Chii chinoitika kana vakandimhan'arira uye ndisina mari yekubhadhara? Kana chikwereti chave nemwedzi yapfuura nekuda kwako, waakakweretesa anogona kupa kana kutengesa chikwereti kune wechitatu-bato rezvikwereti rekuunganidza agency, inozoedza kuitora. Muzviitiko zvakanyanyisa zvekusabhadhara, unogona kumhan'arirwa nemutori wechikwereti.
Kana iwe uchinge wakavhiringidzika nezvedare uye usina chokwadi chekuti ungapindura sei, ndokumbirawo uteedzere nhungamiro yakataurwa pazasi. Kunyangwe mhosva yacho iri yechokwadi kana chitsotsi, pazasi pane zvese zvaunoda kuti uzive kana uchimhan'arirwa nemutori wechikwereti.
Zvaunofanira kuita kana mukweretesi wechikwereti ari kukumhan'arira
Tarisa uone nguva yezviitiko
Kana mukweretesi wechikwereti ari kukumhan'arira, iwe unofanirwa kunzwisisa kuti maitiro ese anotaridzika sei, kunyangwe iyo chaiyo nguva yakatarwa ichisiyana kubva pamunhu kuenda kumunhu. Kana chiitiko chako chisingaenderane zvachose nezvakaratidzwa pazasi, iwe unozofanirwa kuongorora chikwereti uye huchokwadi hweiye mutori kuti udzivise chikwereti chekuunganidza chikwereti.
- Iwe unogashira runhare kana tsamba mutsamba kubva kumuteresi kukuzivisa iwe nezvechikwereti kuunganidzwa. Izvi zvinowanzoitika kana chikwereti chiine mazuva zana nemakumi masere apfuura nekuda.
- Mukati memazuva mashanu ekukurukura newe, muteresi wechikwereti anofanira kukutumira tsamba yekusimbisa chikwereti iyo Taura kuti une chikwereti chakadii, zita remukweretesi, uye nzira yekupokana nechikwereti kana iwe uchifunga kuti hachisi chako.
- Kana iwe uchifunga kuti hauna chikwereti chiri mubvunzo, unogona kukumbira iye muteresi tsamba yekusimbisa. Ivo vanofanirwa kutumira tsamba iyi mukati memazuva makumi matatu kubva kuziviswa ziviso.
- Kana chikwereti chako chiri chechokwadi, iwe unofanirwa kupindura kune anotora chikwereti uye gadzira chirongwa chekubhadhara chikwereti. Izvi zvinogona kureva kubhadhara zvizere, kugadzira chirongwa chekubhadhara, kana kutaurirana chikwereti.
- Ukasabhadhara kana kugadzirisa chikwereti, anotora chikwereti anogona kukusungisa. Panguva ino, iwe uchagamuchira chiziviso kubva kudare maererano nezuva rako rekuonekwa.
- Kana iwe ukasaratidza zuva rako redare, dare rinogona kusarudza mukutsigira muteresi.
- Kana izvi zvikaitika, mutongo kana mutongo wedare unozotongwa uchipesana newe. Izvi zvinoreva kuti inogona kushongedza yako mibairo kana kuisa chirevo chinopesana nechako chivakwa. Mutongo wakatemerwa unowanzoitika mazuva makumi maviri mushure mekushandira mhosva.
Pindura
Kana iwe ukave nechokwadi chechokwadi chechikwereti muzvikokorodzano, chinhu chakanyanya kukosha chaungaite ikozvino kupindura kumatare ekuunganidza chikwereti. Kunyangwe zvingave zvinotyisa kuziviswa nezvenyaya yematare, kuifuratira uye uchitarisira kuti mutori wechikwereti haazodzokere zvakare kunogona kukuisa mumatambudziko.
Vanotora chikwereti havasi kuzosiya mhosva nekuti iwe unozvifuratira. Panzvimbo iyoyo, kana ukarasikirwa nenguva dzakatarwa dzekumira mudare, zvichanyanya kuomera gweta rekudzivirira gweta kuti akubatsire.
Pokana nezvinodiwa
Kana iwe uchimhan'arirwa chikwereti uye usingabvumirane nezvose kana chikamu cheruzivo mumatare ekuunganidza zvikwereti, uchafanirwa kufaira mhinduro kumatare edzimhosva. Iwe unozobva wawana mukana wekupokana nezviri mudare redzimhosva kana kukumbira dare kuti rirase zvachose. Kana iwe uri kupokana chikumbiro, tora zvinyorwa zvakaita setsamba yekusimbiswa kuratidza:
- Ndiani akakweretesa
- Kana chikwereti chabhadharwa
- Kana huwandu hwechikwereti chiri chaihwo
- Kana chikwereti chapfuura mutemo wekukanganisa
Unza humbowo hwemitemo yekuunganidza yakatyorwa (kana zvichibvira)
Kana kodzero dzako dzakatyorwa neanotora chikwereti, unofanirwa kuunza humbowo hweizvozvo kudare. Ona iyo Yakakodzera Chikwereti Kuunganidza Maitiro Mutemo ( FDCPA ), iyo Fair Kiredhiti Kodhi Mutemo uye iyo Chokwadi pazvikwereti yezvakakanganiswa. Pasi peFDCPA, semuenzaniso, vanotora chikwereti havagone:
- Taura newe kunze kwemaawa e8 am na9 masikati.
