Ufakela ukufaka i-bankruptcy ngenxa yokuba unzima kunzima ukuhlawula zonke iimali zakho, kodwa ngelanga ukuba ukugcwalisa i-bankruptcy akukhululekile. Ukwenza njalo kufuna iirhafu zenkundla, iintlawulo zeengcebiso zeentengo zemali, kwaye, ngokuninzi, iifayili zenqwelo. Isixa saloo ntlawulo sixhomekeke kuhlobo lokutsalwa kwebhanki.
Isahluko 7 kunye neSahluko 13
Ifom ye-7 ifana neyona ndlela eqhelekileyo yokubhankanya abantu ngabanye isahluko 7, esicoca ngokucacileyo i-slate ihlambulule umboleki emva kokuba impahla ethile ihlawulwe kwaye imali eyabangelwayo ihanjiswa kubabolekisi.
Enye inketho eqhelekileyo yiSahluko 13 sokutshatyalaliswa kwemali, okuvumela umboleki ukuba agcine impahla ebalulekileyo ngokuvumelana nesicwangciso sokuhlawula. Umzekelo, ukuba umboleki ufuna ukugcina indlu yakhe, iSahluko 13 siza kumvumela ukuba ahlawule nge-trustee, kwaye umboleki uya kukhuselwa kuyo nayiphi na inxaxheba yomthetho abathengi abanokuyithatha.
Iindleko zokuFakela imali
Ukususela ngo-2018, iirhafu ezibekwe yiNkundla yase-United States ziyi-$ 335 ukufakela iSahluko 7 se-bankruptcy kunye ne-$ 310 ukufaka ifayile yeSahluko 13 . Ukuba ugqwetha okanye ukuchithwa kweenkonzo zokufaka isicelo sokufaka isicelo sokubhengeza inkokhelo yakho yebhanki kungasetyenziselwa ngaphantsi kweli, mhlawumbi i-scam.
Le yile ntlawulo yokubhaliweyo. Iimpawu ezithile kwimeko yakho inokufumana iimali ezongezelelweyo. Ngokomzekelo, kukho imirhumo eyongezelelweyo yokuguqula isahluko 13 kwimeko yeSahluko 7, ukuvula kwakhona ityala le-bankruptcy, okanye iintlawulo ezibuyiselwe imali enganeleyo. I-USCourts.gov igcina uluhlu lwazo zonke iimali ezihlawulwayo.
Iintlawulo zeeNkqubo kunye neZithuba zokuKwazisa
Imirhumo ngokuqhelekileyo ifanelekileyo xa ufaka isikhalazo sakho sebhanki, kodwa unokukwazi ukucela inkundla ukuba ikuvumele ukuba ukhokhe iirhafu kwizitolimenti okanye mhlawumbi uzilahlile. Ukuze ufanele ukuhlawulwa kwemali, akufanele ukwazi ukuhlawula iifizi, nakwii-installments, kunye nengeniso yakho kufuneka ibe ngaphantsi kweepesenti ezingama-150 zentlupheko.
ISebe lezeMpilo laseMelika kunye neNkonzo zoLuntu lipapasha amanqanaba omfestile omhlaba, ahluke ngokuxhomekeke kwinani labantu ngabanye.
Iindleko zeengcebiso zokuTyala
Ngaphambi kokuba ufake ifayile yokwenza i-bankruptcy, kufuneka uthathe iseshoni yokunika iingcebiso ngekhredithi. Ukongeza, kuya kufuneka uthathe ikhosi yolawulo lwezemali. Ezi zifundo zivame ukuza nomrhumo omncinci kumnikezeli. Iindleko zenkambo ziqheleke ngaphantsi kwama-$ 100. Iwebsite yeSebe lezoBulungisa base-United States linoluhlu lwearhente ezivunyiwe kwilizwe ngalinye. Ukutyelela iiwebhsayithi zabo ukufumana iindleko zezifundo zabo ezifunekayo kwi-bankruptcy.
Amatyala kaMatyala
Imirhumo yematyala iyahluka ngokuxhomekeka kummandla, ugqwetha, kunye nobunzima benkxaso yakho yokutsalwa. Kwimeko yeSahluko 7, iirhafu zakho zingabalwa ukusuka ngaphantsi kwama-$ 1,000 ukuya kuma-3 500. Icandelo lama-13 ngokuqhelekileyo libiza kakhulu kwaye mhlawumbi liya kubiza ubuncinane ubuninzi be-$ 2,500 kwaye lingaya kuma-6,000.
Ngaphandle kokuba ungobuchule kwimithetho yenkundla apho ufakela khona, i-US Bankruptcy Code, kunye neenkqubo zenkxaso, kufuneka ulindele ukuba ufuna igqwetha ukuba lifake icala lakho. Ukuba ufakela egameni lakho, yazi ukuba abagwebi nabanye abasebenzi benkundla bavumelekile ukuba banikeze ngeengcebiso zomthetho.
Ungavumeli ukuba iindleko ezinokwenzeka zokufakela i-bankruptcy zikwesabise kude nekhetho. Amagqwetha amaninzi anika ukubonisana kwamahhala okanye ahlaziyiweyo ukukunceda ukuba uqaphele ukuba ufuna ukufakela i-bankruptcy kwaye uqikelele iindleko ezipheleleyo zokufakela i-bankruptcy ukuba ufuna ukufaka ifayile. Hlangana nabameli abambalwa abanikezela ngokubonisana nantoni ukuze ubone ukuba zeziphi izinto ozikhethayo. Uyakwazi ukuhlawula ummeli wakho kwizitofu, kodwa qaphela ukuba amagqwetha angachitha ixesha elide kwimeko yakho njengoko uhlawule. Xa ukugcina kwakho kuphelile, kuya kufuneka wenze enye inkokhelo ukuze uqhubeke nomsebenzi kwimeko yakho.