Kwabaninzi abantu abafake iifayili, ukukhutshwa ngumgomo. Ukutshintshiselwa ukukhutshwa, inkqubo ye-bankruptcy idinga ukuba iSahluko 7 okanye iSahluko 13- mboleko - umntu ofake i-case-bankruptcy - alahle izinto ezingabalulekanga, eziza kubelwa kubabolekisi ukuwanelisa amatyala.
Khawucinge ngokufakela ukutshatyalaliswa, ukuyeka impahla kunye nokulahlekelwa ukukhutshwa kwakho. Ngaba unokucinga ngeemeko ezingabonakaliyo zezemali?
Kutheni Ufanele Ulahlwe Ukukhutshwa?
Amatyala e-Bankruptcy adinga ukunyaniseka kunye nentsebenziswano. Ukuba ungethekile ukunyaniseka kumaphepha akho okanye kwindlela osebenzelana ngayo nenkundla, okanye uhluleka ukusebenzisana nenkundla okanye umphathiswa wakho, ityala lakho linokugxothwa okanye unokwenyulwa ukukhutshwa, kodwa kusenokwenzeka ukuba uhlale ungabikho iimfuno. Nazi ezinye zezizathu ezenza ukuba ukukhutshwa kwakho kukhishwe:
- Ufihla impahla
- Utshabalalise iincwadi zakho zemali okanye iirekhodi
- Wenza iingxelo zobuxoki, ngomlomo okanye ngokubhaliweyo , malunga neempahla zakho, umvuzo kunye namatyala
- Uhlulekile ukuchaza okanye ukuphendula ngokulahlekelwa kwipropati okanye imali
- Uhlulekile ukugqiba isiluleko esilindelekileyo sekhredithi okanye ikhosi yokulawula imali
- Uphula umthetho wenkundla
- Ukwahluleka ukudalula ityala elingaphambi kwebhanki
- Ufumene ukukhutshwa kweSahluko 7 ekugqithisweni kwebhanki kwiminyaka eyi-8 idlulileyo okanye ukukhutshwa kweSahluko 13 kwiminyaka emithathu edlulileyo
Funda ngokubanzi ngendaba: Indlela yokuLahla ukukhutshwa kwakho kweNgxowa-mali
Isikhalazo
Isinyathelo sokuqala ekufuneni ukukhanyela ukukhutshwa komntu onetyala kukufaka isikhalazo . Oku kuqalisa isigwebo kwisithintelo sokubhankanya, esibizwa ngokuba ngumkhalazo wesitha.
Isibheno ngumqulu odla ngokufakwe ngumphathiswa we- bankruptcy okanye umboleki-mali ochaza ukuba kutheni umboleki akufanele athole ukukhutshwa. Njengoko ubona ngasentla, kukho izizathu ezininzi zokukhutshwa kokukhutshwa. Ukukhululeka okukhulu kunqatshelwe ngenxa yokuba umntu obolekayo wayexoxile kwisikhalazo sokubhankwa, ukufihla impahla esuka enkundleni, okanye ukutshabalalisa okanye ukuhluleka ukugcina iirekhodi zezimali ezifanelekileyo.
INkonzo yeSinghonghozo
Ngaphantsi kweKhowudi ye-Bankruptcy, ngokungafani namacala amaninzi, isikhalazo sokukhanyela ukukhutshwa kwakho singakhonza kuwe ngeposi kwidilesi kwisicelo sakho sokubhankanya . Oku kwahluke kwezinye izigwebo apho kufuneka ukhonjiswe ngabanye (njengamabhayisikobho apho iseva yenkqubo ithi "ukhonjwe!"). Emva kokuba ukhonze isikhalazo, unentsuku ezingama-30 ukufakela impendulo yakho.
