Kubhuroka kunoshanda sei?
Maitiro ekunyorera kubhuroka muUSA. Iyo kubhuroka idare rinoenderera mberi umo mutongi uye mutongi wedare anoongorora midziyo nezvikwereti zvevanhu nemabhizinesi vasingakwanise kubhadhara zvikwereti zvavo. Dare rinosarudza kana kubhadhara zvikwereti, uye avo vane chikwereti havasisina mutemo zviri pamutemo kubhadhara.
Mitemo yekubhuroka yakanyorwa kuti ipe vanhu vane mari dzakadonha mukana wekutanga patsva. Kunyangwe kudonha kuri chibereko chesarudzo dzakashata kana rombo rakaipa, vagadziri vemitemo vanogona kuona kuti mune hupfumi hwemabhizimusi, vatengi nemabhizinesi anokundikana mune zvemari vanoda mukana wechipiri.
Uye anenge munhu wese anonyorera kubhuroka ane mukana iwoyo.
Ed Flynn weAmerican Bankruptcy Institute (ABI) akaita ongororo yePACER Statistics (yeruzhinji marekodhi marekodhi) kubva Gumiguru 1, 2018 kusvika Nyamavhuvhu 30, 2019, ndokuona kuti paive nezviitiko 488,506 zvekubhuroka muChitsauko 7 chakapedzwa mugore remari iri. Pane idzi, 94.3% yakaburitswa, zvinoreva kuti munhu wacho aive asisamanikidzwa zviri pamutemo kubhadhara chikwereti.
Mhosva 27,699 chete dzakadzingwa, zvichireva kuti mutongi wedare kana trasti akaona kuti munhu anga aine zviwanikwa zvakakwana kubhadhara zvikwereti zvake.
Ivo vanhu vakashandisa iyo Chitsauko 13 kubhuroka , inozivikanwa sekubhuroka kwevanowana mibairo, vaive vakapatsanuka zvakaenzana pakubudirira kwavo. Ingori pasi pehafu yemakumi masere nemakumi masere nemasere nemakumi mana neshanu neChitsauko 13 nyaya dzakapedziswa dzakadzingwa (126,401) uye 157,011 dzakadzingwa, zvichireva kuti mutongi akaona kuti munhu akamhan'arira chikumbiro aive nezvinhu zvakakwana kubata zvikwereti zvavo.
Ndiani anyorera Kubhuroka
Vanhu uye mabhizinesi anonyorera kubhuroka ane chikwereti chakawandisa kupfuura mari yekuvhara, uye havawone izvozvo zvichichinja chero nguva munguva pfupi iri kutevera. Mu2019, avo vakamhan'arira kubhuroka vane chikwereti chemadhora zana nemakumi masere nematanhatu emadhora uye vaive nemari yemadhora zviuru mazana masere nematanhatu, ingangoita makumi manomwe muzana muzana yaive yezvivakwa, kukosha kwayo chaiko.
Chiri kushamisa ndechekuti vanhu - kwete makambani - ndivo vanonyanya kutsvaga rubatsiro. Vakatora zvisungo zvemari senge regeji, mota chikwereti, kana chikwereti chemudzidzi - kana pamwe vese vatatu! - uye havana mari yekuvabhadhara. Paive nemakumi manonwe nemakumi manomwe nemakumi mapfumbamwe nemakumi mana emakesi ekubhuroka akaiswa muna2019, uye makumi mapfumbamwe nenomwe (752,160) akaiswa nevanhu.
Chete 22,780 kesi yekubhuroka yakaiswa nemakambani mu2019.
Vazhinji vevanhu vakamhan'arira kubhuroka vaive vasina kunyanya kupfuma. Mari yepakati nepakati yevanhu 488,506 vakaendesa Chitsauko 7 yaingova $ 31,284 chete. Chitsauko 13 mafirita akafamba zvirinani nemari yepakati nepakati ye $ 41,532.
Chikamu chekunzwisisa kubhuroka kuziva kuti kunyangwe kubhuroka iri mukana wekutanga, zvinokanganisa chikwereti chako uye kugona kwako kushandisa ramangwana. Inogona kudzivirira kana kunonotsa kubviswa kwemba uye kudzoserwa kwemotokari, uye inogona zvakare kumisa kushongedzwa kwemubairo uye zvimwe zviito zviri pamutemo zvinoshandiswa nevanokweretesa kutora zvikwereti, asi pakupedzisira, pane mutengo wekubhadhara.
