Umphathiswa we-bankruptcy udla ngokuba ngumntu obaluleke kakhulu kwi-case yakho ye-bankruptcy.
I-Trasti yimeko ye-bankruptcy yonyulwa liqela le-US Department of Justice elibizwa ngokuba yi-Ofisi yeTrasti yase-US. Umphathiswa owenzela i-bankruptcy unemisebenzi eyahlukeneyo eyahlukeneyo. Nangona uninzi lwabantu luvile nge-trustee ye-trust, abazange bakuve nge-trustee ye-bankruptcy. Amatrasti e-Bankruptcy ayabaluleka ekusebenzeni nasekunyanweni kwenkqubo ye-bankruptcy.
01 I-Ofisi ye-United States iTrasti
02 iPhaneli iTrasti
Iprogram yeTrasti yase-US igcina uluhlu lwabucala, ngokuqhelekileyo amagosa okanye abagcini-zimali abasebenza njengama-trustees kwi- Sahluko 7 . Xa kufakwa isahluko sesi-7, itrasti yomntu ongenakwenzekayo ikhethiweyo ikhethiweyo ukuqinisekisa ukulungelelanisa nokukhusela ababoleki ekukhetheni umphathiswa othandekayo. La matrasti ngamanye amaxesha abizwa ngokuba ngabaphathiswa bepaneli kwaye ngaba ngabantu ababizwa ngokuba yi "trustees bankruptcy".
Imisebenzi yeTrasti ye-03
Umphathiswa wepaneli okanye umphathiswa we-bankruptcy ulawula ngokutsha iSahluko 7 se-bankruptcy case. I-trustee liphonononga isikhalazo sebhanki kunye namaxwebhu afakwe ngumntu onetyala ngenjongo yokuchaneka kwaye athole ukukhwabanisa. Olunye umsebenzi obalulekileyo we-trustee ye-bankruptcy ukuqokelela nayiphi na impahla engekho-mali yomntu onetyala ukuhambisa kubathengi. Ingxenye yale mi sebenzi yenziwa kwiNtlanganiso yabaTyala, xa umboleki-ntlawulo kufuneka adibane kunye nomphathiswa kwaye uphendule imibuzo phantsi kwesifungo.
Ukuqokelela kunye nokuSasazwa kweeAfa
Nangona kwiimeko ezininzi zebhanki i-trustee ye-bankruptcy ayiyi kufumana i-asethi yokusabalalisa, ukuba ikhona impahla engekho-mali , i-trustee kufuneka iqokelele ezo zinto. Ixabiso liza kuthengiswa ngeli xabiso eliphezulu. Imali efunyenweyo ihlawulwa kubabolekisi kwindawo ethile ephambili njengoko kusekwe kwiKhowudi yeBhanki.
05 Ukuchithwa kobuGwenxa kunye noTshintsho oluPhezulu
Umphathiswa we-bankruptcy unakho ukufaka ifowuni kwi-bankruptcy, ebizwa ngokuba ngumtshutshisi oqhubekayo, ukufuna ukubuyiselwa kwemali okanye ipropati ngumntu onetyala. Olu tshintshelo lubizwa ngokuba yizitshintshelo zobuqhetseba, apho umboleki ehambisa imali okanye ipropati ukuyifihla kubathengi. Olu tshintshelo lubizwa ngokuba lukhetho xa umboleki ehlawula imali eninzi okanye ipropati kungekudala ngaphambi kokubhankqalaza kumthengi othile (ngokuqhelekileyo ungumhlobo okanye ilungu lentsapho). Ukuba ngaba yimpumelelo, umphathiswa we-bankruptcy unokubuyisela imali okanye impahla.
06 Imbuyekezo
Umphathiswa we-bankruptcy ukhokhelwa umrhumo omncinane kwimeko nganye abayithathayo. Nangona kunjalo, i-Code Bankruptcy inikeza i-trustee enye inkuthazo yokufumana ixabiso. I-trustee inikezelwa ikhomishini yepesenti kuyo nayiphi na impahla efunyenwe kumntu onetyala.
07 Isahluko 13 kunye neSahluko 11 iTrasti
Ngenxa yokuba iSahluko 7 sokungaphazamiseka kuxhaphake kakhulu kuneSahluko 11 no- 13 , i-trustees eminye iyadingeka kwiimeko zeSahluko 7. Ukongezelela, iSahluko 11 kunye nama-13 amatyala anokuba nzima kakhulu. Ngenxa yoko, izithili ezininzi zetyala zinomnye kumatrasti amaninzi asebenza njengeSahluko 11 okanye ama-13. La matrasti aqhelekileyo ngokubhekiselwe kuwo "njengama-trustees".
08 I-Trasti ithinte njani i-Case yakho yeBhanki?
Ukuba ayibonakali ukusuka apha ngasentla, umphathiswa we-bankruptcy unokubangela ukuba ikhokhelo lakho lokubhankanya lifake ngokukhawuleza kwaye ngaphandle kwesiganeko okanye kubangele ukuba imeko yakho idonse ixesha elide. Ikhosi yecala lakho lokubhubhisa lingekho ngaphandle kolawulo lwakho, kodwa kubalulekile ukusebenzisana ngokugcwele kunye nomphathiswa we-bankruptcy kuzo zonke iinkalo. Okubaluleke kakhulu, kufuneka unikeze zonke iinkcukacha abazicelayo.