- Kuita kushungurudzwa, izvo zvinogona kusanganisira chero chinhu kubva pakushandisa kusvibisa kusvika kukutyisidzira kwekukuvara.
- Tora chikamu muzviito zvisina tsarukano sekutyisidzira kutora yako imba kana vasina kodzero yepamutemo kana kuisa cheki mushure mezuva rinotarisirwa.
- Bata iwe kana iwe watomiririrwa negweta.
- Ita zvinyengeri, sekumiririra zvisiri izvo zvavari kana kuti une chikwereti chakadii.
Sarudza kana uchibvuma mutongo
Kune nzira dzinoverengeka dzekuenderera kana yasvika nguva yekufunga kuti kana kwete kubvuma chikwereti chekutora chikwereti.
Kuhaya gweta
Kana iwe ukatambira mutongo uye uchinetseka kuti ungahwina sei chikwereti chekutora chikwereti, sarudzo yako yakanaka ndeyekubvunza gweta rekuunganidza zvikwereti. Vazhinji magweta emutemo evatengi vachapa kubvunzana mahara kuti vakurukure zvaunogona kuita newe.
Funga nezvekubvunza gweta rine rezinesi rekuunganidza zvikwereti, sezvo ivo vane hunyanzvi mukuchengetedza zvikwereti uye vangangove vanokwanisa kukupa iwe rakadzama rezano repamutemo.
Kunyangwe iwe usingafunge kuti unokwanisa kubhadhara gweta, iwe unofanirwa kubvunza, sevazhinji magweta ekuunganidza zvikwereti anotora nyaya yako pamubhadharo wakaderera kana mari inopokana.
Bhadhara chikwereti
Mumwe munhu ane chikwereti chepamutemo anogona kuyedza kutaurirana nezvokugadziriswa mukutsinhana kwedare redzimhosva.
Iyo yakanaka sarudzo kune vatengi kana vachiziva kuti vane chikwereti, vanobvumirana nemari, uye vanogona kuwana chimwe chinhu, akadaro Barry Coleman, mutevedzeri wemutungamiri wezano uye zvirongwa zvedzidzo kuNational Foundation yeCredit Counselling (NFCC). Ivo vaigona kugadzikana kwete kuenda kudare.
Coleman akawedzera kuti kune zvekare zvinokurudzira kuti musangano wekuunganidza uite izvi, nekuti kunetsekana nemari yematare edzimhosva inodhurawo kwavari.
Kutyisidzira kubhuroka kunogona kubatsira kana iwe ukafunga kugadzirisa. Izvi hazvireve kuti iwe unofanirwa kufaira kubhuroka, asi kukodzera kubhuroka kunogona kubatsira nekutaurirana kwekugadzirisa.
Kutsvaga kana iwe usingaregererwe
Zvichienderana nedunhu uye nemari yaunokwereta, vanhu vane mubairo wakaringana uye zvinhu vanogona kunge vachiregererwa pakushongedzwa kwemubairo, zvinoreva kuti iwo humbowo hwekutongwa. Bvunza munhu anopa mazano nezvechikwereti, gweta, kana imwe nyanzvi munharaunda yako kuti uone kana uchizadzisa izvi zvinodiwa.
Faira kubhuroka
Imwe sarudzo, zvinoenderana nemamiriro ako emari uye saizi yechikwereti chako, ndeye kufaira kubhuroka.
Kana iwe ukasvitsa Chitsauko 7 kubhuroka, zvese zvikwereti zvako zvinoregererwa uye mutori wechikwereti haazokwanisa kutora kubva kwauri. Kana iwe ukasvitsa Chitsauko 13 kubhuroka, iwe unogona kukwanisa kutaurirana yakanyanya kuderera mari yekubhadhara iye anotora chikwereti, zvinoenderana nemamiriro ako ezvinhu. Paunenge iwe wabhadhara iyo mari yakabvumiranwa, hauchakwanise kuteedzerwa kana kumhan'arwa neanotora chikwereti.
Kufaira kubhuroka idanho hombe remari rine mhedzisiro inokuvadza. Taura nemupi wezano, wezano wezvemari, kana imwe nyanzvi inokwanisa usati waita iyi sarudzo.
Disiki:
Ichi chinyorwa chine ruzivo. Redargentina haipe mutemo wezvemutemo kana wezvemitemo, uye haina kuitirwa kutorwa sezano repamutemo.
Muoni / mushandisi weiri peji rewebhu anofanirwa kushandisa ruzivo rwuri pamusoro chete segwara, uye anofanira kugara achibata masosi ari pamusoro kana vamiriri vehurumende yemushandisi neruzivo rwepamusoro-soro panguva iyoyo, vasati vaita sarudzo.
Zviri Mukati
- Zvaunofanira kuita kana mukweretesi wechikwereti ari kukumhan'arira
- Tarisa uone nguva yezviitiko
- Pindura
- Pokana nezvinodiwa
- Unza humbowo hwemitemo yekuunganidza yakatyorwa (kana zvichibvira)
- Sarudza kana uchibvuma mutongo
- Kuhaya gweta
- Bhadhara chikwereti
- Kutsvaga kana iwe usingaregererwe
- Faira kubhuroka
- Maitiro ekubhadhara Kiredhiti Kiredhiti kadhi
- Mashoko Ekurudziro anogona kuchinja hupenyu hwako
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