Kusebenza kanjani ukuqothuka?
Ungakufayela kanjani ukuqothuka e-USA. I- ukuqothuka yinkantolo eqhubekayo lapho ijaji nomphathi wenkantolo behlola izimpahla nezikweletu zabantu kanye namabhizinisi abangakwazi ukukhokha izikweletu zabo. Inkantolo inquma ukuthi kufanele izikhokhe yini izikweletu, futhi labo abakweletwayo abasabophekile ngokomthetho ukuthi bazikhokhe.
Imithetho yokuqothuka yabhalwa ukunikeza abantu abanezimali eziwohlokile ithuba lokuthi baqale phansi. Noma ngabe ukuwa kungumphumela wezinqumo ezimbi noma inhlanhla, abenzi bomgomo bangabona ukuthi emnothweni wonxiwankulu, abathengi namabhizinisi ahlulekayo ngokwezimali adinga ithuba lesibili.
Futhi cishe wonke umuntu ofakela ukuqothuka unalelo thuba.
U-Ed Flynn we-American Bankruptcy Institute (ABI) wenze ucwaningo ngezibalo ze-PACER (amarekhodi ezinkantolo zomphakathi) kusuka ngo-Okthoba 1, 2018 kuya kuSepthemba 30, 2019, wathola ukuthi kunamacala angama-488,506 okuqothuka eSahlukweni 7 esaphothulwa ngalowo nyaka wezimali. Kulaba, bangu-94.3% abakhishiwe, okusho ukuthi lowo muntu wayengasabophezelekile ngokomthetho ukuthi akhokhe isikweletu.
Angama-27,699 kuphela amacala achithiwe, okusho ukuthi ijaji noma umphathi wezinkantolo wabona ukuthi lowo muntu unezinsiza ezanele zokukhokha izikweletu zakhe.
Abantu abasebenzise i- Isahluko 13 ukuqothuka , okwaziwa njengokuqothuka kwabahola amaholo, bebehlukaniswe ngokulinganayo empumelelweni yabo. Ngaphansi nje kwengxenye yamacala angama-283,412 eSahluko 13 aqediwe ahoxiswa (126,401) kwathi angama-157,011 achithwa, okusho ukuthi ijaji lithole ukuthi umuntu ofake isicelo unezimpahla ezanele zokubhekana nezikweletu zakhe.
Ngubani ofaka isicelo sokuqothuka
Abantu namabhizinisi afaka ukuqothuka banezikweletu eziningi kakhulu kunemali yokuyikhokha, futhi ababoni lokho kuzoshintsha noma kunini. Ngo-2019, labo abafake izicelo zokuqothuka bakweleta u- $ 116 billion futhi babenezimpahla zamaRandi ayizigidi eziyizinkulungwane ezingama-83.6, cishe ama-70% awo kwakuyizakhiwo, inani langempela lazo kungaphikiswa ngalo.
Okumangazayo ukuthi abantu - hhayi izinkampani - yibona abavame ukufuna usizo. Bathathe izibopho zezezimali njengemali mboleko, imalimboleko yemoto, noma imalimboleko yabafundi - noma mhlawumbe bobathathu! - futhi abanayo imali yokuyikhokha. Kwakunamacala angama-774,940 okuqothuka afakwe ngo-2019, kwathi angama-97% awo (752,160) afakwa ngabantu ngabanye.
Amacala okuqothuka angama-22,780 kuphela afakwe yizinkampani ngo-2019.
Iningi labantu abafake izicelo zokuqothuka bebengacebile kakhulu. Imali engenayo emaphakathi yabantu abangu-488,506 abafake iSahluko 7 kwakungu- $ 31,284 kuphela. Amafayili eSahluko 13 aqhubeke kangcono kangcono ngemali engenayo emaphakathi engama- $ 41,532.
Ingxenye yokuqonda ukuqothuka ukwazi ukuthi ngenkathi ukuqothuka kuyithuba lokuqala phansi, kuthinta isikweletu sakho kanye nekhono lakho lokusebenzisa imali esikhathini esizayo. Kungavimbela noma kubambezele ukudliwa kwekhaya nokubuyiselwa kwezimoto, futhi kungamisa nokuhlobisa amaholo nezinye izinyathelo zomthetho ezisetshenziswa ababolekisi ukuqoqa izikweletu, kepha ekugcineni kunenani okufanele likhokhwe.
