Uza kuzalisa i-SOFA xa ufaka iSahluko 7 , Isahluko 11 , okanye i- Chapter 13 . Nangona ifom ekhangeleka ngokulula kunye ne "hlola ibhokisi" ifomathi kunye nemibuzo ebonakalayo ecacileyo, kufuneka igqitywe ngononophelo ukuqinisekisa ukuba uyidibanise ulwazi olufunayo ngokuchanekileyo nangokuchanekileyo. Ngaphantsi kuluhlu lwezinto oza kuzibona kwifom. Imimiselo ethile ibhekisela kwifom okanye kule ncwadana yemfundo enikezelwa yiNkundla ze-US.
Nceda uqaphele ukuba utshintsho kwiifom ze-bankruptcy zaqala ukusebenza ngoDisemba 2015. Ngoku kukho iinguqulelo ezimbini ze-SOFA, enye yabantu kunye nomnye wabangewona abantu (iinkampani).
Ifom B B 107: Ingxelo Yemicimbi yezeMali yeBantu abathile abaFakela i-Bankruptcy
Ifomu B 207: Ingxelo yeMicimbi Yakho yezeMali (engekho umntu)
Ekubeni amaxesha amaninzi afakwe ngokubambisana ngabafazi, ininzi yale mibuzo ineemeko zomlingane ngamnye ukuphendula ngokwahlukileyo.
Xa ugcwalise ifom, uya kucelwa ukuba usayine ifomu phantsi kwesihlwayo se-perjury . Ngoko ke, ukuba uthetha amanga, ukhohlise ngenjongo okanye ukhohlakele okanye ungakhathazeki kwiimpendulo zakho, unokutshutshiswa, ufumane isigwebo sejele okanye unzima kakhulu.
Icandelo 1: Isimo somtshato kunye nalapho uhlala khona ngaphambili
Umbuzo 1 : Isimo somtshato sangoku
Umbuzo wesi-2 : Ngexesha eli-3 edlulileyo, ngaba uhlala phi na ngaphandle kwenye indawo ohlala kuyo ngoku?
Umbuzo wesi-3 : Kwiminyaka eyisi-8 edlulileyo, ngaba wahlala kunye nomlingane okanye umlingani osemthethweni kwipropati yomhlaba okanye kwimihlaba?
Icandelo 2: Chaza iMithombo Yentlawulo Yakho
Umbuzo wesi-4 : Ngaba unayo nayiphi na ingeniso evela kwingqesho okanye ekusebenziseni ishishini kule nyaka okanye kwiminyaka emibili yangaphambili yekhalenda?
Umbuzo wesi-5 : Ngaba ufumene nayiphi na enye ingeniso kulo nyaka okanye kwiminyaka emibili yangaphambili yekhalenda?
- Alimony
- Ukuxhasa abantwana
- Ukhuseleko lweNtlalo okanye ipensheni
- Ukungasebenzi
- Inzala, izabelo, izibonelelo
- Lawsiuts
- Ukugembula okanye ukunqoba kweloti
Icandelo 3: Bhala uluhlu oluthile lweeNtlawulo ozenzileyo ngaphambi kokuba uzifake i-Bankruptcy
Umbuzo wesi-6 : Ingaba i-Debtor 1 okanye i-Debtor 2 i-debt debts ngokukodwa ngamatyala?
- Ukuba kunjalo, ucelwa ukuba uluhlu naziphi na iintlawulo ozenzayo kwiintsuku eziyi-90 ezedlulileyo ezingaphezulu kwama-600 ukuya kunoma yimuphi umboleki. Umzekelo: Uhlawule i-First National Visa yeentlawulo ezintathu ze-$ 100 nganye. Ezi aziyi kubalwa. Kodwa, uhlawule iRoyal Motors iintlawulo ezintathu zeedola ezingama-250 nganye (i-$ 750 iyonke). Oku kufuneka uluhlu.
Umbuzo wesi-7 : Ngangonyaka o-1 ngaphambi kokuba ufake isicelo sokutshatyalaliswa, ngaba wenze inkokhelo kwityala olinetyala nabani na owayengumntu?
- Umntu ongeyena mntu okanye iqumrhu elisondelene naye, njengezihlobo, amaqabane, intsebenziswano, amashishini apho uligosa, umlawuli, umnini, i-agunya elilawulayo,
- Le yilapho uza kutyhila ukuba uyihlawule uMalume wakho uLarry emva kweemali eziyi-1 000 ezikunike yona.
