Ngaba Ndiyifuna Ummeli Konke?
Umbuzo thina abagwebi bebhanki bava ngayo yonke ixesha. "Ukuba ndiqhekekile, ndingayimqesha njani ummeli we-bankruptcy?" Inyaniso ukuba abantu abaninzi balinde de baqhekeza ibhanki ye-piggy ukuba babize igqwetha, kodwa kukho izicwangciso ezinokuthabatha ezinye zokuhlawula igqwetha. Unokufunda okungakumbi malunga neendlela zokwenza oku kweli nqaku: Kufuneka Uninzi Kangakanani Ukufakela i-Bankruptcy?
Izibalo
Ukuba ukhetha ukufakela ityala le-bankruptcy ngaphandle kwegosa, inkundla iya kubiza ukuba ip pro okanye ip ngefayile. Kwezinye iinqununu zaseCalifornia, amaninzi ama-25 ekhulwini amatyala afakwa ngaphandle kokuncediswa ngummeli. Ehlabathini lonke, izinga lifana neepesenti ezingama-9, kwaye ezininzi zazo zikho iSahluko 7.
Ukuba iimali zakho zilula, oko kunokukusebenzela. Sithetha ntoni "ngokulula"? Ukuba awunayo imali yokubolekwa kwemali, umboleko wemoto, okanye nayiphi na enye imboleko yemboleko, kwaye awunayo ifenitshala eyisiseko, iimpahla zendlu, iimpahla kunye nokunye okunjalo.
Ukuba unayo ityala elikhuselekile, kuya kufuneka ujongane nomboleki kwaye unqume ukuba ungene kwisivumelwano sokuqinisekisa okanye ukhulule ipropati.
Ukufayilila ngokwakho, kuya kufuneka ukuba uqonde kakuhle ukuba yeyiphi impahla onokuyixolela ekufikelelekeni kwenkundla. Ukuba ubeka ifowuni yeSahluko 13, uya kufuneka kwakhona ukwazi ukuba iSahluko 13 sisebenza njani kunye nendlela yokuyila enye.
Ngona maxesha amancinane, kuya kufuneka unikezele ngolwazi olunzulu malunga neengeniso zakho, iindleko, ababolekisi, ipropati kunye nokuthengwa kwemali kwiminyaka embalwa edluleyo.
Ukuba ucinga ngokucwangcisa i-case se pro, sinokuluhlu lwamanqaku axubusha into enokuyilindela, ukuqala nge- Filing Bankruptcy ngaphandle koMmeli. Ngaba Unako okanye Ngaba Unako?
Ewe, Ndifuna ummeli!
Kukho iintlobo ezimbini zamagqwetha asebhankini. Amanye amagqwetha agxininise ekusebenzeni nabantu ngabanye ngokufaka iSahluko sesi-7 kunye neCandelo lama-13. Sibiza abo bameli bebhenkethi. Amanye amagqwetha asebenza ngokukodwa ngamashishini ukuba afake iimeko ze-Chapter 11 zokulungiswa kwakhona kunye neziganeko zeSahluko 7. Abo sikubiza ngokuba ngabameli bamashishini okanye abashishini. Nangona ngokubanzi, nabani na owenza i-bankruptcy bafanelekile ukuba bafake iimeko zomntu ngamnye kunye nezoshishino, ugxininiso luye lwahlukileyo ngokwaneleyo ukuba amagqwetha amaninzi akhetha enye.
I-Bankruptcy Mills ne-Solo / i-Small Stand firm
Uninzi lwabameli bebhanki bebhendi basebenza kwimigangatho yecala okanye ngamanye amagosa ambalwa, ngabagadi bamagosa kunye nabanye abancedisi beencwadi njengoko kufuneka. Abanye amagqwetha baye basebenzela ukuphakamisa ukusetyenziswa kwegqwetha elingekho gqwetha. La magqwetha athembela kakhulu kubaqeshwa beepalamente kunye nabasebenzi bee-clerical ukwenza ubuninzi bomsebenzi, kunye nommeli omnye okanye abambalwa abajongene nabasebenzi.
Abanye abantu bayabiza loo mishini yebhanki. Kwimeko yendawo yokugaya, awukwazi ukudibana nommeli de uze uhlale phantsi kwintlanganiso yababolekisi malunga nenyanga emva kokuba ityala lifakwe.