Kufanele Ngifake Nini Ukuqothuka?
Asikho isikhathi esifanelekile, kepha umthetho ojwayelekile wesithupha okufanele usikhumbule ukuthi kuzothatha isikhathi esingakanani ukukhokha izikweletu zakho. Ukubuza umbuzo Ingabe kufanele ngifayele ukuqothuka? Cabanga ngokucophelela ngokuthi kuzothatha iminyaka engaphezu kwemihlanu ukukhokha izikweletu zakho. Uma impendulo inguyebo, kungahle kube yisikhathi sokufaka isicelo sokuqothuka.
Umqondo walokhu ukuthi ikhodi yokuqothuka yadalelwa ukunika abantu ithuba lesibili, hhayi ukujezisa. Uma inhlanganisela ethile yesikweletu sempahla, isikweletu sekhadi lesikweletu, izikweletu zezokwelapha, nemalimboleko yabafundi ikulimaze ngokwezezimali futhi awuboni okufanele ukwenze, ukuqothuka kungaba yimpendulo engcono kakhulu.
Futhi uma ungakufanelekele ukuqothuka, lisekhona ithemba.
Okunye ongakhetha kukho ekusizeni isikweletu kufaka phakathi ukuphathwa kwezikweletu noma uhlelo lokukhokha isikweletu. Kokubili lokhu kuthatha iminyaka engu-3-5 ukufinyelela esinqumweni, futhi akuqinisekisi ukuthi zonke izikweletu zakho zizokhokhwa uma usuqedile.
Ukuqothuka kunezinhlawulo ezithile ezibalulekile ngokuhamba kwesikhathi ngoba kuzohlala kumbiko wakho wesikweletu iminyaka eyi-7-10, kepha kukhona ukukhuphuka okukhulu ngokwengqondo nangokomzwelo lapho unikezwa isiqalo esisha futhi zonke izikweletu zakho ziyaqedwa.
Ukuqothuka e-United States
Njengomnotho, ukufakwa kokuqothuka e-United States kuyenyuka futhi kwehle. Eqinisweni, lezi zombili zixhunywe njengebhotela lamantongomane nejeli.
Ukuqothuka kwafinyelela inani elingaphezu kwezigidi ezimbili ngonyaka ka-2005. Lowo ngumnyaka ofanayo owaphasiswa ngawo umthetho othi Bankruptcy Abuse Prevention and Consumer Protection Act. Lowo mthetho wawenzelwe ukuvimbela igagasi labathengi namabhizinisi alangazelela kakhulu ukuphuma esikweletini.
Inani lezethulo lehle ngama-70% ngo-2006, laya ku-617,660. Kodwa-ke umnotho waphahlazeka futhi ukufakwa kwamaphepha okuqothuka kwehla kwafinyelela ezigidini eziyi-1.6 ngo-2010. Zabuye zahoxiswa futhi njengoba umnotho wathuthuka futhi wehla cishe ngo-50% kuya ku-2019.
Ungakufayela kanjani ukuqothuka?
Ungakufayela kanjani ukuqothuka e-USA. Ukugcwalisa ukuqothuka yinqubo esemthethweni eyehlisa, ihlele kabusha, noma isuse izikweletu zakho. Ukuthi unalo lelo thuba kuya enkantolo yokuqothuka. Ungafayela ukuqothuka wedwa noma ungathola ummeli wokuqothuka. Izindleko zokuqothuka zibandakanya imali yommeli nemali yokufaka. Uma ufaka ifomu lokubuyisa uwedwa, uzohlala ubhekene nezimali zokufaka.
Uma ungeke ukwazi ukukhokhela ummeli, ungaba nezinketho zezinsizakalo zomthetho zamahhala. Uma udinga usizo lokuthola ummeli noma ukuthola izinsiza zomthetho zamahhala, hlola i-American Bar Association ukuthola izinsiza nolwazi.
Ngaphambi kokufaka, udinga ukuzifundisa ngokwenzekayo uma ufaka isicelo sokuqothuka. Akukona nje ukutshela ijaji ukuthi ngibhidlikile! futhi uziphonsa ngesihe senkantolo. Kukhona inqubo, kwesinye isikhathi edidayo, kwesinye isikhathi eyinkimbinkimbi, okumele abantu nezinkampani bayilandele.
