Ndinoda Mureri Wose Here?
Ndiwo mubvunzo isu vatongi vebhangi vanopomerwa vanonzwa nguva dzose. "Kana ndakatyoka, ndingabhadhara sei gweta rinoparara?" Ichokwadi kuti vanhu vakawanda vanomirira kusvikira vaputsa ganda rekugadzirira kudana gweta, asi kune nzira dzinogona kutora zvimwe zvekubhadhara mari gweta. Iwe unogona kudzidza zvakawanda nezvenzira dzekuita izvozvi munyaya ino: Inobhadharwa Zvakadini Kuisa Bhizimisi?
Statistics
Kana ukasarudza kuisa gwaro rekugadza pasina gweta, dare richadana kuti pro se kana pro per kufungidzira. Mune dzimwe nzvimbo muCalifornia, vazhinji vanenge 25 muzana yematambudziko vanoiswa vasina rubatsiro rwegweta. Munyika yose, mutengo wacho wakafanana ne9 muzana, uye vazhinji vezviitiko izvi Chikamu 7 zvakananga kubhadhara mhosva.
Kana mari yako iri nyore, iyo inogona kukushandira iwe. Tinorevei ne "soro"? Kana iwe usina chikwereti, chikwereti chemotokari, kana chero ipi zvayo yemari yezvikwereti nemari, uye iwe hauna pfuma zhinji kupfuura midziyo yekushandisa, midziyo yeimba, zvipfeko uye zvakadaro.
Kana iwe uine chikwereti chakachengetedzwa, unofanira kutarisana nemunhu ane chikwereti uye usarudza kana kupinda muchibvumirano chekusimbisa kana kudzikinura imba.
Kuisa pane iwe pachako, iwe uchafanirwawo kunyatsoziva nezveimba iyo iwe unogona kuregererwa kubva pakusvika kwedare. Kana uri kuisa Chitsauko 13, iwe unoda kuzivawo kuti Chitsauko 13 chinoronga sei basa uye kuti iwe unyore sei.
Kunyange kune zvinyorwa zvakajeka, iwe uchafanirwa kupa ruzivo rwakakwana pamusoro pemari yako, mari, zvikwereti, pfuma, nekubhadhara mari mumakore mashomanana apfuura.
Kana iwe uri kufunga zvakanyanya nezvekuisa fungiro re pro se, tine nyaya dzakatevedzana dzinokurukura zvatinotarisira, kutanga nekudhinda Bankruptcy pasina Mutongi. Unogona Kana Unofanirwa Here?
Hongu, Ndinoda Mutongi!
Kune marudzi maviri evaparidzi vemapurisa. Dzimwe nyanzvi dzemutemo dzinotarisana nekushanda nevanhu vari kuisa Chitsauko 7 neChitsauko 13. Tinoshevedza avo vashandi vekugadzirisa mabhizimisi. Dzimwe nyanzvi dzemutemo dzinoshanda zvikuru nemabhizimisi kuti aise Chitsauko 11zve kugadzirisa nyaya uye Chitsauko 7 zviitiko. Avo vatinoshevedza bhizinesi kana rekutengesa mabhizimisi magweta. Kunyange zvazvo aripo, munhu wese anokonzera kubhadhara anokwanisa kuisa munhu mumwe nomumwe uye mabhizinesi matambudziko, zvinotarisa zvakasiyana zvakakwana zvokuti vatongi vakawanda vanosarudza rimwe pane rimwe.
Bankruptcy Mills vs. Solo / Small Firm
Vazhinji vashandi vanopedzisira vashandi vanoshanda mumitambo yega kana kuti nevamwe vashoma vemareji, mutongi uye vamwe vanyori vanobatsira sezvavanoda. Vamwe vanyori vakashanda kuti vashandise kushandiswa kwevasati vemuarenge paraprofessionals. Aya masayendisiti anovimba zvikuru nevadzidzisi vehurumende uye vabati vekuita kuti vaite zvakawanda zvebasa racho, pamwe chete nemagweta mashoma anotarisira vashandi.
Vamwe vanhu vanoshevedza mabheji aya. Munzvimbo yemaguta, iwe haungasviki negweta kusvikira iwe ugere pasi pamusangano wako wevakwereta anenge mwedzi mushure mekunge nyaya yacho yaiswa.
