Yintoni eyenzekayo kwimali yakho yomhlala-phantsi xa Ufake Isahluko 7 okanye iSahluko 13?
Oku kungabonakala kunengqiqo xa ucinga ngeendleko zokunyuka kweendleko zonyango, kodwa eqinisweni, inkohlakalo yangempela emva kweli phephelo le-bankruptcy ayikho ityala lezonyango kodwa ityala lekhadi lesikweletu.
Ngoko kwenzeka ntoni kwiimali zakho zomhlalaphantsi ekutyaleni ngaphambi kokuba uthathe umhlalaphantsi? Kuthekani ngexesha lomhlalaphantsi? Ingaba ukhuseleko lwakho loluntu lusemngciphekweni? Ingaba i-bankruptcy ingqiqo nakwabadala? Nazi iimpendulo zemibuzo emihlanu eqhelekileyo malunga nokuthatha umhlala-phantsi kwi-bankruptcy.
1. Ngaba ukufakela i-bankruptcy kuyayichaphazela imali yam yomhlalaphantsi?
Mhlawumbi akunjalo. Kungakhathaliseki ukuba ungaphila kwi- 401 yakho (k) , 403 (b) , 457 (b) , iKeogh okanye enye inxaxheba-nxaxheba okanye icebo elixhasayo, umvuzo kule akhawunti ye-retraitor awukwazi ukuthintelwa ngababoleki xa ufayile Isahluko 7 sokuchithwa , kwaye akuyi kuphazamisa isixa olibuyiselayo xa ufaka iSahluko 13 se-bankruptcy . Ukuba unemali egcinwe kwi-IRA, i- Roth IRA , i- SEP IRA okanye i-SIMPLE IRA, imali leyo ibuye ixolelwe ngabathengi, kodwa ibe ngumda othile.
Ukususela ngo-Apreli 2013, lo mda wawuyi-$ 1.2 yezigidi (okanye i-$ 1,242,475, ukuba ibe ngqo). Ilungisa ixesha elide kunye neendleko zokuphila .
2. Kuthiwani ukuba sele ndihlala phantsi kwaye ndithatha ukuhambisa?
Ukuba uthatha ingeniso kwiakhawunti yakho yomhlalaphantsi, loo mali ifikeleleke kubabolekisi. Kodwa kuxhomekeke kwimali engakanani efunekayo ukuhlangabezana neendleko zakho zokuhlala.
Kubantu abathile abafake iFayile yesi-7 i-bankruptcy, nantoni na ngaphezu kokufunekayo ukuzixhasa ingaba ngumdlalo onobulungisa kubantu abanetyala. Kulabo abafakela iNgxelo ye-13 ye-bankruptcy, ingeniso evela kwisicwangciso sakho somhlala-phantsi okanye izicwangciso ziyakuthi zibandakanywe ekuqaliseni ukuba unako ukuhlawula njani ityala lakho.
3. Ngaba ababolekisi bangayifumana kwingeniso ye-Social Security?
Ngokwenene, i- Social Security kunye nokukhubazeka kwengeniso ikhuselwe phantsi komthetho we-federal ukusuka ekuhlotshiswe ngababoleki . Xa imali ixabise i-akhawunti yakho yasebhanki, ke, imali ingenakho ukuhlobisa. Iindaba ezilungileyo kukuba, phantsi kolawulo lwe-2011, iibhanki kufuneka ziyazi ukuba iifayile zentlawulo zifakwe kwi-akhawunti ngaphambi kokuba zilungise impahla ngaphakathi. Ukuba ukhuseleko lwezeNtlalo kunye neenzuzo ezikarhulumente ezifanayo zifakiwe, iintlawulo ezimbini zeenyanga zikhuselwe ekuhlotheni. Abanye abantu bayidlala ngokukhuselekileyo ngokugcina iNgeniso yeNtlalo yeNkcazo kwi-akhawunti ecacileyo ngoko kucacile ukuba i-asethi ihluke kwabanye.
4. Ngaba ndinako ukukhulula amatyala ezokwelapha ngokusebenzisa i-bankruptcy?
Ewe, ukuba uyakufanelekela iSahluko 7 sokutshatyalaliswa, iindleko zakho zezokwelapha okanye ityala elijongene nokunakekelwa kwezempilo libalwe phakathi kweentlobo zetyala ezingakhutshwa (ngamanye amazwi: zicinywa ngokupheleleyo).
Amatyala ekhadi lokuthenga ngetyala, iimali-mboleko zemali, iimali-mboleko zesebenzayo, iimirhumo zommeli kunye nezinye izigwebo zenkundla nazo ziya kukhutshwa. Ukuboleka imali, ukuhlawulwa kweemoto, izibambiso zerhafu kunye nezinye iindleko zerhafu , ukuxhaswa kwabantwana, kunye nenkokhelo yemboleko yemfundo yindleko eziqhelekanga ezingenakukhutshwa kwiSahluko 7. Ukuba awufanelanga iSahluko 7 kuba unemivuzo yokuhlangabezana nale mibopheleleko, unokuqwalasela iSahluko 13. Ngalolu hlobo lokuchithwa kwebhanki, udala ukuhlawula ababolekisi, kuquka nabanikezeli bezonyango, ngokuhamba kwexesha.
5. Ngaba i-bankruptcy ingcinga efanelekileyo kubantu abadala?
Oku kuxho mekeke kwimeko yakho. Ukuba ugosa kwiibhili zezonyango ezingenakuhlawulwa okanye inzala yekhadi lesikweletu kunye nemali yokugqibela, ukuphawulwa kwemali kunokunika uncedo. Nangona kunjalo, abanye abakhulileyo bangabonwa ngokuba "ubungqina bokugweba," oko kuthetha ukuba awukho nto kubathengi ukuba baqokelele ukuba bakugwebe kwaye bawine.
Ukuba le yimeko yakho, i-bankruptcy ingabalulekanga. Fumana okunye malunga ne-bankruptcy kwaye ingaba kuqondakala kuwe.
Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.