豸郁ｲｻ閠雋蛯ｵ縺ｯ險 骭ｲ逧縺ｪ譛鬮倥↓縺ゅｋ縲よｶ郁ｲｻ閠, 2004 蟷ｴ縺ｫ1.6 逋ｾ荳莉･荳翫ｮ險倬鹸逧縺ｪ 謨ｰ縺ｯ遐ｴ逕｣縺ｮ縺溘ａ縺ｫ, 繝輔ぃ繧､繝ｫ縺励◆縲ゅ≠縺ｪ縺溘ｮ雋蛯ｵ縺ｮ繧ｸ繝ｬ繝ｳ繝槭ｯ蜊 縺ｫ逞豌, 螟ｱ讌ｭ, 縺ｾ縺溘ｯoverspending 邨先棡縺ｧ縺ゅｋ縺ｩ縺縺, 縺ｧ縺榊悸蛟 縺吶ｋ繧医≧縺ｧ縺ゅｋ縲よｺｶ蟐偵ｒ蠕励ｋ縺溘ａ縺ｮ縺ゅ↑縺溘ｮ蜉ｪ蜉帙〒縺ｯ蠎蜻翫ｮ縺溘ａ 縺ｮ隴ｦ蝣ｱ縺ｫ縺ゅｊ縺ｪ縺輔＞陦ｨ髱｢荳翫ｯ騾溘＞闍ｦ蠅繧呈署萓帙☆繧九Ads 繝斐ャ繝√′ 雋蛯ｵ謨大勧縺ｮ邏譚, 蠖ｼ繧臥ｨ縺ｫ險繧上↑縺髢, 謨大勧縺ｯ邯ｴ繧峨ｌ縺溽ｴ逕｣縺九ｂ 縺励ｌ縺ｪ縺縲ゅ◎縺励※遐ｴ逕｣縺ｯ雋｡謾ｿ蝠城｡後ｒ蜿匁桶縺1 縺､縺ｮ驕ｸ謚槭〒縺ゅｋ縺御ｸ 闊ｬ縺ｫ譛蠕後ｮ繝ｪ繧ｾ繝ｼ繝医ｮ驕ｸ謚槭→縺励※閠諷ｮ縺輔ｌ繧九ら炊逕ｱ: 縺ゅ↑縺溘ｮ菫｡ 逕ｨ蠎ｦ縺ｮ縺昴ｮ髟ｷ譛溷凄螳夂噪縺ｪ蠖ｱ髻ｿ縲らｴ逕｣縺ｯ10 蟷ｴ髢薙≠縺ｪ縺溘ｮ菫｡逕ｨ蝣ｱ蜻 譖ｸ縺ｫ菴上縺ｨ縺ｩ縺ｾ繧, 菫｡逕ｨ, 莉穂ｺ, 菫晞匱, 縺ｾ縺溘ｯ蝣ｴ謇繧貞ｾ励ｋ縺ゅ↑縺 縺ｮ讖溯ｽ繧貞ｦｨ縺偵ｋ縺薙→縺後〒縺阪ｋ縲
