Ngokomzekelo, iirhafu ezithile zerhafu ziyakhutshwa kuphela ukuba ubuncinane ubuneminyaka emithathu ubudala .
Ukubala ukuba le minyaka emithathu yonyaka ingaba ngumngeni, kodwa ukufakela kwangoko kusenokuba yingozi xa unamathele kwiirhafu ezinokucwangciswa okufutshane (kunye nomonde) onokukhishwa kwimeko yokutshatyalaliswa.
Kukho izizathu ezifanelekileyo zokufakela ngokukhawuleza, nangona kufuneka ufumane inzuzo yokukhupha amatyala athile , njengentlawulo. Nantsi ingqungquthela yeminye imiba oya kujongana nayo xa uqwalasela ukuba ungayifaka ngoku okanye ifayile emva koko.
Ukuhlala kwi-Bankruptcy ngokuzenzekelayo kunokuthintela ukuhlaziywa, ukuchithwa, ukulungiswa, umrhumo werhafu, ukukhutshwa okanye isigwebo.
Ewe, uyibonile le mabango kuma-arhwebo amaninzi. Abameli beBafischercy bathanda ukuthengisa ngokusekelwe ekukhankeni kwamabhanki ukuba bayeke ukwenza izinto ezithile zemali-mboleko ukuba zenzeke. Oku kuthiwa ukuhlala ngokuzenzekelayo . Yisiluleko esenzelwe ukukhusela ababolekisi bakho ukuba bathathe inyathelo ukuqokelela amatyala abo ngaphandle kwecala lokubanjelwa.
Ukuba uyazi ukuba umboleki-mboleko ucingisisa ukuhlaziywa, ukulungiswa, ukuhlawulwa, ukuxoshwa, okanye isigwebo, ukufaka ifowuni yebhanki ngoku kungayinqanda inyathelo okanye ubuncinane ukuyiphinde.
Ngokomzekelo, xa umboleki-mali ekwaziswa ngecala lokubhinqa, umbolekisi akavumelekile ukuba aphinde abuyele impahla yakhe njengemoto, ukucacisa kwipropati yangempela, ukuqhuba umrhumo werhafu okanye ukufaka okanye ukuqhubeka nokugwetywa kwamacala amaninzi. Ukuhlala ngokuzenzekelayo kuya kumisa ukulungiswa kwemvuzo okanye i-akhawunti yasebhanki , kodwa ayiyi kusebenza ngokuphindaphindiweyo ukufumana umvuzo okanye imali yebhanki eya kugqithiselwa kumbolekisi ngaphambi kokuba kufakwe i-bankruptcy.
Ukuhlala ngokuzenzekelayo kunokuthintela ukukhutshwa okanye ukuvalwa kwezinto ezisetyenziswayo . Kukho izithintelo, nangona kunjalo.
- Ukuba umnini-mhlaba usufumene umyalelo wokufumana inkundla, u-bankruptcy akanakukuthintela umninikhaya ukuba aqhubeke nenkqubo yokukhutshwa.
- Inkampani yokubonelela ayiyi kuvunyelwa ukuba inqunywe inkonzo, kwaye inokufuneka ibuyise inkonzo xa i-bankruptcy ifakwe, kodwa kufuneka usebenze ngokukhawuleza ukuxoxisana nelungiselelo kunye nenkonzo, edla ngokubandakanya ukubonelela idiphozithi ephakamileyo ukuze ihlanganise ingozi.
2. Utshintshise kutshintshile kwilizwe ngokungenasiphelo.
Kwimeko ye-bankruptcy, uvumelekile ukugcina iintlobo ezithile zepropati nje kuphela ukuba ipropati ayidluli kwixabiso elithile lamadola. Ezi zibizwa ngokuthi ukukhululwa okanye ukukhutshwa kwempahla . Umthetho we-bankruptcy uvumela amazwe ukuba anqume ukuba luhlobo luni lwepropati kunye nenani lepropati abahlali babo abanokubhenela ukuxolelwa kwimeko.
Amanye amazwe anesisa kunabanye . Ngokomzekelo, urhulumente waseTexas uvumela inani elingenamkhawulo lokuxabisa kwipropati yendlu yokuhlala engadluli kwiidolophu ezili-10 okanye kwii-asere ezingama-200. Ukwahlukana okunye kunye neAlabama, okuvumela kuphela ukukhululwa okungapheliyo kwe-$ 15,000 ngokulingana kwindlu yokuhlala, isixa esinokuphindwa kabini xa bobabini bomtshato befayili kunye kunye.
Kuze kube malunga neminyaka elishumi edlulileyo, ukuba unokufuduka ukusuka e-Alabama ukuya eTexas, unokuyisebenzisa inkululeko yokukhulula i-Texas ukukhusela impahla yakho yase-Alabama. Inkomfa yatshintsha umthetho we-bankruptcy ukwenza kube nzima ngakumbi. Ukuba uhamba kummandla omtsha, umthetho we-bankruptcy ubuya kufuna ukuba usebenzise ukuxolelwa kwe-Alabama kwiintsuku zokuqala ezingu-720 u-Texas. Kukho ezinye izithintelo ezinokuthi zichaphazeleka kwimeko yakho. Ummeli ofanelekileyo we-bankruptcy angakunceda ukuba ufumane inkcazo efanelekileyo kunye nexesha elichanekileyo kwimeko yakho.
3. Uqale ukubuyela emsebenzini emva kokungasebenzi okanye uqale umsebenzi ophezulu ohlawulayo.
Ukuze ufanelekele ukuchithwa kweSahluko 7, kufuneka ubonise ukuba ingeniso yakho ngaphezu kweenyanga ezintandathu ezedlulileyo ayidluli inani elithile. Le mali ibalwa ngeTeans Test .
Ithatha ingqwalasela yengeniso yakho yomyinge, umvuzo wakho kwiinyanga ezintandathu ezidlulileyo kunye neendleko zakho ezininzi, njengemali yokuboleka imali, ukuhlawula imoto, iinkonzo kunye nezinye izindleko zendlu, iindleko zonyango, i-inshorensi, ukutya, iimpahla, njl njl.
Ukuba awusebenzi, xa ulinde ukufakela i-bankruptcy emva kokuba ufumene umsebenzi, umvuzo wakho wenyanga ophezulu uya kuba. Isilinganiso semali engeniso yenyanga ingakhula kakhulu ukuba ikuvumele ukuba ufake ifayile yeSahluko 7.
Kuyafana ukuba ufumana ukuphakanyiswa okanye umsebenzi ophezulu wokuhlawula. Ngenyanga nganye, ingeniso yakho yenyanga yenyanga yeenyanga ezintandathu iya kuphakama ngaphezu kwenyanga.
4. Ulindele ukufumana indawo ngokukhawuleza.
Uya kufumana ibhonasi yokuphela konyaka? Ngaba ulindele ukufumana ilifa xa uMninimkhulu wakho uTilly udlula? Ukuba ulindele ukufumana ipropati ngokukhawuleza, kungcono ukufaka ifowuni ye-bankruptcy ngaphambi kokuyifumana. Emva kokuba uyifumene, okanye nokuba ube nelungelo kuyo, ipropati kufuneka ibhalwe kwiphepha lakho lokuphepha. Ukuze uyigcine, kufuneka usebenzise isicelo sokuxolelwa . Ngaphandle koko, umphathiswa angayithatha, ayithengise, kwaye asebenzise le ntlawulo ukuhlawula amatyala akho.
Ukuhlaziywa ngo-Apreli 2018 nguCarron Nicks.