Uzimisele ukwenzani ngepropati yakho?
Ukuba uyifaka i-bankruptcy, uyintoni na uzimisele ukuyenza kunye nepropathi eyenza ibe yintlawulo yamatyala akho? Nangona ityala linokuthi likhutshwe, isivumelwano sezokhuseleko asikho, kwaye umbolekisi unelungelo lokusebenzisa umgcini-mali ukuze anelise ubuncinane inxalenye yetyala.
Enye yeempendulo ezininzi omele uzalise xa ufaka i-bankruptcy yiFom ye-officially 108, ebizwa ngokuba yiNgxelo yeNjongo. Olu xwebhu luchazela umphathiswa we- bankruptcy, ijaji , kunye nababolekisi bakho oko uzimisele ukukwenza ngepropati ethile kunye nokuqeshiswa ezithile.
INkcazo yeNjongo ingathintela nendlela u- othomathiki uhlala usebenza ngayo.
Unokukhuphela uze uzalise ifomu yeSitatimende seNgcaciso apha.
Icandelo 1
Inxalenye yokuqala yeNkcazo yeNjongo icela ukuba "Bhala abathengi bakho abanezibango ezikhuselekileyo." Uyakhumbula ukuba oku kuthetha ukuba amatyala aqinisekileyo . Eli candelo alithethi naliphi na ityala elikhuselekile, kodwa amatyala aqinisekisiwe ngumhlaba welifa. Xa kufakwa i-case bankruptcy, yonke indawo yakho iya kuba yipropati yefa le-bankruptcy, elawulwa yi-trustee (ngaphandle kweyiphi na impahla oyixoxisayo ).
KwiCandelo 1, kufuneka uqale uluhlu igama lomthengi wetyala elikhuselekile. Ngokomzekelo, ukuba ityala eliqinisekisiwe liyimali yokubolekisa indlu, dwelisa igama lomboleki ngaphantsi kwegama elithi "Igama lomgcini." Emva koko, kufuneka unike inkcazo yepropathi egcina ityala phantsi kwecandelo "Inkcazo yeZakhiwo eziKhuselekileyo. Ngokomzekelo, ubhala phantsi idilesi yakho kwikhaya ukuba ityala elikhuselekile liyimboleko yasekhaya.
Emva kwezi ziqendu, kukho iibhokisi zokutshekisha ukuchaza into ofuna ukuyenza kunye nepropati.
- Ukubuyiselwa kwePropati - buyiselwe kumthengi ngokutshintshela ukukhutshwa kweembopheleleko zakho kwi-matyala.
Ukuba ukhetha ukugcina okanye "ukugcina" ipropati, kufuneka ukhethe ukuba uya ku "khulula" ipropati okanye "uqinisekisile" ityala okanye uphakamise esinye isenzo.
- Ukugcina iPropati nokuKhuphula - Ukuhlawulela ipropati kubandakanya ukuhlawula umboleki-xabiso lokuthengiswa kwepropati ngexesha lofakela ukutshatyalaliswa, nangona unetyala elingaphezulu kwipropati kunokuba lufanelekile. Ukwenza oku kufuna ukuba ufake isikhalazo enkundleni yebhanki.
- Gcina iPropati kwaye uyiqinisekise kwakhona - Unokukhangela ibhokisi "yokuqinisekisa" , oko kuthetha ukuba unqwenela ukuthatha ityala kwakhona. Oku kuthetha ukuba ityala liya kuphila kwi-bankruptcy.
- Gcina ipropati kwaye [chaza] - Uza kujonga le bhokisi ukuba ufuna ukuqhubela phambili ukuhlawula umbolekisi ngokulandela isivumelwano sakho sokuqala (nangona kukho ezinye iindlela). Ukuba ukhangele le bhokisi, kufuneka ubhale inkcazo emfutshane yento ofuna ukuyenza ngayo kwipropati, njengokuba uyilondoloze ngaphandle kokuqinisekisa kwaye uqhubeke nokuhlawula.
Iibhokisi ezimbini zokugqibela kwiCandelo 1 zifuna ukuba ubonise ukuba ingahlawulwanga impahla okanye ayikho into efunwayo .
Kufuneka uzalise zonke ezi zingentla ngenqaku ngalinye lepropathi elondolozwe yipropati yelifa. Khumbula ukuba le nto ihlala yindlu yokuboleka imali kunye nemboleko yemoto kubantu abaninzi (nangona ingaquka ezinye izinto).
Icandelo 2
Icandelo 2 leNkcazo yeSenzalo likubuza malunga nepropati yakho eyayiqeshwe phantsi kweqeshiso elingalindelekanga.
Oku kubhekiselele kwipropati yakho eyayiqeshwe kuyo kumboleki. Umzekelo, ukuba uqeshisa imoto, kuya kufuneka uxelele inkundla into ofuna ukuyenza ngokuqeshisa.
NjengaNxalenye 1, kufuneka ubhale phantsi igama lomncinane. Umncinci ngumntu oqeshisa ipropati (umzekelo, inkampani yemoto). Emva koko, kufuneka uchaze indawo yokuhlala. Oku kudla ngokuthe ngqo. Umzekelo, kwimoto eqeshisiwe, uchaza ukwenza kunye nomzekelo wesithuthi. Umbuzo wokugqibela ukugqiba kwiNgxenye yesi-2 kukuba "Ngaba kuqeshiswa ukuba kuqeshwe?" Ukuba ufuna ukugcina ipropathi kwaye uqhubeke uhlawula umncinane, kufuneka uhlole ibhokisi elithi "Ewe". Ukuba awusayikufuna ukugcina indawo, qhasela ibhokisi "Hayi".
Icandelo 3
Njengokuba kunjalo nezinye iifom zefayile, kufuneka usayine kwaye ushicilele iSitatimende seNjongo phantsi kwesigwebo se-perjury.
Ukuze ufunde okungakumbi malunga nento oku kuthetha ngayo, bona i- Perjury kwiNkundla yokuPhawula .
Ukuhlaziywa nguCarron Nicks, ngo-Oktobha 2016.