Ukuphendula kwisikhalazo
Impendulo yakho kwisikhalazo iya kubakho kwiifom ezimbini, "impendulo" okanye "isimvo sokukhupha." Nangona kunjalo, ezi ntlobo zingahlanganiswa zibe ngumbhalo omnye. Impendulo iphendula impendulo engqinisiso kwisikhalazo kwaye kufuneka uvume okanye uyinqabe nganye. Isiphakamiso sokugxotha sisisenzo somthetho esinkimbinkimbi kwaye sicele ukuba inkundla ikhuphe isikhalazo kuba ilahlekile ngokomthetho ngendlela ethile.
Inkundla ezininzi zebhanki zigcina iimpendulo zezikhalazo zabathengi abangenawo amagosa. Ukuba awuphendulanga isikhalazo okanye ufaka uhlobo oluthile lwempendulo, okuza kususwa, oku kuthetha ukuba elinye iqela lizuza ngokuzenzekelayo.
Ukuya eNkundleni novavanyo
Nangona inkqubo iyahluka enkundleni enkundleni, ngokubanzi inkundla yebhanki iya kufuna ukuba uvele enkundleni ubuncinane kanye emva kokuvavanywa. Uza kuba nomzuzwana ukuthetha nomgwebi malunga necala. Ngokuqhelekileyo, oku kubonakala kuphela kuhambelana nokucwangciswa kweziganeko ezizayo, ezifana nokufumanisa kunye novavanyo. Ekulingeni, umntu ofake isikhalazo kufuneka aqinisekise ukuba kunokwenzeka ukuba akukho into yokuba uxoxile kwisicelo sakho sokubhankanya, okanye wenza esinye isenzo okanye ukungaphumeleli okumele kubangele ukukhanyela ukukhutshwa kwakho.
U kugweba
Ekupheleni kwetyala, ijaji yebhanki iya kulawula kwicala elinye okanye enye. Ukuba ijaji ye-bankruptcy iyakugweba, uya kufaka into ebizwa ngokuba ngumgwebo ophika ukukhutshwa kwakho. (Unokubhenela isigwebo xa unesizathu.)
Oko akuthethi ukuba ityala lakho liphelile. Ukuba unomhlaba ongenanto , i-trustee isenokuthatha loo propati kwaye ayisebenzise ukuhlawula abathengi bakho. Ngoko, ukulahlekelwa ukukhutshwa kwakho kuthetha ukuba awuyi kufumana inzuzo yokuba ufake ifowuni, kodwa uya kulahlekelwa yipropati yakho.
Ukuba inkundla ingena kwisigwebo esichasene nawe, usenokufuneka ukhathazeke malunga nokuba uya kutshutshiswa kwiintlawulo zobugebengu. Uninzi lwezono ezifanayo ezingakhokelela ekukhanyeleni ukukhutshwa yizopolitiko zedolophu . Ukuba ijaji ikholelwa ukuba kuqinisekiswe, uya kuthumela ityala lakho kwiSebe lezoBulungisa ukuze uphando.
Fumana ummeli!
Ukuba uthe wagwetshwa kwaye umgwebo ufuna ukukhanyela ukukhutshwa kwakho kwebhanki, kufuneka uqeshe igqwetha kwaye ukhawuleze! Oku akuthethi nayiphi na igqwetha. Kufuneka uqeshe i-subtype ekhethekileyo yegqwetha elijolise ekugwetshweni kwe-bankruptcy. Ukuba awuqeshanga igqwetha, uya kuba yingozi kakhulu.
Ukufumana ulwazi oluthe vetshe, funda Ukukhupha iziTyala: Ukukhutshwa koMngeni kunye noKhuseleko .
Ukuhlaziywa kweOktobha 2017 nguCarron Nicks
UMLAWULI WOMTHETHO
Eli nqaku lenzelwe iinjongo zolwazi kuphela kwaye kungekhona ngenjongo yokubonelela ngeengcebiso zomthetho. Kufanele uqhagamshelane nommeli wakho ukuba ufumane iingcebiso malunga nantoni na okanye ingxaki ethile. Ukusetyenziswa kunye nokufikelela kweli nqaku akuyi kudala ubudlelwane bommeli-client phakathi kombhali wale nqaku kunye nomsebenzisi okanye isiphequluli.