Ukuba ucinga ukuhamba yedwa, mhlawumbi ulungele ukukhangela imali, uchithe ixesha elithile uphando malunga neendleko zokufakela ityala le-bankruptcy, kwaye unenkxalabo yokuba awuyi kukwazi ukuza kunye nemali yokuqesha umntu ukukunceda.
Ngaphambi kokuba unqume ukuhamba yodwa, kukho ezinye izinto omele ucinge ngazo.
Oku akusiyo isigqibo sokwenza lula. Ukuba wenza nayiphi na imiphumo, unokuphelisa ngakumbi kunokuba ukhona ngoku.
Nazi ezinye izinto ofuna ukuziqwalasela.
Uninzi Kangakanani Ukufakela iFayili?
Yinyani. Ukufumana ukumelwa kwekhwalithi, njengezinto ezininzi, kuya kufuneka uhlawule, ngaphandle kokuba ufanelekele iinkonzo eziphantsi kweendleko ngeNtlangano yoNcedo lwezomthetho. Kodwa, phambi kokuba ugxume kuzo naziphi na izigqibo, unokufumana ukuba ifikeleleke ngakumbi kunokuba ucinge. Uninzi lwabagwebi bebhanki bebhanki banikeza ukubonisana ngokukhululekile kokuqala. Igosa lingakunceda ukuba ubone ukuba unelungelo lokuncediswa ngoNcedo lwezomthetho okanye ngeprogram yepro bono enikezelwa yintlanganiso ye-bar kufuphi nawe. Igqwetha lakho linokukunika izicwangciso zokuqokelela imali ukuba awufaneleki ukufumana uncedo olungaphantsi kwenzuzo.
Gcina ukhumbule ukuba oko uza kuhlawula kwifayile ye-bankruptcy yinto encinane kakhulu kunokuba uya kuhlawula xa uqhubeka uzama ukubonelela ngamatyala akho.
Kwaye akuyikubala uxinzelelo, ukukhungatheka, ukunyuka kweminyaka kunye neminyaka oyichithayo ukulungisa i-credit yakho. Ngolunye ulwazi malunga nendlela yokufumana ukufakela i-bankruptcy, jonga amanqaku ethu
Ukuqhaqhazela kwi-File Bankruptcy?
Ukuqhaqhazela kwi-File Bankruptcy? Icandelo 2
Ngaba Unayo Yodwa?
Ngoko, ngokungathandabuzeki uyazibuza ukuba ngaba unokukwazi ukuzimela ekhompini yakho.
Ngokuqinisekileyo kunokwenzeka ukwenza njalo. Ubungqina obungabonakaliyo bubonisa ukuba abafakeli be- pro se (abo bafakela ngokwabo) abanakho ubunzima ngokugqithisa ngempumelelo inkundla ye-bankruptcy-ubuncinci kwiimeko zeSahluko 7-kunokuba zifowuni ezihlawula amagqwetha ekujongeni amacala abo. Enyanisweni, enye i-poll yongqungquthela yakutshanje ifumanise ukuba enye yezohlwayo ezithintekayo zifakwe kwi-cases (ngaphandle kokuncedisa igqwetha).
Kukho izinto ezininzi ezinzima kwisigqibo esibalulekileyo njengokufakela i-case bankruptcy ngokwakho, kwaye kuxhomekeka kukubunzima kwimeko. Nazi izinto ezimbalwa zokucinga ngazo ezinokuchaphazela imeko yakho kwaye zenze kube nzima kuwe ukulawula ngokwakho.
Iipropati Zakho
Ayininzi kakhulu amatyala enokubangela iingxaki, nangona zinokuba nzima ukuba umboleki-mali ucelomngeni nokuba ngaba ityala linokukhutshwa. Umba woqobo unxulumene nohlobo kunye nexabiso lempahla.
Akukho mboleki kwi-bankruptcy eshiywe kungekho nto ekupheleni kwecala. Kulo lonke urhulumente, umboleki uvumelekile ukuba agcine inani elithile kunye nexabiso lempahla efunekayo ukuze aqale ukuqala. Ezi zibizwa ngokuthi ukukhululwa , kwaye ixabiso lihluke kwilizwe ukuya kutsho. Zibizwa ngokuba zikhululekile ngenxa yokuba ipropati iyaxolelwa ekufikeleleni kwintendelezo, umphathiswa kunye nababolekisi bakho.
Ukukhululwa kusebenza ngokuhlukileyo kwiSahluko 7 kunoko kwiSahluko 13. Ukuba ufaka icala leSahluko 7 se-bankruptcy ngenkathi unesakhiwo esingenakuxolelwa, umphathiswa wakho angathatha loo propati, ayithengise kwaye ayisebenzise imali ukuhlawula abanye bakho imali mboleko. kubo. Ukuba unempahla engenakho ukuxolelwa xa ufaka isiqendu sesicwangciso seNtlawulo yeSahluko 13, ixabiso lefa liyakongezwa kwisicwangciso sakho sokuhlawula ukunyusa iintlawulo zakho okanye ubude besicwangciso.
Ukuba awunakho ngaphezulu kwefenitshala kwindlu yakho kunye nemoto okanye amabini, mhlawumbi akunakufuneka ukuba unike nayiphina impahla yakho, nje kuphela ukuba uqaphele ukuba uluhlule yonke into onayo kwaye uluhlu xabiso elifanelekileyo. Kubalulekile, nangona kunjalo, ukuba uyazi ukuba zeziphi iimvume ezivunyelwe kwimeko yakho. Nantsi indawo yokuqala:
Ukuqonda ukuxoshwa kweBhanchrisy
Lindela Ukunyamekela kweNkundla
Ukuba kubonakala ngathi awuyi kuba neyiphi impahla engekho-mali, ukufakela isahluko sesi-7 kusengumsebenzi onzima. I-trustee yakho ayiyi kuba nomdla okhethekileyo kwimeko yakho, ukuba kungekho esinye isizathu kunokuba uqinisekise ukuba ubhale yonke into ngokufanelekileyo. Unokulindela ukuba umphathiswa uya kukucela amaxwebhu angeziwe, njengemifanekiso yeentlawulo zerhafu, amaphepha emizi, amaphepha emoto kunye neengxelo ze-akhawunti yebhanki. Iintlanganiso zakho zababolekisi ziza kuthatha ixesha elide kunezifowuni ezimelelwe ngamagqwetha ukwenzela ukuba umphathiswa angenza umsebenzi opheleleyo wokukuhlola phantsi kwesifungo. Ngenxa yesizathu esifanayo, ababolekisi bakho baya kubonakala ngokucophelela kwiimaphepha.
Gcina ukhumbule ukuba ulwazi olunikezela inkundla kufuneka luzalise kwaye luchaneke. Uya kusayina iifowuni phantsi kwesihlwayo se-perjury kwaye kamva kufuneka ulingqine ngokuchaneka kwayo phantsi kwesifungo. Imiphumo yokuqamba amanga inzima.
Ukuba uzimisele ukubekezelela ukuhlolisisa okunjalo, kufuneka uhlale ukhumbule iingcipheko onokujamelana nazo kunokuba ungadlulisa umzamo wakho wokuhamba wodwa.
Ukufumana izinto ezininzi ukucinga ngazo ukuba ucinga ukufaka i-bankruptcy ngokwakho, yabona
Ukufakela i-Bankruptcy ngaphandle koMmeli: Isahluko 13 Imiba
Ukufakela i-Bankruptcy ngaphandle koMmeli: Izibonelelo ze-Pro Se Filer
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