Kuchengetedzwa Kutengesa-Kuno
Mune mamwe mamiriro ezvinhu, uyo ane chikwereti angasarudza kuregedza chikwereti zvachose.
Kana izvi zvichiitika, iwe hausisina mutoro wekubhadhara chikwereti. Kunyange iwe ungasunungurwa nokuti hausisina basa iri, pane zvinokonzerwa nemitero yako.
Apo vanokwereta vanobvisa chikwereti, vanofanirwa kutaurira mari yakaregererwa (kana inopfuura $ 600) kune IRS vachishandisa Fomu 1099-C kuregererwa kwechikwereti .
IRS inoona chero chikwereti chakaregererwa semari, uye iwe uchataurira mari yaunowana pamutero wako wekubhadhara kwegore iroro. Inogona kuwedzera mutoro wako wemitero uye inoita kuti uwane mari shoma yokubhadhara mitero kana kuti iwe unoda iwe kubhadhara mitero yemari yemari kune IRS. Nokuti munhu ane chikwereti akatumira kopi yekuregererwa kwechikwama chekwereti ku IRS, IRS iri kutarisira iwe kuisa mari yacho pamutero wako wekudzokera. Kudzoka kwako hakugoni kugamuchirwa, kana iwe unogona kuwana bhadha kubva ku IRS kana iwe ukakundikana kuisa mari yacho.
Zvichienderana nezvamunowana, bhakiti yemitero, kuisa mafaira, uye zvimwe zvikwereti zvemitero, chikwereti chakaregererwa chinogona kungoita kuti uite mitero yako zvishoma.
Hazviiti kuti iwe unofanira kubhadhara chikwereti chakakwana chekuregererwa ku IRS.
Akachengetwa Charge-Offs
Iwe unodawo kubatanidza chikwereti chakaregererwa pamitero yako apo mutero-wekugadzirisa wakagadziriswa nokuti mukwereti anokonzera chikamu chechikwereti mukugadzirisa. Mharaunda ndeye apo iwe unotaurirana nemunhu ane chikwereti kuti akwanise kubhadhara chete chikamu chemari yakakwana kuti agutse chikwereti chakazara.
Insolvency Kubva
Iwe unogona kukwanisa kuwana chikamu chekusanganisira chikwereti chakaregererwa semari inotengesa pamutero wako wekudzokera. Kana iwe wakanga uine insolvent, zvinoreva kuti iwe wakanga uine mutezo wakaipa, panguva iyo chikwereti ichibviswa, iwe haufaniri kutaurira zvose kana chikamu chemhosva-ku IRS. Iwe unofanirwa kuisa IRS Form 982 (PDF link), kuderedza Mitero yezvikwereti nekuda kwekuregererwa kwemari, kubvunza kusaregererwa kwekodzero. Nokuda kweizvi, iwe unoda kuva nerwendo rwezvinhu zvako uye zvikwereti panguva iyo chikwereti chakanatswa.
Wana Mutero Wokugadzirira Unobatanidzwa
Nguva dzose mune zvaunonyanya kufarira kutsvaka rubatsiro rwezvenyanzvi yemitero, kunyanya apo uri kutarisana nemamiriro asingazivikanisi emitero nemafomu. Mutori wemutero anogona kubatsira kubhadhara mitero yako yakaiswa zvakanaka kana izvo zvinoreva kusanganisira chikwereti chakaregererwa semari kana mari yekusuruvara.
Iwe hausi kuda kuva mutevedzeri wemutero weguinea yenguruve. Paunenge uchisarudza unyanzvi wemitero, bvunza kana vane ruzivo rwekushanda nevateresi avo vakatofanirwa kuisa Fomu 1099-C kana kukumbira kusava nekunyoresa. Iwe unoda kuva neruzivo rwenyanzvi hwemutero rubatsiro nemitero yako.