Kungenxa yokuba ukukhutshwa kwakho kukhanyela okanye kukhishwa, oko akuthethi ukuba ityala liya kukhishwa kwaye libuyele kwisimo se-ante kunye nesimo sakho sokuqala.
Inombolo iya kuqhubeka. Oku kuthetha ukuba itrasti inokuthi ilandele ifa lakho elingenakho ukuxolelwa kwaye liyithengise ukuhlawula abathengi bakho.
Ukukhutshwa kwakho kungakhishwa ngaphambi kokuba ungene. Nasi isizathu :
Okokuqala, kukho imimiselo ethile ekufuneka uhlangane nayo ukuze ufanele ukukhutshwa . Ezi ziquka:
Ukugqiba uqeqesho lweengxowa-mali olufunekayo okanye izifundo zokulawula imali
Ukubuyiswa kweerhafu
Ukugcinwa kwangoku kwiintlawulo zenkxaso-mboleko yasekhaya njengokuxhasa abantwana kunye ne-alimony
Ukuba uthe wafaka i-bankruptcy ngaphambili, awukwazi ukufumana enye inkunkuma kwindawo elandelayo
Ukuba ufumene isahluko 7 sokuchithwa kwe-bankruptcy kwiminyaka eyi-8 idlulileyo
Ukuba ufumene ukukhutshwa kweSahluko 13 kwiminyaka emi-6 edluleyo
Ukungathembeki ngokufakela kwakho okanye ekusebenzisaneni nababolekisi bakho, inkundla okanye itrasti ingaba yingozi kwimeko yakho. Unokulahlekelwa ukukhutshwa kwakho
- Ukufihla impahla kwi-trustee okanye ngababolekisi bakho, kuquka ukuhluleka ukutyhila ipropati kwiishedyuli zakho ze-bankruptcy, okanye ukuzithumela komnye umntu ngaphambili okanye ngexesha lokutyunjwa (nangona emva kokuba ityala ligqityiwe) ngenjongo yokuligcina kude ne-trustee kwaye mboleki.
- Ukutshabalalisa iincwadi zemali okanye iirekhodi ukwenzela ukuba umphathiswa kunye nabathengi abanako ukuvavanya umfanekiso wakho wezezimali.
- Ukuhluleka ukuguqula iirekhodi zerhafu.
- Ukwenza iingxelo zobuxoki, ngomlomo okanye ngokubhaliweyo, malunga neempahla zakho, umvuzo kunye namatyala. Oku kungabandakanya ulwazi olungalunganga olufakwe kwiishedyuli okanye ulwazi olushiywe kwiishedyuli, kunye naluphi na ubungqina bobuxoki obunikela enkundleni.
- Ukungakwazi ukuchaza okanye ukuphendula ngokulahlekelwa kwipropati okanye imali. Ngokomzekelo, ulahlekelwa yi-$ 15,000 kwi-inventory yokuthengisa emva nje kokuba ityala lifakwe, kodwa awukwazi ukuba kwenzeka ntoni okanye apho bekuya khona.
- Ukuphulwa komyalelo wenkundla, ngokuqhelekileyo ngokumalunga nokukhanyela ukuguqula amaxwebhu okanye impahla engekho nto.
- Ukuhluleka ukuxelela inkundla malunga necala langaphambili lebhanki.
Ukukhutshwa kwakho kungakhankanywa nangemva kokungena kwayo.
Kukho iSahluko 7 okanye iSahluko 13:
- Ufumene ukukhutshwa ngokukhwabanisa okungazange kufumaneke emva kokuphuma kokukhutshwa. Oku kungabandakanya ukulala emaphepheni akho e-bankruptcy, ukuhluleka ukutyhila impahla, okanye ukuhluleka ukutyhila yonke imvelaphi yengeniso.
Ukongeza, ukukhutshwa kwakho kungasuswa kwiSahluko 7 xa:
- Ufumene okanye waba nelungelo lokufumana ipropati eya kubandakanywa kwi-bankruptcy, kodwa awukwazanga ukwazisa umphathiswa. Ngokomzekelo, ufumene ilifa ezintathu emva kwexesha lokufakela imali, kodwa akazange atshele umphathiswa wakho.
- Wenqaba ukuthobela imiyalelo yenkundla okanye wahluleka ukusebenzisana ne-trustee yakho.
- Uhlulekile ukuvelisa amaxwebhu afanelekileyo kwimeko yakho okanye awuphumelelanga ngokucacileyo nayiphi na into engeyiyo eyenziwa yinkantolo okanye umphathiswa wakho kwiphepha lakho okanye ngexesha lobubungqina.
Ngubani ophika okanye ovuyisa ukukhutshwa?
Ukutshitshisa okanye ukuphikisa ukukhutshwa ngumsebenzi wejaji ye-bankruptcy. Umphathiswa kunye nababolekisi bakho abanamandla okuphika okanye ukurhoxisa ukukhutshwa. Zizo kuthiwa "amaqela anomdla". Baya kuzisa imiba kwingqalelo yejaji, oya kuthatha isigqibo sokuba ngaba kuya kubangela ukukhanyela okanye ukuchithwa kokukhutshwa. Oku kuvame ukufezwa ngokufakela uxwebhu olubizwa ngokuba isikhalazo, eqala umgwebo ngaphakathi kwimeko yecala. Funda kabanzi malunga nenkqubo elandelayo : Ukukhishwa kweNkunkuma yokuChoxiswa .