Umbuzo wesi-8 : Ngonyaka onge-1 ngaphambi kokuba ufake isicelo sokutsalwa kwe-bankruptcy, ngaba wenze nayiphi na intlawulo okanye uthumele nayiphina impahla ngenxa yetyala eliye lazuza kwi-insider?
- Ukwacelwa ukuba ubhale uluhlu lwemali yokuxhasa abantwana kunye ne-alimony.
Icandelo 4: Ukuchonga izenzo zezomthetho, ukubuyiswa kunye nokuvalwa kwangaphambili
Umbuzo 9 : Ngaphambi konyaka o-1 ngaphambi kokuba ufake isicelo sokutshatyalaliswa kwezimali, ngaba ungumcimbi kunoma yimuphi umgwebo, isenzo senkundla, okanye inkqubo yokuphatha?
Umbuzo we-10 : Ngangonyaka o-1 ngaphambi kokuba ufakwe kwi-bankruptcy, ngaba yeyiphi na impahla yakho eyabuyiselwe phantsi, echongiweyo, ehlotshiwe, eqhotyoshelweyo, eyabanjwe, okanye ehlawulwayo?
Umbuzo 11 : Kwiintsuku eziyi-90 ngaphambi kokuba ufakwe kwi-bankruptcy, ngaba nawuphi na umboleki-mali, kuquka ibhanki okanye isikhungo semali, wasusa nayiphi na imali evela kwiakhawunti yakho okanye wenqaba ukwenza intlawulo ngenxa yokuba unetyala?
Umbuzo we-12 : Ngonyaka onge-1 ngaphambi kokuba ufake isicelo sokubhankanya, ngaba yeyiphi na impahla yakho kwifa lomnini-mali ukuze inzuzo yababolekisi, i-receiver-appointed receiver, okanye enye igosa?
Icandelo 5: Bhala ezinye izipho kunye neminikelo
Umbuzo 13 . Ngaphantsi kweminyaka emi-2 ngaphambi kokuba ufake isicelo sokutshatyalaliswa kwemali, ngaba unika izipho kunye nenani elipheleleyo elingaphezu kwama-$ 600 ngomntu ngamnye?
Umbuzo 14 : Ngaphambi kweminyaka emi-2 ngaphambi kokuba ufake isicelo sokutshatyalaliswa, ngaba unika naziphi izipho okanye umrhumo kunye nexabiso elipheleleyo elingaphezu kwama-$ 600 ukuya nasiphi na isisa?
- Oku kubandakanya icawa yakho yeshumi.
Icandelo 6: Bhala uluhlu oluthile
Umbuzo 15 : Ngangonyaka o-1 ngaphambi kokuba ufakwe kwi-bankruptcy okanye ukususela ekufakeni kwakho ukutshatyalaliswa kwezimali, ngaba ulahlekelwe yinto na ngenxa yobusela, umlilo, enye inhlekelele okanye ukugembula?
Icandelo 7: Bhala uluhlu oluthile lweNtlawulo okanye ukuTshintsho
Umbuzo we-16 : Ngangonyaka onge-1 ngaphambi kokuba ufake isicelo sokutshatyalaliswa, ngaba wena okanye omnye umntu owenzayo egameni lakho hlawula okanye uthumele nayiphi na impahla kwiphina umntu oye waxoxisana naye ngokufuna ukutshatyalaliswa okanye ukulungiselela isikhalazo se-bankruptcy?
- Oku kubandakanya ummeli oqeshwe ukuba ufake ifowuni ye-bankruptcy kunye nekampani oye uyihlawula iseshoni yokucebisa ngetyala.
Umbuzo 17 : Ngonyaka onge-1 ngaphambi kokuba ufake isicelo sokutshatyalaliswa, ngaba wena okanye omnye umntu owenzayo egameni lakho hlawula okanye uthumele nayiphi na impahla kumntu othembisa ukukunceda ukuba ujongane nababolekisi bakho okanye wenze iintlawulo kubabolekisi bakho?
Umbuzo 18 : Ngaphantsi kweminyaka emi-2 ngaphambi kokufaka isicelo sokutsalwa kwebhanki, ngaba uthengisa, uthengisa, okanye uthumela nayiphi na impahla kumntu, ngaphandle kwepropathi edluliselwe kwikhondo eliqhelekileyo lebhizinisi lakho okanye kwimali yezemali?
