Kuti kubhadhara kuchaita sei kumhan'ara kunoenderana zvikuru nemhando yekutongwa iko kana kuti rudzi rwechikwereti runoumba hwaro hwekutevera. Izvo zvinoenderana nokuti iwe wakaisa sutu kana mumwe munhu akaita. Hezvino izvo zvaunoda kuziva pamusoro pokuti sei kubhadhara kushanda uye izvo zvinogona kuitika kune iyo mhaka mumatare ekudarika.
The Automatic Stay
Kuparadzana kunonyanya kushandiswa kunounza kurongeka kune mhirizhonga.
Iyo yakagadzirirwawo kupa nharaunda yemutambo kutamba kuitira kuti vatengi vane simba vangave vasingakwanise kukurira vaduku vashoma vanogadzirisa zvikwereti. Kuti zvizadzise zvinangwa izvi, kadhi yebhengi inosanganisira chinhu chakasimba. Kana iwe ukaisa chikwereti chekwereti, murairo unosvika pakuita kuti mapurisa anotora chikamu chekuita basa. Iko kunonzi inotsvaga kugara. Ichi chirevo chinodzivirira vatengesi kubva pakuita chisarudzo chaizoita kuti nyaya irege kusakosha kana isingaiti. Vanokwereta vanofanira kumira kutumira foni uye kutumira tsamba dzinoda. Vanofanirawo kumira zviito zvekufananidzira uye kuedza kudzorerazve mari. Asi dzimwe nguva hazviitike pakarepo .
Munhu ane chikwereti anoda kuenderera mberi nekugadzirisa chiito anofanira kubvunza dare rekudarika kuti asimudze kugadzikana kwega . Izvozvowo ndezvomunhu anotora chikwereti uyo anoda kutanga mutongo kunze kwenyaya yebhengi mushure mokunge bhengi rakapiwa.
Dare rinogona kurayira kuti kuramba kuri kusimudzirwa mune dzimwe mamiriro akaoma, asi mushure mekunge mutongi webhengi ave nemukana wekuongororazve nyaya yacho kuti aone kana chiito ichocho chichiita zvinodiwa nemunhu ane chikwereti kana ane chikwereti.
Kana mhosva ikamirira, mapato anogona kana kuti haafaniri kutomisa sutu.
Mimwe mitongo haina mhosva yezvikwereti. Mune zvimwe zviitiko, kuva nedare rekunze riripo rinopfuurira nyaya inogona kuve yakanyatsobudirira uye inogona kubatsira basa redare rekudarika. Heano mamwe maitiro akasiyana-siyana emhosva uye kuti mhosva ye bankruptcy inovakanganisa sei.
Unganidza Chikwereti
Hazvishamisi kuti vatengi vanogona kunge vane hasha pakuunganidza zviyero zvakapfuura. Chimwe chigadziro mu arsenal yavo ndiyo mhaka.
Uyo ane chikwereti uyo anokwidza mhosva ari kutarisira kuti dare richapinda mutongi mukufarira kwayo, kugadzirisa chero mibvunzo pamusoro pemhosva yako uye nezvemari yaunokwereta. Murairo unopa mutero wekutonga mamwe masimba ekuunganidza ayo uyo ane chikwereti asingambove nawo. Somuenzaniso, munhu ane chikwereti angashandisa mutongo iwoyo kutora mabhengi ebhangi yako kana kugadzirisa mubairo wako (mune dzimwe nyika.) Kutonga kuchaitawo sekunopesana chero ipi neipi yeimba yako yaunayo.
Nemhaka yokuti mutongo uyu unobata chikwereti, nyaya imwe chete uye hutongi sematare ebhengi, iyo inongoramba iripo inomisa mhosva yekutora chikwereti. Mumwe wemapato achaisa izvo zvinowanzozivikanwa se "Suggestion of Bankruptcy" muchikwata chokuunganidza. Izvi zvinoudza mutongi mumusana wekusungirirwa kuti mhosva ye bankruptcy iri kumirira.
Mutongi mumusasa wekusunganidza achagumisa basa rose muchikwata chekuunganidza, zvisati zvasvika kusvikira dare rebhengi risvika pakubudiswa , izvo zvinoratidza dare iri mumusasa wekuunganidza kuti bhora iri ikozvino mudare rekudarika, kureva. Dare rehurumende rinowanzotora chikwereti kana munhu ane chikwereti anogamuchira kubudiswa mumatare ekudarika.
Utongi hweKurongwa Kwekutsvaga Mabasa
Nyika dzakawanda dzine nzira yekutengesa imba inoshandiswa isingadi kuti chikwereti chipe mhosva, asi mune dzimwe nyika kana mune mamwe mamiriro ezvinhu, uyo anokweretesa anofanira kuwana chibvumirano kubva kumatare kuti atange kutora pfuma. Kuisa chikwereti chekugadzirisa chinokanganisa kushandiswa kwekubatsira. Ichagumisawo kutonga kwekutonga.
