Pawakabudisa chikwereti chako chekubhadhara, iwe wakanga uine chidziro chakasimba mu arsenal yako. Iyo " kugara kamwe-kamwe " yakatanga kushanda panguva yawakaisa nyaya yako. Yakanga iri murairo wakarambidza vanhu vane chikwereti kubva pane kutora chero chiito chekutora chikwereti chako apo iwe wakanga uri kubhadhara. Havana kukwanisa:
- kudana
- ndinokutumirai tsamba, magwaro, kana ma-mail
- kudzorerazve mari yako
- foreclose pamba pako
- pfuurira kana kuisa mhosva
- ivai nechisungo panzvimbo yenyu
- uye mamwe mabasa
Iwe unofanirwa kucherechedza inenge inopera uye yakakosha kudonha mumabasa aya anenge achangosvika. Vamwe vanokweretesa, kunyanya maduku mashomanana e "mama uye pop" uye, pamwe chete, masangano makuru ehurumende, vane dambudziko rokubatanidza zvikwereti zvebhengi uye chokwadi chawakapinda mumasangano avo. Zvinogona kutora nguva, uye dzimwe nguva, zvinoshandiswa nemutemo wako wekushungurudza kana kunyange zvigadziriswa nedare rekudarika kuti unakidze kune chikwereti kukosha kwekuenderera mberi uye chidimbu chekumisa kushungurudzwa.
Dzimwe nguva vashandi havazoregi basa rakaramba richiunganidza panguva iyi, vachifunga kuti richaguma kana kuti harina zvazvinoreva uye hazvina kukodzera kuedza kururamisa. Zvinosuruvarisa, avo vane chikwereti ndivo vanowanzosawana mharidzo zvachose, uye kana kubuda kwacho kwapinda, vacharamba vachiedza kukubhadharai kuti mubhadharwe chikwereti chakabudiswa.
The Discharge Injunction
Apo dare rinopinda mutemo wako wekutsvaga, iyo inongoramba iripo inoshandurwa kuva chigumo chisingaperi zvachose pasi pe USC ยง 524. Izvi zvinoreva kuti mukwereti ane chikwereti akabudiswa haagoni kutora chiito chokuunganidza chikwereti icho. Asi pane mamiriro ayo ayo akakwereta anogona kuramba achikurukura newe uye oedza kuunganidza chikwereti.
Heano zvimwe zvezviito zvinokweretwa zvinogona kutora mushure mokunge bhengi rako rakaiswa kana kuti mushure mekubuda kwako:
- kukurudzira kana kuti kukumanikidza kupinda muchikwereti chitsva kuti utore nzvimbo yekare.
- kuisa chikwereti chakare muchikwereti chitsva (pachinenge chichigadzirisa chikwereti chemotokari)
- kuedza kutora chikwereti chawakabvumirana kuti ubhadhara (pasina chibvumirano chechibvumirano)
- kudana kana kutora zvakanyorwa zvakanyorwa
- kuramba kuramba kuratidza chikwereti sekuregererwa pamushumo wekwereti yako kunze kwokunge iwe uchibhadhara chikwereti
- kukutumira maziso ekuita pane zvikwereti
- kudzorerazve kana kufambisa
- kuisa mhosva
Kuti uzive kuti ndiani ane chikwereti ane kodzero yepamutemo uye kana uyo ane chikwereti ari kukanganisa kupererwa kwemhosva, unofanira kupindura mibvunzo inotevera:
Ko nyaya yacho yakarambidzwa (pane kubudiswa) here? Kana nyaya yacho ichidzingwa panzvimbo yekubudiswa, mukwereti ane kodzero yekuenderera mberi nekuunganidza chikwereti.
Kuparara kwemhosva kunowanzoguma kana kubudiswa kana kubviswa. Kubudiswa kwacho kazhinji kunowanzoitwa, kubvisa chikwereti chemhosva yekubhadhara zvikwereti zvinokonzerwa nekwereti yemakadhi, mishonga yezvechiremba, uye zvikwereti zvemunhu (uye kunyange yemotokari nemari yemusha - ona pasi). Asi zvimwe zviitiko hazviiti kuti zvibudise uye zviripo zvinodzingwa.
Panogona kuva nhamba ipi zvayo yezvikonzero kuti nyaya inodzingwa. Kana uyo ane chikwereti asingakwanisi kupedzisa mapepa ake ehurumende, asingakwanisi kupa mutevedzeri mitero yemitero, haapindi pamusangano wake weChishanu 341 wevatokwereti, kana zvimwe zvinokundikana kana kukaramba kushanda pamwe nematirastii dare rinodzinga nyaya yacho. Chitsauko 13 chirongwa chekubhadhara chikwereti chinogona kubviswa nokuda kwezvose zvezvikonzero izvi, asiwo kana uyo ane chikwereti asingakwanisi kuwana uchapupu hweChitsauko 13 chekubhadhara kana asingakwanisi kubhadhara kana kutora zvimwe zviito zvinodiwa pasi peurongwa hwekubhadhara.
