Ukukhetha ukuxolelwa kwakho kubaluleke kakhulu kwipropati oyigcina emva kokutshatyalaliswa kwebhanki
Ipropathi ovumelekileyo ukuba igcine kwi-case ye-bankruptcy ibizwa ngokuthi i-property exemption. Ngoko ukuba inkundla kunye nababolekisi bakho baya kukwazi ukuba yeyiphi na impahla eniyihlose ukuyigcina, ikhowudi ye-bankruptcy idinga ukuba uqiniseke ngokuqinisekileyo ukuba abo baxolelwa.
Sikufumanaphi ukuxolelwa?
Ukuxoshwa kwe-Bankruptcy kusekelwe kumthetho welizwe kunye nomthetho. Ngamanye amazwe awamisele ukukhululwa kwawo. Ezi zizathu zisebenza kwizinto ezingaphezulu kwee-bankruptcy cases. Ziya kusebenza kwakhona xa umboleki-mali efumana isigwebo kwaye ufuna ukuthatha impahla yomboleki ukuba anelise.
ICongress iphinde idlulise i-exemption of exemptions. Ngokuxhomekeke kwindawo ohlala kuyo kunye nefayili ye-bankruptcy, umthetho wurhulumente unokuvumela ukuba usebenzise kuphela ukuxolelwa koburhulumente, ngokuchasene nokukhululwa komthetho . Ngokomzekelo, eKalifornia, unokukhetha kuphela ukuxolelwa kwimeko yelizwe kwaye kungabikho ukukhululwa komthetho. Kodwa eTexas, unokukhetha ukuba ungasebenzisa ukuxolelwa kwe-Texas okanye ukukhululwa komthetho.
Unokufunda ngokubanzi malunga nokukhululwa okuhlukeneyo kwimeko nganye.
Cinga ukufumana Uncedo lobuNtu
Ukuxolelwa kwebhanki kubunzima. Nangona akudingeki uqeshe igqwetha ukuba likumele xa usenza ifowuni ye-bankruptcy, esinye sezizathu ezibalulekileyo zokuba ungakhetha ukuhlawula uncedo lomthetho kukukhetha nokufakela uluhlu lwakho lokuxolelwa.
Ukuba ufumani kakubi, imiphumo ingaba yintlonelo yokuphazamiseka.
Ishedyuli C
Enye yamaxwebhu oyifayile kunye nephepha lakho lokubhankanya libizwa ngokuba yiShedyuli C: Ipropati oyibango njengoko uyikhutshiwe, ifomu elisemthethweni B 106C. Ishedyuli C ngokuqinisekileyo yincwadi ebalulekileyo ekuyizalisayo xa ufaka i-bankruptcy, kungakhathaliseki ukuba isahluko. Ishedyuli C iqulethe amabango akho okuxolelwa . Ezi zizathu zivumelekile ukuba ugcine impahla leyo eya kuba yipropati ye-property loss and trustee.
Ukugqiba iShedyuli C
Icandelo 1, Umbuzo 1
KwiCandelo 1 leShedyuli C, uya kuqaphela ukuba umqulu ufuna ukuba ukhethe ibhokisi ukuba ucela ukukhululwa ngokulandelana ne-11 USC icandelo 522 (b) (2) okanye 11 i-USC icandelo 522 (b) (3). Ukuba ukhetha ukukhululwa komthetho welizwe, khetha 522 (b) (3); icandelo 522 (b) (2) libonisa ukuba ukhethe ukukhululwa komthetho we-federal. Amanye amazwe awavumeli ukuba ukhethe ukukhululwa komthetho wesigqeba. Qhagamshelana nommeli we-bankruptcy ukuze uqinisekise ukuba ngaba kunjalo kwiimeko zokuhlala.
Icandelo 1, Umbuzo 2
Inkcazelo yePropati
Ukuqala ngombuzo wesi-2, uza kuluhlu lonke ipropati evela kwiShedyuli A / B apho ufunayo ukuxolelwa.
Ukuba awuyilo uluhlu lweShedyuli A / B, aluyi kuxolelwa, kwaye umphathiswa we-bankruptcy angayithabatha aze ayithengise! Kufuneka usebenzise iinkcazo ezifanayo ozisebenzise kwiShedyuli A / B.
