Ngaba Kukhona "Ukuchithwa Kwezonyango?"
Akukho nto enjengokuthi "i-bankruptcy". Nangona ubeka ityala le-bankruptcy ukuze ulahlekise ityala lezonyango elinqabileyo, awuyi kukwazi ukunciphisa ityala kwiimali ezigqityiweyo zonyango. Imithetho ye-bankruptcy yenzelwe ukuba ibe yinto enobulungisa kunokwenzeka kumntu onetyala (umntu ofake i-case bankruptcy case) kunye nababolekisi. Ityala lezonyango libhekwa njengento efanelekileyo njengetyala lekhadi lesikweletu, iimali-mboleko ezisebenzayo, iimali mboleko kunye nemali oyiboleke kubahlobo kunye nosapho. Ezi zonke zifana ngokwaneleyo ukuba ikhowudi ye-bankruptcy isebenza ngendlela efanayo. Ngoko ke, ukuba uyifaka i-case ukuze ufumane impumulo (into esiyibiza ngokuthi " ukukhutshwa ") ityala lezonyango, uya kuphelisa amanye amatyala angakhuseliyo nawo.
Enyanisweni, i-bankruptcy akuyiyo yonke into "khetha kwaye ukhethe" iphrojekthi. Xa ufaka ityala, kufuneka ukuba uluhlule zonke iimali zakho, ipropati yakho kunye ne-estate .
Kumele utyhile yonke inzala yakho yentsapho kunye neendleko zentsapho, nokuba ngaba lakho iqabane lingayi kufaka i-bankruptcy kunye nawe. Uya kunika ezinye iinkcukacha zobomi bakho bezezimali, njengemeko yakho yomtshato, iintlawulo zesikweletu sakutshanje, kunye nokutshintshwa kwepropati okanye ukuthengisa.
Iintlobo ze-Bankruptcy
Uninzi lwabantu lufake enye yeentlobo ezimbini ze-bankruptcy, Isahluko 7 okanye iSahluko 13.
Isahluko sesi-7 sichithwa ngqo. Inkqubo ihlala malunga neenyanga ezine ukuya ezintandathu. Ekugqibeleni, ukuba zonke ziyahamba kakuhle (kwaye zihlala zihlala njalo), uya kufumana ukuxolelwa (ukuxolelwa) kweetyala zakho.
Azikho zonke iitalato kwiimeko zokutshatyalaliswa zikhutshwa. Abanye, njengentlawulo yerhafu yamuva, ukuxhaswa kwabantwana bexesha elidlulileyo kunye ne-alimony azikhutshwanga kwaye baya kusinda kwimeko ye-bankruptcy. Abanye, njengemali-mboleko yomfundi inokukhutshwa phantsi kweemeko ezincinci.
Ngamatyala aqinisekileyo, njengemali mboleko yemoto kunye nemali-mboleko, ukuba ufuna ukugcina ipropati, kuya kufuneka uqhubeke uhlawula emva kokuba ityala le-bankruptcy liphelile.
Ngoko, kwenzekani kwipropati yakho kwimeko yeSahluko 7? Ungaxhalabi. Ngeke uhambe ngeenxa zonke kwiingxowa zezambane ezifana nolunye uhlobo lwekhathuni. Uvumelekile ukugcina ipropati yakho ukuba unokwenza isicelo sokumxolelwa . Wonke urhulumente unoluhlu lokukhululwa kunye neentlobo zepropati kunye nezindleko eziphezulu. Iimbalwa ezimbalwa zivumela ukuba usebenzise uluhlu lokukhululwa kwikhowudi ye-bankruptcy ngokwayo.
Ukuba unayo nayipropati ongenakuyixolela, kufuneka uyibuyisele kumphathiswa oqeshwe yinkantolo yebhanki ukulawula lakho ityala. I-trustee iya kuthengisa ipropati engenakudityaniswa kunye nokusabalalisa imali kubathengi bakho.
Ukuyeka ukukhutshwa kwepropati ngokwenene kunqabile kwaye kunokwenzeka kungaphantsi kwama-5 kweepesenti zeSahluko 7.
Ulungelo lweSahluko sesi-7: Uvakala okulungileyo, akunjalo? Unokufumana ukuxolelwa kwekhadi lakho lekhredithi kunye namanye amatyala kwimeko yeSahluko 7. Kodwa kukho umba omnye. Akuyena wonke umntu oza kufaneleka ukufaka ifayile yeSahluko 7. Ukufumana umvuzo wakho weentsapho kunye neendleko ziya kuthotyelwa kwinto ethiwa "ukuhlolwa kweendlela." Ukuba ingeniso yakho encinci iindleko zakho ezifanelekileyo neziyimfuneko zingaphantsi komvuzo ophakathi kwimeko yakho ufanelekile. Ukuba iphakamileyo, ukhetho lwakho oluqhelekileyo lufake ukufaka ifowuni yeSahluko 13.
Icandelo leSahluko 13 isicwangciso sokubuyisela esihlala kwiminyaka emithathu ukuya emihlanu. Ukuba oko kukuzwakala kungathandeki, kufuneka ukwazi ukuba kukho ezinye iinzuzo ezibonakalayo ekufakeni iSahluko 13 kwaye wenze iintlawulo zakho enkundleni.
Inani lakho lokuhlawula liya kusekelwe kwiimali onayo kunye nengeniso yakho ehlawulwayo. Oku kuthetha ukuba unakho ukuhlawula ngokuphindaphindiweyo amawaka eedola ngaphantsi kweentlawulo zakho kwaye ufumana ukukhutshwa kweyiphi na inkokhelo ekupheleni kwesicwangciso sakho.
Ngaba ndiza kulahlwa nguMgqirha wam ukuba Ndiyikhuphe Imali endiyifumana yona?
Abantu abaninzi banenkxalabo malunga noko kuza kwenzeka kulwalamano lwabo kunye noogqirha babo kunye nabanye ababoneleli ngezonyango ukuba bazalise ityala lezonyango. Unokucinga ukuba kuya kuba nzima ukutyelela ugqirha othembekileyo. Ngaphandle kweyonyango (unyango lwezonyango oluphuthumayo) ababoneleli bezonyango banokukunqanda emva kokuba amatyala abo ekhutshwe kwi-bankruptcy. Enyanisweni, uninzi aluyi kuthatha isenzo esinzima. Bayiqonda imfuno yokuchithwa kwe-bankruptcy kwaye kutheni ufuna ukufaka ityala. Abaninzi bayakuvuyela ukugcina wena njengesigulane nje ngokuba uzimisele ukuhlawula ityala oqhubekayo.
Kodwa, kukho abanye ababoneleli abangasayi kwenza ishishini nani. Ukuba oko kwenzeka, akunakwenzeka, kodwa unako ukufumana omnye umboneleli.
Unokuziva uzilungele ukuba uyazi ukuba akukho mithetho okanye umthetho oza kukuthintela ukuhlawula loo mithetho yezonyango emva kokuba icala lakho lokubhankanya liphelile kwaye ungcono ukukwazi ukuwufumana. Kuphelele ngokupheleleyo kuwe oya kuhlawula kunye nokuba ungakanani. Ukuba ufuna ukuhlawula uDkt Kildare, kodwa kungekhona ikhadi lakho lesikweletu. Lishishini lakho elo. Funda ngesofthiwe ye-bankruptcy .