurira mhosva yaakambomira apo kubhadhara kwakapfuurira.
Zvimwe zvinhu zvinobatwa zvakare, zvikurukuru nguva dzakare. Nemhaka yokuti iyo inongoramba iripo, inotanga kushanda kana nyaya yacho yaiswa, inodzivirira chikwereti kuti vasatora matanho kuti vawane chikwereti chavo kunze kwekushungurudzwa kwenyika, misimboti yakafanana nemitemo yekuderedza inosungirirwa. Mune mamwe mazwi, nguva iyo kubhadhara yakazaruka uye kushandiswa kwekutsvaga kwakange kuri kushanda hakuzoverengwi kumunhu ane chikwereti nokuda kwechinangwa chokugadza kana mutemo wekukundikana wapera.
Izvi zvinogona kuverengerwa dzimwe nguva dzakare, zvakare, kufanana nemagumo ekuti apindure mhosva .
Nzira Yokubviswa Sei?
Kukundikana kuisa mapepa
Kukundikana kuisa mapepa akakodzera kunotungamirira kumabasa akawanda ekudzingwa. Kune mapeji akawanda emapurogiramu uye zvinyorwa zvinoratidza mufananidzo wemari wemutengi, kusanganisira mari, mari, zvikwereti, zvinhu uye kutengesa kwemari yapfuura. Mukuwedzera, uyo ane chikwereti anofanira kunge akaisawo mutero wemitero kwemakore mana apfuura uye firidzo inodzoka gore roga roga ari muchengeti yebhengi (yeChitsauko 13 nemafuta) uye anopa mubhadharo stubs. Dzimwe nhengo dzedare dzinoshandiswa dzinoshandisa mapepa avo zvaidiwa kuwedzera kune izvo zvakanyorwa mumutsetse we bankruptcy.
Zvinyorwa zvinogona kuiswa panguva iyo nyaya yacho yaiswa, kana inogona kuiswa mumazuva 14 mushure mekunge nyaya yacho yaiswa. Mumamiriro ezvinhu chaiwo, nguva yakatarwa inogona kuwedzerwa kunze kwemazuva 14. Saka, pane zvikonzero zvishoma zvekuti mhosva yemunhu ane chikwereti ichidzingwa pamapepa.
Uye zvakadaro zvinoitika zuva nezuva.
Svetai Chikamu 341 Musangano
Vanokweretesa vanodiwa kuti vauye kumisangano yevakwereta , iyo inonziwo musangano weChitsa 341, mushure mechipiri chebhengi yebhengi inorayira iyo. Kunyange zvazvo inonzi musangano wevakwereta, mumazuva ano kubhadhara tsika tsika dzinokwereta haigoni kupinda. Inopa mukana weti mutsigiri kuti ajekese chero chipi zvacho mumapepa ane chikwereti chinomutsa mubvunzo. Musangano unoitwa pasi pemhiko, uye mutero anonzi ataure chokwadi. Munhu ane chikwereti anofanira kupa ruzivo, kazhinji hurumende yakabudiswa kadhi yekuzivikanwa seiri cheti yekufambisa uye kadhi Social Security.
Nguva uye zuva remusangano we 341 rakagadzwa nedare. Kana munhu ane chikwereti asingakwanisi kupinda kune chimwe chikonzero, musangano unowanzoenderera mberi kune rimwe zuva. Musangano unogona kuunza dambudziko kune avo vanorwara, kunze kwenyika kana kuti vasungwa uye havagoni kupinda kune mumwe munhu. Matare akashandura nyaya idzodzo kuburikidza nekushandisa terefoni kana mavhidhiyo musangano kana zvisingabatsire kuti musangano upfuurire kusvikira muteresi awanikwa.
Kukanganwa Kuita Kwemari Kwekushandisa
Mushure mekunge nyaya yacho iiswa, mumwe nomumwe ane chikwereti anofanira kupedzisa mari yekugadzirisa mari asati nyaya inogona kubviswa. Iyi dzidzo inowanikwa mumunhu, nefoni kana paIndaneti, uye inopiwa nevakawanda vanopa. Iwe unogona kuwana ruzivo rwakawanda pamusoro penyaya yeBanruptcy's Debtor Education Requirement .
Kana uyo ane chikwereti asingakwanisi kutora mari yekugadzirisa mari, kana kukundikana kuisa chidziro chekupedzisa mushure mekunge aisa dare racho, nyaya yacho ichadzingwa kunze kwekusunungurwa kwacho kuchipinda. Mushure mezvo, zvichave zvakakosha kuti munhu ane chikwereti aise mvumo nedare rinokumbira kuti nyaya yacho ibudiswezve nechinangwa chekuisa chikwangwani uye kupinda mukati kwekurayira. Nokuda kweizvi, dare rinopikira mari yekutsvaga. Mukuwedzera, gweta rekwereta angangodaro aripa mari, zvakare. Asi pasina chikwata chemari chekutarisira mari, nyaya yacho ichasunungurwa zvachose pasina kusunungurwa uye vane chikwereti vane chikwereti havazobvumirwi kutora matanho kuti vatore chikwereti chavo.
