Okanye, mhlawumbi wafaka iSahluko 7 seminyaka edluleyo, wathola ukukhutshwa , kodwa uzakufumana ubunzima bezezimali kwakhona.
Ufuna ukwazi ukuba kufuneka ude ixesha elingakanani ukufaka ifowuni enye.
Umthetho we-Federal bankruptcy ubeka umda ukuba ungaphila iimeko ezintsha. Kwaye, nangona uvumelekile ukufaka ifowuni, enye yeenzuzo zelo fayile - ukuhlala ngokuzenzekelayo- kunokukhawulwa okanye kulibaziseka.
Ndayifaka iminyaka engaphantsi kwebhanki. Ndiyakwazi ukuyilayisha kwakhona?
Kukhona ithuba elihle unokuyifaka kwakhona kwakhona, kodwa kungekudala kuxhomekeke kwimeko enjani oye wafaka ngaphambili, kwaye yintoni oceba ukuyihambisa ngeli xesha. Kuxhomekeke nokuba ingaba ityala langaphambili liye laphumela ekukhutsheni. Ukuba ityala langaphambili laxothwa ngaphandle kokukhutshwa, ungaphinda uphinde ufake kwakhona, ngokuxhomekeke kwimimiselo esiyithetha kuyo kwicandelo elilandelayo. Ukuba lakho ityala likhutshwe , le tstshana ichaza xa unokufaka ifayile elandelayo.
| Kwimeko yangaphambili | Kwimeko elandelayo | Umda wexesha |
|---|---|---|
| Isahluko 7 | Isahluko 7 | Kufuneka ulinde iminyaka engama-8 emva kokufaka ifowuni yangaphambili. |
| Isahluko 13 | Isahluko 13 | Kufuneka ulinde iminyaka emi-2 emva kokufakela imeko yangaphambili. Ekubeni iimeko ezininzi zeSahluko 13 eziphumela ekugqithweni kokudlulileyo kwiminyaka engama-2 (iminyaka emithathu ukuya kwemihlanu), njengento ebalulekileyo, abaninzi abantu banokufaka ifowuni entsha yeSahluko 13 emva kokufumana ukukhutshwa kwimeko yeSahluko 13. |
| Isahluko 7 | Isahluko 13 | Kufuneka ulinde iminyaka emine emva kokufaka ifowuni yangaphambili. |
| Isahluko 13 | Isahluko 7 | Kufuneka ulinde iminyaka engama-6 emva kokufowundela imeko yangaphambili, ngaphandle kokuba iSicwangciso seSahluko 13 sokuhlawulelwa sihlongozwe ngokunyanisekileyo, sasingumzamo omhle kwaye sihlawulwe ubuncinane ama-70% amabango angakhuselekanga |
Icandelo lam Isahluko 13 laxothwa . Ndiza kuphinda ndifake kwakhona ngokukhawuleza?
Enye imeko ivela xa ufaka icala leSahluko 13 kodwa akakwazi ukuzalisa iintlawulo. Xa oko kwenzeka, awuyi kuvunyelwa ukukhutshwa kwamatyala akho (ngaphandle kokuba ufanelekile kwaye ucele ukukhutshwa kobunzima.) Endaweni, ityala lakho liya kukhutshwa.
Ngokuqhelekileyo, ukuba isigxina sakho seSahluko 13 sichithwa, unokufakela elinye ityala ngokukhawuleza. Ngezizathu ezicwangcisiweyo, abanye abanetyala baya kufaka kwaye baxotha amacala amaninzi ngokulandelelana ngokukhawuleza. Oku akusiyo into efanelekileyo, kodwa kunokwenzeka. Umboleki, ojongene nosongelo kwipropati, ifayile yefayili yokubhankqalaza ukuyeka ukuhlaziywa okanye ukuchithwa. Xa isongelo sidlulayo, umboleki uza kubuza inkundla ukuba ikhuphe loo matyala, okanye mhlawumbi izakuyeka ukwenza iintlawulo zeplani, eziya kubangela ukuxothwa. Xa umbolekisi evuselela imizamo yokuqokelela, umboleki uya kufaka icala elitsha. Ukulwa nabatyala abanomdlalo ngale ndlela, iCongress yabandakanya imibandela kwiKhowudi yeBhanki ye-Bankruptcy evumela ababoleki ukuba bafake iimeko ezintsha. Kodwa, ikhowudi ye-Bankruptcy iyanciphisa indlela umboleki angasebenzisa ngayo ngokuzenzekelayo ukuhlala kwiimeko ezinjalo.