Ndinofanira Kupeta Rini Kubhuroka?
Iko hakuna nguva yakakwana, asi mutemo wakawanda wechigunwe kuti urambe uchifunga ndewekuti zvinotora nguva yakareba sei kubhadhara zvikwereti zvako. Kubvunza mubvunzo Ini ndinofanira kufaira kubhuroka? Funga zvakanyatsonaka nezvekuti zvinotora makore anopfuura mashanu kubhadhara zvikwereti zvako. Kana mhinduro iri hungu, inogona kunge iri nguva yekufaira yekubhuroka.
Pfungwa iri shure kweiyi ndeyekuti kodhi yekubhuroka yakasikwa kuti ipe vanhu mukana wechipiri, kwete kuvaranga. Kana kumwe kusanganiswa kwechikwereti chemogeji, kiredhiti kadhi chikwereti, zvikwereti zvekurapa, uye zvikwereti zvevadzidzi zvakakukuvadza iwe mune zvemari uye usingaone zvekuchinja, kubhuroka kungave mhinduro yakanakisa.
Uye kana iwe usingakwanise kubhuroka, kuchine tariro.
Zvimwe zvingangoitika zvekusunungura chikwereti zvinosanganisira manejimendi manejimendi kana chirongwa chekugadzirisa chikwereti. Ose ari maviri anotora makore matatu kusvika mashanu kuti asvike pakugadziriswa, uye haavimbise kuti zvikwereti zvako zvese zvichabhadharwa kana wapedza.
Kubhuroka kunotakura zvikwereti zvakakura mukufamba kwenguva nekuti zvinogara pane yako kiredhiti kiredhiti kwemakore manomwe kusvika gumi, asi kune hukuru hwepfungwa uye hwepamoyo paunopihwa kutanga kutsva uye zvikwereti zvako zvese zvabviswa.
Kubhuroka muUnited States
Kufanana nehupfumi, kubhuroka mafirita muUnited States kumuka nekudonha. Muchokwadi, izvo zviviri zvakabatana sepanut butter uye jelly.
Kubhuroka kwakapfuura nekungodarika mamirioni maviri emafaira muna 2005. Ndiro gore rimwe chetero Bankruptcy Abuse Prevention uye Consumer Kudzivirirwa Mutemo. Iwo mutemo wairehwa kudzora mafungu evatengi nemabhizinesi anodawo kungobuda muzvikwereti.
Huwandu hwekutumira hwakadonha 70% muna 2006, kusvika 617,660. Asi hupfumi hwakazopunzika uye mafirita ekubhuroka akasvetuka kusvika pamamirioni 1.6 muna 2010. Vakabviswa zvekare hupfumi hwacho pahunovandudzika uye hwakadzikira hunosvika makumi mashanu kubva muzana kusvika muna2019.
Nzira yekufaira sei kubhuroka?
Maitiro ekunyorera kubhuroka muUSA. Kunyorera kubhuroka inzira yepamutemo inoderedza, kugadzirisa, kana kubvisa zvikwereti zvako. Kunyangwe iwe uine mukana iwoyo zviri kudare rekubhuroka. Iwe unogona kufaira kubhuroka uri wega kana iwe unogona kuwana gweta rekubhuroka. Kubhuroka mari kunosanganisira mari yemagweta uye mari yekufaira. Kana iwe ukafaira kudzoka uri wega, iwe unozosara uine mutoro wemafirita ekubhadhara.
Kana iwe usingakwanise kuhaya gweta, unogona kuve nesarudzo dzemahara mabasa epamutemo. Kana iwe uchida rubatsiro kuwana gweta kana kutsvaga mahara epamutemo mabasa, bvunza neAmerican Bar Association zviwanikwa neruzivo.
Usati wafaira, unofanirwa kuzvidzidzisa pamusoro pezvinoitika kana iwe ukanyora kubhuroka. Izvo hazvisi zvekungotaurira mutongi ini ndakabhuroka! uye kuzvikanda panyasha dzedare. Iko kune maitiro, dzimwe nguva anovhiringidza, dzimwe nguva akaomarara, ayo vanhu nemakambani anofanirwa kutevedzera.
