Tsvaga mari yakakosha kuti uite izvi zviri mune ramangwana rako.
Mune imwezve nyaya , ndakataura pamusoro pekuti zvinodhura zvakadini kufambisa mari. Muchikamu chino, ndinokurukura nzira dzekuuya nemari kana kuwana rubatsiro kuitira kuti iwe usingafaniri.
Tora Kubatsira kweZvibvumirano Zvamahara
Chinhu chokutanga chokuyeuka ndechokuti vazhinji, kana vashoma, vanopomerwa mabhizimisi vanopa kubvunza pasina . Mumwe gweta anokwanisa kubhadhara anogona kutarisa mamiriro ako ega, anokubatsira kuti uone kana kuparara kwako kwakakodzera iwe, rudzi rwakadini rwekubhadhara kuiswa, nguva yekambani, uye kuti ungaripire. Nzvimbo yakanaka yekutsvaga gweta rakagadziriswa ndeye National Association of Consumer Bankruptcy Attorneys.
Nzira Dzokubhadhara Dare Renyu uye Gweta Mhosva
Kana ukangogara pasi neine gweta, unogona kukurukura nzira dzokubhadhara nyaya yacho. Your bankruptcy attorney ane ruzivo rwakakura neichi. Heano mamwe emafungiro aungangokurukura.
Shandisa mari yako yekubhadhara .
Kana zvikwereti zvemitero zvinosvika mutsime, vanyori vezvemari vanoparara vanoona kuwirirana kwehuwandu hwevanhu vanotsvaka ruzivo pamusoro pebhengi. Kurapa hurumende yehurumende sebhengi rekuchengetedza haisi ndiyo nzira yakanakisisa yekuchengetedza mari yako, asi munyaya iyi dendere dendere rinogona kukubatsira kuti uwane zvikwereti nekukubvumira kubvisa chikwereti chakaremedza.
Rega kubhadhara makadhi ako ekwereti . Ndanzwa izvi zvichidaidzwa kuti "rega vatengi vako vatore chikwereti chako" kusvika. Kana waita chisarudzo chekubhadhara chikwereti, kana iwe wakabata mari yaunoshandisa kubhadhara yako vasina kuchengetedza chikwereti (avo vasina mari yezvikwereti pane chikwereti), mumwedzi mishomanana iwe uchave wakakwana kuti uende nechokuita chikwereti.
Wana mari kubva kumhuri kana shamwari . Ndinonzwisisa kuti zvingava zvakaoma kwauri kukumbira rubatsiro. Iwe unganzwa usina kunetseka kuudza vadikanwa vako kuti nei uchida mari. Kunyange zvakadaro, vazhinji vevashandi vangu vakaona kuti pavakakumbira rubatsiro, vaive nezvinhu zvakawanda kupfuura zvavakambofunga kuvanhu vanoda kungovaitira zvakanaka. Murengeti wako achada kuziva kuti mari yakabva kupi nokuti izvi zvinofanira kubudiswa mubhuku rako rekushona. Kana iri chikwereti, munhu iyeye achada kuverengwa sechikwereti. Mari yechikwereti ichabudiswa munyaya yacho, asi izvozvo hazvirevi kuti haugone kuripa zvakare. Kana iri chipo, inogona kuve yakarongwa semari inowanikwa. Mutongi wako anogona kukupa zano pamusoro peizvi.
Ita kuti vatori vako vabhadhari vabhadhara . Kana uri kutambudzwa nevatori vematareji, pane mukana wakaisvonaka wevateresi vari kudarika mitsara yavo nekuputsa Mutemo weDhipatimendi reKutora Chikwereti Chekuunganidza kana yehutano hwehurumende yako.
Kana zvakadaro, unogona kuribhadharwa $ 1 000 pane imwe nguva yekushungurudzwa, pamwe chete nekukuvadza kwakakwana, pamwe nemari yemhosva uye mari. Izvi zvinoda kuti uchengetedze zvinyorwa zvakarurama, kunyora hurukuro yako yefoni uye uve negweta rinoda kutevera. Havazi vose vanopedzisira vashandi vanobata rudzi urwu rwevatengi, asi ivo vachakutaurira kune mumwe munhu anoita. Takave nemakambani ekuunganidza akagara kwezviuru zvemadhora. Dzvanya pano kuti uwane rondedzero ye Fair Fair Madhora Kukanganiswa.
Deredza mari . Zvinonzwisisika zvakati pane zvaita, zvakarurama? Asi kune chokwadi chakawanda ikoko. Kusashandisa mari iyo 4 yekombe yemuumbi wekofi inogona kuwedzera nokukurumidza. Zvakadini nekucheka HBO na Showtime? Kana kuti kutora kudya kwako kwemasikati kushanda panzvimbo yekushandisa $ 10 kana $ 15? Vanhu vazhinji vanogona kuwana mamwe mazana mashoma mwedzi mumwe nomumwe musinganzwisisi zvakare.
Ramba uchiyeuka kuti iwe uchange uchitora mapepa ako mari yako mu bankruptcy case, kunyanya mumashoko ose. Iwe hausi kuda kutema kumapfupa asina chinhu uye ugare uine bhajeti risingaitiki kwenguva refu. Gweta rako rinogona kukubatsira iwe kuverenga zvakanakisisa mari yekuderedza.
