Kana iwe uri mune chikwereti uye uchitarisa kufungidzira kubhadhara, iwe unonetseka uye unopesana nekuzvidya mwoyo. Kwete chete iwe unofanira kufambidzana nemari yekuunganidza, asi iwe unofanira kufunga nezvekugona kukanganisa, iyo inogona kuva yakaoma uye inovhiringidza nzira , chii chinoshandiswa kubhadhara mari, uye iwe uchazoita sei mushure mekunge chikwereti chebhengi chapera. Zvisinei, nekunzwisisa zvinotevera zvinomwe zvekushungurudza, iwe uchava wakagadzirira kutora danho rinotevera muupenyu husina chikwereti.
01 Kufungidzira haisi "mukati uye kunze" nzira.
Kana iwe usina ruzivo uye mashandiro ematare emabhengi, ungafunga kuti bankruptcy inoshanda zvakafanana nedare remhosva duku, iro rinopedzisa rimwe zuva. Chitsauko 7 kubhadhara, chinyorwa chinonyanya kushandiswa kwevanhu, kazhinji chinotora kubva pamwedzi mina kusvika kumwedzi. Izvo zvinogadziriswa zvechipiri nechechitatu zvinowanzoiswa muzvitsauko zvekare, 13 ne11, zvinogona kuramba kwenguva refu. Chitsauko 13 kugadzirisa chirongwa chichagara kwemakore matatu kusvika mashanu. Saizvozvowo, Chitsauko 11 nyaya inogona kutsungirira kwemakore maviri kana kupfuura. Iwe unofanirwa kuva wakagadzirira kuisunga kunze kana iwe uchida kuwana mari yekuchiva iwe "kutanga kutanga." 02 Bankruptcy inozarura mari yako kuongororwa nevanhu.
Iwe haunzwisisiki nekungokurukurai mubhadharo wako neshamwari dzako nemhuri? Mukudarika, unofanirwa kuva wakagadzirira kuratidza hupenyu hwako hwemari, zvikanganiso uye zvose, kuvanhu. Kana iwe ukakonzera kubhadhara kuchengetedza, iwe uchazodiwa kuti uise yakawanda mapepa emapepa anonzi shanduro ye bankruptcy . Zvirongwa izvi zvinonyora zvikwereti zvako, pfuma, mari, mari, uye ikozvino kuwedzerwa kwemari. Iwe uchazodiwawo kuti upinde musangano wevakwereta . Munguva yemusangano, mutsigiri we bankruptcy achakubvunza mibvunzo yekuongorora mubhuku revanhu. Chero chero chevako vane chikwereti chinogona kukubvunzawo pamusangano. Kunyange zvazvo bankruptcy trustees kazhinji vanoedza kuchengetedza dare racho seine chiremerera sezvinobvira, musangano ndeyekuenderera mberi kwehuruzhinji uye ichaitwa uri voga kunze kwemamiriro ezvinhu akaoma. Izvi zvinogona kunge zvisinganzwisisiki uye zvinonyadzisa nzira yevanhu vakawanda. Iva akagadzirira kuendesa mari yako yakasvibiswa yakashambadza.
03 Kutendeseka uye kuziviswa zvakakwana zvinodiwa.
Kwose uye kutendeseka zvakakwana ndekwekukosha zvakanyanya mubhengi. Ndiyo nzvimbo yematare ekushungurudza chete uyo ane chikwereti akatendeseka ane kodzero yekuregererwa kwechikwereti. Izvi zvinoreva kuti iwe unofanira kutora zvose zvezvinhu zvako, zvikwereti, uye zvikwereti. Kana kusava kwako kwekutendeseka kunowanikwa, kwete chete iwe unogona kurasikirwa nekudarika kwemari, asi unogona kutarisana nekuongororwa neFBI. Kusatendeka mukubhadhara chikwereti chinopomerwa mhosva yehurumende . 04 Bankruptcy maitiro akaoma uye anoda kutarisirwa zvikuru.
