Iindlela zokuVavanywa kweSahluko 13
Okokuqala, iSahluko 13 esinetyala kufuneka ifake iifom ezimbini ezidibanisa kunye novavanyo lweSahluko 13.
Iyokuqala yiSahluko 13 Ingxelo yeNkcazo yakho yangokuNyanga kunye nokuBalwa kwexesha lokuzibophezela, ifomu elisemthethweni iB122C-1. Eli fom libala inani lemali engenayo yenyanga ngenyanga kunye nokusetyenziswa ukuba kuqinisekiswe ukuba ityala lakho lifanele lihlale iminyaka emithathu okanye elide iminyaka emihlanu. Ngamafutshane, ukuba ingeniso yakho yentsapho ingaphantsi komlambo kwilizwe lakho, icebo lakho lifuna kuphela ukuhlala iminyaka emithathu. Ukuba inzala yakho yentsapho ingaphezu komyinge, kufuneka idlule iminyaka emihlanu. Umlambo ngumbono apho iipesenti ezingama-50 zeentsapho ziwela phezulu kunye neepesenti ezingama-50 ziwela ngaphantsi. Kwiimeko ezifakwe emva komhla kaNovemba 1, 2015, iingeniso zemali zifumaneke apha: Imali yeNkxaso yeMndeni
Ifom ye sibini iSahluko 13 Ukubalwa kweNgeniso yakho eLahlwayo, ifom ye-Official B122C-2 Le fomu ibalwa umahluko phakathi kwemali engenayo kunye neendleko zakho ezifanelekileyo neziyimfuneko. Ukuba ingeniso yakho iphezulu kuneendleko zakho, unemali engenayo.
Ubuncinane inxalenye yale mali engenayo iya kufakwa kwiSahluko 13 sokuhlawula, kwaye iya kusetyenziswa ukuhlawula amabango avumelekileyo ngamatyala angakhuselekanga njengamakhadi etyala kunye neendleko zonyango.
Nangona ingeniso yakho ingaba lula kakhulu ukuzimisela kwifomu yokuqala, kunokubakho indawo yokungavumelani nokuba iindleko ezithile ziqikelelwa okanye kungekho kwifomu yesibini.
Eminye imiselwe wena ekubaleni, ngokusekelwe kwimilinganiselo kazwelonke okanye yengingqi, kodwa ezinye zingenziwa ngokwezifiso kwiimeko zakho. Ukufumana loo mali evunyiweyo yiSahluko 13 i-trustee ingaba yinxalenye enkulu yecala leSahluko 13.
Isahluko 13
Emva kokuba imali yenkcitho kunye neendleko zenziwe kwaye ixesha lokuzibophezela (iminyaka emithathu ukuya kweyimihlanu) sele lichongiwe, isicwangciso sokuhlawula sinokubalwa. Isicwangciso sokuhlawula siya kubandakanya imali
- imali engenayo evela kwi-Form B122C-2.
- Iimbuyekezo ezifunekayo kubaboleki bemali mboleko
- ukuhlawula indlu kwimizi yamandla
- Amatyala okuqala njengentlawulo yangasemva
- ukuhlawulwa kwemoto ** okanye ukuhlawulwa kwemali ehlawulwa ngabatyala bemoto
- iintlawulo zamagqwetha, ukuba zihlawulwa ngecebo
- Imali yolawulo kwiSahluko 13 umphathiswa
- xabiso lwezinto ezingenakutyala ***
* Kwezinye iinqununu, ezibizwa ngokuba yimigunya yamandla, abanetyala kufuneka bahlawule yonke indlu yabo kwiSahluko 13, njengengxowa-mali kuphela. Ucwaningo luye lwabonisa ukuba abatyala abanokwenza iintlawulo zendlu ngale ndlela banako ukufumana isicwangciso seSahluko 13 esiyimpumelelo.
** Kunokwenzeka ukufaka yonke inkokhelo yakho yemoto kwisicwangciso kwaye ulungise uhlawulelo lomrhumo wakho okanye inani lenqununu uya kubuyiselwa xa umboleko wakho wemoto ubuncinane ubuneminyaka engama-910 (2 ½) ubudala xa ufaka icala le-bankruptcy.
*** Ukuba unempahla engenakho ukuxolelwa, ixabiso lezo zinto ziza kudibaniswa kwisiCwangciso sakho seSahluko 13. Funda kabanzi malunga neSahluko 13: Inomdla oncomekayo yovavanyo lweCreditor.
Cwangcisa iifom ngokuqhelekileyo zichanekileyo kummandla apho icala lifakwe khona. Ezi zifumaneka kwiwebhusayithi enkundleni okanye kwiwebsite yeSahluko 13 umphathiswa apho kuye kwabelwa khona ityala.
Ungafunda ngokubanzi ngeSahluko 13 kwizicwangciso:
Ingakanani iSahluko se-13 soMvuzo?
Ukuze ufunde kabanzi ngeSahluko 13 ngokubanzi, yabona
Ukuphila kunye neSahluko 13, Icandelo 1
Ukuphila kunye neSahluko 13, Icandelo 2
Ukufumana izinto ezininzi ukucinga ngazo ukuba ucinga ukufaka i-bankruptcy ngokwakho, yabona
Ukufakela i-Bankruptcy Ngaphandle koMmeli: Ngaba Unako okanye Unako?
Ukufakela i-Bankruptcy Ngaphandle koMmeli: Izibilini ze-Pro Se Filters, Icandelo 1
Ukufakela i-Bankruptcy ngaphandle koMmeli: Izibilini ze-Pro Se Filters, Icandelo 2
Ukufakela i-Bankruptcy ngaphandle koMmeli: Izibilini ze-Pro Se Filters, Icandelo 3
Ukufakela i-Bankruptcy ngaphandle koMmeli: Izibonelelo ze-Pro Se Filer