Shanda pamwe nemhosva yako . Vazhinji mabhengi ekubvisa mari vachakubvumirai kuti mubhadhara Chitsauko 7 chemari yako nguva, asi inowanzoreva kuti mari yako inofanira kubhadharwa zvakakwana nyaya yacho isati yaiswa. Nokuda kweChitsauko 13 nyaya, zvisinei, mari yemhosva inogona kuiswa mumwedzi wako wega wega Chitsauko 13 kubhadhara. Dzimwe nheyo dzebhengi dzinokubvumira kuti iwe upe Chitsauko 13 nyaya iyo iwe unobhadhara chete mari yako yemhosva yemhosva kune mamwe mwedzi yakawanda, ipapo uchinje nyaya yacho kuChitsauko 7.
Nzira Dzakadzika-Dhura kana Kubatsira Rusununguko
Tora rubatsiro rwakaderera . Kana zviwanikwa zvako zvakaderera, iwe hausi kubasa kana kuti wakagadzikana, iwe unogona kukodzera kubhadharo kana kushandiswa kwepamutemo kwemitemo. Tarisa nemunzvimbo yako Legal Services Corporation kana Legal Aid Society. Nhengo dzakawanda dzenharaunda dzenharaunda dzinoitawo kutumira kune avo varairi vanoda kugovera pachena kana kushandiswa kusununguka mabasa kune vanhu vashoma mari. Kunyange zvikoro zvemitemo zvine kliniki dzepamutemo dzakashanda nevadzidzi vemutemo pasi pekutungamirirwa kwevanyanzvi vezvemutemo.
Usaita Izvi kana Unogona Kubatsira
Iyi inotevera urongwa hwezvokutora zvekupedzisira . Iwe haufaniri kufunga nezvekusarudza izvi kunze kwekuti iwe unenge usingadi kupinza nokukurumidza. Ndapota taura neavo vanokwanisa kubhadhara gweta vasati vatora rimwe rematanho aya nokuti vanogona kukubhadharai kwenguva refu.
Kutora chikwereti chikuru kubhadhara gweta uye kuisa mari . Kana iwe uchifunga kuti iwe unogona kutora chikwereti chebhadharo, chikwereti chekodhi yemotokari kana kufambira mberi kwekadhi rako rechikwereti uye kubudisa izvo zviyero mukunaka kwako, zvingasazoshanda. Kana iwe ukatora chikwereti chekodhi yemotokari, uri kupisa motokari yako uye uchafanira kubhadhara kambani yekwereti yekwereti kuitira kuti motokari ibudiswe chero zvakadaro. Chero chikwereti chaunoshandisa mumazuva makumi mapfumbamwe asati apedza kubhadhara - kana nechinangwa chekuisanganisira iyo kubhadhara - hachifaniri kusunungurwa, uye zvirokwazvo, unogona kurasikirwa nekodzero yako yekubudiswa mune zvimwe zviitiko. Verenga pano kuti udzidze zvakawanda nezvekuti nei ichi chisati chakanaka.
Kubva kubva kune yako 401 (k), yako IRA kana imba yekuenzanisa . Iyi mari ichachengetedzwa ( kuregererwa ) apo iwe uisa chikwereti chekudarika. Kana ukashandisa iyo kubhadhara makosi ako, unogona kutora mvumo yekuregera kwekare kana kuti yepamusoro mabhiridha emitero. Kushandisa zvikwereti zvinoenderana neimba inogona kuisa musha wako panjodzi kana uine dambudziko rokuita zvikwereti gare gare. Chero kana iwe uine chikwereti chemari yakawanda iyo ichabudiswa munyaya yekushungurudza izvi zvinodarika zvisingabatsiri. Tarisa zvinyorwa izvi pamusoro penzvimbo iyo yakachengetedzwa kana iwe ukaisa pasi.
Kudhinda kubhadhara iwe pachako . Izvi zvinonzi kutumira nyaya "pro se" kana "pro per". Kana iwe ukaisa pasina rubatsiro rwegweta, mukana wako wekubudirira kupedza Chitsauko 13 chiri pasi pe1%. Muchikamu Chitsauko 7, mukana wako wekupedzisa kubudirira uri pasi pe50% pasina gweta. Asi izvi zvinodaro pane imwe nzvimbo yenyika mauri uye kuti mutongi wenyu wakabatana sei. Kana iwe uine chikwereti chakachengetedzwa, iwe unofanira kutarisana nezvibvumirano zvekusimbisa iwe pachako, uye kuonekwa pamberi pomutongi we bankruptcy. Kana uine imwe nzvimbo isiri iyo, haufaniri kushanda pamwe nematirastii. Iwe unogona kurasikirwa zvakanyanya kune vako vane chikwereti mune pro se bankruptcy mhosva kupfuura iwe ungadai wakabhadhara gweta pakutanga.
Onawo nyaya inonzi Bankruptcy Petition Preparers .
Yakarongwa naCarron Nicks February 2018.