Izinyathelo yilezi:
- Qoqa amarekhodi ezezimali: bhala izikweletu zakho, izimpahla, imali engenayo, izindleko. Lokhu kukunika wena, noma ngubani okusizayo, futhi ekugcineni nenkantolo, ukuqonda kangcono isimo sakho.
- Thola ukwelulekwa ngesikweletu kungakapheli izinsuku eziyi-180 zokufaka: ukwelulekwa ngokuqothuka kuyadingeka. Uqinisekisa inkantolo ukuthi usuqede wonke amanye amathuba ngaphambi kokufaka isicelo sokuqothuka. Umeluleki kufanele avele kumhlinzeki ovunyelwe obhalwe ohlwini lwe- iwebhusayithi yezinkantolo ze i EE . UU . Iningi lezinkampani zokweluleka zinikela ngale nsizakalo ku-inthanethi noma ngocingo, bese uthola isitifiketi sokuphothula uma usuqedile, okufanele kube yingxenye yemibhalo oyithumelayo. Uma weqa lesi sinyathelo, ukuhambisa kwakho kuzokwaliwa.
- Faka isikhalazo: Uma ungakaqashi ummeli wokuqothuka, lesi kungaba yisikhathi sokwenza. Iseluleko sezomthetho akusona isidingo kubantu abafaka ukuqothuka, kepha uthatha ingozi enkulu uma uzimele. Ukuqonda imithetho yokubhujiswa kombuso kanye nombuso nokwazi ukuthi yimiphi esebenza kuwe kubalulekile. Amajaji awakwazi ukunikeza izeluleko, kanjalo nabasebenzi basenkantolo. Kukhona futhi amafomu amaningi okufanele uwagcwalise futhi kukhona umehluko obalulekile phakathi kweSahluko 7 neSahluko 13 okudingeka ukuthi uwubheke lapho uthatha izinqumo. Uma ungazi futhi ungalandeli izinqubo nemithetho efanele enkantolo, kungathinta umphumela wecala lakho lokuqothuka.
- Hlangana nabakweletwayo: Lapho isicelo sakho samukelwa, icala lakho linikezwa umphathi wenkantolo, obeka umhlangano nabakweletayo. Kufanele ube khona, kepha ababolekisi akudingeki. Leli yithuba lokuthi bakubuze noma umphathi wenkantolo imibuzo ngecala lakho.
Izinhlobo zokuqothuka
Kunezinhlobo eziningana zokuqothuka abantu noma imibhangqwana eshadile abangayifaka eyodwa, okuvame kakhulu ukuba iSahluko 7 neSahluko 13.
Isahluko 7 Ukuqothuka
Ukuchithwa kwesahluko 7 imvamisa kuyindlela engcono kakhulu kulabo abanemali ephansi nezimpahla ezimbalwa. Futhi kuyindlela ethandwa kakhulu yokuqothuka, kubalwa ama-63% wamacala okuqothuka ngamanye ngo-2019.
Isahluko 7 ukuqothuka kuyithuba lokuthola isahlulelo senkantolo esikukhulula emthwalweni wemfanelo wokukhokha izikweletu futhi esikuvumela ukuthi ugcine izimpahla ezisemqoka ezithathwa njengempahla ekhululiwe. Impahla engakhokhiswa izothengiswa ukukhokha ingxenye yesikweletu sakho.
Ekupheleni kwenqubo yokuqothuka kweSahluko 7, izikweletu zakho eziningi zizokhanselwa futhi ngeke kusadingeka uzikhokhe.
Ukukhululwa kwempahla kuyahlukahluka kuye ngombuso. Ungakhetha ukulandela umthetho wezwe noma umthetho wesifundazwe, ongakuvumela ukuthi ugcine impahla eningi.
Izibonelo zempahla ekhululiwe zifaka phakathi ikhaya lakho, imoto oyisebenzisela umsebenzi, okokusebenza okusebenzisa emsebenzini, amasheke Wokuphepha Komphakathi, izimpesheni, izinzuzo zama-veteran, inhlalakahle, kanye nokulondolozwa komhlalaphansi. Lezi zinto azikwazi ukuthengiswa noma zisetshenziselwe ukukhokha izikweletu.
