Ungadinga ukuzalisa le fomu ukuba ungumntu-mboleko kwimeko ye-bankruptcy
Ngexesha lokuFaka ubungqina beBango
Kwimeko yeSahluko 7, ukuba umphathiswa we- bankruptcy ufumana ixabiso lomntu onamatyala ukuba angathengisa (ahlawule), uya kwazisa ababolekisi ukuba kuya kubakho ukuhanjiswa. Kwimeko apho, uya kwaziswa ngethuba lokugqibela ukufaka ubungqina bfom yebango. Kufuneka ufake ifayile ebungqina. Ngaphandle koko, akukho ntlawulo iya kwenziwa, nangona ibango livumelekile.Ungabona nokukhuphela ifom apha apha: Ifomu elisemthethweni B410.
Kwimeko yeSahluko 13, uya kuba neentsuku ezingama 90 emva kokuba intlanganiso yabathengi ifom ifom yakho ibango. Ngeke uhlawulwe ngaphandle kokuba ufake ubungqina bokuba ibango. Ukuba ityala lakho likhuselekile, kodwa ungasifaki ifom yebango, umboleki unokufaka enye yakho ukuqinisekisa ukuba uyahlawulwa. Xa oko kwenzeka, awukwazi ukulawula oko umboleki enokukufaka kwifomu, kodwa unokuyilungisa.
Ifomu entsha ngoDisemba 2016
Ukususela ngoDisemba 2016, iinkundla zebhanki zifuna ifomu elitsha lefomu yesicelo.
Ngeendlela ezininzi, kulula kubabolekisi ukuba bahambe. Iqulethe nangaphezulu inkcazelo kunye namanqaku. Ungayifumana apha.
Iinkcukacha zajikelele
Ngaphezulu kwefom, kukho ibhokisi ukuchonga umboleki ngegama kunye nenombolo yecala kunye nenkundla yebhanki apho icala lilindele. Unokumisela igama lenkundla yebhanki kunye nenombolo yecala ngokujonga amanye amaxwebhu owamkele enkundleni okanye kumabhalana.
Okulandelayo, kuza uluhlu lwemibuzo echonga ibango lakho:
1. Ngubani na umthengi wamanje?
Ukuba ungumboleki, okanye ummeli-mboleko, qaphela oku apha.
2. Ngaba le mabango ifunyenwe kumnye umntu?
Ukuba uthenge okanye mhlawumbi ufumane ilungelo lokubango komnye umntu okanye kwinkampani, qaphela umntu okanye inkampani.
3. Kuphi na kufuneka ukuba izaziso kunye neentlawulo kumthengi zihanjiswe?
4. Ingabe le mabango alungisa enye ifakiwe?
Ibhaliso yamabango enkundla yoluhlu lwenkundla yamabango afakwe kwimeko. Ibango ngalinye lifumana inombolo ekhethekileyo. Ukuba le yibango elichitshiweyo, unako ukufumana inamba ye-original evela kwi-ofisi yomabhalana wenkundla ye-bankruptcy apho ityala lilindele.
5. Ngaba uyazi ukuba ngaba ubani ubeke ubungqina balo mabango?
Mhlawumbi banamabango amabini kwimali efanayo.
6. Ngaba unayo inombolo oyisebenzisayo ukufumanisa ibango?
Oku kuya kuba yindlela ochonga ngayo ibango kwinkqubo yakho.
7. Ingakanani ibango?
faka ngoku kakhulu ininzi ibango linetyala. Khumbula ukuba uya kufunwa ukuxhasa ibango lakho ngamaphepha angeziwe xa ikhona.
Ukuba ibango libandakanya nayiphina imali yenzala okanye ezinye iindleko eziye zafakwa, zithetha ukuba kwithuba elinikeziwe.