縺ｾ縺, 縺ｩ縺ｮ蠎蜻翫ｮ繧Ｘary 縺ゅ↑縺溘′" 豕慕噪縺ｫ" 髯､蜴ｻ縺吶ｋ 鬘戊送縺ｪ繧ｯ繝ｬ繧ｸ繝繝医き繝ｼ繝峨ｮ繝舌Λ繝ｳ繧ｹ縺倶ｻ悶ｮ雋蛯ｵ繧剃ｽｿ逕ｨ縺ｧ縺阪ｋ譁譖ｸ 縺ゅ↑縺溘ｒ雋ｩ螢ｲ縺吶ｋ縺薙→繧呈署萓帙☆繧, 菫｡縺倥↑縺縺昴ｌ繧偵≠繧翫↑縺輔＞縲 邀ｳ蝗ｽ縺ｮ謾ｿ蠎懊→驫陦梧･ｭ莨∵･ｭ縺ｮ繝ｬ繝昴ｼ繝医ｯ繧､繝ｳ繧ｿ繝ｼ繝阪ャ繝医ｮ讖滓ｧ九ｮ螟 蛹悶ｒ縺ｨ莉悶ｮ謇縺ｧ菫騾ｲ繝励Ο繧ｰ繝ｩ繝遉ｺ縺, 繝峨Ν縺ｮ驥崎ｦ√↑譁咎(譎ゅ縺溘￥ 縺輔ｓ) 縺ｮ縺溘ａ縺ｮ, 隧先ｬｺ逧縺ｫ雋ｸ譁ｹ縺ｫ迚ｹ蛻･貅門ｙ縺輔ｌ縺滓枚譖ｸ繧剃ｸ弱∴繧九％ 縺ｨ縺ｫ繧医▲縺ｦ雋蛯ｵ縺ｮ蛛懈ｭ｢謾ｯ謇輔∈蛟溘ｊ謇九ｒ蜊倥↓蜿ｯ閭ｽ縺ｫ縺吶ｋ隕∵ｱゅ
縺薙ｌ 繧峨ｮ謠蝉ｾ帙ｮ螟壽焚縺ｯ縺ｾ縺滄｣驍ｦ貅門ｙ蛻ｶ蠎ｦ(繝九Η繝ｼ繧ｹ縺ｫ縺､縺縺ｦ縺ｮ蛛ｽ縺ｮ隕∵ｱ 繧蠑慕畑縺吶ｋ - 雋蛯ｵ髯､蜴ｻ繝励Ο 繧ｰ繝ｩ繝縺ｮ縺溘ａ縺ｮ豕慕噪豁｣蠖灘喧縺ｨ縺励※邯ｲ縺ｮ蝣ｴ謇) 繧ｷ繧ｹ繝繝, 邀ｳ蝗ｽ縺ｮ騾 雋ｨ縺ｾ縺溘ｯ莉悶ｮ荳ｭ螟ｮ謾ｿ蠎懊∪縺溘ｯ蟾槭ｮ謾ｿ蠎懊励Ο繧ｰ繝ｩ繝縲らｴ泌茜逶翫Λ繧､繝ｳ : 縺薙ｌ繧峨ｮ譁譖ｸ縺ｯ縺企代ｮ縺ｫ縺帙◎縺励※辟｡鬧縺ｧ縺ゅｋ縲
雋蛯ｵ貂帛ｰ代ｒ霑ｽ豎ゅ☆繧九→縺堺ｺｺ縲縺ｯ縺ｸ蝗槭ｋ縺溘ａ縺ｫ讒倥縺ｪ隗｣豎ｺ 髢薙〒confused 鬆ｻ郢√↓縺ｧ縺ゅｋ縲りｲ蛯ｵ縺悟悸蛟偵＠縺ｦ縺繧九ｈ縺縺ｫ縺ｪ繧九→縺 縺ゅ↑縺溘ｮ驕ｸ謚槭ｯ菴輔〒縺ゅｋ縺.
