Isigqibo sakho sokufayile sinokukwazi ukwenza ntoni na apho uhlala khona kwaye yintoni ipropati wena kunye nomlingane wakho onayo ukuba ngubani oboleka ityala. Kodwa ukugqiba inkqubela yakho yeyona ndlela kwaye ingaba ifayile ifayile engayifuni, kufuneka ukhangele ityala elipheleleyo kunye nomfanekiso we-asethi.
UMarko no-Ellen
Njengoko sijonge le miba, imigaqo ingaba lula ukuyiqonda ukuba sisebenzisa imizekelo. Cinga uMark noEllen, abahlala eTexas, urhulumente wengingqi yoluntu. Bobabini banekhadi lesikweletu kunye netyala lezonyango ngamagama abo. Bakha ikhadi lokuthenga ngetyala kunye neBhanki yokuqala. Badibanisa ikhaya labo kunye bobabini basayina imali. Ukongezelela, ngamnye wazithenga ngokukhethekileyo kwaye wabuxhasa ngemoto ngexesha lomtshato.
Ngubani ophethe ipropati?
Kukho rhoqo ukudideka xa isibini esitshatileyo sitshatile ukuba ngubani onepropati. Awuzenzeki ngokuzenzekelayo ungumnini-mnqamle wepropati yakho phambi kokuba utshatile. Ipropati iya kuhlala ipropati yakho ehlukeneyo, nokuba uhlala kwipropati yoluntu yoluntu. Inye indlela onokubelana ngayo ubunini bepropati lakho umlingane onomntu oyedwa uya kuba lakho iqabane ukuba linike lona okanye, ingakumbi kwiimeko zendawo yokuhlala, ukutshintshela ngokusemthethweni okanye ukunikezela yona.
IiNdawo zoLuntu zoLuntu kunye neMithetho yoLuntu oluQhe
Ingaba uhlala kwimeko yepropati yoluntu inokuchaphazela indlela u-bankruptcy oqhutyelwa ngayo. Ukuba wena kunye nomlingane wakho uhlala kwimeko yepropati yoluntu, ipropati yakho iyinkampani ehlukeneyo ebizwa ngokuba " uluntu ." Unokuba nepropati eyahlukeneyo owawuyifake emtshatweni okanye ukuba wanikwa okanye uzuze umtshato ngexesha lomtshato, kodwa ininzi impahla ifunyenwe ngexesha umtshato uthathwa njengepropati yoluntu.
Oku kuyichaphazela ukuba yeyiphi impahla eyingxenye yendawo yokuchitha imali, nokuba itrasti ingathatha ipropathi ukuhlawula abathengi, iza kuhlawulwa amatyala, kwaye ngubani ofumana inzuzo yokukhutshwa.
Uluhlu lwezinto eziqaphela ukuba impahla yoluntu imfutshane (okunye kuthiwa "umthetho oqhelekileyo" uthi):
- EArizona
- California
- Idaho
- Louisiana
- Nevada
- ENew Mexico
- ETexas
- EWashington
- Wisconsin
- Alaska
Ekubeni uMarko no-Ellen bahlala eTexas, urhulumente wepropati yoluntu, yonke impahla abayifumene ukususela xa betshadile inxalenye yoluntu. Oku kubandakanya ikhaya labo, iimoto zabo (nangona zodwa zihlawulwa ngemali-mboleko yemoto), nangeniso kwimali yabo.
Uluhlu loLuntu olubhekiselele njani kwiNkundla yokuThatyala?
Nangona u-Ellen engayifaki ifowuni, yonke indawo yendawo yokuhlala yoluntu equka umdla wakhe kuluntu uba yinxalenye yokuthengiswa kwemali. Ukuba uMarko no-Ellen bahlala kwimeko yomthetho oqhelekileyo, kuphela yipropati ayenayo kunye kunye nomdla wakhe kwipropati enezixhobo ezihlangeneyo yayiza kuba yinxalenye yefa. Ngenxa yokuba bangaphakathi kwipropati yommandla woluntu, ipropati yoluntu engahlawulwayo (ekhuselweyo kwi-bankruptcy) ingathathwa yiprasti kwaye ithengiswe ukuze izuze ababolekisi bamarko.
Ukuba u-Ellen ukhetha ukufakela i-bankruptcy kwakhona, kuxhomekeke kwimeko asemthethweni angasebenzisa isethi sakhe sokuxolelwa (oko kungaphumelela ngokuphindwe kabini inani lokuxolelwa koluntu).
Ngubani owesibatyala?
Kukho ukudideka phakathi kwezibini ezitshatileyo malunga nokuba ngubani ojongene nawaphi na amatyala emtshatweni. Ukutshata umntu akuthethi ukuba usuke uthathe ngokukhawuleza kwiimbopheleleko zemali zakho. Ityala lihlala lixanduva lomntu owenziwe okokuqala. Unomthwalo wecala othe wangena kuwe okanye ityala oyifakile ngokubambisana (nokuba ungatshatanga okanye ungatshatanga).
Ngoko ke, uMarko unembopheleleko kwikhadi lakhe lesikwereti kunye namatyala enkonzo, iBhanki yokuqala yebhanki yekredithi, mboleko yemali kunye nemboleko yakhe yemoto. U-Ellen unesibophelelo kumakhadi akhetyala kunye namatyala ezokwelapha, iKhanki yokuqala yebhanki yekhredithi, mboleko yemali kunye nemboleko yakhe yemoto.
