Ichokwadi kuti vanhu vazhinji vachamirira kusvikira vachinge vatora shanduko kubva pasi pemubhedha wakakoshesa vasati vafunga kubhadhara * muchikwata chekudarika.
Kumirira kusvikira iwe usina mari yekubhadhara kusungirirwa kwekambani yekukanganisika kunogona kukonzera kunyanya kushungurudzika uye kuita sarudzo yekuisa zvakanyanya kuoma.
* Wakashamisika here kuti ndakashandisa shoko rokuti "kuisa mari"? Kana uchida kuziva zvakawanda pamusoro pekuti kubhadhara mari inogona sei kuisa mari mune ramangwana rako, verenga nyaya yedu pamusoro pekuti: Bankruptcy: An Investment In Your Future .
Kushandisa Chikwereti Chekubhadhara Kubhadhara Mari Inokanganisa Inogona Kuva Bhizinesi Chekuita
"Asi tarisa," unogona kufunga, "Ndine imwe nzvimbo pane kadhi rechikwereti. Zvichida ndinogona kushandisa iyo nhoroondo kubhadhara mari yangu. Mushure mezvose, ini ndiri kuenda kuzozadza iyo nhoroondo iyo kubhadhara zvachose. Nenzira iyo, dare uye gweta richabhadharwa, asi hazvizofaniri kubuda muhomwe yangu. "
Izvi zvinonzwika semafungiro akanaka kune iwe here? Kana zvakadaro, ndinokukurudzira kuti udzokere zvakare. Izvo zvauri kutaura nezvazvo ndekuita ufeve . Ehe. Ndakataura izvozvo. Paunenge uchibhadhara pane yako kadhi rechikwereti usina chinangwa chekuripa, iwe waita uori kune wakwereta wako.
Iwe unogona kupomerwa mhosva, kubhadhara mari, uye kushumira jeri nguva.
Vazhinji vashandi vekubhadhara havazotori kadhi rechikwereti kuti vabhadharire mari yemari kunze kwekuti iyo kadhi iri muzita remutambo asiri kuisa chikwereti chekubhadhara. Kana mubereki wako, shamwari yako, kana mukoma wako achibhadhara mari yako, iwe bhengi wako wekushungurudza angave achifara kuimhanya semutengo wekambani yemunhu iyeye.
Apo Cash Kufambira Mberi Kwekubhadhara Mitero Icho Chinyengeri
"Ko kana ndikatora mari inotangira? Ko kambani yemakadhi echikwereti ichaziva sei kuti ndaive kushandisa mari yekubhadhara kubhadhara? "Mubvunzo wakanaka. Munhu ane chikwereti haafaniri kuziva kuti ndizvo zvauri kushandisa mari yacho.
Pane urongwa mumutemo wekucheka unosangana nemari yekufambira mberi kana kukwereta kwekutengesa zvigadzirwa zvepamusoro nguva isati yasvika. The Bankruptcy Code pa11 USC ยง 523 inotaura kuti unotengesa mari inosvika $ 650 mumazuva makumi mapfumbamwe asati apedza kubhadhara inonzi inonyengera. Saizvozvowo, mari inofambira mberi iyo iyo yakawanda inodarika $ 925 mukati memazuva makumi manomwe ekunyora nyaya yekudarika inofungidzirwawo kuti inonyengera.
Ndezvipi zvinodhura zvinotenga? Nhamba yekodhidha haina kutitaurira zvavari. Pane kudaro, mutemo unotiudza kuti havasi: "zvinhu kana mabasa anobatsira zvakakodzera kuti kubatsirwe kana kugadziriswa kwemunhu ane chikwereti kana munhu anokweretesa kune ane chikwereti" hazvifungidziri "zvinhu zvekugadzira kana mabasa."
Kunze kwemari yaidiwa kubhadhara mutambi wekugadzirisa uye mari yematare, kutengeswa kwepamusoro kunogona kuisa misha itsva, mazororo ezororo, zvishongo, makombiyuta matsva kana zvigadzirwa zvisingashandisi zvakaputsika, motokari itsva, kana zvimwe zvinhu zvisingakoshi kuti uve zvakanaka.
Iwe unogona kuwana mienzaniso yakawanda yezvichiri uye izvo zvisiri kutengeswa kwepamusoro paDownloading Debts: Madhora Anogona Kubudiswa .
Chii Chinoitika Kumitoro Yezvokunyengera muChinyorwa Chechiitiko?
Saka, izvi zvinokubatsira sei kana iwe ukaisa kambani yekudarika? Nemhaka yokuti mhosva dzinofungidzirwa kuti inonyengedza hazvireve kuti iwe ucharasikirwa nekubuda kwako kana kuti zvikwereti izvozvo hazvizobudiswi. Kuti izvozvo zviitike, muteresi aifanira kuisa mhosva mukati memhosva yebhengi - inonzi muvengi anoramba - achikumbira dare kuti ataure kuti mhosva "hadzibudiswi." Mukutongwa ikoko, kunyange zvakadaro, muteresi haafaniri kumira kuti iyo mhosva yaive yonyengeri. Pane kudaro, iwe unofanirwa kuratidza kuti vakanga vasiri kunyengera nokuti vakanga vasiri yezvinhu zvepamusoro kana mabasa.
Kana iwe wakapa chikwereti chakawanda musati waisa chikwereti, mutrusti kana mumwe wevatengi vako angakwanisa kukumbira dare kuti arambe kubviswa kwako kwose uye akusiya iwe uchibhadhara chikwereti chako wese nekuda kwekunyengera kwako nyaya yacho isati yapomerwa.
Kwaungawana Mari Kuisa Kana Usingakwanisi Kushandisa Kadhi Kadhi
Pane nzira dzakanakisisa dzekuwana mari iyo faira iri kubhadhara. Heano dzimwe pfungwa dzaungafunga:
Too Broke ku File Bankruptcy? Chikamu 2
Yakarongwa naCarron Nicks November 2017