Iinjongo zeNkundla yokuPhawula
Abantu abahlukeneyo baneenjongo ezahlukeneyo kwingqondo xa befake i-case bankruptcy case, nokuba ingaba ngokukhawuleza ngokukhawuleza iSahluko 7, ixesha elide elide kwiSahluko 13 ngesicwangciso sokuhlawula, okanye nakwiSahluko 11 sohlengahlengiso.
Ezi njongo zivame ukuwela kwiindidi ezibini ezibanzi esiza kuthiwa ziinjongo zokugqibela kunye neenjongo zokugqibela.
Ukuhlala ngokuzenzekelayo - ukugcina ababolekisi
Iinjongo zokugqibela eziphambili zonke iziko ezungeze isixhobo kwimithetho yokuchithwa kwemali eyenzelwe ukunika umntu obolekayo indawo yokuphefumla kunye nokunyaniseka kwengqondo yebango lababolekisi. Kubizwa ngokuba yi- othomathikhi yokuhlala . Ukuhlala ngokukodwa ngumyalelo wenkundla osebenzayo xa ityala lifakela ukuba ababolekisi bathathe amanyathelo athile ukuqokelela amatyala abo. Ngoko, ekupheleni komntu, abantu abaninzi, injongo yabo kukunandipha ukuphulukiswa kokungabambisani neefowuni ze-haranguing ezivela kubaqokeleli, iileta ezineengongelo ezinobungozi okanye izigwebo. Kwabanye, yindlela yokukhusela ukuchithwa kwendlu okanye ukuhlaziywa kwemoto.
Ukukhutshwa kwetyala - ukulawula ityala lexesha elide
Ekupheleni komva, injongo ihluke kakhulu.
Kuyinyaniso ukuba abanye abantu bafake i-case bankruptcy ukuba bathenge ixesha ukwenzela ukuba bakwazi ukufumana izindlu zabo zezimali ngokufanelekileyo, kodwa kubantu abaninzi, injongo yabo ephambili kukuba kukhutshwe ityala elinjalo njengoko banako ukuze bakwazi ukuqala ukuqala. Oko bakufunayo kukukhutshwa kwamatyala .
Wow, oko kuzwakala kulula, akunjalo?
Mane ufake ifowuni kwaye zonke izikweletu zakho zihamba.
Ewe, inyaniso kukuba, akunjalo lula. Azikho zonke iitalato ezikhutshwayo . Ezinye iintlobo zamatyala azikwazi ukukhutshwa. Abanye banokukhutshwa phantsi kweemeko ezithile kodwa kungabikho abanye. Kungenzeka ukuba umntu obolekayo uya kwiinkathazo zokufakela i-case bankruptcy kuphela ukuba afunde ukuba akukho namatyala akhe aya kukhutshwa ekupheleni.
Ukukhutshwa ngumyalelo wenkundla osondela ekupheleni kweso sizathu.
Ithi nje:
Kubonakala ukuba umboleki unelungelo lokukhutshwa, IYAQONGWA: Umboleki unikwe ukukhutshwa phantsi kwecandelo 727 yecandelo 11, i-United States Code, (i-Code of Bankruptcy).
Enye into engenayo, ukuba abantu abaninzi banokukubona, uluhlu lwangempela lwamatyala awakhutshwayo kwimeko. Esikhundleni saloo ndlela, icala eliphambili lefom esemthethweni linomxholo weenkcazo malunga nokuba zeziphi iintlobo zetyala ezikhutshwayo. Ngaphandle koko, ukuba ufunde iiphi na amatyala athile akhutshwe kwimeko ethile, kufuneka umntu atyelele iishedyuli zetyala - amaphepha afakwe ngumboleki ekuqaleni kwecala - kunye naziphi na iinkqubo ngexesha elichaphazela ukukhutshwa amatyala athile.
Isixwayiso kubabolekisi : Ukukhutshwa ngummandla onzima kumthetho.
Ngenxa yokuba akukho luhlu olubanzi kwiimeko eziza kubonisa ukuba yiyiphi inkokhelo ekhutshiwe, ababolekisi ngaphandle kwamava amaninzi afunekayo kufuneka babonane negqwetha elifanelekileyo lokuchithwa ngumntu onokumnceda ukuba aqinisekise ukuba kukho na ityala elithile elikhutshwayo. Ukuba usebenza ngokwakho ngexesha okanye emva kokuba ityala lokuqhawula imali ligqityiwe, ubeka umngcipheko wokwenza ulwaphulo olukhulu lwemithetho ye-bankruptcy engakhokelela kwizigwebo ezinkulu.
Kulolu chungechunge siza kuxubusha ukuba zeziphi iitaliti ezikhutshwayo kwaye ziphi na izikweletu ezingenakukhutshwa, ukuba abanetyala bangalahlekelwa njani ilungelo labo lokukhutshwa, abakwenzayo naziphi na izihloko. Zive ukhululekile ukuchofoza ujikeleze ukuze ufunde kabanzi malunga namatyala afana neyakho aphathwa ngayo kwiimeko eziqhelekileyo zokutshatyalaliswa.
Ngolwazi olungakumbi:
Ukuze ufunde kabanzi ngamatyala angakwazi kwaye akakwazi ukukhutshwa kwimeko yecala lokungabikho, qiniseka ukutyelela lamaphepha:
Inkcazo yokukhupha
Ukukhutshwa ngokutsha nokutshabalalisa
Ucelomngeni ukukhutshwa ngokubanzi kunye nokukhutshwa kwamatyala athile
Ukukhutshwa kwamatyala athile
Ukuxhasa abantwana kunye ne-alimony, kubandakanywa nemirhumo yommeli
Iintlawulo, izigwebo, ukubuyisela, inkundla iyala iintlawulo
Imali-mboleko yabafundi (kunye nezinye izinto)
Ukukhutshwa kwemali-mboleko yemoto, iimali-mboleko zasekhaya kunye namanye amatyala aqinisekileyo