Matanho ndeaya:
- Unganidza zvinyorwa zvemari: nyora zvikwereti zvako, zvinhu, mari, mari. Izvi zvinokupa iwe, chero munhu anokubatsira, uye pakupedzisira dare, kunzwisisa zviri nani mamiriro ako.
- Wana counselling kuraira mukati memazuva zana nemakumi masere ekufambisa. kubhuroka kupa mazano kunodiwa. Iwe unovimbisa dare kuti wapedza zvese zvimwe zvingaitika usati wamisikidza kubhuroka. Mupi wezano anofanira kubva kumupi anotenderwa akanyorwa pane webhusaiti yematare e iyo EE . UU . Mazhinji masangano ekupa mazano anopa ino sevhisi pamhepo kana parunhare, uye iwe unogashira chitupa chekupedzisa kana waita, iyo inofanirwa kuve chikamu chemagwaro aunotumira. Ukasvetuka nhanho iyi, kutumira kwako kucharambwa.
- Faira chikumbiro: Kana iwe usati wahaya gweta rekubhuroka, ino ingave iri nguva yekuzviita. Zano repamutemo hachisi chinhu chinodiwa kune vanhu vanonyorera kubhuroka, asi uri kutora njodzi yakakura kana ukazvimiririra. Kunzwisisa mitemo yehurumende neyekubhuroka uye kuziva kuti ndeapi anoshanda kwauri zvakakosha. Vatongi havagone kupa zano, uye nevashandi vemudare havagone. Kune zvekare mafomu mazhinji ekupedzisa uye nemimwe misiyano yakakosha pakati peChitsauko 7 neChitsauko 13 chaunofanira kufunga nezvacho pakuita sarudzo. Kana iwe usingazive nekutevera nzira dzakakodzera nemitemo mudare, zvinogona kukanganisa mhedzisiro yenyaya yako yekubhuroka.
- Sangana nevakakwereta: Kana chikumbiro chako chikagamuchirwa, nyaya yako inopihwa kumutariri wedare, uyo anomisa musangano nevakakwereta. Iwe unofanirwa kuenda, asi vakweretesi havafanirwe kudaro. Uyu mukana wekuti vakubvunze iwe kana maneja wedare mibvunzo nezvenyaya yako.
Mhando dzekubhuroka
Kune akatiwandei marudzi ekubhuroka ayo vanhu vamwe kana vakaroora vanogona kuisa imwe yavo, yakajairika kuve Chitsauko 7 uye Chitsauko 13.
Chitsauko 7 Kubhuroka
Chitsauko 7 kubhuroka kazhinji ndiyo yakanyanya kunaka sarudzo kune avo vane mari shoma uye mashoma mashoma. Iyo zvakare ndiyo inonyanya kufarirwa fomu yekubhuroka, kuverengera makumi matatu neshanu muzana emunhu akabhuroka zviitiko mu2019.
Chitsauko 7 kubhuroka mukana wekuwana mutongo wedare unokusunungura kubva pabasa kubhadhara zvikwereti uye zvakare wakabvumidza iwe kuchengeta makiyi epfuma anoonekwa seasina kubvisirwa pfuma. Imba isingaregererwe ichatengeswa kubhadhara chikamu chechikwereti chako.
Pakupera kweChitsauko 7 kubhuroka nzira, zvizhinji zvezvikwereti zvako zvinodzimwa uye hauchazofaniri kuripa.
Kusunungurwa kwemidziyo kunosiyana nyika nenyika. Unogona kusarudza kutevera mutemo wenyika kana mutemo wezvematongerwo enyika, izvo zvinogona kukubvumidza kuti uchengete zvimwe zvinhu.
Mienzaniso yezvinhu zvisingabhadharwe zvinosanganisira imba yako, mota yaunoshandisa kubasa, midziyo yaunoshandisa kubasa, Social Security cheki, pensheni, veterans mabhenefiti, hutano, uye mari yekurega basa. Izvi zvinhu hazvigone kutengeswa kana kushandiswa kubhadhara zvikwereti.
