Ukuzitshatyalaliswa ngokuzenzekelayo Kuqhutyelwa okanye kungenzeki
Nangona ukuhlala ngokuzenzekelayo kwenzelwe ukukhusela ababolekisi ukuba bangaboni izenzo ezingafanelekanga, ngamanye amaxesha bayakwenza. Oku kunokwenzeka ngenxa yezizathu ezininzi, kodwa ngokuqhelekileyo zenziwa ngenxa yexesha lexesha okanye ukungabi nolwazi lomthetho kunokuba kwenziwe umzamo wokuzikhupha ikhowudi ye-bankruptcy.
Xa ityala le-bankruptcy lifakwe, ukuhlala ngokuzenzekelayo kusebenza ngokukhawuleza, kodwa ngamanye amaxesha kuthatha iveki okanye ngaphezulu kumntu-mboleko ukuba afunde malunga nelo. Abanye ababolekisi bafumanisa phantse ukuba babhalise idilesi ye-imeyile nenkundla kwaye inkqubo iyakwazi ukufanisa umbolekisi ngokufaka uluhlu kwi-case of bankruptcy. Abanye abakhulu bemali mboleko bayabhalisa kwiinkonzo ezinjengeBanko, eqokelela ulwazi malunga neengxelo zebhanki kwaye zenza ukuba zifumaneke kubabolekisi ukuthelekisa kunye neenkcukacha zabo. Ngaphandle koko umboleki-mali uya kufunda kuphela kwimeko yecala lokubhankqalaza xa efumana isaziso enkundleni okanye ukuba umboleki uyazisa umbolekisi ngokwakhe.
Isaziso sephepha siqulethe ulwazi malunga nomphumo wokuhlala kunye nezenzo umboleki-mali akwenyelwe ukuthatha. Nasi umzekelo wesaziso esithunyelwe yinkantolo yebhanki kwimeko yangoku yenziwe yinkampani. Kwiphepha lesibini le saziso, ukuhlala ngokuzenzekelayo kuchazwe kwicandelo "Ababoleki ngokuqhelekileyo Akunakuthi bathathe amanyathelo athile."
Xa ixesha lilingundoqo, igqwetha lomboleki liza kuzisa abantu abathile abatyala ngokukhawuleza emva kokuba ityala lifakwe. Oku kunokwenza konke umahluko xa uzama ukukhusela ukuhlaziywa okanye ukuchithwa kokungabikho.
Ngethuba lexesha lokulahla phakathi kokufakwa kweso sihlandlo kunye nexesha lowo umbolekisi ufumana isaziso. akunjalo ngokuqhelekileyo ukuba umntu onetyala afumane iileta zokuqokelela, iingxelo ezifuna ukuhlawulwa kunye neefowuni zeefowuni. Nangona ezi zenzo zikwaphulwa ngokuzenzekelayo, azikwazi ukuthatha isenzo kuba umboleki-mboleko angacela ukungabi nolwazi kwimeko.
Ukuze uthathe inxaxheba, kuya kufuneka ubonise inkundla ukuba umbolekisi wenza ngokuzithandela. Okokuthi, umbolekisi kufuneka azi ukuba isenzo esithathayo asivunyelwe. Xa umboleki-mali efunda ngolu hlobo, okanye kufuneka afunde kwimeko okanye isaziso esisemthethweni esivela kwinkundla okanye isaziso esingabhalwanga kumntu onetyala, ummeli weetyala okanye nakweminye imithombo njengendaba yeendaba, umbolekisi uhlawuliswe ngolwazi ukuba umsebenzi wokuqokelela awuvunyelwe, kwaye umboleki-mboleko unelungelo lokuphulaphulwa okwenzekayo.
Abaninzi abatyala imali, ngakumbi abakhweli bamaziko amakhulu, njengeebhanki, iinkampani zekhadi lesikredenti kunye nabadayisi abaninzi, sele bekhona iinkqubo ezimele zikhusele iifowuni, iileta kunye neengxelo xa umboleki-mali efunda ukufakelwa kwimeko.
Oku akusoloko kwenzeka. Abanye ababolekisi, ngokukodwa amancinci amancinci "omama kunye nee-Pop", abahlobo kunye nezihlobo abanakho ukuqonda ukuba i-othomathiki ihlala njani isebenze kwaye ingaqhubeka nokuzama ukuqokelela ngaphandle kokufumana isaziso.
Abameli beBafishishcy bancomela abaxhasi babo ukuba bagcine ulwazi lwabo lokufaka ulwazi olufanelekileyo, kubandakanywa nenombolo yecala kunye negama lenkundla apho ityala lifakwe khona, ukubonelela kubathengi ababizayo. Ngaloo ndlela, ukuba iifowuni ziyaqhubeka, ababolekisi banokuthi baxanduva lokuqhagamshelana nomntu onetyala ngokuphula ngokuzenzekelayo.
Izigwebo zokuChoxisa i-Automatic Stay
Xa umboleki-mali ephula ukuzenzekela ngokuzenzekelayo, isohlwayo sincike kwiimeko zokuphulwa kunye nokuba ngaba kwenziwa ngokungahoxiswanga ngamabango ukufakela i-bankruptcy. Xa ukuphulwa kubandakanya isenzo esichasene nepropati, njengento yokubuyisela okanye ukuchithwa, inkundla iya kufuna ukuba impahla ibuyiselwe kumboleki kwaye umboleki ahlawulelwe nayiphi na umonakalo ohluphekileyo ngenxa yokuphula umthetho.