Kurambidzwa, asi Nzvimbo Ienda kuTrasti
Chitsauko 7 nyaya inosanganisira nzira mbiri dzakasiyana. Yokutanga inobvunza kana munhu ane chikwereti achizobviswa chikwereti. Mune imwe nzira, mutrasti anotungamirira nzvimbo inogona kutengeswa kuti igutse vatengi. Pasinei nokuti pane imwe nzvimbo inogona kutengeswa inobva pakuti kana munhu ane chikwereti ane chimwe chinhu chisina kubhadhara. Munhu ane chikwereti anobvumirwa kuchengetedza imwe nzvimbo yeimba iyo mutrusti nevatengi havagoni kubata. Izvi zvinoregererwa pfuma . Chero chimwe chinhu chisingaregereri. Mutrasti anogona kutora zvisizvo zvisiri izvo, kuisa (kutengesa), uye kugovera zvakapiwa kune vane chikwereti vane zvikwereti zvinoshanda.
Zvinokwanisika kuti muteresi anogona kutora nhaka yeimba yaanokwereta isiri iyo yakasununguka, asi nyaya yacho inodzingwa nekuda kwezvikonzero zvisingatauriki neavo vane chikwereti. Munhu ane chikwereti aizorasikirwa neimba uye achiri kutora kuwana kubatsirwa kwekubudiswa. Iyo yakaipisisa yepasi rose.
Chitsauko 13 Kurambidza Matambudziko
Payment Plans Izvo Zvisingaitiki
Chitsauko 13 matambudziko akaoma kunzwisisa kupfuura Chitsauko 7 matambudziko. Vanoda kuti chirongwa chekubhadhara chiiswe uye chinogamuchirwa nedare. Isati yatenderwa, munhu ane chikwereti anofanira kuratidza kuti zvikwereti zvose zvinodiwa kuti zvibatanidzwe zvakapiwa uye kuti urongwa hunobvira hunofunga nezvemari yemari uye mari. Kazhinji anokwereta achaisa urongwa nemari yezvikwereti zvevakwereta, uye urongwa huchafanirwa kuchinjwa mushure mekunge vatengi vatora fungiro dzavo. Izvi zvinongoitika mushure mokunge zvibvumirano zvikaiswa kuti uyo ane chikwereti achaziva kuti achazobhadharwa sei kubhadhara nemari yake yekubhadhara.
Kana chirongwa ichi chisingaitiki, uchapupu hucharamba. Pasina chirongwa chinogoneka, nyaya yacho ichadzingwa.
Kukundikana Kuita Mitsara
MuChitsauko 13, munhu ane chikwereti anotarisirwa kubhadhara pasi peurongwa hwekubhadhara kune mutsigiri uyo anopa zvipo izvozvo kune vane chikwereti vane maitiro akanaka. Asi ane chikwereti anodikanwawo kuti achengetedze iye zvino paimba yake kubhadhara, mitero yemitengo, mitero yebhadharo uye mishonga yekuchengetedza pamba sekuchengetedzwa kwekuchengetedza uye kubatsirana kwevana . Kana uyo ane chikwereti asingakwanisi kuchengetedza chero ipi zvayo kubhadhara ikozvino, dare richabvisa nyaya yacho chero nguva panguva iyo, kubudiswa.
Serial Cases
Apo Chitsauko 13 nyaya ichidzingwa, hazvisi zvisizvo kune akakwereta kutanga nharo zvakare nekuisa chitsauko 13 chechipiri. Izvi zvinowanzoitika kana munhu ane chikwereti ane kukanganisa mune mari uye haakwanisi kubatwa pamusoro pemari yaidiwa. Kana munhu ane chikwereti akaisa chikwata chechipiri mukati megore rekudzingwa kwechikwata chekutanga, iyo inongoramba iripo inoshanda chete kwemazuva makumi matatu ekutanga. Kana munhu ane chikwereti achida kuzvinyima zvake kuti arambe achienderera mberi, anofanira kuisa chirevo kuti awedzere kubatana nedare rinowanzoda kuti munhu ane chikwereti apupurire panzeve kuti anzwisise kuti sei nyaya yekutanga yakabviswa uye nei chiitiko chechipiri chichibudirira.
Kana uyo ane chikwereti akave nematambudziko maviri akamirira panguva yegore risati rasvika, iyo inongoramba iripo haigoni kushanda. Munhu ane chikwereti anoda kuitika kwekugara achafanira kukumbira dare kuti aite kuti igare. Zvakare, munhu ane chikwereti achafanirwa kupupurira uye kutsanangurira kudare kuti sei maitiro maviri akadzingwa mukati megore uye nei chiitiko chitsva chichabudirira.