Imba isingabhadharwe inosanganisira zvinhu zvakaita semari, maakaundi ekubhengi, masheya ekudyara, mari kana kuunganidza zvitambi, mota yechipiri kana imba yechipiri, nezvimwe. Zvinhu zvisina-kuregererwa zvichadzimwa, zvinotengeswa nedare rakatemerwa bankirapuse mutariri. Mari yacho ichashandiswa kubhadhara mutirastii, kubhadhara mari dzehutongi uye, kana mari ichibvumidza, dzosera vaakakweretesa zvakanyanya.
Chitsauko 7 kubhuroka kunogara pane yako kiredhiti mushumo kwemakore gumi. Kunyangwe ichizove nekukanganisa kwazvino pachikwereti chako, zvibodzwa zvichavandudzika nekufamba kwenguva apo iwe uchivakazve yako mari.
Avo vanonyorera Chitsauko 7 kubhuroka vanozoiswa pasi peUS Bankruptcy Court Chitsauko 7 zvinoreva bvunzo, iyo inoshandiswa kubvisa avo vanogona kubhadhara zvishoma chikwereti chavo nekugadzirisa chikwereti chavo. Iyo bvunzo bvunzo inofananidza mari yemunhu ane chikwereti kwemwedzi mitanhatu yapfuura nemari yepakati (yepamusoro makumi mashanu muzana, yakaderera makumi mashanu muzana) mudunhu ravo. Kana yako mari iri pasi pemari yepakati, iwe unokodzera Chitsauko 7.
Kana iwe uri pamusoro pevapakati, pane yechipiri nzira bvunzo iyo inogona kukukodzera iwe kuChitsauko 7. Yechipiri nzira bvunzo inoyera mari yako kubva kune yakakosha mari (rendi / mogeji, chikafu, zvipfeko, mari yekurapa) kuti uone kuti yakawanda sei mari yaunorasa une. Kana mari yako yaunorasa yakaderera zvakakwana, unogona kukodzera Chitsauko 7.
Zvisinei, kana munhu akagamuchira mari inokwana kuti abhadhare zvikwereti zvishoma nezvishoma, mutongi wekubhuroka haangobvumidze kumisikidzwa kweChitsauko 7. Iyo inowedzera mari yemunhu anenge achikumbira pachikwereti, kashoma kuti vabvumidzwe. Kuratidzwa kweChitsauko 7.
Chitsauko 13 Kubhuroka
Chitsauko 13 account accountruptcy account inosvika makumi matatu nezvitatu muzana yeasina-bhizinesi kubhuroka mafirita. Chitsauko 13 kubhuroka kunosanganisira kubhadhara zvimwe zvezvikwereti zvako kuitira kuti zvimwe zvikanganwirwe. Iyi sarudzo kune vanhu vasingade kupa yavo pfuma kana vasina kukodzera Chitsauko 7 nekuti mari yavo yakanyanya.
Vanhu vanogona kungoisa faira reChitsauko 13 kubhuroka kana zvikwereti zvavo zvisingapfuure imwe huwandu. Muna 2020, chikwereti chemunhu chisina kuchengetedzwa chaisakwanisa kudarika $ 394,725 uye zvikwereti zvakachengetedzwa zvaifanira kunge zviri pasi pe $ 1,184 mamirioni. Iyo chaiyo muganho inoongororwa nguva nenguva, saka bvunza negweta kana chipangamazano wezano kune akanyanya-kusvika-zuva manhamba.
Pasi peChitsauko 13, iwe unofanirwa kugadzira matatu- kusvika mashanu emakore ekubhadhara chirongwa kune vako vane chikwereti. Paunenge iwe wabudirira kupedzisa chirongwa, zvikwereti zvasara zvinosunungurwa.
Nekudaro, vanhu vazhinji havabudirire kupedzisa zvirongwa zvavo. Kana izvi zvikaitika, vane chikwereti vanogona kusarudza Chitsauko 7. Kana vakasadaro, vakweretesi vanogona kutangazve kuyedza kwavo kutora mari yakazara chikwereti.