Ukubaluleka kwangoku kweNgxenye oyiNiyo
Uza kubonisa kwakhona imali ekhoyo njengenani le propati onayo. Unokukhetha ukuluhlu lwemali ethile. Ngokomzekelo, eCalifornia, icandelo 703.140 (b) (3) livumela umhlali ukuba athathe imali engama-$ 550 nganye into. Ngaloo ndlela, kuloo mzekelo, uza kufaka i-$ 550 kwi-blank blank value. Ngenye indlela, unokukhetha ukutsho ukuba uthatha i-100% yexabiso lemarike elifanelekileyo, ukuya kuyo nayiphi na imida echazwe kwimimiselo yokuxhomekeka efanelekileyo oyisebenzisayo.
Imithetho eqhelekileyo evumela ukuxolelwa
Kule nto ingenanto uza kufaka icandelo elithile lekhowudi elinikezela ukuxolelwa.
Ngokomzekelo, eKalifornia, uya kucacisa iCode California Code of Civil Procedure section 703.140 (b) (3) ukuxolelwa kwimpahla yasendlwini kunye nezambatho. Urhulumente ngamnye unesiseko sakhe sokuxolelwa, kwaye kukho ukukhululwa okukukhowudi ye-bankruptcy kunye neminye imithetho.
Ukufumana okunye, khangela iNgxowa-mali yokuBhujiswa nguRhulumente
Icandelo 1, Umbuzo 3
Umbuzo wesi-3 ubuza malunga nokuba ucela ukuxolelwa kumakhaya akho ngaphezulu kwexabiso elithile (eliguqulela yonke iminyaka emithathu), nokuba ngaba ufumene ipropati ngaphezu kweentsuku ezili-1,215 ngaphambi kokuba ufake ifowuni. Ukhawulelwe ekukhutshweni kwemali ethile kwixabiso elithile xa ufumene umakhaya osanda kutshanje. Oku kukuthintela abafowuni ekuguquleni impahla engeyiyo ikhutshwe imali kunye nokusebenzisa loo mali ukuze bathenge ixabiso elibizayo kungekudala ngaphambi kokufakela i-bankruptcy.
Icandelo 2
Icandelo 2 kwiphepha lesibini nje kuphela ukuqhubeka kweNgxenye 1, Umbuzo 2. Ungongeza kwakhona iphepha elongezelelweyo njengoko kuyimfuneko ukuqinisekisa ukuba ufumene yonke impahla efuna ukuyixolela.
Ukuchasa kwiimangalo zakho zokuxolelwa
Emva kokuba ufake i-bankruptcy yakho, nawuphi na umboleki, umphathiswa we- bankruptcy okanye i-Trustee yase-US inokuphikisa kumabango akho okuxolelwa. Oku kwenziwa ngokufaka isikhalazo esibhaliweyo nenkundla ye-bankruptcy. Ukuvalelwa kuya kuqhutyelwa phambi kwejaji ye-bankrupt kwisichaso. Iqela lingaphikisana namabango akho okuxolelwa ngezizathu ezahlukeneyo, ezifana nokukhululwa okungafanelekanga (ukucela ukuxolelwa kwezambatho phantsi komyalelo wokukhululwa kwemoto). Ukuchaswa kwamabango akho okuxolelwa kufuneka kufakwe zingadlulanga iintsuku ezingama-30 emva kokuba umphathiswa aphelise intlanganiso yakho yabathengi , okanye kwiintsuku ezingama-30 nakweziphi na izilungiso kwiShedyuli C.
Isibonelelo sokuxolelwa
Ukuba akukho mntu uzimisele ukukhululwa kwakho kwimizuzu engama-30 ekhankanywe ngasentla, ukukhululwa kwakho kuya kuvunyelwa "ngokusebenza komthetho." Oku kuthetha ukuba ukuxolelwa kwakho kuvunyelwe ngokuzenzekelayo kwaye akufanele ube nexhala lokuba umphathiswa uya kuza emva kwepropathi oye uyixolela.
Ngolunye ulwazi
Ukuze ufunde okungakumbi malunga nendlela ukuxolelwa kusebenza ngayo kwiimeko zokubhankqalaza, khangela la manqaku:
Ukuqonda ukuxoshwa kweBhanchrisy
Ukukhetha Phakathi koMbuso kunye neNgxowa-mali yokuBhankanya i-Federal Bank
Ukuxoshwa kwe-Federal Bankruptcy
Ukuxoxwa kweeNgxowa-mali ezichaphazelekayo kuthintela njani iSahluko 13 kunye neSahluko se-11
Ukuhlaziywa ngo-Apreli 2018 nguCarron Nicks.