8. Sisiphi isiseko sebango?
Eminye imizekelo iboniswe "iintengiso zithengiswa", "imali ebolekelwe", "iinkonzo ezenziwe." Le mizekelo nje. Awunagcini kwaye unako ukubonelela nayiphi na inkcazo efanelekileyo ifanelana nesibango sakho.
9. Ngaba yonke into okanye inxalenye yesibango ikhuselekile?
Ukuba umntu obolekayo ubeka ityala kwi-ityala, likhuselekile . Kungakhathaliseki ukuba ibango ligcinwe ngokupheleleyo okanye lixhomekeke kwinqanaba lixhomekeke kwisixa esihlawulwayo kunye nexabiso lezinto ezithintekayo. Ibango ligcinwe kuphela kwixabiso lentengo. Ngaphandle koko, ibango alikhuseli.
Lo mbuzo uphinde ucele ukuba isivumelwano sezokhuseleko sizaliswe. Ebhekisela kwindlela apho isivumelwano sokubhalisa sibhalisiwe, sibhalwa okanye senziwa ngenye indlela kumaqela anomdla ukufumana.
10. Ngaba ibango li sekelwe kwisiqeshiso?
Faka phakathi imali efunekayo yokunyanga ukuqeshiswa okungekho phantsi kokungena kumhla wokutsalwa kwetyala lokungabikho.
11. Ngaba ibango liphantsi kwelungelo lokumisa?
Ukuba umntu onetyala uhlawula imali, kwaye unetyala lemali-mboleki, banokukhansela omnye ngaphandle, ubuncinci. Leli lungelo lokumisa . Ukuchonga ipropati onayo leyo ingaba isitopu malunga nebango. Ngokomzekelo, ukuba unayo idiphozithi yebhankini kwibhanki, ibhanki ekukwenkeleni imali leyo. Ukuba ubuye uboleke imali eyi-$ 1,000 ebhankini, ibhanki inokufaka isicelo se-$ 500 ukuba ihlawulwe kuwe kwi-$ 1,000 enetyala lebhanki. Kwimeko apho, ipropathi oyibonayo yi-akhawunti yebhanki.
12. Ngaba le mabango inelungelo lokubaluleka ngaphantsi kwe-11 USC Sec. 507 (a)?
Kukho inani lamatyala anelungelo lokuqala . Ezi matyala ziya kuhlawulwa phambi kwezinye iintlobo zamatyala ukuba akukho mali eyaneleyo yokuhlawula zonke iimangalo ezivunyiweyo ngokupheleleyo. Ukuqonda umahluko phakathi kwebango eliphambili kunye nebango elingabalulekanga lingaba lukhohlisi, kwaye kufuneka uqhagamshelane nommeli omele afanelekileyo ukuba ancede.
Ekugqibeleni, kufuneka ukuba uzibonele kwaye usayine ifom yebango. Ifom yefom yesicelo isayinwe phantsi kwesigwebo se-perjury , oko kuthetha ukuba unokutshutshiswa kwaye ufakwa okanye uvalelwe ngenxa yokulala efom.
UkuXhaswa kwamaxwebhu
Kubaluleke kakhulu ukuba ufake ifayile nayiphi na amaxwebhu ancedayo kunye nefom yakho yesibango. Oku kuya kubandakanya amanqaku okunyusa, izivumelwano, ii-invoyisi, izivumelwano zokhuseleko, okanye ezinye iimibhalo ukuba ubungqina besivumelwano, iingxelo zenyanga, zihlawula iirekhodi, izikhokelo. Amaphepha axhasayo kufuneka abonise (1) ukuba kukho ityala lezomthetho, kwaye (2) ibhalansi efunekayo kwi-matyala. Ngaphandle kwamaxwebhu axhasayo, efunwa yindlela phantsi kwemithetho ye-bankruptcy, ubungqina bokuba ibango abuphelelanga kwaye mhlawumbi uya kufaka isikhalazo kwi-trustee okanye umboleki.
Ukuhlaziywa nguCarron Nicks ngoJulayi 2017