Mhando dzakasiyana dzekubhuroka
Chitsauko 9: Izvi zvinoshanda chete kumaguta kana mataundi. Inodzivirira maguta kubva kune vane chikwereti apo guta rinogadzira chirongwa chekugadzirisa zvikwereti zvaro. Izvi zvinowanzoitika kana maindasitiri akavhara uye vanhu voenda kunotsvaga basa kumwe kunhu. Paive nemana chete Chitsauko 9 mafirita muna 2018. Paive nemakumi maviri Chitsauko 9 mafirita muna2012, akanyanya kubvira 1980. Detroit yaive imwe yeaya aiseta muna2012 uye ndiro guta gurusa rakamhan'arira Chitsauko 9.
Chitsauko 11: Izvi zvakagadzirirwa mabhizinesi. Chitsauko 11 chinowanzo kunzi kurongwazve kubhuroka nekuti chinopa mabhizimusi mukana wekugara wakavhurika vachigadzirisa zvikwereti nemidziyo yekubhadhara vakweretesi. Izvi zvinoshandiswa zvakanyanya nemakambani makuru senge General Motors, Circuit City, uye United Airlines, asi inogona kushandiswa nemakambani ehukuru hwese, kusanganisira masangano, uye mune dzimwe nguva, vanhu. Kunyangwe hazvo bhizinesi richiramba richishanda panguva yekufira kuita, sarudzo zhinji dzinoitwa nemvumo yematare. Paive ne6,808 chete Chitsauko 11 mafirita muna2019.
Chitsauko 12: Iyo Chitsauko 12 chinoshanda kumapurazi emhuri uye vabati vehove vemhuri uye ichivapa iwo mukana wekuuya nehurongwa hwekubhadhara chikwereti chavo chose kana chikamu. Dare rine tsananguro yakasimba yekuti ndiyani anokodzera, uye zvinoenderana nemunhu anogara achiwana mari pagore semurimi kana mubati wehove. Zvikwereti zvevanhu vamwe, kudyidzana, kana makambani achiisa Chitsauko 12 haigone kudarika $ 4.03 miriyoni yevarimi uye $ 1.87 miriyoni yevaredzi. Chirongwa chekubhadhara chinofanirwa kunge chapera mukati memakore mashanu, kunyangwe hazvo mwaka wemwaka wekurima nehove zvichitarisirwa.
Chitsauko 15: Chitsauko 15 chinoshanda kune anoyambuka muganho insolvency kesi, mune uyo ane chikwereti ane zvinhu uye zvikwereti zvese muUnited States uye mune imwe nyika. Paive nemakumi matatu nematanhatu eChitsauko 15 kesi dzakaiswa muna2019.Chitsauko ichi chakawedzerwa kukodhi yekubhuroka muna2005 sechikamu cheBankruptcy Abuse Prevention uye Consumer Protection Act. Chitsauko 15 nyaya dzinotanga semhosva dzekukwereta mari kune imwe nyika uye dzinoenda kumatare eUS kuyedza kuchengetedza makambani anetswa nemari kuti arege kudzika. Iwo matare eUnited States ano ganhurira chiyero chavo chesimba mune iyo kesi chete kune zvinhu kana vanhu vari muUnited States.
Mhedzisiro yekumisikidza kubhuroka muUnited States
Nheyo yakakosha yekubhuroka ndeyekuti inokupa iwe kutanga kutsva nemari yako. Chitsauko 7 (chinozivikanwa sekubvisa) chinobvisa zvikwereti nekutengesa zvinhu zvisingabhadharwe zvine kukosha kwakati. Chitsauko 13 (chinozivikanwa sechirongwa chakabhadharwa) chinokupa iwe mukana wekuvandudza chirongwa chemakore mashanu kusvika mashanu ekubhadhara chikwereti chako chose uye chengeta izvo zvaunazvo.
Ose ari maviri anotanga kutanga kutsva.
Ehe, kumisikidza kubhuroka kunokanganisa yako chikwereti mamaki. Kubhuroka kunogara pane yako kiredhiti kiredhiti kwemakore manomwe kusvika gumi, zvinoenderana nechitsauko chekubhuroka umo iwe unonyora. Chitsauko 7 (chakajairika) chiri muchiri chikwereti mushumo kwemakore gumi , apo kuiswa kweChitsauko 13 (chechipiri chakajairika) kuriko kwemakore manomwe .