Ngaba "Iingxowa Zomphakathi" Zikhona?
Nangona abanye abantu babhekisela kwiimali ezenziweyo ngexesha lomtshato njengamatyala omphakathi, akukho nto injalo. Umlingane ofaka ityala nguye omele uxanduva, kunye neendlela ezimbalwa eziqhelekileyo ezivela xa umntu ongeyena okhuphayo efumana inzuzo xa ityala lisetyenziselwa ukufumana iimfuno.
Ziziphi iindleko ezikhutshwayo kwiNkundla yokuChoxisa?
Ukuba iMafayile iifayile kuphela, ukukhutshwa kusebenza kuphela kwiimfanelo zakhe zamatyala ahlukeneyo kunye namatyala asekuhlaleni. Umthwalo wakhe u-Ellen awuchaphazeli. Ababolekisi bakhe bayakuqokelela kuye emva kokuba uMarko ahlasele.
Ukuze ufunde kabanzi malunga nokukhutshwa kwamatyala ekutshatyalaliseni, funda Ukukhupha iziTyala: Ukukhutshwa ngokubanzi kunye nokukhutshwa .
"Ukukhutshwa komphakathi"
Nangona u-Ellen engayifaki, unokufumana umlinganiselo othile wokukhusela "ukukhutshwa komphakathi." Emva kokuba uMarko athole ukukhutshwa, abathengi bakhe abanako ukufumana nantoni na inxaxheba malunga nepropati yoluntu ababenayo xa i-bankruptcy ifakwe okanye nayiphina impahla efunyenwe emva kokuba i-bankruptcy ifakwe.
Ngokomzekelo, xa uMarko efaka i-bankruptcy, uxanduva lwakhe kwiBhanki yokuqala lukhishwe kwikhadi lekhredithi, kodwa uEllen wayengenalo. Ibhanki yokuqala ifuna ukuqokelela e-Ellen. Ibhanki yokuqala ingafaka ityala ngokumelene naye, kodwa abayi kukwazi ukusebenzisa umgwebo ukuba baqokelele nayiphi na impahla eyayiyifumene emva kokuba ityala le-bankruptcy lifakwe, kuquka nomvuzo ka-Ellen.
Kuthiwani malunga nepropati yangaphandle yoluntu? Ukukhutshwa komphakathi akufumanekanga kwiindawo ezingenanto yoluntu. Ukuba uMarko no-Ellen babehlala kwenye yezo zizwe, umbolekisi odibeneyo uya kukwazi ukufikelela nokunyanzelisa ukuthengiswa kwepropati leyo nto leyo ibinikwayo ngokubambisana ngaphandle kokuba ilizwe libone uhlobo lobunikazi olubizwa ngokuthi "indawo yokuhlala."
Ukuxhaswa yiNkxaso
Ukuqeshiswa ngokubanzi luhlobo lobunini bomhlaba. Akubona bonke abayifumayo. Kwizinto ezenzayo, abanye basebenzise kuphela kwipropati yangempela, kanti abanye bayayifakela kwipropati yabo. Abanikazi kufuneka batshatile (okanye kwezinye iimeko, abalingani basekhaya abhalisiweyo) kwaye kufuneka bafumene ipropati ngexesha elifanayo. Le propati ikhutshwe kwimeko ye-bankruptcy (ukuba iqela lokufowunela likhetha ilizwe, kunokuba lisebenzise i-federal, ukukhululwa) kwaye ayikwazi ukufunyanwa ngumphathiswa we-bankruptcy ngaphandle kokuzalisa amatyala ahlangeneyo. Kuyafana okufanayo nabathengi. Ababolekisi abanako ukunyanzelisa ukuthengiswa kwepropati "ngokupheleleyo" ngaphandle kokuba amaqela atyala uxanduva lomthengi.
Umhlala-mthengi uhlale
U-Ellen uya kunandipha ulondolozo oluthile kumntu obolekisiweyo ngexesha uMarko usemngciphekweni. Xa uMarko efayile icala lakhe, ukhuselwe kumanyathelo okuqokelela imali kunye nokuhlala ngokuzenzekelayo . Nangona u-Ellen engabonakaliyo, uyakhuselwa yinto esiyibiza ngokuba yi-co-debtor, kodwa kuphela ezo matyala ahlanganyela noMarko. Ngokomzekelo wethu, uhlala-mali-mali-mali uya kugqitywa kwi-home mortgage kunye neKhanki yeBhanki yokuqala. Ngokona nxalenye, abo babolekisi abanako ukuthabatha nantoni na inxamnye no-Ellen okanye nxamnye nepropati ngexesha nje uMarko esebhankini. (Isiganeko seSahluko sesi-7 sisoloko sihlala malunga neenyanga ezine ukuya kweyesithandathu; Isiganeko seSahluko 13 sithathu sinikela iminyaka.) Ngokukhawuleza xa uMarko efumana ukukhutshwa kwakhe, umboleki-mali uya kuphakamisa, kwaye umboleki-mboleko kunye neBhanki yokuqala baya kukhululeka ukwenza ngokumelene no-Ellen ngokwabo, kodwa kungekhona ngokuchasene nepropati (jonga ukukhutshwa komphakathi, okuxoxwe ngasentla).