Ukunyaniseka . Musa ukufihla nantoni na. Kukho ubukhulu obuphezulu obuya kufumaneka ukuba uyayifumana.
Ukulala ngokumalunga nenkundla yamatyala kuthiwa yi-perjury. Ukuba ufunyanwe ukuba uxoxe kwiishedyuli zakho, kwiintlanganiso zabathengi , nakwezinye iimaphepha ezifakwe enkundleni, okanye nayiphi na enye inqina enkundleni, unokulahlekelwa ilungelo lakho lokukhutshwa , okanye ulahlekelwe ukukhutshwa xa sele sele kukhutshwa. Funda kabanzi malunga nemiphumo yokulala phantsi kwesifungo kwiPerjury kwiNkundla yokuPhawula .
Ukubonelela ngolwazi oluchanekileyo kunye olupheleleyo. Unolwazi oluninzi luya kufaka i-case bankruptcy. Kufuneka uchonge bonke ababolekisi bakho, iimpahla zakho, ingeniso yakho, iindleko zakho, kunye nolwazi malunga nokuthengwa kwemali kunye nokusebenzisana neminyaka emibini ngaphambi kokuba ufake i-bankruptcy. Oko kuthetha ukuba awukwazi ukushiya loo $ 500 enetyala kuMalume uFred ("Andifuni ukuba azi malunga nokutshatyalaliswa") okanye isikhephe osibekele kuso kwi-marina ("Emva koko, ngubani na oyaziyo ukuba ukhona?" ) U
Sebenzisane negosa lakho . Igosa lakho likhona ukunceda.
Uyazi okufunekayo kwimeko ephumelelayo. Ukuba ucela ulwazi, unikeze ngokukhawuleza. Ukuba ufuna ukuthetha nawe malunga necala lakho, buyela umnxeba ngokukhawuleza. Bhatala intlawulo yommeli wakho ngokukhawuleza, naye. Ungalindeli ukuba ugqwetha lakho likuthwale ngokuqhubekayo ukuba awukwazi okanye awuyi kuhlawula umrhumo.
Gcwalisa ngaphambi kokufakela ukululekwa kweMboleko . Wonke umntu onetyala kufuneka agqibe iseshoni yokucebisa ngekhredithi phambi kokuba ityala lifakwe. Oku kunokwenzeka ukuba yinto engumsebenzi. Emva kwakho konke, ngeli xesha ufikelele kwindawo yokuthetha kunye negqwetha malunga nemiba yakho yezemali, akukho mcebisi ngekhredithi. Izifundo ziye zathwala oku. Kodwa ke, oku kuqhubeka kuyimfuneko kwimithetho ye-bankruptcy kwaye kufuneka uyihambise okanye awuvumelekanga ukuba ufake ifowuni.
Gcwalisa i-Post-filing Education Debtor. Icala le-flip leemfuno zokweluleka ngekhredithi ngumfundi wemali -mboleko (okanye uxanduva lwemali) . Wonke umntu obolekayo uthatha le khosi emva kokufowunelwa kodwa ngaphambi kokuba inkundla ikhutshwe. Ukuba uyaphula ukuthatha ikhosi, awuyi kufumana oko osebenze kanzima kule nkqubo - ukukhutshwa komyalelo wokukhutshwa .
Nika iikopi zerhafu yakho yentlawulo iminyaka emibili kwaye uhlawule i-stubs kwiinyanga ezintandathu. Izitifiketi zokuhlawula zisetyenziselwa ukuchonga ukuba ngaba udlulisa iindlela zokuvavanya iSahluko 7 okanye ukuba ufuna ukufaka ifowuni yeSahluko 13 sokuhlawula. Imbuyekezo yentela iyadingeka ukubonakalisa ukuba iirejista zakho zerhafu zifike ngoku.
Ifayile yefayile ibuyiswa ngexesha lekhosi . Ngokukodwa kwiimeko zeSahluko 13, ezinokuhlala zifike kwiminyaka emihlanu, kufuneka ufake ifayile yakho yerhafu minyaka yonke okanye umngcipheko wokuxoxwa kwetyala lakho.
Fakela ingxelo yeenjongo . Ukuba unesiqinisekiso sokufumana ukuhlawulwa kwetyala, njengemali-mboleko yemoto, indlu yokubolekwa kwemali okanye nayiphi na enye ityala elikhuselekile, kufuneka ufake ifom yeenjongo ngenkundla ibonisa oko uzimisele ukukwenza malunga nombambano kunye netyala: qi , ukukhulula okanye ukunikela. Ukwaxanduva lokubona ukuba wenza iinjongo zakho ngaphakathi kwexesha elide, eliqhelekileyo kwiintsuku ezingama-30 emva kwentlanganiso yabathengi.
Yiya kwiintlanganiso zabathengi. Uyafuneka ukuba ube khona kwiintlanganiso zabathengi kungakhathaliseki ukuba isahluko esiphila kuyo. Iintlanganiso zeSahluko sesi-7 kunye neSahluko 13 sinokubonakala zihluke kakhulu, kodwa zombini zenzelwe ukwenza izinto ezimbini: banike abakweleta ithuba lokukubuza malunga nophatho lwetyala labo kunye nezimali zakho ngokubanzi kwaye unike umboleki ithuba lokucacisa , uchaze, okanye udibanise ulwazi olufakwe kwiishedyuli.
Ukusebenzisana nomphathiswa. Umphathiswa uhlawuliswa ngemisebenzi emininzi, kubandakanywa nomsebenzi wokuqwalasela ukuba unayo nayiphi na impahla ayinayo ukuthengisa (ukuthengisa) ukuvelisa imali ukuhlawula iimangalo zemali-mboleko. Kumele unikezele nayiphina impahla enokungahlawulwanga ukuba ifunwe ngu-trustee kwaye kufuneka unikeze ukufikelela kwiincwadi zakho, iirekhodi kunye namaxwebhu xa kucelwa ngumphathiswa. Ukuba ungancedi ukunika i-trustee ngamaxwebhu okanye ulwazi olufunekayo ukuba enze umsebenzi wakhe kwaye ahlolisise ezo zimpahla, uya kulahla ukukhutshwa kwakho .
Bhatala isicwangciso sakho seentlawulo kwiimeko zeSahluko 13. Ukuba uhluleka ukwenza iintlawulo zakho kwimeko yeSahluko 13, ityala lakho liya kukhutshwa. Enyanisweni, ukuba ungaphumeleli ukwenza ezinye iintlobo zeentlawulo ngexesha lakho ityala, ityala lakho linokuxothwa okanye awuyi kufumana ukukhutshwa. Ezi ziquka ukuxhaswa kunye nokuxhaswa kwabantwana, nakwezinye iindawo, izikwere zerhafu, iintlawulo zemali kunye neentlawulo zemoto.