Kuputsa zvikwereti hazvirevi kudhura zvishoma kudarika mabasa avo kupfuura vamwe varairi. Mitero inotungamirirwa nemusika uye inoongororwa neHofisi yeTransiti yeUnited States. Iwe unogona kunge uwana kuti magweta akawanda ekubhadhara munzvimbo yako anotengesa nezvemari yakafanana,
Mutsara wekushandiswa kwebhengi, basa riri mukati mekambani rinowanzonyanya kunyanya. Iwe unogona kutarisana nemumiririri wepamutemo uyo anowedzera ruzivo rwako, mutongi anotsanangura nzira yacho, mutongi anobatsira iwe kuunganidza ruzivo rwaunoda kuti uise nyaya, nezvimwewo. Unogona kutarisana nemuchengeti anotungamirira musangano wevakwereta, uye mutori wenhau akasiyana kana iwe uine nyaya mune yako.
Pane zvakanakira kumuenzaniso iwoyo, asi vakawanda vekare vatengi vanorondedzera kuti vainzwa sevamwe vanoruramisa rimwe mhosva uye kuti hapana munhu akanyatsotaura nezvehupenyu hwake. Nokuda kweiyo, tsika yemadzitateguru kana tsika shoma yakasimba ndiyo yakanaka. Hazvisi zvekambani kana sangano rekunzwa, uye mamwe maoko pamusoro pekutarisa kwako uye nekusvika kune gweta rako.
Kana iwe ukava usina kugutsikana newe gweta rako mushure mekunge waisa, ona chinyorwa ichi: Kana Iwe Usina Kufara Newacho Chengetedza Mutemo.
Ndingawanepiko Gweta?
Hapana kushayikwa kwevatongi vanotsvaka mukana wekupa mazano kune iwe. Vanotaura neTV yako yakagadzirirwa masikati masikati sasa uye inotarisa kwauri kubva kumabhadhibhodhi kudunhu rose. Asi zvakaoma kuziva kana iwe unofanirwa kuenda nemumwe wevarume ivavo iyo nhamba yerunhare yawakabata pamusoro kubva pakushambadzira kwake jingle, kana kuti iwe unofanirwa kuchera zvakadzama kuwana mumwe munhu angakupa humwe hutano hwepamusoro. Heano dzimwe nzvimbo dzakanaka dzekutarisa.
Kana Uri Mhuri Yakaderera Inowanikwa
Kana mhuri yako inowanikwa isingasviki 125 muzana ye federal paurombo mirayiridzo, iwe unogona kukodzera kubhadhara mahara pachena kuburikidza neRaw Legal Aid kana Sangano reMitemo. Aya masangano asingabatsiri anopa rubatsiro rwemitemo yevanhu kune vanhu vanozvininipisa kwazvo zvinoreva. Zvavanowana zvinodiwa zvakanyanya, asi kana iwe wakanga usiri kunze kwebasa kwekanguva, wakaremara, kana kuti rubatsiro rwehuruzhinji, zvakakosha kutarisa.
Sangano reBar mumaguta makuru rinowanzova nepro bono avo vanoita mapurogiramu anopa mari shoma kana kuti kwete mari kune vanhu vanokodzera maererano nemari inowanikwa, basa, kana kuti chipatara. Purogiramu yoga yoga inayo inyanzvi uye kuwanika kwevanhu vanofarira kupa pro bono services. Heino muenzaniso wemuzvipiri wekuzvipa gweta muDallas, Texas. Heino imwe muDuluth, Minnesota.
Zvinyorwa Zvomunhu
Vakawanda vevatengi vangu vanouya kwandiri kuburikidza nekutumira vanhu. Vanhu vekare vashandi vanoitira zvakanaka shamwari yangu, vashandi pamwe nehama. Kana iwe uchida kukurudzira kwako kubva kune mumwe munhu, iwe unogona kunge uchida kukurukura zvaunoda, uye vamwe vanhu vanoona kuti hazvishamisi kutaura pamusoro pekurwa kwavo kwemari. Iwe unogona kuwana, zvisinei, kuti vanhu vazhinji vari pedo newe vakatarisana nedambudziko rakafanana kana kuziva mumwe munhu ane. Nedzimwe nhoroondo, pamusoro pemakore ehupenyu, mumwe wevane vakuru vose gumi achaisa chikwereti chekudarika. Funga nezveiyo nguva inotevera iwe ugere musangano wePTA.