Kurambana, Mutero wevana, Kutsigirwa kwevana, Alimony, uye Zvimwe Zviitiko zveMumba
Maitiro mazhinji emitemo yemhuri haazofaniri kugadziriswa apo gwaro rekubhadhara rakaiswa.
Vatongi vematare edzimhuri vakawanda vachaisa mhosva kumubati kusvikira mumwe wemapato akawana mutemo kubva mudare rekudarika (rinowanzoti "kunyaradza" kurongeka) kuve nechokwadi kuti kufambira mberi mumatare emhuri zvakakodzera. Dare rekudarika harina hanya kana kuti harina hanya nehukama hwehukama uye haringambofungidziri kupindira nekuparadzwa kwechato kana nekodzero dzevabereki.
Dare redzimhosva remhuri kutsigirwa kwevana kana kuti mirayiridzo yeanmony inogona kukanganisa kukanganisa kwemhosva nekuda kwezvinoitika kune ane chikwereti chemari. Dare rinopedzisira kuvharidzirwa rinowanzochengetedza hutongi pamusoro penzvimbo yekugadzirisa dzimba kuti uone kuti mari yemunhu ane chikwereti haisi kupera nekuda kwomunhu ane chikwereti - mudzimai kana kuti anenge achangobva kuva muroori. Asi, kunyange zvakadaro, matare edzimhosva haawanzobvunzurwi neimba yekugara kunze kwekuti iri kunze kwekuti whack.
Mwana anotsigira chikwereti (kazhinji mumwe mubereki kana sangano rehurumende) anozviisa pasi pekutsvaga kugara semumwe munhu ane chikwereti. Pane musiyano, zvakadaro. Chero zvikwereti zvaunokweretesa kumubatsiri wemwana hazvizobudiswi mumhosva yebhengi. Kana iwe ukaisa gwaro reChitsauko 13 chekubhadhara , iwe uchafanira kubhadhara chikwereti chako chekare chakakosha pamagumo ezvirongwa zvitatu kusvika kune mashanu. MuChitsauko 7 nyaya , chikwereti chichapona kubhadhara. Munhu ane chikwereti anogona kugadzirisa zvinhu zvekuunganidza mushure mokunge dare rekudarika richipinda.
Izvozvowo zvinotsigira kutonga-kwakarayirwa kuwanikwa pamwe nekugadzirisa matambudziko ekugadzirisa. Inogonawo kuchengetedza chokwadi kune zvizhinji zvizhinji zvekugadzirisa zvibvumirano. Iwe unofanirwa kubvunzana nemudzidzi wekodzero yekugadzirisa nyaya yekukurukurirana kukanganiswa kwemhosva yebhengi pane chero zvivako zvekugadzirisa zvivako.
Kodzero Kutevedzera uye Nuisance Zviito
Pane dzimwe nguva, hurumende yepanyika ichaona zvakakosha kuisa mhaka yekusimudzira nheyo dzekuvaka kana dzokuvaka kana kubvisa nuisance dzakadai sedzimba dzakasiyiwa, zvigaro zvepamusoro, uye imbwa dzine ngozi. Dare rekudarika richaita nguva dzose richibvumira zviito izvi kumisa mitemo kana kubvisa nuisance. Izvi zvinokodzera zvose zvinosanganisira simba rehurumende rehurumende, uye riri munzvimbo yekuchengetedza utano uye hupenyu hwevanhu. Dare rinogona kupa mari, asi zvisinei, zviito izvi zvishoma kana kuti hazvina chokuita nekukwereta kwechikwereti, kunyange zvazvo zvingatungamirira kune chikwereti chitsva kuburikidza nemunharaunda kumatare edzimhosva, kugadzirisa, kuchenesa, nezvimwe zvakadaro.
Kubviswa
Mitemo inokosha ichashanda kana mhosva yacho ichitsvaga kubviswa kwako. Mune dzimwe nyika, dare rekudzingwa rinobudisa bhuku redzimba kune mwene weimba. Izvi zvakafanana nekutonga, uye inopa muridzi weimba dzimwe kodzero, sekodzero yekubvisa zvinhu zvako kubva kune imwe nzvimbo uye kuchinja kuvhara. Kana dare iri risati rabudisa mabhuku edzimba iyo inongoramba iripo inogumisa kubviswa kunze kwekuti muridzi weimba anoratidza kuti kushandiswa kwezvinodhaka zvinoshandiswa kwemishonga kunobatanidzwa kana kuti pfuma iri pangozi. Kana dare rakabudisa iyo nyora usati waisa chikwereti chako, bankruptcy haizokudziviriri kunze kwekuti nyika yako ine mitemo inokubvumira kuti uwane mari yako.