譛繧ょ､ｧ縺阪＞蠢驟阪ｮ1 縺､縺ｯ蠖ｱ髻ｿ縺輔ｌ繧 縺ゅ↑縺溘ｮ菫｡逕ｨ縺後＞縺九↓縺ゅｋ縺九〒縺ゅｋ縲ゅ◎縺縺ｧ雋｡謾ｿ縺ｮ闍ｦ閼ｳ縺ｫ縺ゅｌ縺ｰ 逵溷ｮ溘ｯ, 謇ｱ縺縺ｹ縺肴怙蛻昜ｺ九〒縺ゅｋ縺ゅ↑縺溘ｮ雋蛯ｵ縺ゅｋ縲ゅ≠縺ｪ縺溘ｮ菫｡逕ｨ 縺梧錐縺ｪ繧上ｌ繧後ｰ, 蠕後〒菫ｮ逅縺輔ｌ繧九％縺ｨ縺後〒縺阪ｋ縲ゅ＠縺九＠, 譛蛻晏━ 蜈磯菴阪ｯ蝨ｧ蛟偵ｮ雋蛯ｵ繧呈桶縺｣縺ｦ縺繧九ゅ％縺薙↓蛻ｩ逕ｨ縺ｧ縺阪ｋ驕ｸ謚槭ｯ縺昴ｌ 縺槭ｌ縺ｮ螳悟ｨ縺ｪ隱ｬ譏弱↓繧医▲縺ｦ邯壹°繧後※縺ゅｋ;
1. 譛繧ゅｈ縺縺ｮ縺ｮ縺溘ａ縺ｮ蟶 譛帙ｯ菴輔ｂ縺,
縺ゅ↑縺溘ｮ雋蛯ｵ縺蛍nmanageable 縺ｪ繧, 縺薙ｌ 縺ｯ驕ｸ謚槭ｂ縺ｯ繧縺ｧ縺ｪ縺縲ゅ◎繧後°繧我ｽ輔ｂ縺励↑縺繧医ｊ繧医＞莉｣繧上ｊ縺悟ｸｸ縺ｫ 縺ゅｋ縲
2. 繝輔ぃ繧､繝ｫ遐ｴ逕｣
遐ｴ逕｣縺ｯ驕ｸ謚槫ｸｸ縺ｫ縺ｧ縺ｪ縺 , 譛繧らｵｶ譛帷噪縺ｪ蝣ｴ蜷医ｮ雋蛯ｵ繧帝勁蜴ｻ縺吶ｋ縺九ｂ縺励ｌ縺ｪ縺縺檎樟蝨ｨ縺ｮ蝠城｡ 繧医ｊ謔ｪ縺謔ｲ諠ｨ縺ｪ髟ｷ譛溽ｵ先棡繧呈怏縺吶ｋ縺薙→縺後〒縺阪ｋ縲
3. 菴ｿ 逕ｨ豸郁ｲｻ閠菫｡逕ｨ縺ｮ蜍ｧ繧√ｋ縺薙→
邨郢斐↓蜍ｧ繧√ｋ豸郁ｲｻ閠菫｡逕ｨ縺ｯ縺 繧玖協縺励ａ繧峨ｌ縺溷し蜍呵繧貞勧縺代ｋ縺薙→縺後〒縺阪ｋ譛菴弱ｮ謾ｯ謇輔ｒ縺ｧ縺阪ｋ 縺薙→縺後〒縺阪ｋ縲ゅ≠縺ｪ縺溘ｮ雋蛯ｵ縺悟ｰ上＆縺代ｌ縺ｰ, 縺昴ｌ繧峨ｯ縺ゅ↑縺溘↓縺 縺ｪ縺溘ｮ雋蛯ｵ縺ｮ110% 蟷ｴ繧定ｦ√☆繧九％縺ｨ縺ｮ繧医＞蜉ｩ險, 鬆ｻ郢√↓邨先棡繧呈署萓 縺ｧ縺阪ｋ縲
4. 雋蛯ｵ縺ｮ蠑ｷ蛹冶ｲｸ莉倥¢驥
縺薙ｌ縺ｯ莉悶ｮ雋 蛯ｵ繧貞ｼｷ蛹悶＠, 謾ｯ謇輔≧縺溘ａ縺ｫ菴ｿ逕ｨ縺輔ｌ繧倶ｿ晁ｨｼ縺輔ｌ縺滄橿陦瑚ｲｸ莉倥°謚ｵ蠖 縺ｧ縺ゅｋ縲ゅ≠縺ｪ縺溘ｮ菫｡逕ｨ縺ｮ隧穂ｾ｡蜿翫ｳ雉逕｣縺後％縺ｮ蜿ｯ閭ｽ菴懊ｌ縺ｰ, 縺昴ｌ縺ｯ 驕ｸ謚槭°繧ゅ＠繧後↑縺縲
5. 雋蛯ｵ莠､貂峨→隗｣豎ｺ繝励Ο繧ｰ繝ｩ繝
