Ukukhutshwa ngokubanzi
Ngokuqhelekileyo, xa abameli bee-bankruptcy basebenzisa igama elithi "ukukhutshwa", sixoxa ngomyalelo wokukhutshwa kwenkundla inkundla isondela kufuphi ekupheleni kweSahluko 7 okanye kwimeko yeSahluko 13. Ngokuqhelekileyo siza kubiza ukuba umyalelo wokutshatyalaliswa kweemerald . Umyalelo wokutshatyalaliswa ngokubanzi usayinisela kwihlabathi ukuba umboleki (umntu owafaka ityala le-bankruptcy) wenza oko kwakufuneka akwenze phantsi kwemithetho yee-bankruptcy kwaye ngokuqinisekileyo ukhululiwe uxanduva lokuhlawula nayiphi na imali kwiingxowa zikhutshwe .
Le fom ilula. Cofa apha ukuze uqhagamshelane nekopi yefom yegosa laseburhulumenteni yase-US.
Ithi nje:
Kubonakala ukuba umboleki unelungelo lokukhutshwa, IYAQONGWA: Umboleki unikwe ukukhutshwa phantsi kwecandelo 727 yecandelo 11, i-United States Code, (i-Code of Bankruptcy).
Ekuxubusha ukukhutshwa ngokubanzi. Kwakhona kubalulekile ukuqonda ukuba ukukhutshwa lilungelo, kungekhona ilungelo.
Ngaphambi kokuba umntu onetyala akwazi ukukhutshwa, kufuneka enze izinto ezininzi ukubonisa ukuba unelungelo lokukhutshwa.
Ngokomzekelo, umntu onetyala kufuneka afake ishedyuli epheleleyo kunye neyinyaniso enokubambisa zonke iinkalo zezimali zakhe. Kufuneka abe khona kwiNtlanganiso yabaThengi , kwaye akafanele aphange ababolekisi bakhe ngaphambi kokuba afake i-bankruptcy.
Ukukhutshwa kwamatyala athile
Azikho zonke iitalato ezikhutshwayo, nangona kunjalo. Nangona umboleki efumana ukukhutshwa ngokubanzi, mhlawumbi unokuba inani lamatyala akhe lingabikho ngaphandle kokukhutshwa. Ngamanye amazwi, awakhululwa kwimeko.
Ngelishwa, umyalelo wokukhutshwa ngokungaqhelekanga awubandakanyi uluhlu lwamatyala awenziwe. Oku kuya kuphazamisa ukuba bobabili abanamatyala kunye nabathengi. Kunoko, lo myalelo ngokwawo uquka ezinye iinkcazo kwicala eliphambeneyo (okanye kwiphepha elongezelelweyo elibandakanyiweyo kwimvulophu) esitshela ukuba yintoni ukukhutshwa kunye kwaye inikeza imizekelo yeentlobo zeetyala ezingakhange zikhutshwe. Nangona kunjalo, imiyalelo idibanisa kakhulu, eneenkcazelo ezinjengalezi "Iingxola zerhafu zerhafu" kunye " Amanye amatyala awakungekho propati adweliswe ngutyala."
Umgaqo oqhelekileyo kwimeko ye-bankruptcy kukuba ityala likhutshwa ngaphandle kokuba enye yezinto ezine ziyi nyaniso:
Ikhowudi ye-Bankruptcy ithi ngokuthe ngqo ukuba uhlobo lwetyala alukhutshwa .
Umntu obolekisiweyo ufayile i-blaji, ebizwa ngokuba ngumtshutshisi oqhubekayo , kwimeko yokukhawuleza ukukhutshwa kwetyala elithile, elikhokelela kwisigqibo somgwebi webhanki ukuba inkokhelo ayikhutshwanga.
Umboleki uqinisekisa kwakhona ityala.
Umboleki unqatshelwe ukukhutshwa ngokubanzi.
Oku kukho konke ukubuza umbuzo wamatyala awenziwe ngawo kwimeko enikwe. Oku kuxhomekeke kulolu hlobo, kwaye kwezinye iimeko, kuxhomekeke ekubeni umboleki-mboleko okanye umboleki wathatha isenzo ngexesha lelokuba acele ijaji elifihlakeleyo ukuba livakalise inkokhelo engeyiyo inkunkuma. Yiloo nto esihlala sibhekisela kuyo njengokukhutshwa kwetyala.
Ngoko ke, ukugqiba ukuba ngaba kukho ityala elithile likhutshwe, kuyakufuneka ukuba wazi ukuba kwenzeka ntoni kwimeko apho yayiza kutshintsha ityala eliza kukhishwa kwelinye elingenalo.
Ukufumanisa ukuba ngaba iTyala likhutshwe
Ukuba unombuzo malunga nokuba ityala likhutshwa, uyifumana njani impendulo? Eyona ndlela efanelekileyo yokuyiqonda kukuba kukubuza igqwetha elinesifo. Leyo ingaba igqwetha elimele umboleki okanye umntu onokufikelela kwifayili yecala.
Iifayile zeefayile zirekhoda zoluntu kwaye zifumaneka ngokubanzi kwi-intanethi ngemali kwi-PACER yenkundla yenkundla.
Ukuba ungumbolekisi, kwaye unemibuzo malunga nokuba ityala likhutshwe, uya kuqikelela ukuba ufune iingcebiso zomthetho ngaphambi kokuba uthathe isenzo sokuqokelela ityala. Ukuba uzama ukuqokelela ityala elikhutshiwe, kunokuba isifundo esixabisekileyo kuwe ngenxa yokuba unokubanjelwa yintetho yinkantolo kwaye wenze ukuhlawula umonakalo kumntu onetyala.
Ngolwazi olungakumbi:
Ukuze ufunde kabanzi ngamatyala angakwazi kwaye akakwazi ukukhutshwa kwimeko yecala lokungabikho, qiniseka ukutyelela lamaphepha:
B ukuphoqa umthetho 7004
Ukukhutshwa ngokutsha nokutshabalalisa
Ucelomngeni ukukhutshwa ngokubanzi kunye nokukhutshwa kwamatyala athile
Ibhishini, ukuthengisa kunye neerhafu zepropati
Ukuxhasa abantwana kunye ne-alimony, kubandakanywa nemirhumo yommeli
Iintlawulo, izigwebo, ukubuyisela, inkundla iyala iintlawulo
Imali-mboleko yabafundi (kunye nezinye izinto)
Ukulimala kubantu kunye nepropati
Ukukhwabanisa
Iindleko zekhadi zamatyala zamva kunye nokunyuka kwemali
Ukukhutshwa kwemali-mboleko yemoto, iimali-mboleko zasekhaya kunye namanye amatyala aqinisekileyo
Ukuqinisekiswa kunye nezinye izinto zokuphuma
Imingeni yokukhutshwa kwamanzi