Ngamanye amaxesha, umboleki unamatyala angenakuqedwa ngokulula, okanye ahlawulwe iintlawulo zemali mboleko kwizindlu okanye ngemoto. Kwimeko yeSahluko 13, endaweni yokunikezela kwipropati eza kuthengiswa ukuhlawula amatyala, umboleki uya kwenza intlawulo nganye ngenyanga ukuya kwiminyaka emithathu ukuya kweyesihlanu kumphathiswa owanikela kubathengi bemboleki. Oku kunika umboleki ithuba lokubanjelwa kwixesha elidlulileyo ngenxa yezindlu okanye iintlawulo zeemoto okanye ukuhlawula ityala elingenakuhlawulelwa ebomini kwisicwangciso.
Ukubala ezo ntlawulo akuyona nje umcimbi wokongeza iibhilikhwe zakho nokwahlula kwiinyanga ezingama-60. Ukubala kuninzi kakhulu kunzima kwaye kuyinkimbinkimbi. Kuqwalasela ingeniso yakho kunye neendleko, inani lemali-mboleko yakho, iintlobo zamatyala, kunye nexabiso lepropati yakho. Nantsi indlela esebenza ngayo:
Ingeniso yakho kunye neNdleko
Ukuxhasa isicwangciso seSahluko 13, kufuneka ube nomthombo ongenamkeleko wengeniso. Le ngeniso idla ngokuvela kwimali efunyenweyo evela kwingqesho, kodwa ingavela nakweminye imithombo efana neshishini, i-alimony, ipensheni, i-Social Security okanye ukukhubazeka kweentlawulo, kwanembuyekezo yokungasebenzi.
Isicwangciso kufuneka senze i-akhawunti nayiphi na ibhonasi okanye rhoqo ukuhlawula ngenxa yokuphakamisa, okanye ukunciphisa umvuzo, njengalezo ezivela emsebenzini wonyaka. Enyanisweni, kunokwenzeka ukwakhiwa kwesicwangciso apho imali yokuhlawula iya kutshintshwa minyaka yonke, emva kweenyanga ezintandathu okanye kwinyanga yonke ukuba inzuzo ikulindeleke ukuba ikhulise okanye iyancipha.
Ngenxa yoko, umboleki kufuneka anikezele inkundla ngobungqina bemivuzo kwiinyanga ezintandathu ezipheleleyo phambi kokuba ityala lifakwe.
Kufuneka kwakhona unikezele inkundla ngolwahlu lweendleko zakho zenyanga. Kwezinye iindleko, sisebenzisa iindleko zakho zangempela. Kodwa kwabanye, iCongress ithathe isigqibo sokuba sinokusebenzisa uhlobo oluthile okanye inani elithile leendleko. Ngokomzekelo, sinokuqwalasela umyinge okhoyo owuhlawula umrhumo wakho okanye irente. Kodwa, izixhobo zakho zisebenzisana ndawonye kwisixa esicacileyo esichazwe ngamatshathi apapashwe yiNkonzo yangaphakathi yeNgeniso.
Umvuzo onokulahlwa
Xa sithatha iindleko zakho ezifanelekileyo neziyimfuneko kwimali yakho engenayo, sishiywe " ngeniso engenayo ". Kubantu abaninzi, imali engenayo ihlawulelwa yenyanga. Kwabanye abaneentlobo ezithile zeetyala okanye ngexabiso lokungahlawulwanga , ukubalwa kwentlawulo kubandakanyeka ngakumbi.
Iintlobo zeMatyala
Umboleki ngamnye kufuneka afake ifom enkundleni ebizwa ngokuba nguBungqina bemo . Kuyo, umbolekisi uza kuxela inkundla ukuba umbolekisi ucinga ukuba unetyala. Umboleki-mali uya kufaka iikopi zamaxwebhu ukuba abonise ukuba unetyala kwiityala kunye neengxelo ze-akhawunti ukubonisa ukuba uninzi kangakanani.
Abanye ababolekisi banezinto ezibizwa ngokuba yimali e-Priority Debts . Ezi matyala kufuneka zihlawulwe ngokupheleleyo neSicwangciso seSahluko 13. Ziquka iintlawulo zerhafu ezithile, ezidlulileyo ngenxa ye-alimony kunye nokuxhaswa kwabantwana, umvuzo omele usebenze wona kunye nezinye iintlobo zematyala.
Ukuba ungasemva kwindlu yakho okanye iintlawulo zeemoto (ezibizwa ngokuba yiziThuthi eziKhuselekileyo ), kwaye ufuna ukugcina indlu okanye imoto, iSahluko 13 sakho sokuhlawula kufuneka sikwanele ukuhlawula ixabiso elidlulileyo ngokwexesha lakho kwisicwangciso.
Amaxabiso angabikho
Ukuba unempahla engaphezulu kunokuba uya kuvunyelwa ukuba uhlale kwimeko yeSahluko 7, kufuneka ulandelelanise ezo zinto ezingekho phantsi kweSahluko 13 socwangciso . Kwimeko yeSahluko 13, ababolekisi bakho abangakhuselekanga, njengamatyala afana namakhadi-mboleko, iibhilidi zonyango kunye neemboleko zemali, kufuneka zihlawulwe ubuncinci njengoko ziya kufumana ukuba unifake isahluko sesi-7.
Ngako ke, imali ehlawulwa ngabathengi bakho abangaqinisekanga kufuneka ilingane ubuncinane ubunani bexabiso lakho lokungahlawulwanga. Oku kubizwa ngokuba yiNtshisekelo ephezulu kakhulu yokuThengwa kwabaThengi .
Yintoni Ekhohlo ekupheleni kwesiCwangciso
Emva kweemali zakho eziphambili kunye nezikweletu zakho ezikhuselekile zihlawulwa, nantoni na eseleyo yahlula phakathi kwamabango anikezelwe ngamatyala angakhuselekanga.
Nasi ubuhle beSahluko 13: Xa ufika ekupheleni kwesicwangciso sakho, ingaba iinyanga ezingama-36 okanye ezingama-60, ukuba awuzange ukhokhe ngokwaneleyo ngecebo lakho lokuhlawula loo matyala aqinisekisiwe 100%, akunandaba. Abanye baya kuxolelwa. Sithetha ukuba amatyala akhululwa .
Ukuyibeka Konke
Nasi umzekelo wezinto ezisiseko zokubala iSahluko 13 sokuhlawula isicwangciso:
| Qala nge | Imali Yonyaka | $ 40,000 |
| shenxisa | Iindleko zonyaka | $ 30,000 |
| yongeza | Ityala eliPhambili | $ 5,000 |
| yongeza | Ixabiso lexabiso lokungahlawulwanga | $ 2,000 |
| Iyonke iyakuhlawulwa kwiSicwangciso seSahluko 13 | $ 17,000 | |
| hlukana | Iinyanga ezingama-60 ukuqinisekisa ukuhlawulwa kwenyanga | $ 284 |
Ukubala iSahluko 13 isicwangciso sokuhlawula akusiyo intliziyo engapheliyo. Nangona kungenziwa ngesandla, amaninzi amaninzi abameli bee-bankruptcy advocates depend on software software. Esi sizathu esinye sokuba kutheni iSahluko 13 se-pro se (ngaphandle kommeli) kunokuba nzima kakhulu.
Uhlaziywe ngoMashi 2017 nguCarron Nicks