Ukuba ipropathi ithengiswa ngexesha i-link iqalisa ukusebenza, i-IRS iya kuhlawulwa ngaphandle kwemali yokuthengisa ngaphambi kokuba umhlawuli-ntlawulo ahlawulwe.
Xa i-lien ifihliwe, iba ngumba wengxelo yoluntu. Iingxelo zirekhoda ixabiso elipheleleyo elihlawulwa kwi-IRS ngexesha le-lien lifakwe. Le ngcaciso ilandelwa rhoqo ngamaziko ahlukeneyo okunika ingxelo ngeentengo zemali, ngoko ke izibhengezo zerhafu zedola ziya kugqitywa kwi- credit report yakho .
Iimpawu zihlukile kwiirhafu
Abanye abantu basebenzisa amagama athi "i-lien" kunye "ne- levy " ngokuchanekileyo. I-bhokisi yeerhafu yincwadi echazwe yi-IRS ukukhusela amandla karhulumente okuqokelela imali. Umrhumo kukuqokelelwa kweerhafu ngokunyanzeliswa, umzekelo ngokuthatha imali ngqo kwi-akhawunti yebhanki okanye ukuhlawula.
Ukuthintela iLizwi
Izibambiso zerhafu zaseburhulumenteni zinokuthintela ukuba zifakwe kwindawo yokuqala ngokuhlawula irhafu ngokupheleleyo kwaye ngaphambi kokuba nayiphi na i-lien ifakwe yi-IRS. Iimpawu nazo zinokuthintela ngokumisela isivumelwano sokufakelwa esihambelana neemfuno ze-IRS ukuphepha ukufakela ikhonkco. I-IRS ayiyi kufaka i-bond yerhafu yombuso xa umntu ohlawula irhafu efaka isivumelwano esiqinisekisiweyo sesitolimende okanye isivumelwano esivumelanisiweyo sokufakelwa.
Ezi ntlobo zezivumelwano zentengo zifuna ukuba ibhalansi ephumayo ibe yi-$ 10,000 okanye ngaphantsi kwimeko yezivumelwano zentlawulo eqinisekisiwe okanye i-25,000 zamawaka okanye ngaphantsi kwimeko yezivumelwano zokufakelwa. Ukuba umhlawuli-ntlawulo uhlawula ngaphezu kwama-25,000, i-lien ingaxinwa ukuba umrhafi werhafu ahlawule ibhalansi ukwenzela ukuba ibhalansi i-$ 25,000 okanye ngaphantsi kwaye imise isivumelwano esivumelanisiweyo.
Ukukwazisa abathengi ukuba iBhodi ifakiwe
I-IRS ngokubanzi ikwazisa abahlawuli berhafu emva kokuba i-bhokisi yentela yaseburhulumenteni sele ifakiwe. I-IRS iya kubathumela abahlawuli berhafu iSaziso seSigqeba soThutho seRhafu emva kokuba i-IRS sele ifake i-lien kunye ne-county. Iingxowa zentlawulo ye-Federal zisebenza ngokuphumelelayo kwiintsuku ezilishumi emva kokuba i-IRS ikhuphe imfuno ebhaliweyo yokuhlawula irhafu ehlawulwe.
Ukususwa Kwempawu
I-IRS iya kususa i-bond ye-tax tax if i-lien yafakwa kwisiphene, ukuba ibhalansi ehlawulwayo ihlawulwa ngokupheleleyo, ukuba ibhalansi ephumayo iyaneliswa ngenye indlela (umzekelo ngokunikezela ngempumelelo kwi-compromise), okanye ukuba i-link ayiyikunyanzeliswa ( umzekelo, kuba i-lien sele iphelile ngenxa yesimiselo seminyaka elishumi semingcele). Kukho iindlela ezibalulekileyo zokususa i-bond yerhafu yombuso: ukuhoxiswa nokukhululwa.
Ukurhoxisa iSiqumrhu seRhafu seRhafu
Ukurhoxisa i-taxi yerhafu yombuso kuthetha i-IRS iya kugxotha i-lien, ngokungathi i-link ayizange ifakwe kwindawo yokuqala. Ukuhoxiswa kwamatyala ngokuqhelekileyo kwenzeka xa i-tax federal link efihliwe kwisiphene (umzekelo, ukuba i-lien yafakwa kumntu ongafanelekanga).
Ukuba i-lien yafakwa kwifayile, kufuneka uqhagamshelane ne-IRS kanye nangoko. I-arhente ye-IRS iya kuhlaziya umlando we-akhawunti yakho ukuqinisekisa ukuba awukweleta irhafu ehlawulwayo kwaye uza kulungisa amaphepha afanelekileyo ukuhoxisa i-link.