- Ngaba umnike umzalwana wakho loo nqanawa ehleli kwindawo yakho yangasemva? Ngaba unikele ngeChevy endala kwiProgram yeZithuthi ze-Kids?
Umbuzo 19 : Ngaphantsi kweminyaka eyi-10 ngaphambi kokuba ufake isicelo sokutsalwa kwebhanki, ngaba uwedlulisa nayiphi na impahla kwisikolo esithembele ngokuzimeleyo okanye kwisixhobo esifanayo osifumanayo?
Icandelo 8: Bhala uluhlu lweeNkcazo zeMali, iiCandelo, iiCoff deposit, kunye neeSunithi zoLondolozo
Umbuzo wesi- 20 : Ngangonyaka o-1 ngaphambi kokuba ufakwe kwi-bankruptcy, ngaba kukho naziphi iakhawunti zezimali okanye izixhobo ezigcinwe egameni lakho, okanye ngenzuzo yakho, ivaliwe, zithengisiwe, zahanjiswa okanye zithunyelwa?
- Bhala uluhlu lwee-akhawunti zezimali, kubandakanya i-akhawunti yebhanki, i-akhawunti ye-investment, ii-CD, ii-IRA, ezingama-401k.
Umbuzo wesi-21 : Ngaba unayo okanye unayo ngaphambi konyaka o-1 ngaphambi kokuba ufakwe kwi-bankruptcy, naliphi na ibhokisi yokupaka ekhuselekileyo okanye enye idiphozithi yokubambisa, imali okanye ezinye izinto ezixabisekileyo?
Umbuzo 22 : Ngaba ugcine impahla kwindawo yokugcina okanye kwindawo ngaphandle kwekhaya lakho kungakapheli unyaka o-1 ngaphambi kokuba ufakwe kwi-bankruptcy?
Icandelo 9: Ukuchonga ipropathi oye Uyabamba okanye UkuLawula omnye umntu
Umbuzo 23 : Ubambe okanye ulawule nayiphina indawo umntu onayo? Faka phakathi nawuphi na umhlaba obolekelwe kuyo, ugcinayo, okanye ubambelele kumthemba umntu.
- Ingaba umama wakho wahamba nawe ngonyaka odlulileyo waza wazisa zonke izinto zakhe kunye naye? Ngaba uboleka imoto yakho engcono yomhlobo?
Icandelo 10: Nika Iinkcukacha Ngeenkcukacha Zendalo
- Ngokuqhelekileyo, sibona kuphela le mibuzo ekhutshwe ngabantu abasebenzisa isiteshini segesi, okanye babe nezoshishino ezingasebenzisa iikhemikhali okanye ukuvelisa inkunkuma efuna ukuphathwa ngokukhethekileyo.
Umbuzo 24 : Ingaba kukho nayiphi na idilesi karhulumente ekwazisile ukuba unokuba noxanduva okanye unokuba uxanduva phantsi okanye ulwaphulo mthetho?
Umbuzo 25 : Ngaba unikwe nayiphi na idilesi karhulumente kwanoma yikuphi ukukhutshwa kwezinto ezinobungozi?
Umbuzo 26 : Ngaba ube yinkampani kunoma yimuphi umgwebo okanye ulawulo ngaphantsi komthetho? Faka iindawo zokuhlala kunye nemiyalelo.
Icandelo 11: Nika Iinkcukacha Ngezoshishino Zakho okanye Iinkcukacha kwiNkampani
Umbuzo 27 : Ngaphambi kweminyaka engama-4 ngaphambi kokuba ufake isicelo sokutsalwa kwebhanki, ngaba unayo ibhizinisi okanye unakho na olu luqhagamshelwano lulandelayo nawuphi na ishishini?
- Kubandakanya i-proprietorships yodwa, intsebenziswano, izinkampani apho ungoyigosa, umlawuli, okanye ulawulo olulawulayo, okanye umnini ubuncinane ubuncinane ama-5%.
Umbuzo 28 : Ngaphambi kweminyaka emi-2 ngaphambi kokufaka isicelo sokutshatyalaliswa kwezimali, ngaba unikwe ingxelo yezimali kunoma ngubani malunga ne shishini lakho? Faka onke amaziko eemali, abathengi okanye amanye amaqela.
Uhlaziywe ngoJanuwari 2018 nguCarron E. Nicks