Unokumisa okanye uVimbele ukuqokelela iRhafu ngeRhafu
Ngethamsanqa, kunokwenzeka ukukhusela i-levy ukuba ingenzeki (okanye umise omnye oqhubekayo).
Isiseko seMali yeRhafu
Amatyala erhafu aphakathi kwamatyala amanzima ukuphelisa.
Asoloko ehamba e-bankruptcy, kwaye abaphathi bamatyala banamandla amaninzi kunezinye iintlobo zabathengi.
Umzekelo omhle waloo mandla yerhafu yerhafu: i-IRS ithatha ipropati ukuba iyanelise amatyala akho yerhafu ngaphandle kokukuyisa enkundleni kwaye iphumelele isigwebo kuwe. Ibhanki okanye ikhamphani yekhadi lekhredithi, ngakolunye uhlangothi, kuya kufuneka ivelise umgwebo ngokumelene nawe kwaye igxume kwiihitshi ezininzi ukuqokelela.
Ukongezelela, i-IRS inokungena kwi-front line. Ukuba unetyala kubaxhasi abaninzi (njengemali ye-IRS, i-mortgage lenderer, kunye ne-agency agcino), i-IRS inamandla okuhlawulelwa phambi komnye umntu.
Yintoni eyenzekayo ngeRhafu yeRhafu?
Umrhumo unikeza i-IRS amandla okuthatha ipropati yakho. Oku kwenzeka ngeendlela ezininzi, kuquka:
- Imali yebhanki , apho imali ihoxiswa kwi-akhawunti yakho yasebhanki kwaye ithunyelwe kwi-IRS
- Ukuhlaziywa kwemivuzo , apho umqeshi wakho efunekayo ukuba athumele isahlulo sakho sokuhlawula kwi-IRS de ukuba ityala lakho linelisekile
- Ukukhutshwa kwepropati , apho i-IRS ithatha impahla eyakho (njengendlu okanye imoto), iyayithengisa, kwaye isebenzise ukuthengiswa kwetyala lakho
- Ukuthatha imali yokubuyisela irhafu, kubandakanywa ukubuyiselwa kwemali kunye noomasipala ngenxa yoko (urhulumente uzakuthumela imali kwi-IRS esikhundleni sakho)
Lezo zimbalwa nje zeempawu eziqhelekileyo, kodwa zikho ezinye iindlela zokuhlawula impahla yakho.
Levy vs. Lien
Njengenye enye yemali, i-IRS inokufaka ikhonkco kwipropati onayo . Ikhonkco iyahluke kwi-levy kuba ibhanki inika abakhweletayo amandla okuba bathathe kwaye bathengise impahla yakho. Ngomvuzo, iifayili zakho ziyakuthi zithathwe.
I-lien ikhusela ityala ngokunika umboleki imali kwi-asethi yakho (umzekelo, kunokubakho i-link ekhaya lakho). Ukwenza i-lien, iifayile ze-IRS kumaxwebhu oorhulumente basekhaya, ukwenza irekhodi kawonkewonke yomcimbi. Ikhonkco inokubangela iingxaki ukuba ufuna ukuthengisa okanye ukuhlaziya i-asethi ngenxa yokuba ityala lentlawulo liya kufuneka lihlawulwe okanye lilungiswe ngaphambi kokuba ulawulwe ngokukhululeka kunye nokucacileyo kwexabiso. Ababoleki abafuni ukungena kumgca emva kwe-IRS.
Ukufumana iRhafu yeNtela
Ukuba unetyala kwimali ye-IRS okanye nayiphi na enye igunya lokurhoxisa, umrhumo uhlala unokwenzeka. Nangona kunjalo, ngokuqhelekileyo kukho inketho-yokugqibela-ye-resort: phambi kokuba ipahla yakho ithatyathwe kufuneka ube neyilumkiso eninzi, kwaye ngokuqinisekileyo uza kufumana iindlela zokukhusela umrhumo.
I-IRS iya kuthumela iileta eziliqela ngaphambi kokusebenzisa i-levy, ngoko-ke qiniseka ukuba uvule i-imeyile yakho, gcina idilesi yakho ye-imeyile, kwaye uxhumane ne-IRS ukuba unengxaki zemali. Ukuba ufumana idokethi ebizwa ngeSaziso sokugqibela seNjongo yokuTyala kunye neSaziso soLungelo lokuLawula, umrhumo ungasondela, kwaye yinto efanelekileyo yokuqhagamshelana ne-IRS kunye nokucima izinto ngokukhawuleza.
Ungethuki: konke okuthethiweyo, ngamanye amaxesha iSaziso soMnqophiso sifika kwangaphambili - singase sifike ngeposi phambi komrhumo werhafu, umzekelo. Ngokuqinisekileyo into enokuyithatha ngokungathí sina, kodwa ngokukhawuleza ukuba uhlawula ngokukhawuleza (okanye usebenze ilungiselelo ne-IRS) kufuneka ukwazi ukuphepha iingxaki ezinkulu.
Ababolekisi ngokubanzi bakhetha iirhafu zebhanki zebhanki , kuba imali yindlela elula kakhulu yokujongana nayo (kwindlela yabo).
Ukukhupha iRhafu
Kucacile ukuba awuyi kuvuyela umrhumo werhafu. Ngoko unokwenza ntoni ukuze uhlawule umvuzo? Unelungelo lokubhena isenzo kwaye uthintele umrhumo wokuqhubela phambili. Ungakwazi nokucela ukuba impahla ehlawulwayo ibuyiselwe kuwe emva kwenyaniso. Ukugqiba isibheno, cela i-IRS isikhokelo kwaye ubone iPublication 1660 .
Iimali zikarhoxiswa xa ityala lakho lihlawulwa.
Nangona kunjalo, kwezinye iimeko, i-IRS iya kukhupha i-levy ngelixa unesidingo-ngakumbi xa isenzo sichaza ubunzima obungqongqo bemali.
U kuphepha iRhafu
Ukuhlawula ngokupheleleyo: ukuhlawula irhafu ngenxa, ngexesha, yindlela efanelekileyo yokuphepha iingxaki. Kodwa oko akunakwenzeka njalo. Xa unenkathazo yerhafu yakho, thetha ne-IRS uze ufumane oko ukhetho lwakho. Ukutyelela umcebisi wesikratshi ongenzi nzuzo kunye nommeli wendawo ukuba ufuna ulwazi oluninzi kunye neengcebiso.
Ukuhlawula ngexesha: awuyi kuhlawula rhoqo i-100% yerhafu yakho yentlawulo ngo-Ephreli. Ukuba uye wawela kumaxesha anzima, kunokwenzeka ukuba kusetyenziswe isicwangciso sokuhlawula esikuvumela ukuhlawula irhafu kwixesha elide. Ukuqulunqa esi sicwangciso nge-IRS kugcina ukuba bangacingi ukuba sele uzimisele ukungahlawuli.
Yenza isingeniso: ungaphinde uthethathe kwaye uzame ukulungisa amatyala akho erhafu nge-IRS. Ukunikezelwa kokungcolisa kukuvumela ukuba ubonise ukuba awukwazi ukuhlawulela oko ufunwayo, unikele ngemali yakho engenayo, izindleko kunye nezinto. Ukuba uphumelele, i-IRS iya kukuvumela ukuba uhlawule ngaphantsi kwe-bill yakho epheleleyo yentela.