Uhlobo lwesibini oluqhelekileyo lwebhanki kumntu ngabanye luyiSahluko 13 *. Isahluko 13 sincinci malunga nokupheliswa kwetyala kunye nokunye malunga nokulungiswa kwemali yomntu. Inkqubo yeSahluko 13 idinga ukuba umntu onetyala (yilokho esikubiza ngokuba ngumntu ofake i-case bankruptcy case) enze intlawulo yenyanga ngenyanga kwiSahluko 13 iTrasti kwiinyanga ezingama-36 ukuya kwezi-60. ITrasti ke isasaza loo mali kumbolekisi abanetyala abaye bafaka amabango afanelekileyo.
Ikhowudi ye-Bankruptcy ngumthetho wesigqeba olawula inkqubo yethu yenkundla yebhanki. I-Code ihlukaniswe yabahlu kunye namacandelo amaninzi. Ngenxa yoko sibhekisela kuhlobo ngalunye lwe-bankruptcy ngenani leSahluko seKhowudi yeBhanki ye-Bankruptcy.
| Isahluko 7 | Ukukhutshwa kwetyala ngokutshintshiselwa kwipropati engabikhoyo (engabalulekanga). |
| Isahluko 11 | Ukulungiswa kwakhona kwetyala, ngokuqhelekileyo kusebenze ngakumbi kumatyala aphakamileyo / abantu abaphezulu beempahla kunye nezoshishino |
| Isahluko 12 | Ukulungiswa kwakhona okugcinwe kubalimi beentsapho, iinkxalabo zokufama ezincinci, kunye nabalobi, obonisa izinto ezivela kwiSahluko 11 kunye neSahluko 13 |
| Isahluko 13 | Isicwangciso senyanga sokuhlawula ukulawula ityala esenza iminyaka emithathu ukuya kweyesihlanu kwaye ngokuqhelekileyo kuphumela ekukhutsheni. |
Kuzo zombini iSahluko 13 kunye neSahluko sesi-7 umboleki uphelisa ngokukhutshwa kwetyala- oko kukuthi, umboleki ukhululiwe kwibopheleleko zokuhlawula amatyala athile anjengamakhadi ekhredithi kunye neendleko zonyango. Ukwahlukana kwindlela umboleki afumana ngayo ukukhutshwa. Kwimeko yeSahluko 7, kufuneka ukuba aphendule nayiphina impahla .
Ukukhutshwa kwepropati ichazwa phantsi komthetho wesigqeba okanye urhulumente kwaye ngokuqhelekileyo ipropati ibonwa njengimfuneko kumntu onetyala ukuba aphumelele ukuqala ngokutsha emva kokuba i-bankruptcy iphelile. Kwimeko yeSahluko 7, umboleki uya kuguqula yonke impahla engabikho phantsi kwiprasti, oya kuyithengisa ngenzuzo yabatyala-mboleki. Kwimeko yeSahluko 13, endaweni yokuguqula impahla ye-trustee ukuba ithengise, umboleki uhlawula iinyanga ezi-36 ukuya kwezingama-60 kwiSahluko 13 somphathiswa ohambisa iimali kubathengi abafake izicelo zokuthi inkundla iyavuma.
Ngako-ke, kutheni umntu efaka ifayile yeSahluko 13 enokuhlala ixesha elide kwiminyaka emihlanu xa iimeko zeSahluko 7 zihlala zihlala malunga neenyanga ezintandathu (6)? Kukho inani lezinto eziya kwisigqibo. Makhe sihlole ezinye zeengqalelo ekunqumeni xa iSahluko 13 singcono kunesihloko seSahluko 7.
Igama malunga noVavanyo lweNdlela
Uvavanyo lweZingqinisiso zezibalo zibhekiselele kumntu wonke umthengi Icandelo le-7 lokuchithwa kwenkxaso-mali kwaye lucelwe ukuba libone ukuba umboleki unemali engenayo eyaneleyo yokuxhasa isicwangciso seSahluko 13. Ukuba kunjalo, umboleki kuthiwa uyifake isahluko sesi-7 phantsi kwe-" presumption of abuse ", oko kukuthi, imithetho yebhanki ingaba nelokuba inkokhelo yenza iintlawulo ngexesha elithile kwaye ibuyise ubuncinane inxalenye yetyala, kunokuba ufumane ukukhutshwa ngqo kwetyala.