Iindlwana ze-Bankruptcy azihlawulisi imali encinci ngenxa yeenkonzo zabo kunabanye amagqwetha. Imirhumo ilawulwa yimarike kwaye ihlaziywa yi-Ofisi yeTrasti yase-US. Mhlawumbi uya kufumana ukuba abagwebi abaninzi kubathengi kwingingqi yakho bahlawule malunga nomlinganiselo ofanayo,
Kwisitye se-bankruptcy, iindima ngaphakathi kwenkampani ziqhelekile kakhulu. Unokubambisana nommangali owenza ulwazi lwakho, ummangaleli ochaza inkqubo, ummeli-ncedisi okunceda ukuba uqokelele ulwazi olufunayo ukufakela ityala, njl. Unokusebenzisana nommeli ophethe intlanganiso yababolekisi, kwaye ummeli ohlukileyo ukuba unemiba ethile kwimeko yakho.
Kukho iingenelo kulo mzekelo, kodwa abaninzi abathengi bangaphambili bavakalisa ukuba babecala njengenye ityala le-bankruptcy kunye nokuba akukho mntu wayethetha ngqo nemiba yakhe. Ngaloo nto, i-solo yendabuko okanye inkqubo encinci yenkampani ifanelekileyo. Akuncinci kwinqanaba leenkampani okanye kwiintlanganiso, kunye nezandla ezininzi kwiinkcukacha zabantu kunye nokufikelela kummeli wakho.
Ukuba ungenelisekanga ngegqwetha lakho emva kokufayiliza, khangela le ngqaku: Xa ungeyonwabi noMmeli wakho weBhanki.
Ndingafumanaphi Igosa?
Akukho nqongophala bamagqwetha abafuna ithuba lokubonelela ngeenkonzo. Bathetha kwi-TV yakho ngexesha le-sopha yamaspala kwaye bajonge kuwe ukusuka kwiibhilidi kuyo yonke idolophu. Kodwa kunzima ukwazi ukuba ufanele uhambe nomnye walabo bafana abanombolo yefowuni oye uyikhumbuza kwi-jingle yakhe yentengiso, okanye ukuba ufuna ukumba ubunzulu ukuze ufumane umntu onokukunika inkonzo enomntu oyedwa. Nazi ezinye indawo ezifanelekileyo zokujonga.
Ukuba Uyingenelo yeNtsapho Yentlawulo
Ukuba inzala yakho yentsapho ingaphantsi kwama-125 ekhulwini kwikhokelo yentlupheko yesigqeba, unokufumana ilungelo lokufumana iinkonzo zamahhala ngeNkundla yoNcedo okanye kwiNkxaso yeeNkonzo zoMthetho. Ezi mibutho ezingenzi nzuzo zibonelela ngeenkonzo zomthetho zomntu kubantu abanokuthobeka kakhulu. Imfuno yabo yengeniso ziqine kakhulu, kodwa ukuba usuphelelwe umsebenzi ixesha elithile, ukhubazekile, okanye uncedo loluntu, kubalulekile ukujonga.
Imibutho yeBra kwiidolophu ezininzi zihlala ziqhuba iiprojekti zeprojekti zinikezela ngeendleko eziphantsi okanye ngaphandle kweenkonzo zendleko kubantu abafanelekayo ngokwemali engenayo, ingqesho, okanye isimo sezokwelapha. Iprogram nganye ineenkalo zayo kunye nokufumaneka kwamalungu ebha ekulungele ukubonelela ngeenkonzo zepro bono. Nasi umzekelo weprogram yenkundla yokuzithandela e-Dallas, eTexas. Nantsi enye eDuluth, eMinnesota.
Ukudluliselwa komntu
Abaninzi bam abathengi beza kum ngokuthumela abantu. Abaxhasi bamandulo babedlulisa ngolwazi lwam oqhagamshelwano nabahlobo babo, abo basebenza nabo nezihlobo. Ukuba ufuna isiluleko somntu siqu, kuya kufuneka ukuba uxoxe ngeemfuno zakho, kwaye abanye abantu bakufumananga ukuthetha ngokumalunga neengxaki zabo zemali. Unokufumana, nangona kunjalo, ukuba abaninzi abantu abasondeleyo kuwe bajongana nemiba efanayo okanye bazi umntu onayo. Ngezinye iakhawunti, ngaphezu kwexesha lokuphila, omnye kwabafundi abalishumi baya kufaka i-case bankruptcy. Cinga ngelo xesha elizayo uhleli kwiintlanganiso ze-PTA.
Ngokuqinisekileyo, unako ukuthetha nabantu ngokubuza imibuzo endala, "Ndinomhlobo kwinqanaba lam yesikolo leCawe elifuna ummeli we-bankruptcy. Ngaba uyazi na? "
Iinjongo zophando
Kwabaninzi bethu, ukuphela kwethu kokuqala xa sifuna uchwepheshe, nokuba yiplumberhi, ugqirha okanye igqwetha, yi-Intanethi. Kwenzeka ntoni xa ufuna "[umzi wakho] ugqwetha"? Uluhlu lokuqala luya kuxhaswa ngumxholo. Abo babameli bahlawule ilungelo lokuvela phezulu kwoluhlu lwakho lokukhangela. Ezinye ziyi-mill e-bankruptcy, kodwa ezinye ziyingcali kunye nabasebenzi abancinane. Kunzima ukuxelela oko ufumana kwiintengiso okanye nakwiiwebhusayithi. Abanye bamagqwetha abancinci ndibaziyo abathengi iimpapasho kwaye ababonakali nakwikhasi lokuqala lohlu lokukhangela. A bambalwa abanakho iiwebhu.
