Kwabaninzi abantu abafake iSahluko 7 okanye icala leSahluko 13 se- bankruptcy, inkqubo ihamba kakuhle kwaye ichanekileyo. Nangona kunokuba kunzima ukuba ufake ifayile yokutshatyalaliswa, kuya kwenzeka ukuba uya kuvela enye! Ngelishwa, ngamanye amaxesha umthengi uya kuthatha isigqibo sokuba kufuneka afune umboleki (umntu ofake iifayili) kwinkundla yebhanki.
Ngamanye amaxesha umboleki-mali ufaka isigwebo kwinye inkundla kuba akayiqondi indlela ukusetyenziswa kwebhanki. Ngamanye amaxesha umboleki-mali uyazi kakuhle indlela owenza ngayo i-bankruptcy kwaye ucela inkundla ukuba ibhengeze ityala elingenayo. Oku kudla ukucela inkundla ukuba ivakalise ukuba ityala lendleko-mali alikhiphulwa yimeko.
Xa usolwa ngo-bankruptcy, lo mcimbi ubizwa ngokuba "ngumchasi oqhubekayo." Njengoko kuzwakala, ukuqhubela phambili kuyintsikwano, njengazo naziphi na izigwebo. Kuya kuba nommangali kunye nommangalelwa. Nangona uninzi lwexesha wena njengomboleki uya kuba ngummangalelwa, akusoloko kunjalo. Abanamatyala amaninzi baya kufaka inkundla yokuchasa inkundla ukuba bacele inkundla ukuba ibhengeze ityala elikhutshwayo. Ngokomzekelo, unokucela inkundla ukuba ikhuphe umboleko wakho womfundi.
Xa Ukhutshwe Ngaphandle kweNkundla yokuPhukisa
Uninzi lwabantu abafake i-bankruptcy sele benalo negqwetha. Ukuba awunayo igqwetha, umzekelo, ukuba ufaka i-case case bankrupt se se , kweli nqaku uya kuyimfuneko.
Kukunzima ukukhusela umyalelo wokutshatyalaliswa kwintendelezo yebhanki. Amathuba kukuba, xa uhlawuliswa kwenye inkundla, njengenkundla yombuso, ngelixa u-bankruptcy
- umboleki-mali wakho uyazi ukuba u-bankruptcy
- Umboleki wakho akayiqondi ukuba uhlala ngokuzenzekelayo
Ukuhlala ngokuzenzekelayo kwenzelwe ukukhusela ababolekisi ukuba bathathe amanyathelo okuqokelela ngaphandle kwenkundla yebhanki.
Uninzi lwangaphandle kwamacala aluvunyelwe ngaphandle kokuba lufakwe ngemvume ngemvume yenkundla. Ukuba umboleki-mali engazi ukuba u-bankruptcy, ngokuqhelekileyo uthatha umnxeba okanye isaziso kummeli ohambisa enye imeko kwaye uqinisekise ukuba umbolekisi uhlonyelwe kwimeko yecala. Umboleki makabeke elinye icala.
Eminye imiba ayifanelekanga kwinkundla ye-bankruptcy, njengenkqubo yokuqhawula umtshato. Amaninzi amaninzi, ugqwetha lomnye umntu uza kuza kuqala enkundleni ye-bankruptcy ukuze afumane imvume yokufaka ifowuni yenkundla yelizwe. Ngesinye isihlandlo, umboleki-mali uya kufaka inkundla kwintyala yelizwe. Ukuba i-suit ifuna nje isigwebo semali, inkundla ye-bankruptcy iyakumvalela. Ukuba i-suit izama ukulungisa uxanduva ekugqibeleni ekukhokelela ekufumaneni ukuba ityala alikhiphi , inkundla inokugqiba isigqibo sokushiya i-suit apho ikhona khona, iyifake kwi-inkundla ye-bankruptcy, okanye uyixoshe kwaye uyibuyisele kwi-bankruptcy inkundla. Ngokomzekelo, oku kwenzeka ntoni xa umboleki etyholwa ngobuqhetseba. Ukukhwabanisa kunokunikela ngetyala elingenasiswanga, kodwa umboleki kufuneka atholakale enze ubuqhetseba kuqala. Oku kungenziwa enkundleni yombuso okanye kwinkundla ye-bankruptcy.
