Ezinye iinjongo, ezifana neCalifornia, zifuna ukuba abahlali balo basebenzise ukukhululwa komthetho.
KwiCalifornia, kukho iisethi ezimbini zokuxolelwa ezifumanekayo ekusebenziseni i-bankruptcy kubahlali baseCalifornia (ukuba unikwe i-domiciled lapho iminyaka emi-2 edlulileyo). Isimiselo esiyihloko sale nqaku siyaziwa ngokuba yi "703 exemptions." 703 ibhekisela kwicandelo lekhowudi yeCalifornia Code of Procedure. Ngokukodwa, ezi zixokelelo zingatholakala kwicandelo 703.140 ukuba ungathanda ukuzihlolisisa ngokwakho. Khumbula ukuba usebenzisa iimpalelo zakho ukukhusela impahla kwi-bankruptcy ukuze i-trustee ingayithengisi ukuba ihlawule ababolekisi bakho. Ukuxolelwa kufuneka kuthathwe ibango kwiShedyuli C.
Izixa-mali zamanje zaseKalifornia 703 zokuxoshwa kwee-bankrupt zivumelekile ukususela ngo-Ephreli 1, 2017. Imilinganiselo yokuxolelwa ihlaziywa yonke iminyaka emithathu, iphelile ngo-Matshi 31. Ulungelelwaniso lusekelwe kwiIndleko yabathengi baseCalifornia kubo bonke abathengi bee-Urban.
Ukuba ufunda le nqaku, qiniseka ukuba uhlolisise iwebhusayithi ye-California Courts ukufumanisa ukuba inani lokuxolelwa liye landa.
Kwakhona phawula ukuba ukuba ufuna ukutshatyalaliswa kwaye uyatshata (kunye neqabane lakho alifaki ukufakela i-bankruptcy), kufuneka uxoxe nommeli we-bankrupt malunga nokukhishwa komtshato.
Oku kuhambelana nokukwazi kwakho ukusebenzisa i-703 exemptions.
Kuhlala
Ukukhululwa kokuqala kwenziwa ngokwesiqendu 703.140 (b) (1). Eli candelo liyakuvumela ukuba uhlawule u-$ 25,575 wenzalo yakho yokwenene (umz., Indlu) okanye umntu (umz, imoto ekhaya) kwipropati oyisebenzisayo njengendawo yokuhlala. Le mali isebenza kumbambiswano wabasebenzi okanye ingcambu yokungcwaba yomntu onetyala okanye oxhomekeke kuye.
Imoto
Icandelo 703.140 (b) (2) likuvumela ukuba ungakhupheli ngaphezu kwama-5,100 kwi-moto enye. Awukwazi ukwahlula lo mxolelo phakathi kwezithuthi ezimbini okanye ngaphezulu.
Izinto zokuThengisa iMpahla kunye neMpahla
Icandelo 703.140 (b) (3) livumela ukuxolelwa kwisixa semali engama-550 kwiphina impahla, impahla, iingubo, izixhobo, iincwadi, izilwanyana, izityalo okanye izixhobo zomculo. Qaphela ukuba ezi zinto kufuneka zibe ngabomntu, intsapho, okanye ukusebenzisa kwintlawulo okanye umntu oxhomekeke kuyo. Oku kuxoxwa ngendlela ehlukileyo ukuba unokukhupha yonke into ewela kuloluhlu ukuya kwii-650 zamaxabiso ayo.
Iigugu
Icandelo 703.140 (b) (4) likuvumela ukuba ukhulule umdla wakho ngokubanzi kwizinto zokugqoka ezibangelwa yintsapho, intsapho, okanye ukusebenzisa kwintlawulo okanye umntu oxhomekeke kuyo. Imali yokuxolelwa i $ 1,525.
Nceda uqaphele ukuba le mali ayisebenzisi kwimpahla nganye yezinto zokugqoka, kodwa i-aggregate, ithetha ukuba yiyonke intlawulo onokuyixolela kuzo zonke iingubo zakho.
Wildcard
Icandelo 703.140 (b) (5) lidla ngokuba yi-"wildcard" ukukhululwa. Lo mxolelo uvumela ukuba ukhulule nayiphi na indawo yepropati onomdla kuyo, kwisixa se $ 1,350 kunye naluphi na umlinganiselo ongasetyenzisiweyo (b) (1) ukuhlawulelwa kwendawo yokuhlala okanye indawo yokungcwaba. Ngaloo ndlela, ukuba awusebenzisi iindawo zokuhlala okanye ulungelo lokungcwaba, unako ukuxolela i-$ 26,925 yexabiso lepropati.
