Kubiza malini ukuqasha ummeli ukuthi afake ukuqothuka?

Ngabe ukuqothuka kuyawachitha yini amaphuzu esikweletu futhi kubiza malini ukuqasha ummeli ukuze afake imali yokuqothuka?

Kubiza malini ukufaka ukubhanga? Futhi, ingabe ukuqothuka kubhubhisa isikweletu sami?

Sawubona, igama lami nginguDerek Soltis. Ngingummeli lapha emahhovisi ezomthetho ePatel, Soltis & Cardenas.

Zonke izinsuku ngithola imibuzo emibili.

I-1. Ngabe ukuqothuka kuzokonakalisa isikweletu sami futhi

I-2. Kubiza malini ukufaka ukuqothuka?

Ekuze kulimaze isikweletu sakho noma isikweletu sakho. Ngokushesha nje lapho uthola ukulahlwa kokuqothuka kwe-7 ukuqothuka ngokujwayelekile uzoqala ukuthola okunikezwa kwamakhadi wesikweletu eposini nokunikelwayo kubathengisi bezimoto. Ngani, ngoba awukwazi ukuthola omunye umsebenzi wokuqothuka weminyaka ye-8. Ngakho-ke, noma yini oyenzayo ngesikweletu akunakwenzeka ukuthi uphume nayo ngokugcwalisa okunye ukuqothuka.

Ekufikeni kwezikolo zesikweletu, isikolo sakho singakhuphuka, sehle, noma sihlale sinjalo. Ngizokunikeza izibonelo ezinokusiza okubonakalayo. Inkampani yami ithola umbiko ohlanganisiwe wesikweletu ovela KU-Cin Legal odonsela yonke imininingwane yakho kusuka ku-Experian, Transunion, Equifax, ne-Lexis Nexus. U-Lexis Nexis mhlawumbe okuthile ongakaze ezwe ngakho, kepha kuzobandakanya imininingwane engaphezulu ke umbiko ojwayelekile wesikweletu, futhi kusisiza silungiselele wonke amafomu aqala ukufakwa ukuqothuka. Bona isixhumanisi sekhophi eyisampula: https://www.cinlegal.com/wp-content/uploads/bcr-premium-joint.pdf Lo mbiko uzofaka nesikweletu sakho samanje nesibikezeli sokuthi ibanga lakho lesikweletu lizobukeka kanjani ngemuva konyaka wokugcwaliswa okulungiselelwe nguMchwepheshe Wezikweletu. Ngifaka isixhumanisi kumbiko oyisampula

Ngiphinde ngibe nevidiyo engene ekujuleni kwemibiko futhi ngizokhombisa inqwaba yamakhasimende imininingwane yawo ibuyiselwe emuva futhi ngizokunikeza ngamafuphi umbono wawo ngaphambi nangemuva kwesikweletu. Chofoza lapha:

Uma nje ufuna inkampani yami idonse lo mbiko futhi icele ummeli akuchazele yona, sikukhokhisa u- $ 257 ukuthi wenze lokho, kepha uma usuqasha ukuthi senze ukuqothuka kwakho okufakiwe emananini asikhokhayo.

Manje ke kuqhubeke kwezinye izindleko. Isahluko se-7 Imali yokugcwalisa nenkantolo yokuqothuka yi- $ 335. Lokhu kungahanjiswa ngaphansi kwezimo ezithile. Inkantolo izokuvumela ukuthi ukhokhe le mali ngokuhamba kwesikhathi.

Kukhona futhi nezigaba ezimbili okudingeka uzithathe. Elinye ngaphambi kokugcwaliswa kokuqothuka futhi elilodwa ngemuva kokufaka. Kokubili kungenziwa ku-inthanethi noma ocingweni. Ungathatha ngisho nenkambo kwiselula yakho uma uthanda. Izifundo ezibiza kakhulu esizitholile zingama- $ 9.76 lilinye. I-Ccadvising.com yezifundo zokuqala ne-Beadviser.com kwesesibili.

Uma ungumnikazi wepropathi efana nendlu, i-CMA idinga ukulungiswa. Lokhu Ukuhlaziywa Kwemakethe Yabathengi ngenani lempahla elungiswe ngumthengisi wezezindawo. Imvamisa lokhu kubiza u- $ 150 uma kufanele siqashe othile, kepha uma wazi ukuthi umthengisi angakwenza lokhu mahhala. Futhi, cishe noma yimuphi umthengisi uzokwenza lokhu mahhala uma uvuma ukuklelisa indlu yakho nabo noma kungaphansi kwamanzi.

