Ukuqonda iishedyuli ze-bankruptcy kubalulekile kunoma yiyiphi isahluko esikhankanywe
Unokumangaliswa kumlinganiselo wamaphepha oza kuwufakela kwi-case case. Uya kunika ulwazi kuzo zonke iinkalo zobomi bakho bezezimali, ukusuka kwiimali ukuya kwipropati, ingeniso kwiindleko. Njengoko uphumelela kwinkqubo yokulungisa i-bankruptcy, uya kuziva ezininzi malunga ne shedyuli. Ayikho ixesha eliza kuqhuba ngayo imali, kodwa kunokuba kufakwe iishedyuli ukuba ungeze kwirejista yakho xa usenza ishishini okanye uninzi lweendleko zonyango.
Iishedyuli ze-bankruptcy empeleni ziluhlu lweemibhalo ukuba wonke umntu obolekisa (umntu ofaka ityala le-bankruptcy) uyilungisa kunye neefayili kwinkundla ye-bankruptcy. Bonke benza i-snapshot yeemeko zakho zezimali ngomhla owenza ifowuni yakho. Le mibhalo ebalulekileyo yenza umgca wecala. Funda ngeentlobo ezahlukeneyo zeeshedyuli zebhanki.
Ukuhlaziywa ngo-Apreli 2018 nguCarron Nicks.
Ishedyuli ye-A / B, i-Form Form 106 A / B, kufuna ukuba uluhlu lonke impahla yakho yangempela kunye nayo yonke impahla yakho. Isakhiwo sangempela sithetha umhlaba, izindlu nezakhiwo. Kumele uluhlule idilesi yomzimba wepropati yakho yangempela, umzekelo: 123 Elm Street, Pretendville, State Pretend 55555. Umele uchaze ixabiso lepropati yangempela kunye nesixa saliphi na ibango elikhuselekile, elithetha nayiphi na into enxulumene nepropati (le iquka yakho imali). Ekugqibeleni, kufuneka uchaze indlela loo propati egcinwe ngayo ngokusemthethweni. Ingaba unomdla kuyo nabanye abantu abangafaki ukufakela i-bankruptcy? Ingaba unomdla ongaphantsi okanye ongaphantsi kobutyebi obugcweleyo kuwo. Umzekelo, unendawo yokuhlala - ilungelo lokuhlala kwipropati yobomi bakho, kodwa akunalo ilungelo lokuthengisa.
Akuyi kuba yinto engaphantsi kokuthetha ukuba kufuneka uluhlu lonke impahla yakho, yonke into onayo engeyona indawo yokuhlala, kwiShedyuli A / B. Enyanisweni, kufuneka ukuba uluhlule zonke iintlobo ze-knick-knack, uhlambe indwangu, kwaye unako isobho. Kodwa, enyanisweni, akukho mntu uya kude! Ezi zikhokelo zikhokela ukuba ukwazi ukucinga malunga naluphi uhlobo lwepropati onayo.
Khumbula ukubandakanya ipropatikhi engabonakaliyo, njengamasheya kunye nezicwangciso zomhlalaphantsi. Kufuneka uxele ixabiso lepropati.