Zvechokwadi, iwe unogona kugara uchienda kune vanhu nekare kubvunzurudza, "Ndine shamwari mukirasi yangu yeSvondo yechikoro inoda gweta rekuputsa. Unoziva here? "
Tsvaga Injini
Kune vazhinji vedu, kutanga kwedu kwekutanga apo tichitsvaga unyanzvi, kana ari plumber, chiremba, kana gweta, iyo Indaneti. Chii chinoitika kana iwe uchitsvaga "[guta rako] gweta rakaparara"? Nhamba yekutanga ichave yakabhadharwa. Avo avo varairi vakabhadhara ropafadzo yekuonekwa pamusoro pekutsvaga kwekutsvaga kwako. Vamwe vanowedzera mabheji, asi vamwe ndevamwe uye vadzidzisi vashoma. Zvakaoma kuti utaure zvauri kuwanikwa kubva muzvikwata kana kunyange kubva mawebsite. Vamwe vevatongi vakanaka vandinoziva havatengi kutengesa uye havaiti kunyange pamapeji ekutanga ekutsvaga mazita. Vashoma havana kunyange mawebsite.
National Association of Consumer Bankruptcy Attorneys
Chimwe chezvinhu zvakanakisisa zvepaIndaneti ndeye Tsvaga Gweta reAkatoriki pawebsite yeNational Association of Consumer Bankruptcy Attorneys (NACBA). NACBA ndiye mutungamiri wehurumende yehurumende yezvemabhizimisi avo vanomiririra vanhu mukudhinda Chitsauko 7 neChitsauko 13. Kana ukasarudza nhengo yeNACBA, iwe unogona kunge uri kushanda nemumwe munhu anokoshesa kubatsirana kwekutengesa, kuchengetedza kushandurwa kwezvino kuchinja mumutemo uye zvakakosha zvisarudzo, uye uri kushanda munharaunda yepamutemo.
National Association of Consumer Advocates
Imwe ingangodaro ndiyo National Association of Consumer Advocates, imwe sangano rebhizimisi rakagadzirwa zvikurukuru rezvemitongi vanoita mutemo wevatengi. Vatongi vakawanda vevatengi vanoitawo mutemo wekushungurudza.
Online Referral Services
Pamakore makumi maviri ekupedzisira, mitemo yekutengesa mitemo yepaIndaneti yakawanda. Vakawanda vemawebsite aya vanopawo nyaya panyaya dzakasiyana dzemutemo, kusanganisira kubhadhara. Zvimwe zvemashoko anozivikanwa akawanda
- Nolo
- Lawyers.com
- Avvo
- LegalMatch
- Kuteerera Kwemutemo
Aya masayiti achapa runyora runyorwa rwevatongi vanoita munharaunda yenyu. Hazvina mari kune iwe yekutumira mazita. Vatori vemari vanobhadhara kuti mazita avo akanyorwa panzvimbo idzi.
Nharaunda dzeBar Local
Nhengo yenyu yepahara yepahara ichavawo nekutumira basa. Kana iwe ukashevedza kana kubvunza paIndaneti, ivo vachakupai pachena pasina ruzivo rwemapoka avo vanoita unyanzvi hwaunotsvaka.
Izvo Zvakawanda Zvakadini Zvinoshandisa Kuisa Bhizinesi?
Mutsara wepano apa ndewokuti, "Ndinofanira kusarudza gweta here?" Ichokwadi kuti izvi zvingave izvo zvinonyanya kukoshesa. Mushure mezvose, iwe unenge uri kutarisana nenhau dzemari kwenguva yakati uye hauna zvakawanda zvakasara kupararira zvakapoteredza.
Iwe unenge uine zvidimbu zvitatu zvakasiyana paunoshandisa chikwereti chekudarika.
- Dare Rinoshandisa Mari : $ 335 yeChitsauko 7; $ 310 nokuda kweChitsauko 13
- Mari yekupa mazano ekukwereta: Chikamu chekupa mazano ekugadzirisa chikwereti uye kushandiswa kwekutsvaga mari yekugadzirisa mari inopiwa nemasangano akazvimiririra anobhadhara mari, kazhinji iri pakati pe $ 25 ne $ 50. Gweta rako rinowanzokupa mazita emasevisi anowanika munzvimbo yako uye paIndaneti.
- Attorney's Fee : Mari yako inopa mari yako yakaoma kuisa uye inopararira munyika yose. Munharaunda yangu, North Texas, varairi vanobhadhara mari yakarenda iyo inosvika madhora 2 000 kusvika $ 2 500 yeChitsauko 7 yakananga bankruptcy case uye $ 3 500 nokuda kweChitsauko 13 chekubhadhara chirongwa. Vamwe vanyori vanobhadhara zvishoma kana vaviri vari vaviri vakaroorana vachiita imwe nyaya, apo pane vazhinji vane chikwereti, kana apo pane chikwereti chemabhizimisi chinowanikwa.
Kana uchida zvakawanda pamusoro pehurukuro yemari, tarisa Kuti Ndezvipi Zvakafanirwa Kuisa Bhizinesi?