I-Off-Off-Off Off
Kwezinye iimeko, umbolekisi unokugqiba isigqibo sokususa ityala ngokupheleleyo.
Xa oko kwenzeka, awunaso xanduva lokuhlawula ityala. Ngelixa unako ukukhululeka ekubeni ungenayo le mbopheleleko, kukho impembelelo kwerhafu.
Xa ababolekisi bekhansela amatyala, kufuneka baxele ixabiso elikhansekileyo (ukuba lidlula i-$ 600) kwi-IRS usebenzisa i- Form 1099-C yokukhanselwa kwetyala .
I-IRS ibona nayiphi na inkokhelo ekhansekileyo njengeniso, kwaye kufuneka uyixele ingeniso kwimbuyekezo yakho yentlawulo yonyaka. Unokwandisa uxanduva lwakho lwerhafu kwaye kubangele ukubuyiselwa kwembuyekezo encinci yerhafu okanye kufune ukuba uhlawule irhafu yentlawulo eyongezelelweyo kwi-IRS. Ngenxa yokuba umbolekisi uthumele ikopi yokucinywa kwefom yefom ye-IRS, i-IRS ilindele ukuba ufake ixabiso lembuyekezo yakho yentela. Ukubuya kwakho akuvumelekanga, okanye ungayifumana ibhilikhi evela kwi-IRS ukuba unganakufaka isixa-mali.
Ngokuxhomekeke kwingeniso yakho, ibhakha yerhafu, isimo sokufakela, kunye neyezinye izinto zerhafu, ityala elikhanselelweyo lingachaphazela kuphela irhafu yakho.
Akunakwenzeka ukuba uza kuhlawula inani elipheleleyo lokukhanselwa kwi-IRS.
I-Off-Off Offs
Kufuneka kwakhona ukuba ufake iitaliti ezirhoxisiweyo kwiirhafu xa uhlawulelo-mali luhlawulelwe ngenxa yokuba umboleki-mali ukhansela inxalenye yetyala kwi-offer settlement. Ukuhlala apho uxoxisana nombolekisi ukuba akhokhe ipesenti yebhanki ephumayo ukuze anelise ityala elipheleleyo.
Ukungabikho kokungeniswa
Unako ukufumana ithuba ngaphandle kokufaka ityala elikhansekileyo njengeniso engenayo engenayo kwi-tax return yakho. Ukuba ungekho phantsi, oku kuthetha ukuba unetyala elibi, ngelixa ityala likhanseliwe, unokuthi ungabi na ingxelo okanye yonke inxalenye yokuhlawulwa kwe-IRS. Kumele ufake ifom ye-IRS ye-IF2 (ikhonkco yePDI), Ukunciphisa iAfayili zeRhafu ngenxa yokuKhutshwa kweNtlawulo, ukufaka isicelo sokukhutshwa kwe-insolvency exemption. Kule nto, kuya kufuneka ukuba ube nolwahlu lweempahla zakho kunye namatyala ngexesha elihlawulwe ngayo ityala.
Fumana i-Preparator yeRhafu echaphazelekayo
Kuhlala kunomdla wakho ukufuna uncedo lwengcali yerhafu, ingakumbi xa ujongene neemeko zerhafu ezingajwayelekile. I-preparator yerhafu inokukunceda ukuqinisekisa ukuba irhafu yakho ifakwe ngokuchanekileyo nokuba oko kuthetha ukuquka ityala elikhansekileyo njengenzuzo okanye ukufakela ukungeniswa kwe-insolvency.
Awufuni ukuba yi-porone ye-guinea yengulube. Xa ukhetha uchwepheshe weerhafu, buza ukuba banamava abasebenzisana nabakhokhi berhafu abaye bafake ifom ye-1099-C okanye bathi bangenalo ukungabikho. Ufuna ukufumana uncedo lwezentengiselwano zerhafu ngentlawulo yakho.