Ngaba Unokuhlawula iintlawulo kwiingxowa ezilahlekisiwe?
Umfundi osandul 'utsho wandixelele ukuba wayefake isicelo sokutshatyalaliswa kwaye wayezibuza ukuba amatyala akhe acacileyo angathintela njani irhafu. Wayeva ukuba kufuneka afune amatyala akhe axholwe njengeniso kwiFom ye-1040.
Ayikho njalo. Iingxowa ezithathiweyo ekuqhutyweni kwe -bankruptcy aziqhelekanga njengengeniso ehlawulwayo. Kodwa "ngokuqhelekileyo" ligama eliphambili apha, kwaye ukuba unetyala elixolelwe ngaphandle kwe-bankruptcy, imithetho iguqule.
Ukuba uthe wafaka isicelo sokutshatyalaliswa ngonyaka ophelileyo okanye unokuxolelwa omnye okanye amaninzi amatyala, nakhu okufuneka ukwazi njengoko ulungele ukufaka ifayile yakho yentlawulo.
Iingxowa ezicutshulwe kwiNgxowa-mali
"Abathengi abafake iifowuni zokubhankwa ngabaninzi abafunwa ukuba badibanise ityala elichithwe kwingeniso ehlawulwayo," kuchaza uCindy Hockenberry, ummeli obhalisile kunye nomhlalutyi wolwazi ngerhafu noMbutho weSizwe weeNgcali zeRhafu.
Le yimeko nangona ufumana ifom 1099-C evela kumboleki, kubonisa inani lemali ekhishiwe okanye ekhutshwe. I-Hockenberry icebisa, "Fakela Ifomu 982, Ukunciphisa Iimpawu Zerhafu Ngenxa yokuKhutshwa kweNtlawulo (kunye neCandelo 1082 Ulungiso lwentlawulo)." Oku kubonisa i-IRS ukuba imali ekhutshweyo ingabandakanywa kwingeniso phantsi kweCandelo lama-108. "
Iimali ezicatshulwe ngaphambi kokuba ufake ifom ye-Bankruptcy
Ixesha lakho yinto yonke, nangona kunjalo. Ukuba ufumana i-1099-C kwaye ifakwe kwi-IRS ngaphambi kokuba ufake i-bankruptcy, kufuneka ubandakanye inani lemali echazwe kwifomu kwirejista yakho yentlawulo.
Ngoba? Ngenxa yokuba ayikho ityala. Iifom ze-1099 zikhumbuza iintlobo ezahlukeneyo zengeniso ozifumene ngunyaka, ngoko ke ityala linokungeniso - ubole imali ongenakho ukuyihlawula. Iyenu ngoku, nokuba sele usuchithe. Ukuchithwa kwemali kunokurhoxisa kuphela amatyala. Ayinakususa imali.
Ukuba awuyi Kufaka i-Bankruptcy
Ngokutsho kwe-IRS kwi-Publication 525, "Ngokuqhelekileyo, ukuba ityala linokukhishwa okanye lixolelwe, ngaphandle kwesipho okanye isithintelo, kufuneka ufake ixabiso elikhansekileyo kwingeniso yakho. ejoliswe njengesipho kuwe.Ityala libandakanya nayiphi na inetyala onoxanduva okanye obandakanyekayo kwipropati oyibambe. " Lindani - yintoni leyo ngesipho?
Amatyala ahlawulweyo akhankanywe kwiholo phantsi kwezinye iimeko, kubandakanywa xa zenziwe njengezipho. Banokuthi bangabandakanywa kwiholo lakho xa kunqunywe ukuba ungekho phantsi - ixabiso lamatyala akho lidlula inani elithengileyo lemarike yexabiso lakho kwiimpahla zakho nangona ungakhange ufake isicelo sokubhankanya imali ukuze ulungise ingxaki. Kodwa nantsi enye into yokubamba: Ubungakanani bokungabikho kobugqwetha kufuneka bube bukhulu okanye ngaphezu kwetyala eliye lakhanselwa. Ukuba iimali zakho zigqithise ixabiso lemarike elungileyo yeempahla zakho ngo-R10 000, kwaye ukuba umboleki uthethelela i-$ 10,000 kwiitalente okanye ngaphantsi, ulungile. Kodwa ukuba umnini-mali unqanda iitaliti eziyi-15,000, umlinganiselo-i-$ 5,000-iya kuba yinzuzo engenayo irhafu xa ukungahlawulwanga ku-$ 10,000 kuphela.
Ukuba Kufuneka Unikwe Imali
Faka isixa semali esikhoxisiwe kumgca we-10 wakho we-1040 - kodwa ungadlulanga emva kokuba uthintane neengcali zerhafu malunga neenkcukacha ezichanekileyo zeemeko zakho kwaye uzimisele ukuba kufuneka.