Kule nqaku sithetha malunga nokuhlala kusebenza, xa kungasebenzi kwaye xa kuphelelwa yisikhathi.
I-Automatic Stay iyenzayo xa i-Case ifakiwe.
Kwiimeko ezininzi , ukuhlala ngokuchasene nesenzo semali-mboleko kusebenza ngexesha nje umntu efakela ityala le-bankruptcy, kungakhathaliseki ukuba luhlobo luni.
Igama elithi "othomathikhi" libhekisela kwinto yokuba ukuhlala kudla akufuneki ukuba kwenziwe inkundla yenkundla. Enyanisweni, ngelixa liqhelekile ,
- ukuhlala akusebenzi kwizenzo ezithile ,
- inokulibaziseka okanye ingayisebenzisi nonke,
- ayihlali ngonaphakade, kwaye
- inokuphakanyiswa yinkantolo ngesizathu esihle.
Uyabona Ngaba Ungumcebisi? Musa ukwenza oku kwiNkundla yokuPhawula .
Ngaphandle kweMithetho: I-Serial Filings
Kunokwenzeka ukuba kunamacala angaphezu kweyodwa kulindeleke ngexesha leenyanga ezili-12. Ngamanye amaxesha, kusenokuba sisilumko esihle sokulandela ukukhutshwa kweSahluko 7 kunye neSahluko 13 sokukhusela indlu okanye imoto. Ngamanye amaxesha, umboleki akayi kukwazi ukugcina iintlawulo kwiimeko zeSahluko 13, makangacinywa ukuba ityala liye litshatyalaliswe kungekudala emva koko. Ezi zibizwa ngokuba yi-serial filings.
- Iziganeko ezimbini kwi-One Yea r: Ukuba unecala elilodwa lokubhankqalaza kulindeleke kunyaka owedlule, uze ufake ifowuni yesibini, ukuhlala kuya kuhlala kwiintsuku ezingamashumi amathathu kwimeko yesibini ngaphandle kokuba ucele inkundla ukuba iyandise.
- Amatyala amathathu Ngomnye Unyaka : Ukuba unamacala amabini e-bankrupt ekulindile kunyaka odlulileyo, ukuhlala akuyi kusebenza nantoni na xa ufaka ifowuni yesithathu. Ukulungisa loo nto, unokufaka ifowuni, ubeke indlebe, kwaye uzame ukukholisa ijaji ukuba kufaka iimeko ezilindelekileyo kwiimeko zakho, ukuba awuzami ukuthatha inzuzo kubathengi bakho okanye ukuxhaphaza inkqubo ye-bankruptcy, kwaye ufanelwe ukuhlala ngokuzenzekelayo.
Xa iComputer Stay Terminates
Ubude bokuhlala ngokuzenzekelayo kuxhomekeke ekubeni kusebenza kwimisebenzi yokuqokelela kumntu onetyala okanye kumhlaba wentyala.
- Ukuqokelela Umsebenzi ojoliswe kuMntu oMdaka
Ngokumalunga nomntu onetyala, ukuhlala ngokuzenzekelayo kudlulela ngokude kudluliselwe umboleki. Ngelo xesha, abathengi bangaqalisa kwakhona umsebenzi wokuqokelela kwiimali ezingakhange zikhutshwe . Amatyala akhutshwayo, omnye umyalelo uqala ukusebenza ubizwa ngokuba ngumyalelo wokukhutshwa komyalelo .
- Ukuqokelela Umsebenzi ojoliswe kwiNdawo
Kungenzeka ukuba umbolekisi enze inyathelo kwipropati yomntu onetyala nokuba ngaba ukuhlala ngokuzenzekelayo kusekhona ngokusebenzayo kumntu onetyala.
Nokuba ufake i-bankruptcy, umboleki-mboleko unelungelo lokuhlawulwa kwexabiso lebhanki okanye i-collateral ngokwayo. Xa ufaka icala lika-Isahluko 7 sokuchithwa, phakathi kwamanqaku amaninzi oyinikezelayo yiNkcazo yeSenzo esichazela inkundla kunye nababolekisi bakho ukuba uya kuzinikela okanye ukhulule umlondolozo okanye uqinisekise kwakhona ityala . Kufuneka ufake ifayile yeNtetho yeNgeniso zingakapheli iintsuku ezingama-30 ngokufakela ityala le-bankruptcy. Ukuba uyaphula ukufakela ingxelo kwixesha, u-othomathiki uhlala ngokuzenzekelayo uhlawula ngokuzenzekelayo ngomhla we-31.
Umboleki-mali ke ukhululekile ukuqhubeka nokuhlaziya okanye nayiphi na into eqokelekileyo yokuqokelela loo nto.
Ngaphandle koko, ukuhlala ngokuzenzekelayo kuya kuphelisa ngokuzenzekelayo iintsuku ezingama-30 ukuya kwi-45 emva komhlangano wabathengi ngokubhekiselele kumbambano (I-Coderupt Banking ayifani ngokucacileyo ukuba ixesha elichanekileyo lingama-30 okanye 45 iintsuku). Ngoko ke, ukuba unenjongo yokugcina loo propati, kufuneka ukhulule okanye uqinisekise kwakhona phambi kweentsuku ezingama-30.
Ukuba umboleki-mboleko okanye umqokeleli unentshiseko kwaye uyaqhubeka nemigudu yokuqokelela emva kokufowunelwa kwakho, unqamle ukuyeka kwaye ubuyiselwe nayiphi na umonakalo ohluphekileyo. Funda ngaphezulu kumaLungelo akho xa umCreditor uchitha i-Automatic Stay .
Ukuze ufunde okungakumbi malunga nabathengi abakwaziyo kwaye abanako ukwenza kwimeko yokutsalwa kwebhanki, bonani Ngaba Ungumgcini-mboleko? Musa ukwenza oku kwiNkundla yokuPhawula .