Elinye icala elingaphantsi kweenyanga ezililishumi elinambini:
Ukuba unecala lokuqala lokubhalwa kwebhanki elingaphambi kweenyanga ezilishumi elinesibini ezidlulileyo eziye zaxothwa, unakho ukufaka ifowuni yesibini, kodwa ukuhlala ngokuzenzekelayo kuya kuqhubeka kuphela kwiintsuku ezingama-30 zokuqala kwimeko yesibini. Ababolekisi baya kufuneka bayeke izenzo zabo zokuqokelela, kubandakanywa ukuchithwa kwemali, ukubuyisela kwakhona nokunye okunjalo, kodwa iintsuku ezingama-30 kuphela.
Emva koko, ukuhlala ngokuzenzekelayo kuya kuphakamisa ngokuzenzekelayo ngaphandle kokuba ucele inkundla ukuba iyandise.
Amatyala amabini alinde kwiinyanga ezililishumi elinambini:
Ukuba unamacala amabini alinde kwiinyanga ezili-12 ezidlulileyo, unokuvunyelwa ukuba ufake ifowuni yesithathu, kodwa ukuhlala ngokuzenzekelayo akuyi kusebenza nonke ngaphandle kokuba ucele inkundla ukuba iyifake. Ukuba ngaba imeko yakho, ukufakela eso sihlandlo sesithathu asiyi kuyeka ukukhutshwa, ukugcinwa kwezinto, ukulungiswa, izigwegwe, iileta, iifownuni okanye nayiphi na enye umboleki-mboleko uphakamise.
Buza inkundla ukuba iqhubeke okanye imisele ukuzenzekela ngokuzenzekelayo
Ukuba ubeka iimeko ezilandelelanayo njengoko kuchazwe apha, unokucela inkundla ukuba yenze i-stay okanye ibeke indawo yokuhlala. Ukuchonga ukuba ngaba uyakufanelekela le ntuthuko, inkundla iya kujonga kwizinto eziliqela eziquka:
inani lamatyala owafakayo
ingaba amatyala akho axoshwe ngenxa yokungabi nhlawulo, iphoso (eyakho okanye ummeli wakho), ukuhluleka ukwenza ifayile efunwayo, okanye ukuhluleka ukusebenzisana nomphathiswa
ingaba uchithe ityala lakho emva kokuba umboleki-mali enikezele isikhalazo sokuncedisa ukuhlala ngokuzenzekelayo (ngokuqhelekileyo ufuna imvume yokubuyisela imoto okanye ukukhangela kwangaphambili indlu)
ingaba iimeko zakho zitshintshile ukususela kwimeko yakho yangaphambili
Ndiyifake iMicimbi emininzi kwiminyaka emininzi. Ngaba Ndinokuphinda Ndifake kwakhona?
Nangona iimeko zakho zangaphambilini zazisasazeka ngaphezu kweenyanga ezilishumi elinesibini zokugqibela, unganakho ekhaya. Umphathiswa wakho we- bankruptcy , i-Ofisi ye-Trustee yase-US (icandelo leSebe lezoBulungisa) kunye nababolekisi bakho baya kujonga onke amacala akho phambi kokuba uqaphele ukuba uzama ukusebenzisa inzuzo kule nkqubo. Nasi umzekelo:
UDave noMargaret bafaka icala kwiSahluko 13 ngo-2015. Oku kwakungesiyo imeko yabo yokuqala. Nalu uluhlu lweedyala zikaDave no-Margaret zangaphambili:
- 2004, icala leSahluko 7; fumana ukukhutshwa
- Ngo-2010, icala leSahluko 13; Icala elichithwe ukungaphumeleli ukwenza iintlawulo zeplani
- 2012, isahluko 13; Icala elichithwe ngokungaphumeleli ukufaka ifayile efunekayo
Kwimeko nganye, ukuhlala ngokuzenzekelayo akuzange kuthinteke, kodwa emva kokuba ityala lwakamuva lenziwe, iSahluko 13 umphathiswa wabuza inkundla ukuba ikhuphe ityala lokufowunela. UDave noMargaret baya kufuneka bangene enkundleni baze banikele ubungqina ngokumalunga nezizathu zokufakela nokugxotha zombini iimeko zeSahluko 13 zangaphambili. Ukuba inkundla ivumela ukuba ityala elitsha liqhubeke, mhlawumbi liphantsi kwimeko yokuba ukuba ityala elitsha lixothwe, eso sibini asiyi kuvunyelwa ukufaka enye ityala ixesha elithile, elinokuthi libe ngumnyaka okanye ngaphezulu.
Ukuba inkundla inokuphazamiseka ngokukodwa ngamanyathelo abo, inkundla inokuthi ikhuphe ngokukhawuleza elo tyala ngokubonelela okuya kubaphelisa ukuba bafake kwakhona ixesha elithile. Kwezinye iimeko ezinzima, inkundla inamisela isigxina ngokusisigxina ukususela ekufakeni elinye icala.
Jonga umzekelo Kwi-Mac Truong , 14-13050, eSithili saseNew York.
Ukuhlaziywa nguCarron Nicks ngoSeptemba 2017.