Izinketho zeBhange lokuThuthukiswa kwabathengi
Isahluko 7
Ngaphantsi kweSahluko 7 ukutshatyalaliswa, unako konke okanye inxalenye yamatyala akho akhutshwe emva kokuba ixabiso lakho lempahla asetyenziswe ukuhlawula enye ityala.
Ziziphi iimpahla zamanzi?
Kwifa lakho, unokuba nexabiso lempahla. Ezi ziyimpahla ezinokuthi ziguqulwe ngokukhawuleza zibe yimali, umz. Ezinye zeempahla zakho zamanzi kufuneka ziguqulwe kwiinkantolo ukuba zihanjiswe phakathi kwababolekisi bakho njengentlawulo yesahlulo esikhokhwe. Ezi zixhobo ezingekho phantsi. Iimpahla ezingasetyenziselwa ukuhlawula abathengi zibizwa ngokuba yimpahla ekhululiwe . Umoya wakho unemithetho echaza ukuba yeyiphi ixabiso lempahla yamanzi ayinakuxolelwa kwaye ayayixolelwa.
Emva kokuba nayiphi na impahla ekhoyo engekho ekhutshelweyo isasazwa kubathengi bakho, nayiphi na inkokhelo esele ikhutshwe. Awusayi kuphinda uhlawulwe nayiphi na amatyala. Ngaphezu koko, ababoleki okanye abaqokeleli abathathu bangazama ukuqokelela la matyala kuwe.
Ndiyifanele njani?
Ukuze ufanele iSahluko 7, kufuneka udlulise iindlela zokuvavanya ukuba ingeniso yakho ingaphantsi komvuzo ophakathi kwentsapho yakho kwisayizi sakho.
Ukuba ungaphumeleli uvavanyo lwendlela, awuyi kuvunyelwa ukufaka iSahluko 7. Endaweni, unokwenza iSahluko 13.
Ukongezelela ekugqibeleni uvavanyo lwendlela, kufuneka ufumane ukululekwa ngetyala kwikarhente yokunika iingcebiso ngekhredithi. Unokufumana i-arhente zokunika iingcebiso zekhredithi ezivunyelweyo kwiwebhusayithi ye-US Trustee Programme.
Isahluko 13 Ukuchithwa
Ngaphantsi kweSahluko 13 , uhlawula yonke into okanye inxalenye yetyala lakho ngokusebenzisa isicwangciso sokubuyiselwa kweminyaka emithathu ukuya emihlanu. Xa wenza i- bankruptcy filing , uza kufaka isicwangciso sokubuyisela inkundla. Emva kokungenisa isicwangciso, kufuneka uqale ukuhlawula inkundla (ngubani ke ohlawula abathengi bakho). Oku kuyadingeka nokuba ngaba isicwangciso sakho asivunywanga.
Emva kweeveki ezimbalwa, kuya kuba nokuva ukuvuma isicwangciso sakho sokuhlawula. Nangona ababolekisi bengenakuchasana nemali yokuhlawula, ijaji inokugqibela. Emva kokuba isicwangciso sakho sivunyiwe, uya kuqhubeka uhlawula inkundla. Xa usugqibile isicwangciso sakho seNtlawulo yeSahluko 13, nayiphi na inkokhelo esele ikhutshwe. Awusayi kuphinda uxanduva lokukhutshwa kwamatyala.
Kutheni ndifake iSahluko 13?
Unokukhetha ukwenza iSahluko 13 esikhundleni seSahluko 7 ukuba ufumane ityala, njengemali mboleko yemoto, ofuna ukuqhubeka uhlawula. Ukususela kwiSahluko sesi-7 sokutshatyalaliswa kukufuna ukuba ulahle ezinye iimpahla zamanzi, iSahluko 13 sinokuba yindlela efanelekileyo ukuba ufuna ukugcina ezi zinto. Ukongezelela, ukuba ingeniso yakho ngaphezu komlambo kubungakanani bentsapho yakho kwimeko yakho, awuyi kukwazi ukufaka iSahluko 7 sokuchithwa.
Ngokomgaqo we-US Bankruptcy Code , ukufakela iSahluko 13, awukwazi ukufumana imali engaphezulu kwama-922,975 kwiityala ezikhuselekile kunye ne-307,675 yee-akhawunti ezingetyala.
NjengaSahluko 7 , kufuneka ufumane ukucebisa ngekhredithi kwi-arhente ye-credit counseling agency.
Ukufakela Ukuqhawula Umntu
Ekubeni imithetho yebhanki yomntu eyinkqantosi yinkimbinkimbi, yinto efanelekileyo yokufuna iingcebiso kummeli ngaphambi kokuba ufake i-bankruptcy. Le yindlela efanelekileyo yokuqinisekisa ukuba iphepha lakho lifakwe ngokupheleleyo kwaye lichanekile.