Iva akatendeseka . Usavanza chero chinhu. Pane chiitiko chakakwirira chokuti iwe uchawanikwa kana uchiita.
Kunyengera maererano nekambani yedare kunonzi kupomera. Kana iwe ukawanikwa ureve nhema pamarongwa ako, pamusangano wako wevakwereta , mune mamwe mapepa akaiswa nedare, kana chero humwe humwe uchapupu mumatare, iwe unogona kurasikirwa nekodzero yako yekuregererwa , kana kurasikirwa nekubudiswa kana kwave iko yakabudiswa. Dzidza zvakawanda pamusoro pemigumisiro yekureva nhema pasi pekupika paPerijeri muBanruptrupt Case .
Ipa ruzivo rwakakwana uye rwakakwana. Ruzivo rwakawanda runopinda mukunyora chikwereti che bankruptcy. Iwe unofanirwa kuziva vose vako vane chikwereti, zvinhu zvako, mari yako, yako mari, uye ruzivo pamusoro pekutengeserana kwako kwezvemari uye kushanda kwemakore maviri isati yasvika pakuratidza kubhadhara. Izvi zvinoreva kuti iwe haugoni kusiya mari iyi ya $ 500 iwe unokwereta kunaMuncle Fred ("Handidi kuti azive nezvekudarika") kana chikepe chaunoshandisa pa marina ("Pashure pezvose, ndiani angatoziva kuti iripo?" )
Shingairana nemupepeti wenyu . Mutongi wako aripo kuti akubatsire.
Anoziva izvo zvinodiwa kuti zviitike. Kana iye akakumbira ruzivo, rupe iyo nokukurumidza. Kana achida kutaurirana newe pamusoro pekodzero yako, dzokera zvakare foni nokukurumidza. Bhadhara mari yako inopa mhosva nokukurumidza, zvakare. Usatarisira kuti gweta rako rikutakure pamwe chete nekusingaperi kana iwe usingakwanisi kana usingakwanisi kuripa mari.
Zvekare Pre-filing Credit Counseling . Mumwe nomumwe ane chikwereti anofanira kupedza chikamu chekupa mazano kuchikwereti nyaya yacho isati yasvika. Izvi zvinogona kuva basa rakaoma. Mushure mezvose, nenguva yawakasvika kusvika pakurukura neye gweta pamusoro pehupfumi hwako, hapana zvakawanda zvekugadzirisa chikwereti chingaita. Zvidzidzo zvakatakura izvi. Asi zvakadaro, izvi zvinoramba zvichidiwa mumitemo ye bankruptcy uye unofanira kuzviisa pasi kana iwe haungabvumirwi kuisa mhosva.
Zvekare Post-filing Debtor Education. Iyo flip pamwe nekodzero yekupa mazano kune chikwereti inokweretesa dzidzo (kana kuti mari yemutoro) . Mumwe nomumwe ane chikwereti anotora chidzidzo ichi mushure mokutora asi asi nyaya yacho isati yasunungurwa. Kana iwe ukakundikana kutora chikoro, haungagamuchiri icho chawakashanda zvakaoma zvikuru mune izvi - chirongwa chokubudiswa .
Ipai makopi emitero yenyu yemitero kwemakore maviri uye mubhadhe stubs kwemwedzi mitanhatu. Mari yekubhadhara inoshandiswa kuongorora kana iwe uchipfuura nzira yekuedzwa kweChitsauko 7 kana kuti iwe unoda kuisa Chitsauko 13 chirongwa chekubhadhara. Mitero inoshandiswa inotarisirwa kuratidza kuti yako mitero inosvika yakasvika.
Ipa faira mutero inodzoka panguva yemhosva yacho . Kunyanya muChitsauko 13, iyo inogona kusvika kusvika kumakore mashanu, unofanira kutumira mitero yako inosvika gore negore kana kuti njodzi yokuti nyaya yako ibudiswe.
Faira chirevo chechinangwa . Kana iwe uine chikwereti chekubhadhara chikwereti, semukwereti wemotokari, imba yekubhadhara mari kana imwe mimwe yemari yakachengetwa, iwe unofanira kuisa chirevo chechinangwa nedare rinoratidza izvo iwe unoda kuita pamusoro pezvikwereti uye chikwereti: rea confirm , kudzikinura kana kuzvipira. Iwewo une dambudziko rekuona kuti iwe unoita chinangwa chako mukati mekanguva, iyo kazhinji mazuva makumi matatu mushure memusangano wevakwereta.
Enda kumusangano wevakwereta. Iwe unofanirwa kuenda kumusangano wevakwereta pasinei nechitsauko chaunoshandisa. Misangano yeChitsauko 7 neChitsauko 13 inogona kutarisa zvakasiyana-siyana, asi zvose zviri zviviri zvakagadzirirwa kuita zvinhu zviviri: kupa vakweretesa mukana wokukubvunza pamusoro pekurapa chikwereti chavo uye nezvemari yako yega uye kupa mutere mukana wokujekesa , tsanangudzo, kana kuwedzera kune ruzivo rwakapiwa mumarongwa.
Bata pamwe chete nematirastii. Mutrasti anokwidzwa nemabasa akawanda, kusanganisira basa rekuona kana iwe une chero zvinhu zvaanogona kutenga (kutengesa) kuti awane mari kubhadhara zvikwereti zvemari. Iwe unofanira kuzvipira chero chipi zvacho chisina kukodzera kana chakakumbirwa nemutambisi uye iwe unofanirwa kupa ruzivo rwemabhuku ako, zvinyorwa uye zvinyorwa kana zvakakumbirwa nemutrasti. Kana iwe ukakundikana kupa mutevedzeri zvinyorwa kana ruzivo rwaanoda kuita basa rake uye kuongorora izvo zvinhu, iwe ucharasikirwa nekubudiswa kwako .
Chengeta yako chirongwa chekubhadhara muChitsauko 13. Kana ukakundikana kutora chikwereti chako muChitsauko 13, mhosva yako ichadzingwa. Zvechokwadi, kana iwe ukakundikana kuita mamwe marudzi ekubhadhara panguva yemhosva yako, mhosva yako inogona kubviswa kana iwe haungagamuchiri kubudiswa. Izvi zvinosanganisira kubatsirana nekusimudzira vana, uye mune dzimwe nzvimbo, mitero yemitero, chikwereti nemotokari yemari.