Izinyathelo nezindlela zomthetho zokukhishwa kwezebhizinisi
Ukukhishwa kokungakhokhi kwerenti kumele kube yisinqumo sebhizinisi
Bonke abanikazi bebhizinisi bangabhekana nezinkinga zokugeleza kwemali kusuka ngesikhathi ngezikhathi, kodwa uma umqashi wakho engakwazi ukukhokha intela, noma engazimisele ukusebenza nawe ukuze uthole izinkokhelo zokuqashisa zamanje, awukwazi ukushintsha nje ukukhiya eminyango yabo futhi ubambe ukuphathwa kwebhizinisi labo - kufanele uhambe ngezinyathelo ezithile ukuze uzikhiphe ngokomthetho.
Ngaphambi kokuba unqume ukuxosha umqashi wakho, cabangela izici zebhizinisi. Kuzothatha isikhathi esingakanani ukuqashisa kabusha impahla? Ingabe kuzodingeka ufake imali eningi yokulungisa? Ingabe umqashi unenkathazo yesikhashana yenkampani noma engeke akwazi ukuthola nokuhlala njengamanje ngokuqashisa? Ingabe uzodingeka uye enkantolo?
Uma usuqume ukukhetha okuhle ukuxosha umqashi, ngokushesha uma uqala inqubo ngcono. Usuku ngalunye awukwazi ukuqasha kabusha isikhala ngelinye ilanga ulahlekelwa yimali kuleyo ndawo futhi ubusuku obunye bokulala obulele ukhathazekile ngezinto.
Cishe udinga ummeli
Ukuze uxoshe umninikazi wezentengiselwano ngokungakhokhi intela yakhe, udinga ukujwayelana nomthetho noma ukuqasha ummeli ukukusiza ukuba ufake i-oda lokukhishwa. Indlela oqhubeka ngayo ingase ithinteke nokuthi noma ngabe ibhizinisi liyinkampani, ukubambisana, noma ukuqashiswa kwaqinisekiswa ngumnikazi webhizinisi ngokuqondile.
Ummeli oqashayo kufanele asebenze ngokusemthethweni umthetho webhizinisi futhi ngokufanele kufanele abe ngokukhethekile ekuthengisweni kwebhizinisi lebhizinisi. Amafomu, imithetho, kanye nezinqubo zokuxosha umqashi wokuhlala akufani nalezo zokuxosha umqashi.
Abanye abammeli bakhokhisa imali ephansi, abanye bahamba ngehora, kepha iningi lizokukhokhisa izindleko zenkantolo, izimali zokufaka imali, kanye nesikhathi osichitha ocingweni nommeli kanye nokuthunyelwa kwezindleko nokukopisha amadokhumende.
Ukuze ugweme izindleko ezifihliwe qiniseka ukuthi ubuze mayelana nazo zonke izimali ongazifaka ngaphambi kokuba ugcine ummeli.
Ukuqeda umqashi wokuthengisa kuthatha isikhathi futhi kuvame ukubiza. Uzothola isikhathi esilula sokubonisa ukuthi umqashi usemuva ngemuva kwesikhathi (uyakweleta imali) kunokuba uzenzele enye isivumelwano sokuqashisa. Kodwa kuzo zonke izimo, lapho ukuxosha umqashi, umthwalo wokufaka ubufakazi kuwe ukukhombisa ukuthi unesizathu esithile sokuqala umqashi.
Ezinye zamalungelo abanikazi abaqashiwe abanikezwe ngumthetho kubanikazi bendawo abahlala ezindaweni azitholakali kubanikazi bezentengiselwano. Abanikazi bezentengiselwano basengozini kakhulu yokuxhashazwa kwabanikazi bendawo kunabanikazi bokuhlala, kodwa lokhu akusho ukuthi ungumnikazi wendawo ongaphula imithetho kuhulumeni wakho.
Uma Umqashi Wakho Ufake Ukukhishwa Kwezimali
Nakuba imithetho yokuqashiswa kwezebhizinisi ephathekayo eguquliwe ngo-2005 ukuze inakekele umninimzi, imithetho yombuso ngamunye ingase ishukumise ukuxosha umqashi wezentengiselwano ngenkokhelo yokuqashiswa kwerenti.
