Thetha noMmeli woKhuselo lweNqanawa ye-NJ

Njani ukuvezwa kwekhaya le-NJ / iNew Bankruptcy ichaphazela njani inqanaba lakho letyala?

Ukuchazwa kweNtshukumo eNtsha yaseJamani kuneempembelelo zakho zeSchool Card

Abantu abaninzi babuza ukuba ukubhenca kuchaphazela njani amanqaku akhe. Bakwabuza ukuba ukungabinamali kuchaphazela njani amanqaku okuthenga ngetyala? Zombini ezi meko zinefuthe elahlukileyo ngaphezu koNqaku lokuthenga ngetyala. Ukuhamba ngaphezulu kwezinto onokukhetha kuzo kunye nokuchaphazela kunokukunceda ukuba uthathe isigqibo sokuba loluphi uhlobo lwesicwangciso ofuna ukusenza.

Ukuchazwa kwempembelelo kwikamva lakho

UkuBoleka yaqokelela idatha kubantu abaninzi ababechazwe kwangaphambili kunye nefuthe abalibonileyo. Ukuboleka umthi kuxelwe, "Kwi-2018, bekukho ngaphezulu kwamakhaya e-600,000 evekini e-US Le yeyona iphantsi kakhulu kunxinzelelo lwezezimali xa ukubikezela kufikelelwe kwizigidi ze-2.9 kwi-2010. Yeyiphi epeyinta umfanekiso ocacileyo kunabantu abaninzi baseNew Jersey abajongane ne-1 ephantse ye-% yazo zonke izindlu ze-NJ kwindawo ethile yokuvezwa kwaye isemi I-10 ephezulu ithi inamba yokuxelwa kwangaphambili.

UkuBonelela "iziphumo eziphambili" akumangalisi. Amanqaku etyala kwi-avareji athabathe idiphu enkulu kwiimeko ezininzi (i-150 + amanqaku), emva koko aqala ukuphucula ekuhambeni kwexesha. Ngokombono wam ubuqu inkampani yam ibinabaxumi ekubonakaliseni ukuba ngenxa yokungabanjwanga kwimali mboleko ayichukunyiswanga yifilim ebonakalayo, ngelixa ngamanye amaxesha abathengi abohlukeneyo babesala behlawula ezinye iimali eziye zachaphazela amanqaku abo. Ke, ulindelo kukuba xa uphuthelwa kwiintlawulo zakho ukuba ngaba intlawulo yemali mboleko okanye ityala lekhadi lokuthenga ngetyala liya kuhla, kwaye ke uyaphola ukuba usebenzisa ikhredithi yakho ngobulumko.

Ngokusisiseko ukubonwa akusayi kutshabalalisa ityala lakho ngonaphakade kwaye ekugqibeleni kuya kuyeka ingxelo yakho yamatyala emva kweminyaka ye-7. Sinikezela ngenkqubo ebizwa I-7 inyathela inqanaba letyala le-720 enceda abantu ukuba baphinde bakhe amatyala abo ngokukhawuleza ngokuchaza ukuba zingakanani iinkqubo zokwenza ingxelo zamatyala.

Ukuchaphazeleka kweempembelelo kwikamva lakho

Ukubhanga kuqhele ukwenza ngendlela efanayo nokuxelwa kwirekhodi yomntu, kodwa kwimeko yesahluko 7 kuya kuba kwingxelo yekhredithi yeminyaka ye-10. Kwaye, kwakhona, kuyenzeka ukuba uphinde wakhe amatyala umntu emva kokubhengezwa ngaphakathi kwi-2 iminyaka ukusuka kwi-bankruptcy discrarge.

Ukubhengezwa njengongenakusebenza kusebenza kwifayile ngelixa ukubhencwa kusisiqhelo. Ukuhlawula amatyala kususa amatyala kwaye kwenza kube lula ukuba umntu ahlawule amatyala kwixesha elizayo. Isiseko sokuseta kwakhona imali esivumela umntu ukuba abeke kwakhona imali yakhe ukwenza lula ukuya phambili.

Sinikezela ngemizekelo yamanqaku okuthenga ngetyala achazwe kwangaphambili (Zonke iinkcukacha ezichongiweyo zisuswe ngenxa yabucala.) Kuthi I-7 inyathela inqanaba letyala le-720 Inkqubo yabathengi esibe nayo kwaye amanqaku abo anokuqikelela ukuba angangunyaka omnye emva kokuba ebhengeziwe.

Impembelelo yamanqaku aphantsi oMbane = Amanqanaba aphezulu enzala

Ingxelo yangaphambili yokuBolekisa ingxelo ibonakalisile ukuba ababolekisi abanamanqaku okuthenga ngetyala ngaphezulu kwe-740 kunye nembonakalo yangaphambili kwiminyaka emibini edlulileyo bahlawula umyinge ophakathi we-5.02% xa kuthelekiswa nalabo abangazange baphinde babonakale okanye babonakale ngaphambili Ipesenti ye-4.7.

Ke nabantu abanophawu olukhulu lokuthenga ngetyala basazimanya ngenxa yokuxelwa kwirekhodi labo. Imali ebolekwe $ 500,000 ine- $ 1600 kwimali yenzala ethe kratya kunyaka wayo wokuqala wabantu abanenqaku le-740 + xa kuthelekiswa nalabo abangachazwanga.

Nangona kunjalo, nokuba ungaze ubonakale kwangaphambili akuyona inqaku lomlingo ngenzala yemali mboleko ephantsi. Umntu othile onenqaku le-640-670 letyala ongazange abonakale ngaphambili okanye ukubikwa kwakungekho kwiminyaka esixhenxe eyadlulayo wayefumana umndilili we-5.3%. Lo mahluko we- $ 1400 kumdla ongaphezulu komntu onesikweko esifanelekileyo sokuthelekisa umntu onetyala elikhulu kunye nokuchazwe kwangaphambili.

Ukuba ufuna ukuya kuzo zonke iinketho zakho kuya kufuneka uthethe no Igqwetha laseNew Jersey lokuBhencwa ukuya kuzo zonke iinketho zakho. Igqwetha liya kuhlonela ubumfihlo bakho, liphendule kuyo yonke imibuzo yakho, liphonononge zonke iinketho zakho ezinxulumene nobambiso lwakho, xoxa ngeendlela ezinxulumene nobunzima ojamelana nabo ngaphandle kokugweba. Nxibelelana nathi namhlanje ukuya ngaphezulu kwezikhetho zakho ezinxulumene nemali mboleko yakho ngoncedo lwenene. Oku akuchithi mali. Yiza kwenye yethu Iiofisi ezintsha zaseJersey, okanye usitsalele kwi (844) 533-3367.

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