Izixhobo zoRhwebo
Icandelo 703.140 (b) (6) linikeza umxolelwaniso kwimfuno yakho yonke (inqaku elithethiweyo, kungekhona into ethile) kuyo nayiphina imveliso, iincwadi zengcali, okanye izixhobo zorhwebo okanye oxhomekeke kuyo. Imali yokuxolelwa i-$ 7,625. Umzekelo, oku kungabandakanya izixhobo zombane-mbane ukuba unombane.
Inshorensi yobomi
Amacandelo 703.140 (b) (7) kunye (8) akuvumela ukuba uxolele inzala yakho kwinshuwalense yobomi. Icandelo (b) (7) likuvumela ukuba ukhulule umgaqo-nkqubo womshuwalense wobomi, ngaphandle kwekhredithi. Icandelo (b) (8) likhusela ukuya kwi-13,675 ye-interest interest yakho kwi-dividend eyamkelweyo okanye inzala phantsi, okanye ixabiso lemali-mboleko yalo, nayiphi na isivumelwano esingasesikhatywayo somshuwalense onomntu onetyala, phantsi kwaloo mntu okhuselwe ngumntu onetyala, okanye umntu lowo umboleki uxhomekeke kuye.
Aids Health
Icandelo 703.140 (b) (9) livumela ukukhululwa kwemisebenzi enempilo enqununu yomntu onetyala okanye oxhomekeke kuyo. Lo mxolelo unomlinganiselo ongenamkhawulo.
Ilungelo lokufumana iintlawulo ezithile
Icandelo 703.140 (b) (10) (A) - (D) ikhusela inzala yomntu onetyala kwiintlawulo zokhuseleko loluntu, inzuzo yemisebenzi, inzuzo yoluntu lwengingqi, inzuzo yezilungu, izibonelelo zokukhubazeka, izibonelelo zokugula, inzuzo yokungasebenzi, kunye ne-alimony okanye ukugcinwa inkxaso ubukhulu obufanelekileyo ukuba kuxhaswe umboleki kunye nawuphi na oxhomekeke kuye. Lo mxolelo unomlinganiselo ongenamkhawulo.
Umhlalaphantsi
Icandelo 703.140 (b) (10 (E) ivumela ukuxolelwa kweentlawulo phantsi kwebhonasi ye-stock, ipensheni, ukwabelana ngenzuzo, inzala , okanye isicwangciso esifanayo okanye isivumelwano kunye nokugula, ukukhubazeka, ukufa, ubudala, okanye ubude benkonzo, ubukhulu becala ukuba kuxhaswe ngumntu onetyala kunye naluphi na umntu oxhomekeke kuye.Umzekelo, oku kungaba ngu-401 (k) .
Impahla elandelekayo
Icandelo 703.140 (b) (11) likuvumela ukuba ukhulule impahla onokuyilandela kuyo nayiphi na le ndelayo: (A) ibhaso phantsi komthetho wokubuyiswa kwexhoba lolwaphulo-mthetho (elingenamkhawulo), (B) ukuhlawula ngenxa yokufa okungalunganga lowo babexhomekeke kwiimeko ezifanelekileyo zokuxhasa inkxaso yetyala kunye naluphi na umntu oxhomekeke kuyo, (C) intlawulo phantsi kwe-khontrakthi yobomi bomshuwalense eyayiqinisekisa ngobomi bomntu obengumxhomekeke kuyo, kumgangatho obalulekileyo wokuxhasa umboleki kwaye (D) ukuhlawula ukuba ungadluli iRandi 25,575 ngenxa yokulimala komzimba, kungabandakanywa intlungu kunye nokuxhatshazwa okanye ukuhlawulelwa ngokulahlekelwa ngumntu onetyala, kwaye (E) ukuhlawula ngokuhlawulelwa kwexesha elizayo umvuzo womntu onetyala okanye umntu obolekelwe ngumntu oxhomekeke kumxhomekeke kuye, kumgangatho obalulekileyo wokuxhasa umboleki kunye nabaxhomekeke kuye.
UMLAWULI WOMTHETHO
Eli nqaku lenzelwe iinjongo zolwazi kuphela kwaye kungekhona ngenjongo yokubonelela ngeengcebiso zomthetho. Kufanele uqhagamshelane nommeli wakho ukuba ufumane iingcebiso malunga nantoni na okanye ingxaki ethile. Ukusetyenziswa kunye nokufikelela kweli nqaku akuyi kudala ubudlelwane bommeli-client phakathi kombhali wale nqaku kunye nomsebenzisi okanye isiphequluli.
Uhlaziywe ngoMashi 2017 nguCarron Nicks