5 "Iimvavanyo" Ukugqithisela ukuFaka Isahluko 7 Ukuchithwa
Ukuba unzima ngetyala, unokuqwalasela ukufaka iSahluko 7 sokutshatyalaliswa ukuze usule i-slate ecocekileyo kwaye uqalise ngaphaya kwamatyala ahlawulwe. Isahluko 7 sokutshatyalaliswa kwintlobo ye-bankruptcy apho ipropati ethile ithengiswa kwaye isetyenziselwa ukuhlawula zonke okanye ezinye zeetyala zakho. Ukuba awunayo ifayili engasetyenzwa kwakhona, amaninzi amatyala akho aya kukhutshwa, okanye akhanselwe, ekupheleni kwecala lokubhankanya.
Akuyena wonke umntu ofanelekileyo ukufaka ifayile yeSahluko 7, ngokukodwa abantu abaneemali eziphezulu ezikwazi ukuhlawula izikweletu zabo kwiSahluko 13 se-bankruptcy . Nalu uluhlu lweendlela ezikufanelekelayo ukuba iSahluko 7 sichithwe.
01 Umele udlule ukutshatyalaliswa kuthetha ukuhlolwa.
Ukutshatyalaliswa kuthetha ukuvavanya ukulinganiswa kwengeniso yakho yenyanga yentsapho yenkokeli yentsapho ephakathi kwentsapho yakho yobukhulu. Ukuba ingeniso yakho yenyanga iyadlula ingeniso yemali, ungenako ukufaka iSahluko 7 se-bankruptcy.
Uvavanyo lweendlela lufuneka ukuba ukuba ngaphezulu kwehafu ityala lakho livela ekuthengeni abathengi kunezo shishini, irhafu, okanye amatyala amatyala. (Ukuhlawulwa kwamatyala ngamatyala okulimala okanye umonakalo oye wabangela omnye umntu.) Ukuba ingeniso yakho ayifumananga novavanyo lwendlela, ingabonisa ukuba unayo imali eyaneleyo emva kokuhlawula iindleko ukubuyisela amanye amatyala akho.
02 Ungumntu ngamnye, isibini esitshatileyo okanye umnini-shishini.
Awukwazi ukufakela umthengi Isahluko 7 sokutshatyalaliswa egameni lenkampani, LLC, okanye ubambiswano. Endaweni yoko, kufuneka ufake ifayile yeSahluko 7 e-bankruptcy enenkqubo eyahlukileyo kunezinto ezixoxwa apha.
Unokwenza iSahluko sesi-7 sifikelele kubathengi ukuba:- Wena ungumntu
- Utshatile kwaye uthumela ngokubambisana lakho neqabane lakho
- Wena ungumnikazi wedwa kunye noxanduva lomntu kwiimali ezithile zoshishino
- Unesiqingatha sentsebenziswano yoshishino nomntu ngaphandle kweqabane lakho kunye nokufakela i-bankruptcy kulao matyala e-shishini onomthwalo.
03 Awuzange ufumane ukutshatyalaliswa kwangoku kwangoku.
Umthetho we-bankruptcy uvimbela abantu ukuba baphumelele ukuqhuba izikweletu kwaye baye baxoshwa kwinkundla ye-bankruptcy. Awukwazi ngokusemthethweni ukufakela iSahluko 7 sokuchithwa xa unesiqendu esingaphambi kweSahluko 7 sokuchithwa kwebhanki kwiminyaka eyi-8 edlulileyo, okanye iSahluko 13 sokuchithwa kwe-bankruptcy kwiminyaka emi-6 edluleyo.
Ixesha lokufowunelwa liqala ukususela ngomhla owenziwe ngayo ukugqithiswa kwakho kwangaphambili kunokuba xa u-bankruptcy ekhutshwe.
04 Awunalo ukutshatyalaliswa kwangoku kutshintshiselwa.
Awukwazi ukufowula iSahluko 7 sokutsalwa kwezimali xa unokutshitshiswa kwebhanki kwiintsuku ezili-180 ezidlulileyo kwisinye sezi zizathu: uyaphula umyalelo wenkundla, uxhatshaza inkqubo yokuchithwa, ucela ukuxothwa, okanye ucele ukuxothwa ngenxa yokuba umboleki-mboleko ucele ukuhlala ngokuzenzekelayo kuphakanyiswe.
05 Ufanele ufumane iingcebiso ngeentengo zemboleko.
Ukufakela nayiphi na uhlobo lokutsalwa kwe-bankruptcy, kufuneka ufumane ukululekwa ngetyala kwi-agency agunyazisiweyo ye-credit agency. Akudingeki ukuba ufumane iingcebiso ngaphambi kokuba ufake i-bankruptcy, kodwa kufuneka uwugqibe ngaphandle kweentsuku ezingama-180 ngaphambi kokukhutshwa kwebhanki.
Icandelo leengcebiso zekhredithi kufuneka zibandakanye iikholeji zolawulo lweeyure ezimbini. Ii-Agencies ezinikezela le khosi azihlali zingeniso inzuzo, kodwa kufuneka zikwazi ukunikela ngeenkonzo ezikhululekile okanye eziphantsi kweendleko kuwe ukuba awukwazi ukufumana ixabiso elipheleleyo. I-Ofisi yeTrasti yase-US inoluhlu lwama-rhu lumente wee-arhente ezivunyiweyo.
Ukuba awufumani ukunika iingcebiso ngekhredithi kwixesha elichaziweyo, ityala lakho lokutsalwa liza kukhishwa.
06 Fumana iingcebiso zommeli.
Oku akusiyo isiluleko somthetho. Ukuba ucinga ngokubhankqalaza kwaye awuqinisekanga ngokupheleleyo ukuba ufanelekile, funa icebiso lobuchwepheshe kummeli we-bankruptcy.