IShedyuli C, ifomu elisemthethweni 106C, apho ubeka khona amabango akho okuxolelwa . Okubalulekileyo, kufuneka ubhale phantsi yintoni umyalelo wokuxolelwa uvumela ukuba ugcine impahla yakho yangempela kunye neyakho. Naliphina ipropathi enexabiso kwaye ayinakuxolelwa ingathathwa kwaye ithengiswe ngumphathiswa we-bankruptcy kwiSahluko 7 . Kungcono ukubonisana negqwetha ngokumalunga namabango akho okukhululwa njengoko le shedyuli inokuba nzima kakhulu ukugqiba, kwaye ukwenza impazamo kunokuba nemiphumo emibi. IShedyuli D, ifomu elisemthethweni 106D, lifuna ukuba ubhale bonke ababolekisi bakho abamba amabango aqinisekileyo. Ibango eliqinisekileyo xa umboleki-mali enomdla kwipropati yakho. Le propati ibizwa ngokuba yintlanzi. Ngokomzekelo, xa uthengela indlu ngemboleko kwenkampani yokubolekisa, inkampani yokubolekisa ifumana i-bond yakho endlwini yakho, i-collateral. Ngoko ke, inkampani yokubolekisa imali inamabango aqinisekileyo kuwe. Kumele uluhlule igama lomthengi, idilesi, xa ityala lenziwe, inani lematyala, kunye nenani letyala elingakhuselekanga. Isabelo esingakhuselekanga sichazwe ngokukhupha ixabiso lebhanki kwixabiso letyala elipheleleyo. IShedyuli ye-E / F
Ishedyuli ye-E / F, ifomu elisemthethweni 106E / F, lifuna ukuba ubhale bonke ababolekisi bakho abangakhuselekanga, kubandakanye nalabo abaphambili, njengentlawulo kunye nokuxhaswa kwezindlu, kunye nezinto ezingabalulekanga, njengamakhadi-mboleko kunye neendleko zonyango. Kufuneka ukuba uluhlu lwemali-mboleko yakho evela kubahlobo kunye nezihlobo. 05 IShedyuli G
Ishedyuli G, ifomu elisemthethweni 106G, dwelisa zonke iikontraki zakho zokusebenza kunye nokuqeshiswa okungapheliyo. Inkontileka yokusebenza yinto enokungaphumeleli, njengokuba uhlawule umculi ukupenda i-portrait yakho, kodwa umculi akayi kudala ubugcisa. Bhala uluhlu lwekontraki nganye engalindelekanga kunye nokuqeshisa, kubandakanywa amagama kunye needilesi zazo zonke iindawo ezibandakanyekayo. Kumele uchaze uhlobo lomvumelwano okanye uqeshiso. 06 Ishedyuli H
IShedyuli H, ifomu elisemthethweni 106H, libhekisela kunoma yintoni na obolekisi abanokubakho. Kule shedyuli, dwelisa nawuphi na umntu okanye iinkampani ezixanduva nakweyiphi na ityala oludweliswe kwiishedyuli zakho. Ngokomzekelo, ukuba ubeka kuphela ukufakela i-bankruptcy, kufuneka uluhlule iqabane lakho njengendleko-mboleko, ukuba unyanzelekile nawaphi na amatyala akho. 07 Ishedyuli I
IShedyuli I, ifomu elisemthethweni 106I, libeka yonke imbuyekezo yakho. Iishedyuli ze-08
IShedyuli J, ifomu elisemthethweni 106J, uluhlu lweendleko zakho zenyanga. 09 Ingxelo yeMicimbi yezeMali
Ingxelo yeMicimbi yezeMali, ifomu elisemthethweni 107, kunye nezinye iifom, njenge "Means Test". Nangona kungabikho iishedyuli nganye, zibandakanya ukufakela kwakho. INkcazo yeMicimbi yezeMali yoluhlu lwemibuzo enokubambisana nokusetyenziswa kwezemali kwixesha eliyiminyaka emibili, kubandakanywa ukuba uwedlulise nayiphina impahla, ulahlekelwe nayiphi na ilahleko, ubambe nayiphi na i-akhawunti yebhanki okanye iibhokisi zepositi ezikhuselekileyo, isimo somtshato, izigwegwe, njl. "Iimvavanyo zoVavanyo" lubalo oluqwalasela ingeniso yakho kunye neendleko, xa kuthelekiswa nabanye kwimeko yakho, ukuchonga ukuba ufanelekile yini kwiSahluko 7 ngokuchanekileyo. Ukongezelela, inkundla yakho yokutshatyalaliswa kwendawo inokuba neefom ezongezelelweyo ukuba ufake ifayile.