Xa ufake ifowuni yakho, ubenesisombululo esinamandla kwi-arsenal yakho. " Ukuhlala ngokuzenzekelayo " kwaqala ukusebenza ngexesha lofakela ityala lakho. Kwakungumyalelo owenqabela ababolekisi bakho ukuba bathathe nayiphi na inyathelo ukuqokelela amatyala akho ngelixa uhlaselwa. A bakwazi:
- umnxeba
- thumela iileta, iitekisi, okanye ii-imeyile
- ukubuyisela yakho imali
- ngqongqeleka ekhaya lakho
- qhubeka okanye ufake ifowuni
- ubeke ikhonkco kwipropati yakho
- kunye neminye imisebenzi
Umele uqaphele ukuphosa ngokukhawuleza kunye nokukhulu kule mi sebenzi phantse nje xa ufaka. Abanye ababolekisi, ngokukodwa amancinci amancinci "omama ne-pop" kwaye, ngokuchaseneyo, imibutho emikhulu enobungcali, unenkathazo yokudibanisa izaziso ze-bankruptcy kunye nenyaniso oyifake kwiinkqubo zazo. Kungathatha ixesha, kwaye ngamanye amaxesha, isenzo ngummeli wakho webhanki okanye nakwezohlwayelwa yinkantolo ye-bankruptcy ukunyanzela kumbolekisi ubunzima beenkqubo kunye nesidingo sokumisa ukuxhatshazwa.
Ngamanye amaxesha abathengi baya kujongana nomsebenzi wokuqokelela oqhubekayo ngexesha lelo xesha, becinga ukuba liya kumisa okanye ayinalo intsingiselo kwaye akufanelekanga umzamo wokulungisa. Ngelishwa, abo babolekisi bavame ukuba bangayifumana isigidimi nantoni na, kwaye xa ukuphuma kokungena kungenakuzama ukukuhlawula ityala elikhutshiwe.
Ukukhutshwa kweNkunkuma
Xa inkundla ingena kwi-oda yakho yokukhutshwa ngokutsha , ukuhlala ngokuzenzekelayo kuguqulwa ibe ngumyalelo osisigxina wokuxoshwa phantsi kwe-USC ยง 524. Oku kuthetha ukuba umboleki-mboleko okhutshiweyo akayi kuphinda athathe isenzo sokuqokelela loo matyala. Kodwa kukho imeko apho umbolekisi angakwazi ukuqhubeka edibana nawe kwaye azame ukuqokelela ityala.
Nazi ezinye zezenzo umboleki-mali angathatha emva kokuba ityala lakho lokutshintshwa lifakwe okanye emva kokukhutshwa kwakho:
- ukucebisa okanye ukunyanzela ukuba ungene kwityala elitsha lokufaka endaweni yalo mdala.
- ukufaka i-matyala endala kumboleko omtsha (ngokukhawuleza ukuhlaziya imboleko yemoto)
- uzama ukuqokelela amatyala owavuma ukuba uhlawule (ngaphandle kwesivumelwano sokuqinisekisa)
- ukubiza okanye ukwenza iimfuno ezibhaliweyo
- wenqaba ukubonisa ityala njengoko likhutshwe kwingxelo yakho yemali ngaphandle kokuba uhlawule ityala
- ukuthumela izaziso zenzo kwiimali ezikhutshwayo
- ukubuyiselwa kwakhona okanye ukuchithwa
- ukufaka icala
Ukukwazi xa umboleki-mali echanekileyo ngokusemthethweni kwaye xa umboleki ephulaphula ngokwenene ukukhutshwa komyalelo, kufuneka uphendule le mibuzo elandelayo:
Ingaba iimeko zaxoshwa (kunokuba zikhutshwe)? Ukuba icala laxothwa ngaphandle kokukhutshwa, umbolekisi unelungelo lokuqhubeka nokuqokelela ityala.
Amatyala e-Bankruptcy aya kugqitywa okanye ekugqibeleni okanye ukuxothwa. Ukukhutshwa ngokuqhelekileyo kubangelwa yiphumo ekujoliswe kuyo, ukukhulula umboleki wexanduva lokubuyisela amatyala ahlawulwayo njengamakhadi ekwerekhredithi, iimali zonyango kunye neemali-mboleko zemali (kunye neenqwelo zemoto kunye nemali-mboleko yasekhaya - bona ngezantsi). Kodwa ezinye iimeko azenzi ukuba zikhutshwe kwaye ziye zaxothwa.
Kukho naziphi na izizathu zokuba i-case ithoxiswe. Ukuba umntu onamatyala ahluleka ukugqiba iphepha lakhe elisemthethweni, uhluleka ukunika i-trustee imbuyekezo yentela, ayikho kwiNtlanganiso ye-Section 341 yabathengi, okanye ehluleka okanye angavumi ukusebenzisana nomphathiswa enkundleni iya kukhupha loo nto. Icandelo le- 13 yesicwangciso sokuhlawula isingenakudityaniswa kuzo zonke izizathu, kodwa nangona xa umboleki ehluleka ukufumana isiqinisekiso seSahluko 13 sokuhlawula imali okanye ahluleke ukwenza iintlawulo okanye athathe ezinye izenzo ezifunekayo phantsi kwesicwangciso sokubuyiselwa.