Munguva ino, kubhuroka kunogona kukutadzisa kuwana mitsara mitsva yechikwereti uye kunogona kukonzera matambudziko kana iwe uchinyorera basa.
Kana iwe uri kufunga nezve kubhuroka, yako kiredhiti kiredhiti uye chikwereti mamaki angangodaro atokuvara kare. Yako kiredhiti kiredhiti inogona kuvandudza, kunyanya kana bhadhara zvikwereti zvako nguva dzose mushure mekunyora kubhuroka.
Zvakadaro, nekuda kwemhedzisiro yenguva refu yekubhuroka, dzimwe nyanzvi dzinoti unoda madhora zviuru gumi nezvishanu muzvikwereti kuti kubhuroka kuve kunobatsira.
Iko kubhuroka kusingabatsire
Kubhuroka hazvireve kuti kudzima mabasa ese emari.
Izvo hazviburitse anotevera marudzi ezvikwereti uye zvisungo:
- Federal Mudzidzi Zvikwereti
- Alimony uye kutsigira kwemwana
- Zvikwereti zvinomuka mushure mekunyora kubhuroka
- Zvimwe zvikwereti zvakaitwa mumwedzi mitanhatu zvisati zvanyorerwa kubhuroka
- Mitero
- Nekubiridzira vakawana zvikwereti
- Zvako Zvako Kukuvadza Zvikwereti Uchiri Kutyaira Uchidhakwa
Uye haichengetedze avo vakasaina vakabatana zvikwereti zvavo. Wako waakakwereta akabvuma kubhadhara yako chikwereti kana iwe usina kana ukatadza kubhadhara. Paunopaira kubhuroka, wako waakakwereta anogona kunge achisungirwa zviri pamutemo kubhadhara zvese kana chikamu chechikwereti chako.
Dzimwe sarudzo
Vazhinji vanhu vanofunga kubhuroka chete mushure mekutsvaga manejimendi chikwereti, kubatanidzwa kwechikwereti, kana kubhadhara chikwereti. Idzi sarudzo dzinogona kukubatsira kuti udzore mari yako uye hadzizokanganisa kiredhiti kako zvakanyanya sekubhuroka.
Chikwereti manejimendi ibasa rinopihwa neasina-purofiti ekupa mazano vechikwereti kudzikisira chimbadzo pachikwereti chekadhi rechikwereti uye kugadzira muripo unodhura pamwedzi kuripa. Kubatanidzwa kwechikwereti kunosanganisa zvese zvikwereti zvako kuti zvikubatsire kubhadhara nguva nenguva uye nenguva pazvikwereti zvako. Kubhadhara chikwereti inzira yekutaurirana nevanokweretesa kuti udzikise mari yako. Kana iwe uchibudirira, iwe unodzora zvakananga zvikwereti zvako.
Kuti uwane rumwe ruzivo nezve kubhuroka uye dzimwe nzira dzekuregererwa kwechikwereti, tsvaga rairo yemunharaunda chipangamazano kana kuverenga mapeji eruzivo e iyo Federal Trade Commission .
Zviri Mukati
- Kubhuroka kunoshanda sei?
- Ndiani anyorera Kubhuroka
- Ndinofanira Kupeta Rini Kubhuroka?
- Kubhuroka muUnited States
- Nzira yekufaira sei kubhuroka?
- Mhando dzekubhuroka
- Chitsauko 7 Kubhuroka
- Chitsauko 13 Kubhuroka
- Mhando dzakasiyana dzekubhuroka
- Mhedzisiro yekumisikidza kubhuroka muUnited States
- Iko kubhuroka kusingabatsire
- Izvo hazviburitse anotevera marudzi ezvikwereti uye zvisungo:
- Dzimwe sarudzo
- Zvinodiwa Kuti Utenge Imba MuUnited States - Nhungamiro
- Nzira yekuziva sei kana ndine matikiti emigwagwa muUnited States?
- Yakawanda zvakadii iyo Tattoo inodhura muUnited States?
- Mukoti anowana marii muUnited States? - gwara rakazara
- Iwo gumi nemaviri akanakisa online zvitoro muUnited States
- Nzira yekufona sei zvakavanzika muUnited States? - Zadzisa Nhungamiro