Apo nyaya yacho inodzingwa, nenzira dzakawanda zvingaita sokuti nyaya yacho haina kuzomboiswa munzvimbo yekutanga. Vanokweretesa vanorasikirwa nekuchengetedzwa kwekutsvaga kwega, uye vateresi avo vakagadzika vanogona kudzokerazve kuedza kwavo kuunganidza.
Ko chikwereti chakanga chisina kukwanisika here? Zvimwe zvikwereti hazvizobudiswi munyaya yebhengi. Zvimwe hazvibviri kusunungurwa, uye zvimwe zvichararama chete kana mumwe wemapato achikumbira dare kuti ritaure kuti chikwereti hachigoni kuregererwa. Kurayira kwako kwakabudiswa nedare remhosva hakuzonyora madhora akabudiswa, asi gweta rako richakwanisa kujekesa izvi kwauri. Kana chikwereti chacho chisati chabudiswa, munhu ane chikwereti anogona kudzokerazve kuunganidza mari apo dare rinopinda mukurayira.
Muzvizhinji, zvikwereti izvi hazvizobudiswi:
- mitero yemari yemitero yezvikamu zvitatu zvemakore achangotora mutero
- akapfuura mwana akakodzera kutsigirwa uye alimony
- zvikwereti zvinokonzerwa nekuda kwekutyaira kwako panguva yekudhakwa
- chikwereti chemudzidzi
- mubhadharo uye kubhadharwa mumhosva
Izvozvi zvikwereti hazvizobudiswi kana munhu ane chikwereti achida kubudiswa kwavo:
- zvikwereti zvinobva pamabasa aida uye akaipa
- zvimwe zvikwereti zvitsva zvekukweretesa kwemari yekufambira mberi kana zvinhu zvekugadzirwa kwepamusoro kana mabasa
- zvikwereti nokuda kwekunyengedza, kubvisa, kukanganisa kwefiduciary duty
- zvikwereti zvausina kunyora pane yako bankruptcy paperwork
Ko chikwereti chakabatwa mushure mokunge chikumbiro chebhengi chakaiswa? Kana iwe ukazarura keroti yekwereti kana ukapinda mune chikwereti mushure mekunge waisa chikwereti chako chebhengi, mikana haichazobudiswi uye mukwereti anogona kuedza kuitora kubva kwauri. Kana ukapinda chikwereti ichocho maererano neChitsauko 13 (kutenga motokari itsva, somuenzaniso), iwe uchadikanwa kuisa chikwereti ichocho muChitsauko 13 chirongwa chako. Zvichida iwe ucharipa iyo iwe uchiri munyaya yacho uye usina chinhu chaunogona kupedza pakupedzisira.
Wakatsigirazve chikwereti here? Kunyange imotokari yako neimba yako zvikwereti zvichabudiswa muChitsauko 7, asi wako ane chikwereti acharamba ane kodzero yekutora uye kutengesa dhaka yako. Kana uchida kuchengetedza pfuma iyo inotora chikwereti, uchafanira kuramba uchiripa kusvikira chikwereti chabhadharwa zvakakwana, kunyange mushure mekunge bhengi yako yapera. Iwe uchada kupinda muchibvumirano chekusimbisa icho iwe uye chikwereti unobvumirana kuti chikwereti hachizobudiswi, uye iwe ucharamba uine mhosva kune chikwereti. Kana iwe mushure mokunge usina kukanganisa, mukwereti achave ane ruzivo rwakakwana rwezviito zvekuunganidza sekunge dai chikwereti chakanga chisati chave chikamu chemhosva yebhengi.
Mishonga
Kana munhu ane chikwereti arikukumbira kuti uwane mari mushure mekunge bhengi rako raregererwa, taurirai mubhadhadzi wako wekugadzirisa pakarepo. Gweta rako richakubatsira kuona kana chikwereti chacho chabudiswa. Kana ikasunungurwa, uye uyo ane chikwereti ari kuita kupesana nekuregererwa kwemhosva, gweta rako rinosangana nemunhu ane chikwereti, kana zvisiri pamutemo kana zvisina kurongwa, kuti akumbire kuti chikwereti asiye basa rekuunganidza. Kana uyo ane chikwereti achikundikana kana kukaramba kumira, gweta rako rinogona kukumbira dare kuti rigadzirise zvakare chikwereti chako uye kubvisa chikwereti nokuda kwekuputsa kwayo. Iwe unogonawo kukumbira dare kurongedza chikwereti kubhadhara chero kukuvara kwaungangotambura nekuda kwemabasa ekuunganidza.