Nangona kunjalo, i-IRS ifake inkqubo entsha yokuqala apho abakhokhi berhafu abanokufumana ukukhishwa kwee-akhawunti banikezele iikhrayitheriya ezithile.
Ukukhulula iNtlawulo yeRhafu yeBhunga
Ukukhupha i-federal link kuthetha ukuba ikhonkco ayisayi kubakho ipropati yakho. Emva kokukhulula ikhonkco, iirekhodi zedolophu ziya kuhlaziywa ukuze zibonise ukuba ikhutshwe i-lien. Nangona kunjalo, inyaniso yokuba kwakunjalo i-bond yerhafu yombuso iya kuhlala kwi- credit report yakho kwiminyaka elishumi. Izivumelwano zikhishwe zingakapheli iintsuku ezingama-30 zokuhlawula ngokupheleleyo iintlawulo zerhafu ezihlawulwe okanye xa kusekwe isivumelwano esiqinisekisiwe okanye esilungisiweyo.
Ngaphantsi kancinci, i-IRS inokukhupha i-bond yerhafu ye-federal ukuba loo nto izakukhawulezisa ukuqokelela irhafu okanye iyona nto ifanelekileyo kumhlawuli-ntlawulo kunye norhulumente. Uninzi lweenkontileka zerhafu zombuso zikhutshwa ngokuzenzekelayo yi-IRS emva kokuhlawulwa ngokupheleleyo kwentlawulo.
I-IRS inokukunika ikopi yokukhutshwa kwe-link, ongayithumela kuyo kwiivenkile zemali yokubika ngetyala ukuhlaziya iingxelo zakho zeentengo zemboleko. Ngaphantsi kweprogram yokuqalisa entsha ye-IRS, abahlawuli berhafu bavumelekile ukuba banqunyulwe i-lien okanye bakhulule ukuba ibhalansi yabo engaphantsi kwe-$ 25,000.
Indlela i-Federal Tax Lien ifuthe ngayo i-Credit yakho
Izivumelwano zentlawulo ye-Federal zichaphazela kakubi i-credit yeentela. Amanqaku akho ekhredithi aya kubandezeleka, kwaye unokufumana amathuba angaphantsi kwamathuba okufumana i-credit entsha okanye ukulungiswa kwetyala elikhoyo.
Amaqhinga okujongana neenjongo
Iqhinga elifanelekileyo kukukhusela i-yile yerhafu ekufakwe kuyo kwindawo yokuqala. Cinga ukuzisa ibhalansi yakho engaphantsi kwama-25,000 wamawaka kwaye ubeke isivumelwano sesiqinisekiso. Oku kunokubangela ukuba ube nokufaneleka kwesivumelwano sokufaka isitifiketi, kwaye akukho ncwadana yentlawulo yerhafu iya kufakwa.
Ukuba i-lien sele ifakiwe, unakho ukufumana ilungelo lokurhoxiswa kwe-akhawunti phantsi kweprogram yokuqala yesi-IRS. Unokuzisa ibhalansi yakho phantsi kwe-$ 25,000 ngokudlulisela enye okanye irhafu yakho kwikhadi lesikweletu okanye kumgca wokulinganisa ikhaya, okanye ngokuzenza iintlawulo ukuzisa ibhalansi yakho ngaphantsi kwe-25,000.
Emva kokuba i-IRS ifake i-lien yerhafu, ukhetho lwakho lukhulu kakhulu. Unokuzisa ibhalansi yakho phantsi kwe-$ 25,000 kwaye usethe isivumelwano sokuhlengahlengiswa esenzakalisiweyo kwisilingo sokusebenzisa intsha inkqubo yokuqala. Unokuhlawula kwakhona ibhalansi ephumayo ngokupheleleyo.
Iingxelo aziyi kuhlaziywa kwiNgxelo yakho yeMboleko
Ngokungafani nezinye i-akhawunti yeekhredithi kunye neengxowa-mboleko, i-IRS ayiyi kuhlaziya ngokukhawuleza ibhalansi kwibhanki yakho yerhafu. Unokuqhagamshelana ne-IRS ukuze ufumane ileta ebonisa imali ekhoyo yangoku. Nangona kunjalo, loo mali ehlaziyiweyo iya kuthunyelwa kuphela kumhlawuli werhafu.
Abathengi abafuna uncedo ekujonganeni neengxowa zerhafu kunye neengqokelela zerhafu kufuneka bafune iingcebiso zengcali yerhafu egunyazisiweyo ngokusemthethweni njengommeli weerhafu, umgcini-mali we-akhawunti yomntu okanye umntu obhalisile. Abathengi nabo banokufumana uncedo lwamahhala kwiiklinikhi zerhafu ezixhaswa esidlangalaleni nakwiNkonzo yoBameli beNtlawulo.