Vanhu vazhinji vanoona kuti mari inoratidzika seyo nyore uye yakananga, sezvo inowanzovakirwa mafomu. Zvinosuruvarisa, mabhizimisi mafomu anowanzoita sekuvhiringidza mitero kunosvika pane "chengeta bhokisi" mafomu. Mafomu ane zvinhu zvakaoma, zvinoratidzika zvinyengeri pamusoro pezvinhu zvemari yako. Zvakakosha kuzvipa nguva yakakwana yekuchera mafomu ekugadzirisa usati wasvitsa bhadha. Iyo inonyanya kukosha inosanganisira Shedules A kusvika J uye Statement yeMari Mari . Munhu ane ruzivo wekushambadzira muchengeti gweta anogona kukubatsira kuti unzwisise ruzivo rwakakosha kuti upedze mafomu uye kuti urege kudzivirira zvinogona kukubhadharira pfuma, mari kana kunyange rusununguko rwako. 05 Kubhadhara kukanganisa ndega.
Kubudiswa kwacho ndicho chinangwa chikuru chekushungurudza. Inogadzirisa vatengi vako kubva pakuedza kutora chikwereti kubva kwauri. Izvi zvinoreva kuti kubhadhara kubhadhara iwe pachako uye kunokudzivirira iwe chete. Haiti kubvisa chikwereti chairo. Somuenzaniso, kana iwe uri wevashandi vekubatanidza mari yechikwereti chemusha uye iwe ukakonzera kubhadhara, chikwereti hachina kubviswa. Munhu anokweretesa anogona zvakare kutsvaka kutora chikwereti kubva kune mumwe mubati wemubhadharo pachikwereti. Izvi zvinonyanya kukoshesa kufungidzira kana iwe uri mubati wekubatana nevomumhuri kana shamwari dzisingatauri kukanganisa. Kuti uwanikwe wakafanirwa nekubudiswa, iwe unowedzera kuva wakatendeseka pamusoro pehupfumi hwako uye kupa hukwikwidzi ruzivo. Kunyangwe mushure mokunge kubudiswa kwako kwakapiwa, kana dare richiwana kuti iwe wakanyengera dare kana vako vane chikwereti, dare rinogona kubvisa kusunungurwa .
06 Kufambisa kubhadhara hakusi nyore.
Kunyangwe iwe ungave uri mune zvemari zvakashata, kufungidzira kubhadhara kunogona kukudhura mari yakawanda. Mari yacho inowanzoenderana kana iwe uchibhadhara gweta kana kuti kwete. Kuchengetedza gweta rekugadzirisa kunogona kutengesa chero kubva kune mazana emadhora emadhora kune zviuru zvezviuru zvemadhora. Zvisinei, kunyange kana iwe uchigadzira uye uine iwe pachako mari yekusvitsa , mari yekutengesa chete inokosha. Vanokweretesa vanokweretesa vanogona kuwana ruzho kubva pamatare ekuisa mari kuburikidza nekukumbira dare rekudarika kuti vaite mari yekuregererwa. Dare richagadzirisa chisarudzo chekuregererwa pamari yako, iyo kazhinji haifaniri kuva yakakura kudarika 150% ye federal poverty level. 07 Kudyesa bankruptcy kunogona kuchinja yako chikwereti kwemakore.
Zvinowanzotora anenge makore maviri kuitira kuti munhu akwanise kubhadhara chikwereti kuti atange kupora kubva muChitsauko 7. Vakawanda vane chikwereti vachakuvhara kunze. Asi, izvozvo hazvirevi kuti haugone kuwana chikwereti. Zvechokwadi, vamwe vanokwereta vanokwidza mukana wekukweretesa mari kune wakamboita chikwereti, uye kukubhadhara iwe premium yepamusoro yekodzero. Iwe uchafanirwawo kushanda pakunatsiridza chikwereti chako chikwereti nekutora zviduku zvekwereti sezvaunokwanisa uye uchiripa zvakakwana maererano nemitemo yayo.