Uma umqashi esevele efaka isicelo sokuqedwa ngaphambi kokuba umninimzi ezama ukuxosha ngenxa yokuhluleka ukukhokha intela, ukuhlala ngokuzenzekelayo kumuntu oqashile kuyovimbela umninikhaya ukuba anganikezi umqashi isaziso sokuqeda noma kusukela ekuqaleni kwenqubo yokukhishwa.
Kodwa-ke, umninikhaya angase aqhubekele nokuxoshwa ngokucela inkantolo yase-Federal bankruptcy ukuthi iphakamise ukuhlala.
Ezimweni eziningi, ijaji lizophakamisa ukuhlala ngoba isivumelwano sokuqashisa asinomthelela ekubalukeni kwefa lomqashi.
Uma amafayili omqashi ephoqeleka ngemuva kwenqubo yokuxoshwa kuqala, umthetho we-federal uthintana nomnikazi wendawo. Kodwa-ke, i-handful of states inikezela izinsuku ezingama-30 eziqashisayo kusukela esahlulelweni sokukhishwa kwesigwebo.
Ukuxosha umqashi ovele usethele phansi, noma obani abafakela ukuxoshwa emva kwenqubo yokuxoshwa kuqalile kungaba nzima. Iminye imithetho ivumela abanikazi bezentengiselwano ukuba bayeke inqubo yokuxoshwa lapho inkantolo ibhidlika, futhi ezimweni ezinjalo, cishe njalo kungcono kakhulu ukuqasha ummeli.
Izinyathelo Ezithintekayo Ekuqasheni Ukungahokhi Kwentela
Nikeza Isaziso Sokuzenzakalelayo: Ngisho noma ukuqashisa kwakho akudingi ukuba wenze kanjalo, thumela njalo umqashi isaziso esizenzakalelayo (Isaziso sokuKhuthazwa) esibonisa ukuthi inkokhelo idlulile futhi uzoqhubeka nokuxoshwa uma ukuqashwa kungakhokhwa ngokugcwele ngaphakathi isikhathi esithile (lokhu kungase kube yisikhathi njengoba kuboniswe kwisivumelwano sokuqashisa noma usuku olude ozolikhetha ukunikeza isikhathi esengeziwe kumqashi ukuthi akhokhe.)
Ungamkeli Ukukhokha Okuyingqayizivele: Ngokommeli wezomthetho waseMinnesota, u-Jacob C. Hendricks noJon L. Farnsworth baxwayisa ngokuthi, "Abanikazi bezindlu bangabathethelela ngokungazenzisi ukuphulwa futhi bavinjelwe ekuxosheni abaqashi uma kutholakala inkokhelo encane yokuqasha. uyamukela okhiye abaqashile ngaphambi kokuba kuqedwe isivumelwano futhi ngaphandle kwanoma yisiphi esinye isivumelwano esibhaliwe singavunyelwe ukuqoqa isaphulelo esizayo kumqashi. "
Qala Inqubo Yenkantolo: Uma usuku olunikeze umqashi wakho ukuba akhokhe ngokugcwele luphelile, ummeli wakho uzosiza umqashi ngesaziso sokukhishwa ngokusemthethweni kanye nefayili enkantolo ukuhlela ukulalelwa kwecala.
Ijaji lingabusa ukuthi umqashi kufanele aphumele impahla ngokushesha, noma angabanika izinsuku ezimbalwa. Ijaji lizobusa futhi linike umqashi ithuba lokukhokha isikweletu sesikweletu ngokuhamba kwesikhathi. Umqashi angabhekwa ngokwezimali ngemali yokulahleka kwerenti kuze kube yilapho isakhiwo sesiqashiswa futhi.
Kuzo zonke izimo lapho ubhekene nokukhishwa kwesinye isiqashi esihle sokukhokhelwa kwemali engenayo, kuwukuhlakanipha ukucabangela amathuba okuba umqashi abanjwe ekuqashweni kwabo. Uma ucabanga ukuthi umqashi angasebenza nabo. Uma ungaqiniseki, ungakwazi noma uzimisele ukuthatha leyo ngozi, qalisa inqubo yokukhishwa ngokushesha. Uzozenza ngokwakho, futhi umqashi ngoba ngokushesha ungaqashisa umnikazi komunye umuntu, uhola imali, futhi umqashi uzobe enesibopho sokuthi "ukulahlekelwa kwesikweletu esizayo" esingaphansi.