I-IRS idinga ukuba amashishini athumele i-1099-C kumthengi ukuba ngaphezulu kweedola ezingama-600 kwiitaliti zakhanselwa okanye zithethelelwe.
Yaye, ungamangalisi ukuba umboleki wakho akakucelanga. Amashishini akudingeki ukuba akuxelele impembelelo yentlawulo yokukhansela okanye ukuxolela amatyala.
Ukufumana i-1099-C ingaba nefuthe elikhulu kumbuyekezo yakho yerhafu kulo nyaka. Ngokuxhomekeke kwisixa semali esikhoxisiwe kunye neminye yemali engenayo, imali eshiyekayo, kunye nokuxolelwa, ityala elikhansekisiwe linganciphisa nayiphi na imali yokubuyisela irhafu efunekayo okanye eyingozi, ungathumela ukuhlawulwa kweerhafu ngenxa yokuhlawulwa kwetyala.
Kutheni Iingxowa Zisulwa?
Umboleki-mali angakhansela ityala lakho ngezizathu ezininzi:
- Ummiselo wokunciphisa uphelile.
- Unesivumelwano sokuhlawula ityala ukuhlawula inxalenye yetyala kwaye unomnye uhlangothi okhansekileyo.
- Umboleki-mali unomgaqo-shishino wokuyeka umsebenzi wokuqokelela emva kwexesha elithile.
Kakade, ukufumanisa ukuba ityala lakho lichithwe kufuneka libe yinto entle. Kwaye xa usujongene neerhafu ezihambelana netyala elikhanseliwe, awuyi kuba necala elimalunga naloo matyala athile.
Ingeniso ehlawulwayo yeTyala eliCatshulwayo?
Xa uboleka imali, ishishini linikezela imali. Le ntlawulo ingafika ngendlela yokuhlawulwa kwemboleko okanye ukuthenga ngetyala. Unesivumelwano sokuhlawula imali, ngoko ayixhomekeke kwerhafu okanye ingqalelo ingeniso kweso sikhundla. Nangona kunjalo, xa ishishini likhansela isivumelwano, nayiphi na imali ongayifumanayo ingqalelo ingeniso kwaye ingahlawuliswa.
Ukuba ufumana i-1099-C ukusuka komnye wakho wabathengi, musa ukuwuphonsa kwinqwelo. Le fomu ingaphezulu nje kwesaziso esilula sokukhanselwa kwetyala. Inyaniso yokuba uyifumene le fomu kuthetha ukuba i-IRS ibuye iyakwifumana kwaye ilindele ukuba ufake inzuzo kwimbuyekezo yakho yerhafu.
Faka i-1099-C kunye namanye amaxwebhu eemali xa uya kwi-preparer yakho yerhafu. Qinisekisa ukuba i-preparer yakho yerhafu inamava ngalo hlobo lwenkokhelo okanye ufuna i-preparer yerhafu. Awufuni ukuba lo mbuzo ubuyele ukukukhwaza. Ukuba uyiphumelela ukufaka umvuzo, ukubuyiswa kwentela yakho kunganqatshwa okanye i-IRS iya kulungisa ukubuyela kwakho kwaye ilungele ukubuyiselwa kwembuyekezo yakho okanye ikuthumele i-bill yezinto ezifunekayo. Unokujamelana neentlawulo kunye nezinye izigwebo ukuba ingeniso ingeniso ngexesha.
Ingeniso yokuNikwa kwengeniso yerhafu
Kukho imeko ezithile apho ityala lakho lingakhanselwa khona, kodwa akudingeki ukuba uyibize njengeniso engenayo.
- Ityala likhutshwe kwi-bankruptcy (ngaphandle kokuba ityala lenziwe ngenjongo yezoshishino okanye injongo yokutyalomali).
- Iimboleko zemali ezixolelwe yiziko lemfundo elihlawulwa irhafu kwaye usebenzela inani elithile leminyaka kumqeshi ofanelekileyo. (Bona i-IRS Publication 970, Isahluko 5 ngolwazi olungakumbi.)
- Ityala livela kwingxowa-mboleko kwizindlu zokuhlala eziphambili ezilahlekileyo kwi-foreclosure, kuthengiswa ngetengiso elifutshane, okanye kwi-mortgage. Uya kusadingeka ufake le mali yokuxoxwa kwi-tax return yakho, kodwa kwifomu 982, kwaye akufanele uhlangabezane nayiphi na isohlwayo sentela kuyo. Bona i-IRS Publication 908 ngolwazi olungaphezulu.
- Ubungenakudlula ubuncinane inani lemali ekhansekileyo ngexesha elihlawulwe ngayo ityala. Ukungabikho kwamatyala kuthetha ukuba amatyala akho aphezulu ngaphezu kwexabiso lemarike elifanelekileyo lempahla yakho. Ngamanye amagama, wawunenzuzo engalunganga xa ityala likhanseliwe. Ukuthabatha ukungabikho kwenkohlakalo ekukhutshweni kwetyala, kufuneka ufake ifayile ye- IRS 982 .
UMthetho woRhumo kwiiRhafu eziCiweyo
Umthetho wakho werhafu weerhafu ezichithwayo zingahle zihluke kumthetho werhafu. Qhagamshelana neengcali zerhafu, umzekelo we-akhawunti okanye ummeli, ukuqinisekisa umthetho werhafu karhulumente malunga nokunika ingxelo yokuhlawulwa kwamatyala njengeniso engenayo.