Impahla engakhokhiswa ifaka phakathi izinto ezinjengokheshi, ama-akhawunti asebhange, ukutshalwa kwezimali kwamasheya, imali eqoqiwe noma amaqoqo esitembu, imoto yesibili noma ikhaya lesibili, njll. Izinto ezingakhokhiswa zizokhishwa, zithengiswe ngumphathiswa oqokelwe ukuqothuka wenkantolo. Imali etholakalayo izosetshenziselwa ukukhokhela umphathiswa, ukukhokha imali yokuphatha futhi, uma imali ivuma, ubuyisela ababolekisi bakho ngangokunokwenzeka.
Isahluko 7 ukuqothuka kuhlala kumbiko wakho wesikweletu iminyaka eyishumi. Yize kuzoba nomthelela osheshayo kumaphuzu akho esikweletu, amaphuzu azothuthuka ngokuhamba kwesikhathi njengoba wakha kabusha izimali zakho.
Labo abafaka ukuqothulwa kweSahluko 7 bazobhekana ne-US Bankruptcy Court Chapter 7 test test, esetshenziselwa ukuqeda labo abangakhokha kancane lokho abakukweleta ngokuhlela kabusha isikweletu sabo. Ukuhlolwa kokuthola imali kuqhathanisa imali engenayo yomuntu okweletwayo ezinyangeni eziyisithupha ezedlule nemali engenayo emaphakathi (ephezulu kakhulu ngama-50%, ephansi ngama-50%) esifundazweni sabo. Uma imali yakho engenayo ingaphansi kwemali engenayo emaphakathi, ufanelekela iSahluko 7.
Uma ungaphezu komkhathi ophakathi nendawo, kunesivivinyo sesibili sezindlela ezingakufanelekela ukufayilwa iSahluko 7. Okwesibili izindlela zokuhlola zikala umholo wakho uma kuqhathaniswa nezindleko ezibalulekile (irenti / imali ebanjisiwe, ukudla, okokwembatha, izindleko zezokwelapha) ukubona ukuthi ingakanani imali elahlwayo ongayilahla unayo. Uma umholo wakho ongalahlwa uphansi ngokwanele, ungafanelekela iSahluko 7.
Kodwa-ke, uma umuntu ethola imali eyanele yokukhokha kancane kancane izikweletu, ijaji lokuqothuka cishe ngeke livumele ukufakwa kweSahluko 7. Uma imali engenayo yomfakisicelo iphakama kakhulu uma kuqhathaniswa nesikweletu, mancane amathuba okuthi bavunyelwe.okwethulwa kweSahluko 7.
Isahluko 13 Ukuqothuka
Isahluko 13 i-akhawunti yokuqothuka ilinganiselwa cishe kuma-36% wokufakwa kokuqothuka okungeyona yebhizinisi. Ukuqothuka kweSahluko 13 kuhilela ukukhokha ezinye zezikweletu zakho ukuze konke kuxolelwe. Le inketho kubantu abangafuni ukunikela ngempahla yabo noma abangafanelekeli iSahluko 7 ngoba iholo labo liphezulu kakhulu.
Abantu bangafaka kuphela ukuphela kweSahluko 13 uma izikweletu zabo zingadluli inani elithile. Ngo-2020, isikweletu somuntu esingavikelekile sasingadluli ku- $ 394,725 futhi izikweletu ezivikelekile bekufanele zibe ngaphansi kwezigidi eziyi- $ 1,184. Umkhawulo othile uhlaziywa ngezikhathi ezithile, ngakho-ke hlola nommeli noma umeluleki wesikweletu ukuthola izibalo ezisezingeni eliphezulu kakhulu.
Ngaphansi kweSahluko 13, kufanele wakhe uhlelo lokukhokha lweminyaka emithathu kuya kwemihlanu labakweletayo. Lapho usuqede ngempumelelo uhlelo, izikweletu ezisele ziyasulwa.
Kodwa-ke, abantu abaningi abaziqedi ngempumelelo izinhlelo zabo. Uma lokhu kwenzeka, abakweletayo bangakhetha ukuqothuka kweSahluko 7. Uma kungenjalo, ababolekisi bangaqhubeka nemizamo yabo yokuqoqa imali esele ekweletwayo.
