Nzira Yokutaurirana NeVakatengi Vako uye Gadzirisa Mari Yako

Gara nevako vane chikwereti uye usaparara

Uri kutsvaga nzira dzekudzivisa bankruptcy ? Kana iwe uine mari, asi haikwanisi kubhadhara zvikwereti zvako zvakakwana, unogona kuedza kutaurirana nemitemo mitsva yekubhadhara kana kunyange mubayiro kune zvishoma kudarika iwe unokwereta. Iyi nhaurirano inogona kutungamirira kumakero ekuderedza mabhuku, kutengwa kwemwedzi pamwedzi, kana kunyange kugadzirisa zvakakwana chikwereti. Kunyange zvazvo iri sarudzo inowanzogadziriswa kugadzirisa nevanenge vari pamba nevanokwereta (semuenzaniso, makambani emakadhi echikwereti nemabhangi), zvinogonawo kushanda kune vashandi vehurumende, zvakadai seRIS.

Initial Contact

Usati wataura neanotora, zvakanaka kuti uzive kodzero dzako. Vagadziri vakasungirwa neMutemo Wekutengesa Chikwereti Chekuita Maitiro neMitemo yakawanda yehurumende, asi vanotyora mitemo iyi nguva dzose. Kana iwe uchiziva kodzero dzako usati wapinda, iwe unenge uchishanda kubva pane chinzvimbo chesimba.

Mune mamiriro akawanda, kana iwe uri kure kumashure kwekubhadhara kwako kwedzimwe mwedzi, zvichida kuti vatengi uye / kana makambani ekuunganidza anenge ari kukushevedza masikati neusiku. Kana vako vane chikwereti vachikushevedza, nzira inonyanya kutanga nhaurirano ndeyokuudza munhu anenge akadana kuti unoda kugadzirisa chikwereti. Isa nguva nemunhu ane chikwereti kana muteresi kuti adanidze uye kurukura nezvekugadzirisa. Kana uyo ane chikwereti asina kukudana iwe, unogona kutanga kutaurirana. Izvozvo zvingaita sokuti zvinotyisa, asi chokwadi ndechokuti iwe ndiwe uri kutonga. Paunotaura nemunhu ane chikwereti:

• ita nechivimbo uye nekusarudza,

• Tarisira kuti uremekedzwe, uye uzvitsvake kana uyo ane chikwereti achikubata iwe,
• Kumbira kujekeswa kana iwe usingazivi chimwe chinhu,
• haabvumi kune chero mazwi kunze kwekuti iwe unonzwisisa zvinotarisirwa kubva kwauri zvakakwana,
• haabvumirani chero chinhu kusvikira iwe uchichiona muchinyora.

Strategy

Nzira yekutaurirana nevana vako vane chikwereti yakarurama zvakananga: kuripa zvishomanana pane chikwereti chakakura chaunokwereta.

Izvi, zvechokwadi, zvinofanira kunge zvakanyatsoenderana nekukwereta kwakadini kugadzirira kugamuchira. Kazhinji, vatengesi vachada kuwana mari yekubhadhara mari pamusoro pemaripo yenguva dzose. Nokudaro, zano rakanaka nderekupa imwe nguva yekubhadhara, pamutengo wakaderera. Somuenzaniso, kana iwe uine chikwereti $ 10,000 kune kambani yekwereti yekwereti, ungada kufarira nguva imwe chete yekubhadhara $ 5,000, asi kana iwe uchiziva kuti iwe unogona kuripa chikamu ichocho panguva yakakodzera, taura mazuva makumi matatu.

Tanga Low

Iwe hauna chinhu chaunorasikirwa (uye zvichida yakawanda kuti uwane) nekutanga pasi. Izvi zvinoreva kuti iwe haufaniri hako kuita sarudzo yakakwirira iwe unogona kuwana pakutanga. Izvi ndechokuti munhu ane chikwereti angangodaro anopesana nemupiro wako, nokudaro achikwira mari yacho. Kana iwe uchitanga kuderera, izvi zvichaita kuti zvive nyore kuti chikwata chemunhu ane chikwereti chichava pedyo nehuwandu hwaunogona kuripa.

Tone uye Kubatana

Zvinokosha kuti urambe uine maonero akanaka uye inzwi kana uchibata nevatengi. Kunyange zvazvo mutero wekosi angave asina kufadza, kana iwe uri unyanzvi uye unofunga, kune mukana wekuti kugadzirisa kuchasvika. Izvi zvinongobva pamusoro wekuti vanhu vanoda kwazvo kushanda nevaya vane mafungire akanaka uye vanobata vamwe zvakanaka. Izvi zvingava zvakaoma, asi zvakakosha kuzadzisa chinangwa chekubhadhara chikwereti!

Settlement Agreement

Chibvumirano chekugadzirisa chinokudzivirira iwe kana iwe uchibhadhara chikwereti uye chikwereti chinoshandura pfungwa dzayo uye ichikumbira kubhadhara pamari yakasara. Chibvumirano chekugadzirisa chichave chakakosha munyaya iyo munhu ane chikwereti atokuteterera.

Chibvumirano chekugadzirisa chinofanira kugara chiri mukunyora. Kunyangwe hazvirevi kubhadhara kushanda kunosanganisira gweta, zviri pamutemo mune zvaunofarira kuita saizvozvo.

Migumisiro yeMatokari Chetatu

Matambudziko ekugadzirisa anogona kuva nemigumisiro yakaisvonaka yekukubvumira kuti usapinda kufungidzira kubhadhara. Zvisinei, kuderedza uku kunosanganisira kushanda nevatengi vechikwereti uye hapana zvivimbiso zvekubudirira. Uyezve, chikwereti chekugadzirisa chikwereti chichazobvunzwa pamusoro pekwereti yemari yako uye inogona kuderedza chikwereti chako chekwereti. Uyezve, iwe unogona kutaurirana neaibhengi kuti uone kana chikwereti chekugadzirisa chinenge chichizoonekwa sechabhadhara mari yaunofanira kuitisa pamitero yako.

Kunyange zvazvo chikwereti kugadzirisa kuburikidza nemunhu anotora chikwereti hakusi sarudzo yakakwana kana kukodzera kwakakwana kune munhu wese, inogona kunge yakagadzirisa uye inogona kushandiswa kune vakawanda.

Kuti udzidze zvakawanda pamusoro pezvinoitika kune zvikwereti muzvikamu, ona:

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Yakarongwa muna March 2018 naCarron Nicks

Ndapota cherechedza kuti nyaya ino haisi iyo mitero kana mazano emutemo.