Kuparara kunowanzoonekwa sekundikundikana, kana kuti kune kutongwa kwetsika. Asi funga nezveBumbiro reMitemo reUnited States, iro rinopa Congress chiremera chekugadza "mitemo yunifomu pamusoro pekuparara kweUnited States yose.
(Chikamu 1, Chikamu 8, Chitsauko 4). Kunyangwe madzibaba edu anotanga akaziva kukosha kwekugadzirisa nzira yekubatsira vanhu kuti vabve pasi pemarikiti isingatarisirwi uye kutanga kutsvaga kufambira mberi uye kugovera nhengo dzevanhu. Muchidimbu, kuparara kunobatsira pfuma.
Chii Chinonzi Bankruptcy Chirwere?
Kurasikirwa kwechiremba hakune tsanangudzo yakasimba. Vanhu vazhinji vanofunga nezvekuparara kwechiremba semunhu akaiswa kuti abvise (kana kubudisa ) chipatara uye zviremba zvechiremba, izvo vanhu vakawanda vanoita zviuru nezviuru zvemadhora. Asi inogona kupinda zvakadzika kupfuura izvozvo. Kunyange kana zvikwereti zvemarikiti zvechikwereti zvakafukidzirwa, aigona kuvhara kurapwa kwechiremba nekuda kwekurasikirwa kwemari apo iye anofanira kubvisa basa mushure mekunge aitika kana kurwara.
Chinhu chakakosha muchisarudzo chekuisa mari yevanhu vazhinji chikwereti chakakura chechiremba. Zvechokwadi, vamwe vanhu vakasara nekutengesa chikwereti chiremba nokuti havana hutano inshuwarhu.
Asi haisi ivo vasina uninsured vanozviwana ivo vanotsigirwa mune imwe mari yekona. Mishonga yemishuwarenzi yezverapa inoshamisa zvikuru. Kunyange mitemo inowanika kuburikidza neCountable Care Act pamusika inokwanisika bedzi nokuti makambani einishuwarenzi akagadzirisa mitemo inoderedza zvakanyanya . Hazvisi zvisingawanzoiti kuti zvigadziriswe kuva $ 10,000 munhu kana $ 20,000 mhuri, kana kupfuura.
Izvi ndizvo zvaunofanira kubhadhara kubva muhomwe pamberi pekambani ye inshuwarisi yakavhara imwe mimwe mitero yemishonga.
Kubva pamapepanhau ekugadzirisa , zvakaoma kuziva kana chero chiitiko chimwe chete chiri kuparara kwechiremba. Hakuna mubhuku rekugadzirisa chikwereti ndiye ane chikwereti (munhu uyo anokonzera chikwereti che bankruptcy) chakatarisirwa kuti ataure chikonzero chekubhadhara mari. Munhu ane chikwereti anodiwa kutarisa matanho ose, kusanganisira zvikwereti zvemari. Kutarisa pane zvinyorwa zvevakwereti uye zviyero zvemaakaiti zvichatipa ruzivo kana zvikwereti zvakakura uye zvakakura. Muteresi , pamusangano wemukwereti wevakwereta, anowanzobvunza munhu ane chikwereti chii chakaita kuti asarudze kuisa mari.
The Harvard Study
Mune imwe nguva inowanzotaurwa mashoko akaitwa naSenator Elizabeth Warren paakanga ari purofesa paHarvard Law School, mabhizimisi ezvokurapa aiva chinhu chinowanikwa mumapurisa anopfuura 50 muzana emhosva. Zvimwe zvidzidzo zvakabudisa mhinduro yakafanana apo zvidzidzo zvidzidzo zvakanyanyisa nhamba iri pedyo ne25 muzana. Chimwe chidzidzo chakabudiswa neNerdwallet Health muna 2014 chakawana kuti zvikwereti zvezvechiremba zvinotarisirwa kuti zvive zvakakosha zvikuru zvinobatsira, kunyanya kupfuura kadhi rechikwereti kana chikwereti chekutengesa. Chero nzira, chikwereti chechikwereti chezvechiremba chakabudiswa mumatare ehurumende muUnited States gore roga roga chiri mumazana emamiriyoni.
Chikwereti Chirapa Chinokwaniswa muBanruptcy
Nenzira yakanaka, chikwereti ichocho hachikwanisiki mune zvose zviri muChitsauko 7 zvakananga kubhadhara uye chirongwa cheChitsauko chekubhadhara 13. Iwe unogona kunge uchifanirwa neChitsauko chechipiri pasi pekuedza kwekutsvaga , iyo kuverenga uchishandisa mari yako uye mari kuti uone kana iwe unogona kukwanisa kubhadhara. Kana iwe usingapfuuri nzira yekuedza, iwe unogona kuisa Chitsauko 13 nyaya uye kubhadhara chikwereti chako kune makore matatu kusvika mashanu.
Ndinonyatsoda Kuisa Bhizinesi Kuti Ndibvise Chikwereti Chirapa Here?
Kana iwe usina chikwereti chakawanda kudarika chikwereti chechiremba, uye iwe usina kuwana shure kweimba yako kana motokari yemotokari, rubatsiro rwevana, kana alimony, zvingasava zvakafanira kuisa chekubhadhara mhosva. Heano zvimwe zvikonzero nei:
- Vanokweretesa nezvechiremba vanowanzova nyore kushanda pamwe chete nevamwe vanokwereta nemamwe marudzi emakwereti.
- Nhoroondo dzechiremba dzichagara nedhipatimendi rechiremba kana chipatara chekubhadhara kwenguva yakareba sezvinobvira vasati vatumirwa kune anounganidza.
- Kazhinji chiremba wako kana mumwe mupi wehutano achabvumirana kutora mari shoma mwedzi mumwe nomumwe, kunyange $ 5 kana $ 10.
- Mune zvimwe zviitiko, kunyanya kana iri chipatara chevanhu kana kuti chiremba weMurengeti weMedare waMedicaid, vapei havazovhiringidzi kuita zvakawanda kupfuura kutumira bhiri.
- Vanachikwereti vezvechiremba havasati vari vezvikwereti zvekubhadhara chikwereti, saka chikwereti hachikwanisi kuchinja chikwereti chako chikoro zvakawanda.
Iwe unogona kunge wakachengeteka uchiedza kubhadhara zvirongwa zvekubhadhara pamwe nevarwere vako vezvokurapa panzvimbo yekutumira chikwereti chekudarika. Iwe haungarasikirwi nekuedza, asi kana usingakwanisi kuwana kugutsikana nekushanda nevako vane chikwereti, Chitsauko 7 kana Chitsauko 13 chichavepo kuti chichengetedze iwe.