Uzodinga futhi ukuthola ikhophi yombiko wakho wesikweletu. Ungazithola mahhala https://www.annualcreditreport.com . Uma ufuna ukulungisa isikweletu sakho lena indawo yamahhala ongayiqala. Singasiza futhi ngokulungiswa kwesikweletu ngaphambi noma ngemuva kokukhululwa kokuqothuka. Sibhalisela abantu izifundo ezithiwa izinyathelo ze-7 eziya ku Isikweletu se-720 lokho kuzokuhamba ngezinyathelo zokuthola isikolo sakho sifike ku-720 2 kuya eminyakeni eyi-3 ngemuva kokufaka imali yokuqothuka. Le khosi ithengisa ngo- $ 1000 ku- 720creditscore.com Nginenye ividiyo kulokho = = è

Enye into esizoyenza ukusiza ngokulungisa isikweletu izinyanga eziyi-6 ngemuva kokuphela kokuqothuka kwakho, sinikhiphe umbiko wakho wesikweletu https://www.annualcreditreport.com. Sinesigungu sokumele sikubukeze lokho futhi siyobe sesifaka icala lokuthi noma yini embikweni othile ilungiswe uma kubikwa ngokungalungile. Kungani ngoba bazohlawuliswa enizokuthola, futhi inkampani yami yenza imali yommeli.

Uhlelo Lokukhokha Lokuqothuka Nezimali Ezisemthethweni

Sekukonke imali yethu ekhokhwa ngokusemthethweni yi- $ 2,444 yesahluko 7. Ingeza imali yenkantolo engu- $ 335, kanye nezigaba ezimbili. Ingqikithi yi- $ 2799.52 ongayikhokha ngaphezulu konyaka. Kodwa-ke, ngemuva kwenkokhelo yokuqala, sizofaka ukuqothuka kwakho, futhi ungayeka ukukhokha amakhadi akho esikweletu kanye nezikweletu zezokwelapha. Senza izinhlelo zokukhokha kanjena njengoba abanye abantu bephule kakhulu imali yokuqothuka, futhi besikwazi ukukhokha kuphela ngemuva kokuyeka ukukhokha wonke umuntu lokhu kufaka phakathi ukuhlobisa kwamaholo, izinkokhelo zamakhadi wesikweletu, izikweletu zezempilo, kanye nezinkokhelo zemalimboleko zabafundi. Njengombhalo oseceleni wemalimboleko womfundi uvame ukungathetheleli ngokuqothuka, kepha ngenkathi kusahluko se-7 ukuqothuka akufanele ukhokhe.

Uma unemali eseduze futhi ufuna ukukhokha yonke into ngaphambili sizokhipha i- $ 699 kukhokhwa imali yethu futhi ukhokhise u- $ 2100 ngaphambili ukuze umboze konke. Ngeke sifihle imali noma sikushayele ukuthola imali eyengeziwe noma izindleko ezenziwe.

Siletha inani elithe xaxa kunabameli abaningi. Sidonsa umbiko wakho wesikweletu bese sihlaziya isikweletu sakho ngaphambi kokufaka ngenkathi abanye abameli bezokwenza ukuthi wenze umsebenzi esivame ukukukhokhisa u- $ 257 d uma ungafaki imali yokuqothuka kodwa okubandakanya, ukhokhe imali yokugcwalisa $ 335 enkantolo abameli bazokukwenza uphume ephaketheni ngalokhu ngaphambi kokufaka kodwa sizokukhokha, sikhokhela womabili amakilasi okufanele uthathe u- $ 20, sikusayinisele isifundo se- $ 1000 ukulungisa isikweletu sakho ngemuva kokuqothuka kwakho, nangemva kwalokho ukuqothuka kwakho kuhlinzeka ukumangalela abakweletayo ukuze uqiniseke ukuthi umbiko wakho wesikweletu awunabala. Ngakho-ke sifaka ngaphezulu kwe- $ 1500 kumasevisi angezwe ngenani futhi sisebenzela ukulungisa isikweletu sakho ngenkathi abameli abaningi benza okuncane kakhulu ukufaka ifayile yokuqothuka bese bekhokha imali.

Ukukhetha kwakho $ 2100 phambili, noma $ 2800 ngaphezulu konyaka. Ukukhokha kwe-4 kwe- $ 300 kulandelwa ukukhokha kwe-8 kwe- $ 200. Sizofaka ngemuva kokuthi ubeke phansi inkokhelo yokuqala.

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Isiqu Sokuqothuka

Isiqu Sokuqothuka

Kungani ucabanga ngokuqothuka?
Khetha konke okusebenzayo
Amanani ahlukene wesikweletu aphathwa ngendlela ehlukile yiSahluko 7, i-11 noma i-13 yokuqothuka kwemali.
Wake wafaka imali yokuqothuka esikhathini esedlule? *
Uma uvame ukuthumela imali kwilungu lomndeni noma ukhokha uxhaso lwe-alimony noma ukwesekwa kwengane kungaba lula ngawe ukuthi ufanelekele ukuqothuka.
Uma ushadile futhi oshade naye ehlala nawe, imali yakho yomlingani ifakiwe ekuqothulweni kwemali ukuthola ukuthi ufanelekile yini esahlukweni 7 noma uma kufanele wenze uhlelo lokukhokha ngaphansi kwesahluko 13 ukuqothuka, noma kunjalo umlingani wakho AKUFANELE fayela nawe.
Ukuqothuka akuyona into eyodwa elingana nalo lonke uhlelo futhi kuthatha okungaphezulu kwekhasi le-automated ikhasi ukunikeza izeluleko zomthetho.
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