Izinhlobo ezahlukahlukene zokuqothuka
Isahluko 9: Lokhu kusebenza kuphela emadolobheni noma emadolobheni. Kuvikela omasipala kubakweletisi ngenkathi idolobha lisakha uhlelo lokuphatha izikweletu zalo. Lokhu kuvame ukwenzeka lapho izimboni zivalwa bese abantu beyofuna umsebenzi kwenye indawo. Kwakunokuhlunga okune kuphela kweSahluko 9 ngo-2018. Kwakunemilayezo engama-20 esahlukweni 9 ngo-2012, iningi kusukela ngo-1980. IDetroit yayingomunye walabo ababefaka izicelo ngo-2012 futhi idolobha elikhulu kunawo wonke ake lafaka iSahluko 9.
Isahluko 11: Lokhu kwenzelwe amabhizinisi. Isahluko 11 kuvame ukubizwa ngokuthi ukuhlelwa kabusha kokuqothuka ngoba kunikeza amabhizinisi ithuba lokuhlala livulekile ngenkathi kuhlelwa kabusha izikweletu nezimpahla zokukhokhela ababolekisi. Lokhu kusetshenziswa ikakhulukazi izinkampani ezinkulu ezifana neGeneral Motors, Circuit City, ne-United Airlines, kepha kungasetshenziswa yizinkampani zanoma yisiphi isayizi, kufaka phakathi izinhlangano, futhi kwezinye izimo, ngabantu. Yize ibhizinisi liqhubeka nokusebenza ngesikhathi sokuqothuka, izinqumo eziningi zenziwa ngemvume yezinkantolo. Kwakunokuhlunga okungu-6,808 Isahluko 11 kuphela ngo-2019.
Isahluko 12: The Isahluko 12 sisebenza emapulazini omndeni nakubadobi bemindeni futhi sibanikeza ithuba lokuqhamuka nesu lokukhokha lonke noma ingxenye yezikweletu zabo. Inkantolo inencazelo eqinile yokuthi ubani ofanelekayo, futhi isuselwa kumuntu ohola njalo ngonyaka njengomlimi noma umdobi. Izikweletu zabantu ngabanye, ubambiswano, noma izinkampani ezifaka iSahluko 12 azikwazi ukudlula u- $ 4.03 million wabalimi kanye ne- $ 1.87 million yabadobi. Uhlelo lokukhokha kumele luqedwe kungakapheli iminyaka emihlanu, yize izici zonyaka zezolimo nezokudoba zibhekwa.
Isahluko 15: Isahluko 15 sisebenza emacaleni okuhluleka ukukhokhela umngcele, lapho okweletayo anezimpahla nezikweletu zombili e-United States nakwelinye izwe. Kwakunamacala ayi-136 eSahluko 15 afakwa ngo-2019. Lesi sahluko sanezelwa kwikhodi yokuqothuka ngo-2005 njengengxenye yoMthetho Wokuvimbela Ukuhlukumeza Abasebenzisi Nokuvikelwa Kwabathengi. Amacala esahluko se-15 aqala njengamacala okuhluleka ukukhokhela izikweletu ezweni langaphandle bese eya ezinkantolo zase-US ukuzama ukuvikela izinkampani ezinenkinga yezezimali ukuthi zingehli. Izinkantolo zase-United States zikhawulela amandla azo esimweni kuphela ezimpahleni noma kubantu abatholakala e-United States.
Imiphumela yokugcwalisela ukuqothuka e-United States
Isisekelo esiyisisekelo sokuqothuka ukuthi sikunikeza isiqalo esisha ngezimali zakho. Isahluko 7 (esaziwa njengokuqedwa) siqeda izikweletu ngokuthengisa izinto ezingakhululiwe ezinenani elithile. Isahluko 13 (esaziwa ngohlelo olukhokhelwayo) sikunikeza ithuba lokwenza uhlelo lweminyaka emi-3-5 lokukhokha sonke isikweletu sakho nokugcina lokho onakho.
Kokubili kufinyelela ekuqaleni okusha.
Yebo, ukufayila kokuqothuka kuthinta amaphuzu akho esikweletu. Ukuqothuka kuhlala kumbiko wakho wesikweletu iminyaka eyi-7-10, kuya ngesahluko sokuqothuka ofaka kuso. Isahluko 7 (esivame kakhulu) siku- umbiko wesikweletu iminyaka eyishumi , ngenkathi ukufakwa kweSahluko 13 (okwesibili okuvame kakhulu) kukhona iminyaka eyisikhombisa .
