Okanye, kwenzekani kwihembe lami xa ndilahlekelwa (ngokoqobo)?
Imizekelo yeeAskrit Assets?
Ezi ziyi-asethi ezingena phantsi nawuphi na uhlobo lokukhululwa. Bayi, ubuncinane, ukuba babuyiselwe kwiSahluko 7 iTrasti yokucwiliswa - iguqulelwe ibe yimali eya kubelwa kubabolekisi.
Enyanisweni, nangona kunjalo, akuzona zonke iimpahla ezingabikho nto ezixhamlayo kwi-trustee. Ezinye zezo mpahla zinzima kakhulu ukuzithengisa, okanye zibiza kakhulu ukuba zigcine zide zithengise, okanye nje azifanelekanga.
Ixabiso lexabiso libiza kakhulu ukugcina.
Thatha umzekelo, iqoqo leBhete leencwadi ezingabonakaliyo zoMkhosi weMfazwe. Ucinga ukuba ufanele u-$ 20,000, kodwa ubiza i-$ 5,000 ngenyanga yakhe ukuyigcina kwindawo ekhuselekile yokulawula imimoya. Ewe, umphathiswa angenza i-$ 15,000 ngeentengiso, ukuba wenza ngokukhawuleza, kodwa akunakwenzeka. Ukuthengiswa kwetyala kufuneka livunywe yinkantolo yebhanki emva kokuba onke amaqela abe nethuba lokuchasa okanye ukuza kunye nesicwangciso esithile (zonke egameni lokufumana i-dollar ephezulu.) Ngoko, umphathiswa ukhangele inkqubo ezingathatha iinyanga ezimbini okanye ezintathu ukufeza.
Okwangoku, iindleko zokugcina i-asethi zilawulwa yi-property estate bankruptcy.
I-asethi iya kuthatha ixesha elide ukuthengisa.
UMarnie ubuyisela kwakhona iinqwelo zeegolane zee-greyiti ukuya kwimeko eqhelekileyo aze azithengise eBay. Ngokuqhelekileyo wenza inzuzo enhle, kodwa bathatha iinyanga ezintandathu okanye ngaphezulu ukufumana umthengi. Unesine esandleni sakhe xa efaka iSahluko 7.
Umphathiswa akazimisele ukulinda iinyanga ezintandathu ukuze abathengi babonise, ngakumbi becinga ukuba unokuthengisa iimoto zegalufu ngenani elihlaziyiweyo.
I-asethi iya kuba nzima ukuyithengisa.
Mhlawumbi i-asethi iyimfihlo kumntu onetyala. Cinga ngoJoe. UJoe wenza yonke imali yakhe kubhala ngokuzimeleyo kwaye ufumana ubuninzi bezoshishino lakhe kwiwebsite ethi www.joethefreelancewriter.com. (Ewe, iwebhsayithi iyimpahla yoshishino kwaye kufuneka ibhalwe njengento yendawo yeJoe). I-website ifakwe kwindawo ephezulu kwimiphumo ye-injini yokusesha kwaye ifumana ishishini elininzi leJoe. Inenani elikhulu kwiJoe. Ngaba kuya kuba nexabiso elikhulu kumphathiswa ozama ukuzithengisa, ngakumbi xa ucinga ukuba ishishini ngokwayo lifuna iinkonzo zikaJoe ukwenza izinto zenzeke?
Ixabiso le-asethi lincinci kakhulu.
UDon akanalo nayiphi impahla yezinto eziqhelekileyo, kodwa ubuye ubuyisele iCorvette yakhe ekhulile, okwangoku kwiibhloko. Ucinga ukuba ixabisa malunga ne-$ 2,000. Nangona ayinakuxolelwa, itrasti ayinakuyichukumisa. Ngoba? Ngenxa yokuba ayiyi kuvelisa imali eyaneleyo. Enyanisweni, i-akhawunti yasebhanki ye-$ 2,000 ayinakukutsala umdla omkhulu kwi-trustee. I-trustee ihlawulwa ikhomishini esekelwe kwinto edlulayo kwi-estate estate ye-bankruptcy.
Ngokomzekelo, kwi $ 5,000 yokuqala, wenza kuphela i-25%. Ukuba uthengise i-Corvette nge-$ 2,000 wayenokwenza i-$ 500, kodwa iindleko zokuthengisa, masithi i-$ 200, eza kuphuma kwi-R500 zamaRandi. Okushiya i-$ 1,300 yabathengi. Emva koko, kufuneka afune ukufaka izicelo ezivela kubathengi, kwaye mhlawumbi ucelomngeni amanye ala mabango ukuba wawafumana ehlulekayo. Zonke i $ 500. Kwamava am, i-trustee yayiza kuba nokufikelela kwipahla ehlahliweyo malunga ne-5,000 zamawaka ngaphambi kokuba ahlukane nabo.
Khangela imisebenzi yomphathiswa we- Who is a Trustee Bankruptcy?
Ngoko Kwenzeka ntoni Kuzo Zonke Iipropati?
I-trustee ifayili isaziso kunye nenkundla ye-bankruptcy enenjongo yokuyiyeka-ithetha ukuba iphinda libuyela kumntu onetyala.
Kodwa kwenzekani ukuba i-trustee ifuna ukuhlawula i-asethi umboleki, ngokwenene ufuna ukuyigcina?
Ngokulula, unokuyithenga kwi-trustee. Khangela eli nqaku: Ndifuna ukufaka i-Bankruptcy kodwa Andikwazi ukuyilahlekisa. . .
Ngoko ke, wonke umntu ucinga ukuba baya kulahlekelwa yimikhati zabo xa befake i-bankruptcy. Kodwa, hayi. Amathuba awuyi kulahlekelwa yikhati yakho-ngokuchanekileyo. Ngaphantsi kweso sikhokelo sokukhululwa, i-state okanye federal, iingubo zihlawulelwa. Ngaphandle koko, uthetha ngeengubo zoboya kunye nedayimane ehlanganiswe phantsi kwe-Victoria Secret.
Unokufunda okungaphezulu malunga nabaphathiswa kunye nokuba bangakanani imali abayifakayo ngokuvakashela iwebhusayithi kwi-National Association of Bankruptcy Trustees.