Umbutho kaZwelonke weeNqwelo zeBhanki
Enye yezona zixhobo ezisemgangathweni kwi-intanethi yifumana i-Attorney feature kwiwebhusayithi ye-National Association of Consumer Bankruptcy Attorneys (NACBA). I-NACBA yinkampani yokuqala yorhwebo yoorhwebo kubabameli abamela abantu ngabanye ekufakeni iSahluko 7 nakwiimeko zeSahluko 13. Ukuba ukhetha ilungu le-NACBA, unokusebenza kunye nomntu oxabisa iinjongo zokunxibelelana, ukugcina okungafaniyo neenguqu ezitshintshiweyo kumthetho kunye nezigqibo ezibalulekileyo zeemeko, kwaye usebenza kummandla wasemthethweni.
Umbutho kaZwelonke wabameli beeThengi
Enye inokwenzeka yiNational Association of Consumer Advocates, omnye umbutho wezorhwebo owenziwe ikakhulukazi ngamagqwetha abenza umyalelo wabathengi. Amagqwetha amaninzi kubathengi aphinde asebenzise umthetho we-bankruptcy.
Iinkonzo zoLwazi lweeNtanethi
Kule minyaka engama-20 edluleyo, iinkonzo zokuthunyelwa kwezomthetho ezisemthethweni ziye zahlwaywa. Zininzi zalewebhu zibonelela ngamanqaku ngezihloko ezahlukahlukeneyo zomthetho, kubandakanywa ne-bankruptcy. Ezinye zeenkonzo ezithandwayo zikhona
- Nolo
- Lawyers.com
- Avvo
- LegalMatch
- Uphulo lwezomthetho
Ezi ziza ziza kubonelela uludwe olungapheliyo lwamagqwetha abasebenza kwindawo yakho. Akukho ndleko kuwe kuweluhlu lokuthunyelwa. Abathengi bahlawula ukuba amagama abo adweliswe kwiindawo.
Iingingqi zeBar Yendawo
Umbutho wakho wendawo ye-bar uya kuba nenkonzo yokuthumela. Ukuba ufownela okanye ubuze i-intanethi, baya kukunikezela ngokukhululekileyo uluhlu lwamalungu abenza uqeqesho olukhethekileyo.
Zingakanani Iindleko Zokufakela I-Bankruptcy?
I-subtext apha, "Ngaba ndimele ndikhethe igqwetha ngokuthi libiza kangakanani?" Kuyavunywa, oku kungenokuba kukukhathazeka ngokuyinhloko. Emva kwakho konke, mhlawumbi ujongene nemicimbi yezemali ixesha elithile kwaye ungananto enkulu yokusasaza.
Uya kuba neendleko ezintathu ezahlukileyo xa ufaka icala le-bankruptcy.
- Inkundla yokuFaka iNkundla : i-$ 335 yeSahluko 7; $ 310 kwiSahluko 13
- I-Counseling Counselling Fee : Iseshoni yokunika iingcebiso ngeengxowa-mali ngaphambi kokufowunwa kunye nokufundiswa kwemali yokuthunyelwa kweposi emva kokuthunyelwa kwemali kunikezelwa yimibutho eyimfuneko ehlawula umrhumo, ngokuqhelekileyo phakathi kwe-$ 25 ne-$ 50. Igqwetha lakho linokukunika amagama eenkonzo ezikhoyo kwindawo yakho nakwi-Intanethi.
- I-Attorney's Fee : Intlawulo yommeli wakho uya kuhlawulisa kunzima ukuhlula kwaye ihluke kwilizwe lonke. Endaweni yam, eNorth Texas, amagqwetha ahlawulisa imali engama-2,000 ukuya kwii-2,500 zamaRhafu kwiSahluko se-7 ngokuchanekileyo kunye ne-$ 3,500 kwi-Candelo lesi-13 sesicwangciso sokuhlawula. Abanye abameli bahlawulisa ngakumbi xa bobabini bomtshato bafaka ifowuni enye, xa baninzi abanetyala, okanye xa kukho ityala lithintekayo.
Ngolunye ulwazi malunga neendleko, khangela ukuba Kufuneka Uninzi Kangakanani Ukufakela i-Bankruptcy?