縺ゅ↑縺溘′蜴ｳ縺励＞繧ｯ繝ｬ繧ｸ繝繝医き繝ｼ繝峨ｮ雋蛯ｵ蝠城｡後ｒ譛峨☆繧後ｰ , 縺薙ｌ縺ｯ縺ゅ↑縺溘ｮ譛繧ゅｈ縺雋蛯ｵ貂帛ｰ代ｮ驕ｸ謚槭〒縺ゅｋ縲ゅ◎繧後ｯ蝨ｧ蜉帙ｒ 貂帙ｉ縺吶％縺ｨ縺後〒縺, 蠕ｹ蠎慕噪縺ｫ縺ゅ↑縺溘′70% 縺ｸ遽邏縺ｮ雋蛯ｵ莠､貂峨↓繧 縺｣縺ｦ雋縺繧ゅｮ繧呈ｸ帙ｉ縺吶°繧ゅ＠繧後↑縺縲ゅ◎縺励※, 莉｣逅莠ｺ縺ｫ繧医▲縺ｦ謖 遉ｺ縺輔ｌ繧倶ｼ夂､ｾ縺ｮ菫晄戟縺ｫ繧医▲縺ｦ縺ゅ↑縺溘ｮ雋蛯ｵ縺瑚ｪ榊庄縺輔ｌ縺溷ｰる摩螳ｶ縺ｫ 繧医▲縺ｦ謇ｱ繧上ｌ繧九％縺ｨ繧, 縺ゅ↑縺溘ｯ菫晁ｨｼ縺輔ｌ繧九％縺ｨ縺後〒縺阪ｋ縲ゅ◎繧 繧峨′蟷ｳ繧峨↑譁咎代°蛛ｶ逋ｺ莠区侭驥代ｒ貅縺溘☆縺九←縺縺玖ｦ九▽縺代↑縺輔＞縲ゆｸ 驛ｨ縺ｯ蟷ｳ繧峨↑縺句崋螳壽侭驥代ｒ貅縺溘☆謾ｯ謇墓ｸ医ｮupfront 縺ｧ縺ｪ縺, 縺ゅ↑縺 縺ｮ雋蛯ｵ繧貞ｾ後〒隗｣豎ｺ縺吶ｋ縺溘ａ縺ｫ縺昴ｌ繧峨↓蛻ｺ豼繧剃ｸ弱∴繧九らｯ邏縺ｮ菫晄戟 蝎ｨ縺昴＠縺ｦ繝代ｼ繧ｻ繝ｳ繝医ｯ繧医ｊ蟆代↑縺城ｫ倅ｾ｡縺ｧ縺ゅｊ, 縺ゅ↑縺溘ｒ菫晁ｨｼ縺吶ｋ 縺溘ａ縺ｫ譛繧ゅｈ縺蜿悶ｊ蠑輔″繧貞ｾ励↑縺輔＞縲
謗･隗ｦ: 蝗ｽ豌代ｮ豕慕噪雋蛯ｵ縺ｯ , 譬ｪ蠑丈ｼ夂､ｾ髮荳ｭ縺吶ｋ縲www.nldc.us
蜿らｧ: 雋 蛯ｵ貂帛ｰ代ｮ莉｣繧上ｊ http://www.nldc.us/debtoptions.html
雋蛯ｵ髯､蜴ｻ Scams - Http://credit.about.com/od/shamsandscams/a/082504.htmFTC 縺ｫ 隴ｦ蜻翫☆繧谺ｺ迸
豸郁ｲｻ閠隴ｦ蝣ｱ:
雋蛯ｵ謨大勧 繧堤ｴ譚溘☆繧句ｺ蜻翫ｯ遐ｴ逕｣ http://www.ftc.gov/bcp/conline/pubs/alerts/bankrupt.htm 繧 謠蝉ｾ帙☆繧縺九ｂ縺励ｌ縺ｪ縺
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繧ｸ繝ｧ繝翫し繝ｳ Hernandez
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