Siya kuzama ukunika abanye eluncedo ingcebiso kule tab
Indlela kuziphatha xa akulihlawuli i-creditor, i-installment le bank, i-ezithengiweyo ezirhafelwayo, okanye umthetho oyilwayo: izicwangciso kunye neenkqubo zomthetho defences kuba kuthiXa ufumana ukususela postman, isaziso stock kunye amazwi"isemthethweni amaxwebhu"uza surrender rhoqo panic."Ileta evela enkundleni"kancinci ngoluhlobo incwadi evela irhafu-mandla: nangona engazi kakuhle umxholo, sele uyazi ukuba akasoze abe a ifumana imali okanye Christmas greetings. I-yelenqe"- matyala izenzo", ngokufutshane, asiyiyo ekhatshwe zange iindaba ezimnandi. Kwaye ngubani alifumanisanga ihlawulwe ibhili, i-ezithengiweyo ezirhafelwayo, i-installment kwi-bank, kukrazulwa okanye tenant sele uyayazi, kwi-siseko, oko uyakwazi silindele. Kodwa yintoni isemthethweni intshukumo kuba ityala. Kwaye yintoni zoko. Kodwa loluphi uhlobo isiqulatho kusenokuba umthetho kwiinkundla kuba amatyala. Yintoni njani simele kuziphatha Inkundla amaxwebhu ithunyelwe kwi-debtor kusenokuba kakhulu diverse. Eyona okkt ngala: Ngoko ke zidweliswe inkundla amaxwebhu amatyala, sinako uzibeke zilandelayo imigca nkqo ekukhuseleni ilungelo ukulandela ngokusekelwe umxholo ezi. Ngamanye amaxesha kuya kwenzeka ntoni ukuba, ukuze"persuade"debtor ukuba ukuhlawula isixa-mali ngenxa, creditor ku ukwazisa wena a summons ngaphandle, kodwa ke, naliphi na injongo kuqhubeka nge isihlalo ukuba izakuba kakhulu costly kwaye uneconomical ngokumayela-credit wanika. Oku kusoloko kunjalo kuba ncinane izixa-mali ngathi eyilwayo yemali. I-lender ke, nangona isaziso ye-summons, akunjalo kuqhubeka elandelayo kwinto kuyimfuneko kuba ukusekwa womgwebo, equlathe kwi-ebizwa-"ubhaliso".
Wesaziso ingaba injongo ukwenza psychological uxinzelelo debtor, ithemba ukuba ezi, ukugcina iindleko isihlalo okanye, naliphi na ityala, isigwebo of iindleko yeenkqubo, uthelekiso ngoko nangoko esilindelweyo.
Kwixesha elidlulileyo, abanye ityala uqokelelo iinkampani zithe sanctioned yi-Antitrust igunya kuba isaziso ye-summons e lwabagwebi, kude domicile ye-debtor - nangona incompetent territorially - ukuze discourage nangakumbi the nkqo ekukhuseleni ilungelo le yokugqibela kwaye tyhala kuwe ukuhlawula kwangoko. Kule yokugqibela candelo, siya kugubungela ezinye ngokufanayo iindawo zibekwa kwi circulation yi-abasebenzi umnxeba umbindi we-credit imali iinkampani ukuba cofa i-debtor ukuhlawula kwangoko incutendogli fears enyanisweni non-existent. Okokuqala, bailiff ayikho anticipated nge umnxeba ovela unxulumano lwefowuni embindini, awathi, nangona kunjalo, angabi lumkela wosuku kwaye kumhla apho seizure ngu umhla wama. Phambi seizure, kanjalo, kuyimfuneko ukuba debtor sele ufumene isaziso ka-matyala mthetho efana isihlalo ka-isivakalisi ukuba intlawulo sum okanye injunctive uncedo. Emva koku, kuyimfuneko ukuba kufuneka isaziso ye-komyalelo (apho akavumelekanga ukuba ukusebenza ngaphezu kweentsuku ezingama-). Emva koko igosa wenkundla unako zange intervene kwi ebukeka kwaye surprise. Kwi-inkumbulo, ukuba creditor ngu-a private umntu kukho ubuncinane umda ityala ukuqala foreclosure indlu. Kwemida ingaba zikho, nangona kunjalo, kuba Ingeniso-Arhente Uqokelelo ukuba unako abhalise mortgage kuphela amatyala kwi-eninzi amabini euros, kwaye kuqhubeka elandelayo ufakelo kuphela kuba amatyala phezu amabini euro.
Oku akuthethi, nangona kunjalo, ukuba ufakelo ka-real estate kubaluleke ngakumbi ixesha consuming kwaye expensive zonke iifomu ka-uphumezo kwaye, ke ngoko, isetyenziswa kuphela xa i-credit ka-ethile iqumrhu (umzekelo, amabini euros).
Ungeno lwe-goci mortgage, nangona kunjalo, ingaba kuba psychological ukusebenza ye-stimulus ukuhlawula.
Njengoko siza kuba sele wachaza kwi-unpaid Amatyala: yeyiphi imingcipheko, ngubani intestate akavumelekanga ukuba iintlungu na ngenxa uhlobo isohlwayo ngokungabikho okanye esangezelelweyo kuba hayi xa ebe nako ukuhlawula yayo amatyala. Imithetho kanjalo Xa kuthe intestate kwaye wena musa unako ukuhlawula kuba: yintoni zoko. I-ukona ngu triggered kuphela iimeko - kakhulu efanayo ukuba scam - apho kwesihloko, ngexesha ngokupheleleyo ngobukho hayi zange ekubeni nako ukuhlawula, izivumelwano a ityala, kwaye ingaba yonke into ukuyifihla kwi-creditor ngubani ke ngoko kukhokelele bakholelwa ukuba imali iya kuba ihlawulwe. Lo ulwaphulo-mthetho fraudulent insolvency Kuphela i-non-intlawulo amatyala ngenxa iibhanki nezinye-mali intermediaries entails ubhaliso kwi-isiseko sedata ye-payers. Oku ngenxa, ngoko ke, kuya snaps ukuba onke amanye amatyala ezifana eyilwayo yemali. Kulo naliphi na ityala, emva predetermined ixesha enrolment kwi-database, kubalulekile ecinyiweyo ngokuzenzekelayo, kwaye ndim Ujoseph ndine ukuthengwa ezimbini mobile phones ukusuka Vodafone kunye u sim amakhadi enye ifowuni umgca. Ndaba ukuhlawula amabini ngenyanga nganye umnxeba, endaweni yoko, yokuqala ezithengiweyo ezirhafelwayo waba, kwaye andinayo imali okanye locale ngaphandle kwaye ngoku mna onayo a ebhalisiweyo ileta-matyala isaziso mna uya kuhlawula enye ukuba ziphantsi kum, njengoko ndiya kuba ukwenza umbulelo molo ndiza marco, ndiza emva kwexesha kuba i-installment-mboleko elinesihlanu imihla, credit imali inkampani apho kuya sibhekisele, i-mali kwam, yena threatened esithi, ukuba andenzi ahlawule zingaphelanga iintsuku ezimbini baya thuma mna-zifayili kwenkunkuma, mna kuwazisa ukuba ndine wahlawula zonke singekalindelwa ye-mboleko nkqu ukuba abanye emva kwexesha greetings marco 'Umthetho kuba Bonke' a newspaper waseka yi-avv.