Xa Uxhatshazelwa kwiNkundla yokuBhankanya
Amathuba kukuba, ukuba unetyala enkundleni yebhanki, inxulumene nobume betyala nokuba ingahlawulwa .
Isikhalazo. Ukuba uhlawuliswa kwinkundla yebhanki, kuya kufuneka ukhonjiswe kunye nomqulu othiwa "isikhalazo." Isikhalazo nje sixwebhu esibhaliweyo esichazela ukuba kutheni umntu onecala ukuba unelungelo lokufumana inkululeko evela kwinkundla ye-bankruptcy. Ngaphantsi kwemiGaqo kaRhulumente yeNkqubo yoBhulozo, ungakhonzwa nesikhalazo ngokuthi uthumele idilesi kwisikhalazo sakho sokubhankwa (ngokuqinisekileyo ufunde i-imeyile yakho). Kuya kufuneka uhanjiswe kunye nama-samani kwaye ngamanye amaxwebhu amanye amaxwebhu . I-samani ibonisa ukuba kungekudala kufuneka uphendule kwisikhalazo nokuba ngaba kufuneka wenze nayiphi na inkundla.
Kutheni Wayevalelwa?
Kukho izizathu ezininzi enokuthi uthweswe icala kwinkundla yebhanki. Ngamanye amaxesha umgwebo unokuba nzima kakhulu: ngamanye amaxesha unokuthi ulungele ngqo. Ezinye zezona zigwebo ziqhelekileyo xa ababolekisi bakho bekugxeka phantsi kwemimiselo yomgaqo-federal 11 I-USC icandelo 523 ne-11 USC icandelo 727. Ngokwimimiselo efanayo, la macandelo abizwa ngokuba ngumthetho wokukhutshwa komthetho kunye nokukhanyela ukugwetywa komthetho . Ngokwenene, inkundla yokuqala icela inkundla yebhanki ukukhusela ityala onokukweleta kumntu-mboleko othile ukuba akhululwe kwi-bankruptcy. Esinye isigwebo sizama ukukukhusela ukuba ufumane ukukhutshwa kwebhanki (oku kubi kakhulu!). Unokuthi ulandelwe ngumphathiswa we-bankruptcy ngezizathu ezahlukahlukeneyo, ezifana nokuthunyelwa kobuqhetseba.
Kwenziwe ntoni?
Into yokuqala akufanele uyenze ukuyenza. Khumbula ukuba nabani na onokumangalela nabani na ukuba bahlawule umrhumo wokubhalwa komabhalana. Kungenxa yokuba utyunjwa akuthethi ukuba wenze into ephosakeleyo. Nangona kunjalo, kufuneka uhambisane nenkqubo yenkundla. Oku kuquka ukuphendula kwisikhalazo. Ngokuqhelekileyo kukho iindlela ezimbini zokuphendula kwisikhalazo: ukufaka iMpendulo okanye ukufakela iSigqibo sokuCima. Uninzi lwabantu abangenawo amagqwetha baya kufuna ukuphendula iMpendulo, njengoko uMtshutshiso wokuCima ungaba nzima kwaye ufuna ukuqonda umthetho. Inkundla ezininzi zebhanki ziza kuba neefom zabaxhasi abazimelayo (ngokuqhelekileyo kuthiwa " abaxhamli ") ukuphendula izikhalazo. Ezi fom ngokuqhelekileyo ziza kubheka isitayela sebhokisi kwaye zivumele ukuba zikhanye ngokubanzi zonke izityholo zesibheno. Nangona kunjalo, ndincoma ngokukhawuleza ukuba usabona ugqwetha.
Yintoni elandelayo?
Ngokuqhelekileyo emva kokufakela iMpendulo yakho, isinyathelo esilandelayo siya kuvela enkundleni yenkomfa yendawo. Ezi nkomfa zihlala zifutshane ngokukhawuleza kwaye zibandakanya ijaji ukuqonda ngokubanzi imeko. Ijaji inokubeka kwakhona ixesha elithile lexesha elizayo lokuva. Ukuba awunayo igqwetha kule nqanaba, kufuneka uqikelele ukufumana enye.
Ulungiswe ngoOktobha 2017 nguCarron Nicks