Babonakala bexhala malunga neNgxelo yokuTyala
Umqashi obonakala engathandabuzekiyo ngokuvuma ukuthenga ngetyala kungenanto yokufihla.
Bangenelwa kukuba uya kufumana into engafanelekanga kwingxelo yabo yebhanki njengemilinganiselo engabikho kwemali, inani elikhulu lamatyala, i- bankruptcy yangaphambili okanye kwimbali yokukhutshwa.
Awuvumelekanga ngokusemthethweni ukuba uhlole ingxowa yemboleko ngaphandle kokuba umfaki sicelo avume ngokubhaliweyo. Ngoko ke kufuneka uvumele umnini-mhlaba ukuba ukuba akukuvumeli ukuba uhlole i-credit credit, uzakufuneka uwasuse kuloluhlu lwabaqeshi bepropati yakho.
Banobuhlwempu / I-Bankruptcy
Nangona umqashi ovumelekile ukuba ahlole i-credit credit, akuthethi ukuba uya kuthanda into oyifumanayo. Ukuba umqashi unenkathazo yokuhlawula iindleko zabo ngexesha elidlulileyo, umlinganiselo wabo wekhredithi uza kubonisa oku. Kukho ithuba elinamandla ukuba umqeshi onenkathazo yokuzalisekisa iimbopheleleko zabo zangaphambili zemali uya kuba nobunzima obufanayo ukwenza inkokhelo yabo yenyanga yokuqeshisa kwixesha elizayo.
Umqashi ongenako ukulungisa iingxaki zabo zezimali mhlawumbi uye wafika ekumemezelweni kwebhanki.
Ukuba ukufakela i-bankruptcy kufutshane kwakusandul 'umva, iimali zomqeshi zisenokuba zihlala. Unokuba lunyanzelekile xa ukufowunelwa bekuyiminyaka eyi-10 eyadlulayo, kuba umqeshi unelungelo elaneleyo lokuba abuyele ezinyaweni zakhe, nangona kunjalo kubonisa ukuba banako ukwenza ukhetho lwemali olubi.
Unayo Imbali Yokuxhatshazwa
Ukuba ufumene ukuba umqeshi oza kuba nomlando wokukhutshwa, mhlawumbi ngokukhangela ingxowa-mboleko okanye ngokuthetha nomnini wendawo wangaphambili, kufuneka usebenze ngenye indlela.
Ukuchithwa kungadluliselwa ngezizathu ezahlukeneyo, kodwa isizathu esona siqhelekileyo singenxa yokuhlawulwa kwemali yerenti.
Ufuna ukunqanda ukuqashwa kwabaqeshi abanokuxoshwa kwangaphambili. Laba baqeshi bavame ukunikezwa ithuba lokuphuma ngaphambi kokuba baxoshwe. Kunoko, abaqeshi baphulaphula ngokungahambisani nemigqaliselo yesivumelwano sabo sokuqeshisa, kodwa benqaba ukushiya de baqeshwe ngokomthetho ngaphandle.
Banobugebengu
Uninzi luyakuvumela ukuba unqabe ithemba elisekelwe kwimbali yolwaphulo-mthetho, kodwa abanye bathi, njengeCalifornia, akukuvumeli ukubandlulula abantu abaye bathotywa ngamacala athile angenziwanga. Ngokomzekelo, njengomnini-mnini unokwenza ityala elinamandla ukuba ungavumi ukurenta umntu ofunyaniswe enecala lokusebenzisa iziyobisi okanye owonayo obhalisiweyo ngenxa yokufaka abanye abaqashi bakho engozini. Unokuba nexesha elikhuni ukwenqaba ukurenta umntu oya ejele ngenxa yamatishi okupaka angakhokhelwa.
Baqamba Amanga Ngezenzo Zabo
Le yilapho kubaluleka khona inkqubo yokucoca ngokuqeshisayo. Ukuba uthabatha igama lomqashi kwaye ungaphindi uhlolisise isicelo sakho ngoba yonke into ibonakala ilungile ephepheni, unokuzibeka kwiintlekele. Awusoze wazi ukuba umqeshi uyinyaniso ukuba awuhambanga.
Kufuneka uqinisekise yonke into kwisicelo sakho. Hlola kunye neenkcukacha zomsebenzi wangaphambili kunye nabanikazi bezindlu. Qinisekisa iidilesi zangaphambili. Qinisekisa ingeniso yabo ngokuqokelela ifom yabo ye- W2 kunye nokuthumela isicelo sokuqinisekiswa kweNgqesho kumqeshi wabo oqeshwe ukuba baqinisekise ukuba bayasebenza apho kunye nexabiso labo lokuhlawula. Umfaki-sicelo unokuthi bayenza i-$ 2000 ngenyanga, kodwa bengenakuqinisekisile le ngeniso, abanakwenzela nantoni na konke oyaziyo.
Abantu benza iimpazamo, ngoko kubhala inombolo engalunganga yesitalato, kodwa igama elifanelekileyo leetrato kunye needolophu, mhlawumbi kwakuyimpazamo ethembekileyo. Nangona kunjalo, ubuxoki obunqabileyo kwisicelo, njengokuqamba amanga malunga nomsebenzi wabo, kufuneka kube yiflegi ebomvu ukuba lixesha lokuhambisa ukuya kumceli olandelayo.