Xa ityala lichithwa, ngeendlela ezininzi kunjengekuthi ityala alizange lifakwe kwindawo yokuqala. Ababoleki banokulahlekelwa ukukhuselwa kokuzenzekelayo, kwaye ababolekisi abaye bahlala banokuqalisa kwakhona iinzame zabo zokuqokelela.
Ingaba ityala lingahlawulelwayo? Amanye amatyala ayiyi kukhishwa kwimeko yecala. Ezinye zizenzeke ngokuzenzekelayo, kwaye ezinye ziza kuphila xa omnye wamacala ecela inkundla ukuba ivakalise ukuba ityala alikhutshwanga. Umyalelo wakho wokukhutshwa okhutshwe yinkundla awuyi kubhala uluhlu lwawo matyala akhutshwayo, kodwa igqwetha lakho liya kukwazi ukucacisa oku kuwe. Ukuba ityala alikhiphi, umbolekisi angaphinda aphinde enze imizamo yokuqokelela xa inkundla ingena umyalelo wokukhutshwa.
Ngokubanzi, la matyala awayi kukhutshwa:
- irhafu yengeniso kwiminyaka emithathu yentela yakutshanje
- elidlulileyo ngenxa yokuxhasa abantwana kunye ne-alimony
- amatyala abangelwa ngenxa yokuqhuba kwakho ngexesha lotywala
- mboleko ya bafundi
- ukuhlawulwa kunye nokubuyiselwa kwimeko yobugebengu
Ezi mboleko aziyi kukhutshwa xa umboleki-mali efuna ukukhutshwa kwabo:
- amatyala avela kwizenzo zamagosa nezenzo ezinobungozi
- ezinye iintlawulo zeentengo zemali zentsholongwane malunga neentengo zemali okanye izinto zokunethezeka okanye iinkonzo
- amatyala ngenxa yokugqithisa, ukukhwabanisa, ukuphulwa komsebenzi wecala
- amatyala awubhalisi kwiphepha lakho lephepha
Ingaba ityala lenzeke emva kokubhaliwa kwe-bankruptcy? Ukuba uvula i-akhawunti yekhredithi okanye ungena kwityala emva kokufaka ityala lakho lokutsalwa kwebhanki, amathuba akuyi kukhishwa kwaye umbolekisi angazama ukukuqokelela kuwe. Ukuba ungene kuloo matyala ngokuphathelele kwimeko yeSahluko 13 (ukuthenga imoto entsha, umzekelo), kuya kufuneka udibanise loo matyala kwisicwangciso sakho seSahluko 13. Uninzi uya kuhlawula xa usesikhatsini kwaye ungenanto yokukhupha ekupheleni.
Ngaba uqinisekisile ityala? Nokuba imoto yakho kunye nemali-mboleko yakho yendlu iya kukhutshwa kwimeko yeSahluko 7, kodwa umboleki wakho uya kuba nelungelo lokuthabatha nokuthengisa. Ukuba ufuna ukugcina ipropathi ekhusela imali-mboleko, kuya kufuneka uqhubeke uhlawula ukuze uhlawulwe ngokukodwa, nangona emva kokuba icala lakho lokubhankanya liphelile. Ngokuqinisekileyo uza kungena kwesiqinisekiso sokuqinisekisa apho wena kunye nomboleki-mali uyavuma ukuba umboleko awuyi kukhutshwa, kwaye uya kuqhubeka uxanduva lwetyala. Ukuba kamva ungagqibekanga, umbolekisi uya kulahla inqanaba elipheleleyo lezenzo zokuqokelela nje ngokuba ukuba ityala alizange libe yinxalenye yecala lokubhankqalaza.
Izifo
Ukuba umboleki-mali ucela kuwe ngemali emva kokuba ityala lakho lokuchithwa likhutshwe, qha ga mshelana nommeli wakho we-bankruptcy. Igosa lakho liya kukunceda ubone ukuba ngaba ityala likhutshwe. Ukuba ikhutshwe, kwaye umbolekisi usebenza ngokuphulwa komyalelo wokukhutshwa komthetho, igqwetha lakho liya kudibanisa nomboleki, ngokusemthethweni okanye ngokungaqhelekanga, ukuba afune ukuba umboleki makabeke umsebenzi wokuqokelela. Ukuba umboleki-mali uyahluleka okanye wenqabe ukumisa, ugqwetha lakho lingabuza inkundla ukuba ivule kwakhona ityala lakho lokubhankqalaza kwaye inqumle umbolekisi ngenxa yokuphulwa kwayo. Unokucela kwakhona inkundla ukuba iwise umboleki ukuba akhokhe nayiphi na umonakalo onokube uhlupheke ngenxa yomsebenzi wokuqokelela.