Nangona kunokwenzeka ukunqoba "ukuxhatshazwa kokuxhaphazwa" ngokubonisa imeko ekhethekileyo, abaninzi abanetyala abanokuthi "bahluleke" Iimvavanyo zoMlinganiselo bakhetha ukufaka ifayile yeSahluko 13 kunokuba bahlupheke ngokubaluleka okufunekayo ukuze banqobe ukuxhomekeka.
Kukho izizathu ezininzi zokuba umntu onetyala unokukhetha ukufaka iSahluko 13 nangona uvavanyo lweMvavanyo.
Yintoni iSahluko 13 esinokwenza ukuba iSahluko 7 akunakwenza:
- Isahluko 13 sinokunika umntu onetyala ngenkonzo yokukhusela i-bankruptcy, nangona wenza imali eninzi ukuze afaneleke kwiSahluko sesi-7 okanye ukuba ufumane ukukhutshwa kwimeko yangaphambili yeSahluko 7.
- Isahluko 13 sivumela umboleki ubude besicwangciso ukuba abuyisele imali eyadlulayo ngenxa yemali ehlawulwayo ezindlwini, emotweni nakweminye imboleko enokubambisa.
- Isahluko 13 sivumela umboleki ukuba ahlawule ngenxa yentlawulo yengeniso kunye neembopheleleko zokuxhasa ekhaya ezifana nokuxhasa abantwana kunye ne-alimony kule minyaka emithathu ukuya kwemihlanu Isahluko 13 isicwangciso sokuhlawula.
- Isahluko 13 sinokuvumela umntu onetyala ukuba abeke imimiselo emitsha yokuhlawulwa kwemali-mboleko yemoto engaphezulu kweminyaka engama-2.5.
- Isahluko 13 sikhusela umninimzi-mvume-mboleko kumboleko wakhe ekufuneka ahlawule.
- Isahluko 13 sinokuvumela umntu onetyala ukuba aphathe kakuhle ukuhlawulwa kwemali mboleko.
- Isahluko 13 sivumela umboleki ukuba akhusele ipropathi enokuthi ayinikezele kwiimeko zeSahluko 7.
- Isahluko 13 sinokuvumela umntu onetyala ukuba akhokhe intlawulo yommeli wakhe webhanki njengenxalenye yeSahluko 13 inkokhelo yentlawulo endaweni yonke.
Ukuze ufunde ngokubanzi malunga neSahluko 13 sihamba phambili, tyelela: Xa Ucinga Ngokucelwa Ukufakwa KweSahluko 13 Esikhundleni seSahluko 7 .
Isahluko 13 asiyinkqubo elula. Kudinga ukuzinikela, ukunyamezela, ukuzinza nokunikela. Siya ngaphaya koku ngakumbi ngokuPhila neSahluko 13, Icandelo 1 kunye nokuPhila kunye neSahluko 13, Icandelo 2 .
Isahluko 13 Isicwangciso sokuhlawula
Isiqendu sesahluko se-13 yisicwangciso sayo sokuhlawula. Iintlawulo zigqithile ukusuka kwiinyanga ezingama-36 ukuya kwii-60 kwaye zingabandakanya isixa esiya kubabolekisi abangakhuselekanga, iirhafu ezidlulileyo, inkxaso yenkxaso yabantwana, kunye nexesha elidlulileyo lokuhlawula imali. Inokuthi iquke imirhumo yemoto okanye indlu kunye nenye inxalenye yemirhumo yommeli. Yenzelwe ukuba
Uncedo lokuhlawula amatyala angakhuselekanga njengemithetho yeebhilidi zezokwelapha kunye namakhadi e-credit card anokuhlawuleka kwaye alawulwayo.
Ukubonelela indlela yokuhlawula ixesha elidlulileyo ngenxa yendlu, imoto, irhafu yengeniso, inkxaso yezingane kunye neentlawulo ze-alimony ngokuhamba kwesikhathi.
Inxalenye yesidingo sokuthengisa okanye ukuguqula umhlaba ongenanto.
Imali yentlawulo ibonelelwe ngemali kunye neentlobo zeetyala ezihlawulwayo, ingeniso yemboleki kunye neendleko ezifanelekileyo nezifanelekileyo. Ukuze ufunde ngokubanzi malunga neentlawulo zeSahluko 13, tyelela njani iSahluko seSahluko sesi-13 sokuhlawula ?
Unokufumana nokubanzi malunga neziganeko ezibalulekileyo kwimeko yeSahluko 13 kwixesha lexesha eliqhelekileyo elithi "Icandelo" leSahluko 13 .
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