Umonakalo ungabandakanya iindleko ze-pocket zokukhawulela umonakalo, njengokuqeshisa isithuthi ukuze usebenze emva kokuba imoto yakho ibuyele. Inokubandakanya iibheno zakho kunye neendleko zokuba zizise isikhalazo phambi kwenkundla, kwaye nokuba intlungu, ukubandezeleka nokukhathazeka kwengqondo.
Yintoni oyenzayo xa Ucinga ukuba umCreditor uye waqhawula ukuhlala ngokuzenzekelayo
Ukuba ucinga ukuba umboleki-mali unokuphulaphula ukuhlala, qha ga mshelana nommeli wakho. Ummeli ongenamava ongenamava uya kukwazi ukuba umnxibelelwano akamsulwa kwaye engazi okanye ukuphulwa komnqweno kufunekile.
Qinisekisa ukuba ukuhlala ngokuzenzekelayo kusebenza.
Awukwazi ukuxelela ukuba umbolekisi uphula umthetho ngaphandle kokuba wazi ngokuqinisekileyo ukuba ukuhlala bekusebenza. Ngamanye amaxesha ayifuni ukusebenza xa ityala lifakwe, kwaye ngamanye amaxesha liphakamisa phambi kokuba ityala ligqityiwe.
Okokuqala, khumbula ukuba ukuhlala ngokuzenzekelayo ngokuqhelekileyo, kodwa kungekho rhoqo , kuqala ukusebenza xa ityala lifakwe. Ukuba uthe wafaka ityala langaphambili lebhanki elilindile kunyaka omnye ngaphambi kwecala lemihla, ukuhlala ngokuzenzekelayo kuya kuhlala kuphela iintsuku ezingama-30 ngaphandle kokuba ucele inkundla ukuba iyandise. Ukuba unamacala amabini alindile ngaloo nyaka, ukuhlala akusebenzi ukusebenza xa ityala lifakwe. Kufuneka ucele inkundla ukuba uyibeke.
Kwakhona, ukuhlala ngokuzenzekelayo kunokutshabalalisa okanye ukuphakamisa ngelixa usalunxwemeni kwaye ngaphambi kokufumana ukukhutshwa kwakho. Funda kabanzi kwixesha elide lokuhlala ngokuzenzekelayo?
Ingaba umbolekisi ufumene isaziso sokutsalwa kwebhanki?
Ukuba usanda kufaka i-bankruptcy, kwaye ufumene ileta okanye isitatimende esifuna ukuhlawulwa kumntu obolekisiweyo, unokucinga ukuba uthunyelwe phambi kokuba umbolekisi athenge isaziso esisemthethweni sokufakela. Ukuba uqhubeka ufumana izaziso ezivela kumntu-mboleko ofanayo emva kwexesha elifanelekileyo, ezimbini kwiiveki okanye kunjalo, sincoma ukuba usilethe kwingqalelo yommeli wakho ukuze igqwetha linokuqhagamshelana nomboleki ukuba uqinisekise ukuba ulwazi malunga necala lakho lulungile kubhalwa.
Gcina inombolo yecala lakho negama lenkundla (umzekelo, iNkundla yeBhanki yeSithili saseNtshonalanga yaseTexas, iDallas Division), kunye negama lakho negqwetha kunye nenombolo yefowuni elungileyo ukuze unikezele loo nto nabaniki bemali abafika kuwe ngefowuni . Emva kokuba ubaxelele ukuba ufaka i-bankruptcy, banelungelo lokucela ulwazi lwe-bankruptcy, kodwa abanalo ilungelo lokuqhubeka becela ukuhlawula. Gcina irekhodi leminye ifowuni oyifumanayo kumthengi kwaye qi niqiniseke ukuba uyazisa ummeli wakho wabathengi kubani owanikezele ngolwazi lwakho lwebhanki.
Ingaba umboleki wabuyisela kwakhona impahla yakho emva kokuba ityala le-bankruptcy lifakwe?
Ukuba ipropati yakho ibuyiselwe kwakhona, qha ga mshelana nommeli wakho. Uninzi lwababolekisi baya kubuyisela ipropati okanye benze ipropathi ifumaneke xa befunda ukuba i-caseruptcy case is filed. Ukuba bayenqaba, banokubanjelwa incikivo enkundleni, bahlawuliswe baze bahlawule umonakalo ngenxa yokuzikhukhumeza kwabo.
Unokufumana ngakumbi malunga nento eyenzekayo xa umboleki-mali ephula i-othomathi yokuhlala kwi- Are you a Creditor? Musa ukwenza oku kwiNkundla yokuPhawula .
Khangela ulwazi oluthe ngqo malunga noko uhlala khona ngokuzenzekelayo kwi -Automatic Stay: Indlela Ekhusela Ngayo Xa Ufakela i-Bankruptcy .
Ngezinye iinkcukacha xa uhlale usebenza ngokuzenzekelayo, funda ixesha elide lokuhlala ngokuzenzekelayo?
Ukuhlaziywa ngoMeyi 2017 uCarron Nicks