Criminal Cases
Kungofanana nemitemo yekuteerera uye kukanganisa, zviitiko zvemhosva zviri chikamu chemasimba emapurisa emunharaunda. Dare rekudarika uye iyo inogara yakachengetedza haisi kupindira nedare remhosva chero ipi zvayo nokuda kwekuuraya, kubata, kana zvimwe.
Nyaya yacho inongova murkier shomanana patinotaura nezvemhosva inosanganisira mari kana pfuma, sekuchechedza kwakaipa uye mari. Nenzira yakawanda, tinogona kuzvisiyanisa nenzira iyi: Kana chinangwa chekupa mhosva ndezvekubhadhara hurumende nokuda kwekurasikirwa kwemari, nyaya yacho inotungamirirwa nekutsvaga. Muenzaniso wakanaka werudzi urwu rwemhosva ndeimwe yemigwagwa huru. Mukudaro, hurumende haina zvishoma kudarika chikwereti ichiedza kuunganidza chikwereti. Kana nyaya yacho ichitsvaga kukuranga iwe nokuti wakaputsa murairo, nyaya yacho haisi pasi pekungoerekana yagara uye inogona kuenda mberi. Muenzaniso wakanaka ndeyekuti unokutambudza kunyora zvakaipa checks. Kunyangwe iwe ungave uchiita kuti cheki yacho ive yakanaka sechikamu chemutongo wako, chinangwa chekutanga chechiito ndechokupomera mhosva.
Kunyange pano, nyaya yacho inogona kunyanya kuvhiringidza apo hofisi yehurumende inopomerwa nebasa rekuunganidza pane zvakaipa checks. Dzimwe mahofisi ane vashandi vasingamboiti asi vanoita sevateresi panzvimbo yevanhu uye makambani akatora check yakaipa. Muchuchisi haana chinangwa chekuendesa kumatare kune munhu akanyora cheki chekare. Kunyange zvazvo izvi zvakajeka basa rekuunganidza chikwereti, matare akawanda ekuputsa haazosimbisi kugadzirisa kwekutsvaga.
Administrative Actions
Nzvimbo dzakawanda dzehurumende dzine imwe nzira yekugadzirisa zvisarudzo zvinobaya vanhu. Vanhu vakawanda vanoziva nezvekuchengetedzwa kwemagariro evanhu nevanotamira kune dzimwe nyika. Asi havasi ivo voga matare ehurumende. Inogona kuwanika munzvimbo dzakasiyana-siyana dzakadai seU.S. US Postal Service, Veterans Administration, uye National Labor Relations Board, Zvimwe zviito mumatare ematare ehurumende zvichange zvichengetedzwa nekutumira kwekudarika kunofanira kutsanangurwa pane imwe nyaya basis. Zvimwe zviito zvinonyanya mari, asi vamwe zvinosanganisira masimba emapurisa emhurumende.
Apo Mutengesi Anoda Kuunza Nyaya Kune Mumwe Munhu
Kusvika pano, takataura nezvemhosva dzakapihwa kune mumwe munhu anonyora kubhadhara. Izvo zvinongoramba zviripo zvinoshandiswa here kana uyo ane chikwereti akaisa mhosva kune mumwe munhu?
Izvo zvinongoramba zvakagadzirirwa zvakagadzirirwa kuchengetedza chikwereti uye pfuma yemunhu ane chikwereti (izvo zvatinoshevedza pfuma yebhadhadzi yeimba). Pamusoro pezvo, muteresi anokwanisa kuunza chimwe chinhu mune imwe dare kurwisana nevechitatu asi asina kukumbira dare kuti ave nemvumo yekusimudza iyo inowanzogara. Asi, izvo zvingangodaro zvisingabatsiri akakwereta kwenguva refu. Kunyangwe kuburikidza nekutsvaga kwekutsvaga zvisingagone kushanda kune zviito zvomunhu ane chikwereti, vatongi vanowanzova nekodzero yekuunza zvikwereti kana kudzivirira zvidziviriro zvingagona kukwanisa kufambisa zvinyorwa zvekutsvaga. Hapana mutongi achagara kana kutadzisa kodzero dzomupomeri asi iyo inobvumira anenge ane chikwereti / muchengeti kuti aenderere mberi asina kuvharwa. Nokudaro, vane chikwereti vanowanzoisa zvigaro zvavo mumatare edzimhosva iyo inogona kutarisirwa uye yakasarudzwa nemutongi webhengi, kunyanya kana vari kuedza kubhadhara chikwereti kuti vabatsire pfuma ye bankruptcy.