Apo ini ndinopa vanhu vanofunga nezvekuisa pasi, vanowanzonzwa kuti vanonzwa vari voga, vakadzingwa, vasina kumboziva ani zvake akaisa, asina mumwe anotaura nezvazvo. Iko kunogona kunge kutyisidzira kana iwe uchifunga iwe ndiwe chete wakambove wakanyanyisa zvakanyanya kushaya mari yekufunga kubvunza kusunungurwa kwezvikwereti.
Ichokwadi, kubhadhara kunokanganisa mararamiro ose ehupenyu uye zvose zvinowanikwa mari.
Inobata vanhu vakaroorana uye vasina kuroora, uye makore haisi chipingamupinyi. Vakwegura uye avo vanongotanga muhupenyu file bankruptcy.
Nhamba dzinogona kuwanzotipa mufananidzo wehuwandu, asi chaizvoizvo kupararira kwakakura. Ngatitangei nedzimwe nhamba dzinokosha nekuda kwenhamba dzezviitiko zvakaiswa, munyaya ino mugore ra 2016.
| Total Filings | 794 960 |
|---|---|
| Chitsauko 7 | 490365 |
| Chitsauko 11 | 7,292 |
| Chitsauko 12 | 461 |
| Chitsauko 13 | 296 655 |
| Total Business Business Filings | 24,114 |
| Chitsauko 7 | 15,033 |
| Chitsauko 11 | 6,174 |
| Chitsauko 12 | 461 |
| Chitsauko 13 | 2,259 |
| Total Nonbusiness Filings | 770 946 |
| Chitsauko 7 | 475 332 |
| Chitsauko 11 | 1,118 |
| Chitsauko 13 | 294 396 |
Ngatitarisei nhamba idzi sezvikamu zvehuwandu hwemhando imwe neimwe yekushungurudzwa kana tichienzaniswa nenhamba yose yakaiswa muna 2016:
| Chitsauko 7 | 61.68% |
| Chitsauko 11 | 0.92% |
| Chitsauko 12 | 0.06% |
| Chitsauko 13 | 37.32% |
* Nhamba idzi dzinotorwa zvakananga kubva kumishumo yakabudiswa neHurumende yeHurumende yematare eU.S.
Nhamba idzi dzinoparidzirwa nega rimwe rematare ehurumende anotonga mumatunhu makumi mashanu, Washington, DC, uye ndima. Izvo zvinotibvumira kufananidza mamwe mazwi anofadza, kufanana nevanhu vangani vanoisa kana vachienzaniswa nehuwandu hwevanhu. Semuenzaniso, mugore ra2013-2014, nhamba yekusungirirwa kwevanhu 1 000 inokwana 10.8 mune rimwe ruwa rwekutonga muTennessee, asi munharaunda dzakapoteredza, nhamba dzinoratidza 4.3-6.8 kufungidzirwa kwe1 000.
Enzanisa izvozvo neNortheast and Prairie inotaura, apo mabhiiyoni ane chiuru chimwechete pasi 0,6-2.2 pa1 000. IWeb Credit Slips yakabudisa chati ine ruzivo uye urongwa hunoratidza kuisa mahara mumatunhu makumi mapfumbamwe.
Zvakakosha kufungidzira kuti nei kune kuchinja kwakakura kwakadaro mukuisa mafaira munyika yose, uye Mutero Slips anonyora zvidzidzo kana maviri, zvakadai sedzimwe tsika dzomutemo uye kuvapo kana kusavapo kwemitemo yekuunganidza madokora zvakakwana sekugadzirisa.
Tarisa zvimwe zvinyorwa zvekutsvaga paWorld Courts website.
Ndezvipi Zviitiko Zvinotungamira kuBhandi Bhizimusi Filings?
Nokuti kuisa chikwereti chekudarika kunogona kuva chisarudzo chakakura nemigumisiro yenguva refu-yakanaka uye yakaipa-vanhu vari kufungidzira kufambisa mabhiriro kazhinji vanoda kuziva kana zvikonzero zvavo zvekunyora zvikaitika, zvinonzwisisika, kana kuti zvinonzwika.
Chidzidzo che2005 chakashuma kuti 46 muzana yekushungurudzika kwakabatana nechikwereti chechiremba. Ichi chirevo chave chave chichibudiswa nezvimwe zvidzidzo zvakare. Izvi hazvirevi kuti chikwereti chechiremba ndicho chikonzero chega. Pane zvakawanda zvekupa zvikonzero uye kupa zvikwereti. Dzvanya pano kuti uone chati inofadza inoratidza zvikonzero zvakashumwa nemafuta.
Mukuwedzera kune chikwereti chezvechiremba, zvinotungamirira zvinhu zvinoita kuti kubhadhara mafungiro ekubhadhara kunosanganisira kusagadzikana kwebasa uye nhau dzemhuri sekurambana.
Cherechedza kuti zvizhinji zvezvikonzero izvi zvinosanganisira mamiriro ezvinhu iyo firimu yakanga isingagoni kudzora. Maererano nemugumo uyu, 15% chete yemafereji anotaura kuti aifanira kuisa nekuda kwezviito zvavakaita uye zvisarudzo zvavakaita zvakatungamirira kune zvakanyanya kukwereta kadhi rechikwereti, zvikwereti zvakakura zvekubhadhara mari, kana kutengesa motokari yakakura.
Mamwe Mapato
- Vavhidhiyo varoora vakaroora, vane dzidzo yepamusoro, uye vanoita zvishoma kudarika $ 30,000 pagore.
- Muna 2007, avo vaduku vanopfuura 25 vakagadzira zvishoma kudarika 2 muzana yemafuta. Inenge 20 muzana yemafuta ndeye makore 55 kana kupfuura. Nguva yepakatikati inenge inenge 45.
- Vakadzi vane zvishoma kudarika kupfuura varume: 52.4 muzana vs. 47.6 muzana. Vakadzi vanovaka 51% yehuwandu hweUnited States.
- Vanhu vane makore makumi matanhatu nerekare vanoumba anenge 8% emaferesi. Vaya vane makore makumi matatu nevechidiki vanoumba anenge 19% eefree.
Maererano neInited for Financial Literacy,
- 73% yemafuta ane basa kana ari oga
- 27% inoita kudarika $ 30,000 pagore
- 94% vakapedza chikoro chesekondari
- Vanenge 58% vane angare mune imwe yunivhesiti
- 5% vane chikoro chekudzidzira chikoro
- 30% vane makore 34-44
- 14% inoita $ 50,000 kana kupfuura gore
Kuparara kunokanganisa mazera ose emakore uye mapoka ose emagariro evanhu. Zvechokwadi, zviri nyore kutaura kuti hakuna mumwe "muvhareji" kana typical bankruptcy filer. Asi dai taizovaka imwe, iye angangodaro ari mukadzi wepakati-kati, akaroora, Caucasian, nekorojiji, uyo anoita pasi pe $ 30,000 pagore. Kunyange zvakadaro, nhamba dzinobudisa pachena kuti kunze kwemamiriro ezvinhu kupfuura makore, mari, kana dzidzo yepamusoro inoita basa guru mukusarudza kuisa kana kusafaira.