He aha kāu e ʻike ai e pili ana i nā helu aie a me ka panakalupa

Na Tonya Sams

ʻIke ka hapa nui o nā mea kūʻai aku hiki i nā helu hōʻaiʻē a me nā banekorupa ke hoʻopilikia i ko lākou ola kālā akā ʻaʻole maopopo lākou pehea. Hiki i nā helu hōʻaiʻē ke hoʻoholo inā hiki i kekahi ke loaʻa i kahi hōʻaiʻē a inā he haʻahaʻa a kiʻekiʻe paha kā lākou uku paneʻe. Aia kekahi mau mea e ʻike pono ai nā mea kūʻai aku e hoʻomau i kā lākou kālā.

ʻO kekahi wahi e huikau ai ka poʻe kūʻai, ʻo ia ka hoʻopaʻapaʻa ʻana i nā ʻokoʻa ma kā lākou hōʻike hōʻaiʻē.

"Hiki iā ʻoe ke kākau i kahi leka i nā ʻoihana hōʻaiʻē ʻekolu - Equifax, Experian a me TransUnion - e pili ana i nā palapala e hōʻike ai i nā bureaus he hewa ʻole kā lākou hōʻike," wahi a Matt Alden, he Loio Nui ma ka Economic Justice Group ma The Legal Aid Society of Cleveland. “E loaʻa i nā ʻoihana hōʻaiʻē he 30 mau lā e noiʻi ai i ka nīnau a kākau i kahi pane i ka mea kūʻai aku e ʻōlelo ana e holoi, mālama, a hoʻololi paha i ka hewa ma ka hōʻike. Inā ʻaʻole e hoʻololi nā ʻoihana hōʻaiʻē i ka ʻike hewa, hiki i ka mea kūʻai ke hoʻolimalima i loio a pane i nā bureaus e like me ka Fair Credit Reporting Act.

Hiki i nā huki hōʻaiʻē ke hoʻopili i kāu helu ʻaiʻē. Hana ʻia nā huki paʻakikī inā makemake ʻoe e hōʻaiʻē kālā mai ka mea hāʻawi kālā no nā kaʻa a me nā hōʻaiʻē home a i ʻole ke noi ʻana i nā kāleka hōʻaiʻē hou. ʻO ka nui o nā huki paʻakikī hiki ke hōʻemi i kāu helu ʻaiʻē. Hana ʻia nā huki palupalu i ka wā e huki ai kahi hui i kāu hōʻaiʻē e hōʻoia i kou inoa, helu wahi, mōʻaukala hana, mōʻaukala uku, inā ʻoe i waiho no ka panakalupa a ʻoi aku. Hana ʻia kekahi mau huki palupalu me ka ʻae ʻole o ka mea kūʻai. ʻO kahi laʻana o kēia ke loaʻa iā ʻoe ka leka mai ka ʻinikua kaʻa a me ka home, kāleka hōʻaiʻē a me nā hui hōʻaiʻē. Ua huki mua kēia mau ʻoihana i kāu hōʻaiʻē e hoʻoholo ai ua mākaukau mua ʻoe no kā lākou hāʻawi. ʻAʻole pili nā huki palupalu i kāu helu ʻaiʻē.

ʻO kekahi wahi a nā mea kūʻai e hakakā nei me ka banekorupa.

"Pono ʻoe e waiho no ka panakalupa inā kokoke e hoʻonani ʻia kāu uku, ke alo nei ʻoe i ka hoʻihoʻi ʻana a i ʻole ka paʻa ʻana, a i ʻole hiki iā ʻoe ke uku hou aku," wahi a Matt. "Pono ʻoe e waiho inā ʻoi aku ʻoe ma mua o $10,000 o ka hōʻaiʻē ʻaʻole hiki iā ʻoe ke uku maoli, e kū ana i kahi hōʻiliʻili IRS a i ʻole e hele mai ana ke Keʻena Hoʻonaʻauao ma hope ou no nā hōʻaiʻē haumāna."

ʻO kekahi moʻolelo e pili ana i ka panakalupa, ʻo ia ka mea e hōʻino mau ai i ka ʻaiʻē o kekahi.

"ʻAʻole pepehi ka bankruptcy i ka hōʻaiʻē no ka mea ua paʻa kāu hōʻaiʻē. ʻO ka hana ʻole ʻana i nā uku ʻaʻole ia e hōʻino i kou kūlana, "wahi a Matt. "He loaʻa kālā ka hapa nui o ka poʻe, a hiki iā lākou ke loaʻa nā kāleka hōʻaiʻē paʻa. ʻO ka hapa nui o nā kāleka hōʻaiʻē i hoʻopaʻa ʻia e koi ma kahi o $300 ma luna o lākou a pono e uku piha ʻia. Hiki iā ʻoe ke hoʻohana iā ia e kūʻai i nā mea kūʻai, ke kinoea, a me ka hoʻoponopono kaʻa. Hiki iā lākou ke kōkua i ka hoʻokumu hou ʻana i ka hōʻaiʻē. "

Inā he mau nīnau pōkole kāu e pili ana i nā pilikia kālā me ka ʻaiʻē a me ka panakalupa, e kelepona i ka Legal Aid Economic Justice Info Line ma 216-861-5899. Pono ke kōkua hou aku? Hiki paha i ke kōkua kānāwai ke kōkua! No ke noi ʻana i ke kōkua, e kelepona iā 888-817-3777, a i ʻole e hoʻopau i kahi hoʻokomo pūnaewele 24/7 ma lasclev.org.

Ua paʻi ʻia ka moʻolelo ma The Lakewood Observer: He aha kāu e ʻike ai e pili ana i nā helu aie a me ka panakalupa