Ngalesi sikhathi, ukuqothuka kungakuvimbela ekutholeni imigqa emisha yesikweletu futhi kungadala nezinkinga lapho ufaka isicelo somsebenzi.
Uma ucabanga ukuqothuka, umbiko wakho wesikweletu kanye nesikweletu kungenzeka ukuthi sekulinyaziwe. Umbiko wakho wesikweletu ungathuthuka, ikakhulukazi uma ukhokhe izikweletu zakho ngokungaguquguquki ngemuva kokugcwalisa ukuqothuka.
Noma kunjalo, ngenxa yemiphumela yesikhathi eside yokuqothuka, abanye ochwepheshe bathi udinga okungenani ama- $ 15,000 esikweletini sokuqothuka ukuze uzuze.
Lapho ukuqothuka kungasizi khona
Ukuqothuka akususi ngempela yonke imithwalo yemfanelo yezezimali.
Ayizikhiphi lezi zinhlobo zezikweletu nezibopho ezilandelayo:
- Imali mboleko yabafundi yaseFederal
- I-Alimony nengane yesondlo
- Izikweletu eziqhamuka ngemuva kokufayila kokuqothuka
- Ezinye izikweletu zitholwe ezinyangeni eziyisithupha ngaphambi kokugcwalisela ukuqothuka
- Izintela
- Imali etholwe ngobuqili
- Izikweletu Zakho Zokuzilimaza Ngenkathi Ushayela Uma Udakiwe
Futhi ayivikele labo abasayine ngokuhlanganyela izikweletu zabo. Obolekisana naye wavuma ukukhokha imali oyibolekile uma ungakhokhi noma ungakwazi ukukhokha. Uma ufaka isicelo sokuqothuka, umuntu okweleta naye usengabophezeleka ngokomthetho ukuthi akhokhe konke noma ingxenye yemalimboleko yakho.
Ezinye izinketho
Iningi labantu libheka ukuqothuka kuphela ngemuva kokufuna ukuphathwa kwezikweletu, ukuqiniswa kwesikweletu, noma ukukhokhelwa kwezikweletu. Lezi zinketho zingakusiza ukuthi ubuyisele izimali zakho futhi ngeke zibe nomthelela omubi esikweletini sakho njengokuqothuka.
Ukuphathwa kwezikweletu kuyinsizakalo enikezwa yizinhlangano ezingenzi nzuzo zokwelulekwa ngesikweletu ukunciphisa inzalo esikweletini sekhadi lesikweletu futhi ikhiqize inkokhelo engabizi nyangazonke ukuyikhokha. Ukuhlanganiswa kwezikweletu kuhlanganisa zonke izimalimboleko zakho ukukusiza ukuthi ukhokhe njalo futhi ufike ngesikhathi ezikweletini zakho. Ukukhokhelwa kwezikweletu kuyindlela yokuxoxisana nabakweletayo ukuze unciphise ibhalansi yakho. Uma uphumelela, uzinciphisa ngqo izikweletu zakho.
Ngemininingwane engaphezulu ngokuqothuka nezinye izinketho zokusiza ezikweletini, funa iseluleko kumeluleki wezikweletu wendawo noma ufunde amakhasi wolwazi we iFederal Trade Commission .
Okuqukethwe
- Kusebenza kanjani ukuqothuka?
- Ngubani ofaka isicelo sokuqothuka
- Kufanele Ngifake Nini Ukuqothuka?
- Ukuqothuka e-United States
- Ungakufayela kanjani ukuqothuka?
- Izinhlobo zokuqothuka
- Isahluko 7 Ukuqothuka
- Isahluko 13 Ukuqothuka
- Izinhlobo ezahlukahlukene zokuqothuka
- Imiphumela yokugcwalisela ukuqothuka e-United States
- Lapho ukuqothuka kungasizi khona
- Ayizikhiphi lezi zinhlobo zezikweletu nezibopho ezilandelayo:
- Ezinye izinketho
- Izidingo Zokuthenga Ikhaya E-United States - Umhlahlandlela
- Ngazi kanjani ukuthi nginamathikithi omgwaqo e-United States?
- Ibiza malini iTattoo e-United States?
- Uthola malini umhlengikazi e-United States? - Umhlahlandlela ophelele
- Izitolo eziyi-12 ezihamba phambili online e-United States
- Ungashayela kanjani okuyimfihlo e-United States? - Qedela Umhlahlandlela