Ukuba umboleki-mali ufumana isigwebo senkundla kuwe, banokukwazi ukucela inkundla ibhaso yebhanki-inqubo apho umboleki-mali ethatha imali kwi-akhawunti yakho yasebhanki ukuze anelise inkundla enikwe ityala. Xa kukhishwa umrhumo, i-akhawunti yakho yebhanki ikhutshwe kwaye awukwazi ukufikelela kwimali kwi-akhawunti yakho de kube ityala libuyiselwe.
Akumele ube nexhala lokuba nje nawuphi na umboleki-mboleko angahlawulisa i-akhawunti yakho yasebhanki ngokuthanda.
Umboleki-mali akakwazi ukuhlawulisa i-akhawunti yakho yebhanki ngaphandle kokuphumelela kokuqala isigwebo sokugweba kuwe kwaye ufumane inkundla yenkundla yokuhlawula i-akhawunti yakho yasebhanki. Okanye, kwimeko yentlawulo yerhafu, i-IRS iya kuthumela ibhilikhwe yokuhlawula, ivumele ukuba ungayinaki okanye ungayikhokheli, kwaye ithumele iSaziso sokugqibela seNjongo yokuTyala.
Ngomlinganiselo othile wexesha, i-akhawunti yakho yasebhankini iqingqiwe kwaye unethuba lokufumana i-levy. Nangona kunjalo, ukuba umrhumo awukhiphakanywanga, umbolekisi angathatha imali kwi-akhawunti yakho yasebhanini de ibe ityala linelisekile.
Imali engenakunikwa
Ngokutsho kwe-Federal Trade Commission, iifomethi ezithile, njengeNkxaso yeNhlalakahle yeNtlalo, iNgeniso yeNkxaso yoKhuseleko, kunye neNzuzo ye-Veteran, ngokuqhelekileyo ayikwazi ukuhlawulwa. Nangona kunjalo, ukuba le mali ixutywe kwi-akhawunti yakho kunye neminye imali, kuya kufuneka uqinisekise ukuba yimali ekhutshwe kwi-levy kwaye engekho. Ibhanki iyadingeka ukuba ihlaziye i-akhawunti yakho kwiimali ezikhuselweyo ngaphambi kokuba uvumele abathengi ukuba bathathe imali kwiakhawunti yakho.
Eyokuqala, okokuqala uhlobo lwenkqubo ngamanye amaxesha kusetyenziswa ukugqiba ukuba yimali ayikho phantsi kwerhafu. Ngokomzekelo, ukuba ingeniso yakho yokhuseleko loluntu yafakwa kuqala kwaye emva koko uchithe imali kwi-akhawunti yakho yokujonga, imali yokuqala echithwayo iya kuthathwa ukuba ivela kwingeniso yokhuseleko loluntu. Oku kuthetha ukuba usenokuba sele uchithe ingeniso ehlawulwe kwi-levy kwaye yonke into ilawulwa ngumrhumo.
Ukungabikho kwemfuneko: I-IRS inokuhlawula iintlawulo zeNtlalo noNondyebo kunye neNondyebo inokuhlawula ukuxhaswa kwabantwana abathile kunye neentlawulo ze-alimony.
Indlela yokugwema iRhafu yeBhanki
Ngexesha ofumana isaziso sokuba umboleki-mali ulungiselela ukuhlawulisa i-akhawunti yakho yasebhanki, mhlawumbi uya kufumana ezinye izaziso malunga netyala. Ukuba ufuna ukuphepha ukuba i-akhawunti yakho yasebhanki ihlawulwe, kufuneka usebenze ngokukhawuleza.
Bhatala iBhili Yakho okanye ubeke uMlungiselo weNtlawulo.
Ukuba unayo imali yokuhlawula ityala lakho ngokupheleleyo, ukwenza njalo kuya kuhlala kukunceda uphephe umvuzo. Ngaphandle koko, unokukwazi ukufaka isivumelwano sokuhlawula ukuhlawula ityala lakho kwizitofu. Ukuvumelanisa kwiingxelo ze-ACH ezivela kwi-akhawunti yakho yebhanki kunokunika umboleki imali engakumbi yokuba uzibophezele ukuhlawula ityala lakho.
Zama ukuhlawula amatyala aphantsi kwexabiso elipheleleyo elihlawulwe.
Umboleki-mali angamkela ukwamkela ngaphantsi kwe-balance balance, kodwa kufuneka uxoxe nabo ukwenza lolu hlobo lwelungiselelo. Qaphela ukuba umboleki-mali uyavuma ukuhlawula ityala lakho , inxalenye esele ekhansekileyo ixhomekeke kwerhafu kwirejista yakho yonyaka ozayo.
Ukufumana i-Levy yeBhanki iphakanyisiwe
Xa umrhumo usesikhundleni, umbolekisi angasusa imali kwi-akhawunti yakho yebhanki kude kubekho ityala lihlawulwe.
Uyakwazi ukufumana umrhumo ophakanyisiweyo ngokunyamekela uxanduva, ukwenza ilungiselelo lokuhlawula, okanye ukulungisa ityala.
Okanye, ukuba awuzange usebenze ngokufanelekileyo ngesaziso senkundla yokuqala, unokukwazi ukufumana isigwebo esishiyiweyo. Igqwetha linokusebenza nawe ukufaka ifayile yamaphepha afanelekileyo ukuze kugwetywa isigwebo.
Amanye amatyala alawulwa ngummiselo wokunciphisa kwaye awunyanzeliswa ngokomthetho emva kwexesha elithile. Le ngxabano inokukunceda ukuba uhlawule umrhumo, kodwa ufuna kwakhona uncedo lommeli. Ekugqibeleni, ukufakela i-bankruptcy inokuba yinto yokukhetha ukukhishwa kwemali. Thetha kunye negqwetha malunga nokuba i-bankruptcy ilungele wena kunye naluphi uhlobo lokuchithwa kwefayili omele ulifake.