Amanye amatyala aza kusinda ekutshatyalalisweni ngamatyala awakwazi ukukhutshwa kwimeko ekhohlakeleyo .
Uninzi lwalo luwela kumacandelo amabini ahlukeneyo: amatyala ahlala ehlawulekayo, kwaye amatyala ahlawulwayo enkundleni yebhanki ayakhutshwa.
Kule nqaku, sithetha ngamatyala azenzekelayo. Ngamanye amazwi, ababolekisi akufuneki ukuba bafake nantoni na ukuba benze ezi mboleko zingenakuzaliswa.
Iingxowa ezingabhalwanga kwiPhepha leNgcaciso
Nawaphi na amatyala angabhalwanga kwiphepha le-bankruptcy, elibizwa nangokuthi iishedyuli ze-bankruptcy , aziyi kukhutshwa ngenxa yokuba abo babolekisi abanakufumana isaziso okanye banethuba lokuthatha inxaxheba kwi-case case bankruptcy. Oku kubandakanya nawaphi na amatyala angabhalwa kwi-case yangaphambili yebhanki kodwa kufuneka ukuba.
Kodwa, ukuba umbolekisi wakho ufunda ityala lakho lokubhankqalaza ngenye indlela, ityala likhutshwa. Oku kungenxa yokuba umboleki-mali onolwazi lwe-case of bankruptcy angathatha inxaxheba kulo ngokufaka ibango okanye ngenye indlela ayazisa inkundla ukuba uyayazi imeko.
Abaninzi bemboleko bafunda ngamatyala e-bankruptcy ngenxa yokuba bayabhalisela kwiinkonzo ezinjengeBanko Solutions. Abaxhasi abakhulu, njengeenkampani zekhadi zekhredithi kunye neebhanki, baya kuqhathanisa iinkcukacha zabo zabathengi ngolwazi oluqokelelwe yiBanko kunye neenkonzo ezifanayo ukuqinisekisa ukuba ngabaphi abathengi babo bafake i-bankruptcy.
Kweminye imimandla, iinkundla ze-bankruptcy ziye zafaka ukuba amatyala angabhalwanga kwiphepha le-bankruptcy liya kukhishwa nangona ukuba ukubeka ingqwalasela kwakungekho ngenjongo kwaye ukuba umbolekisi wayengayifumana nayiphi na intlawulo kwimeko, eyenzeka kwiimeko ezininzi zokubhankqalaza.
Imirhumo
Abaninzi abasemagunyeni abafundele babhala iincwadi malunga neerhafu kunye nokuchithwa. Oku mhlawumbi isifundo esiyinkimbinkimbi kunayo yonke imithetho yomthetho.
Ukuchonga ukuba ityala lekhredithi likhutshwa okanye cha, kufuneka sijonge izinto ezininzi, kubandakanywa uhlobo lweerhafu, uhlobo lokutsalwa kwebhanki, xa kufakwa imbuyekezo, kunye nobudala beerhafu.
Senze imigaqo emiselweyo malunga nokukhutshwa kweentlobo ezahlukeneyo zerhafu kumanqaku amabini:
Ukukhutshwa kweMatyala: Iimashishini, ukuThengiswa kunye neNtlawulo zePropati
Ukukhutshwa kweMatyala: Imirhumo ye-Federal and State Rexes
Amatyala aphakanyiswayo kwiNkqubo yeMithetho yeNtsapho
Ininzi yamatyala emithetho yentsapho ayiyi kukhishwa kwimeko ye-bankruptcy (kodwa kukho izinto ezimbalwa).
Inani leentlobo ezahlukeneyo zamatyala angavela kwimeko yecala lomtshato: inkxaso yenkxaso yabantwana, i-alimony, iindawo zokuhlala kwipropati, ii-advocates fee kunye nezinye.
Ikhowudi ye-bankruptcy ikhuluma ngeentlobo ezimbini ezahlukeneyo zetyala lomtshato. Enye yeyona " Imbopheleleko Yenkxaso Yomzi ," kwaye enye ityala elivela kwindawo yokuhlala.
Iimfanelo zoNkxaso lwasekhaya ziquka
- Ukuxhaswa ngumtshato okanye umntwana
- Alimony
- Ukugcinwa
- Iimali ezivela kwizivumelwano zokuhlula
- Amagqwetha eemali kwiinkxaso zabantwana kunye neengxaki zokuxhasa umtshato
- Uninzi lwamatyala avela kwiigatya ezingenakubungozi
- Uninzi lwemali yeemfuno zeemfuno zomgcini
Iingxowa-mali zokuhlala kwezindlu zihlala zivela xa amaqela avumelana nepropati ehlukeneyo, kodwa isahlulo sepropati siza kwenzeka kwixesha elizayo, okanye emva kwexesha, kwaye ityala livela xa elinye iqabane libophekile ukuhlawula elinye iqela.
Ngeenjongo ezininzi, uxanduva lwekhaya lokuxhaswa kunye nokuhlaliswa kwepropati kuthathwa ngokufanayo. Kwimeko yeSahluko 7, izibophelelo zenkxaso yekhaya kunye neendawo zokuhlala eziphantsi komhlaba azikhangeli. Kodwa, kwimeko yeSahluko 13, iindawo zokuhlala zepropati zinokukhutshwa. Lo mmandla unokudideka kakhulu kubaboleki kunye namagqwetha ngokufanayo kuba rhoqo inkundla kufuneka igqibe isigqibo sokuba ukuba indawo yokuhlala ipropati yenkxaso yenkxaso yemfuyo iyayifaka.
Ukuze ufunde ngokubanzi malunga nokuba la matyala aphathwa njani kwi-bankruptcy, yabona
- Imithwalo Yenkxaso Yomzi kwiSahluko 13
- Kutheni kuFaka iNgxowa-mali yokuThatyalaliswa kweeDrakes-Related Related ?
Amatyala kuRhulumente karhulumente
Iingxowa (ngaphandle kweerhafu) kwiarhente karhulumente, kubandakanywa ne-federal, urhulumente karhulumente kunye neendawo zendawo, zihlala zingenasiswanga. Oku kubandakanya iintlawulo zenkundla, izigwebo kunye nokubuyiselwa kobugebengu.
Kukho ukungafani, nangona kunjalo. Ukuba intlawulo yenzelwe ukubuyisela urhulumente ngemali elahlekileyo ngenxa yakho, inokukhutshwa. Ngokomzekelo, ukuba urhulumente wesixeko kufuneka anqumle ingca yakho ngenxa yokuba iphakame kakhulu okanye kufuneka acacise isakhiwo esigwebileyo esivela kwipropati yakho, loo ndleko inokukhutshwa kwimeko yebhanki ukuba yenzelwe ukubuyiselwa kwesi sixeko ngeendleko ozenzayo ku funeka uyenze. Kodwa, ukuba isixeko sinikezwe isohlwayo esilungiselelwe ukukujezisa, njengetikiti elikhawulezayo, loo matyala ayiyi kukhutshwa.
Amanye amatyala kuRhulumente onokukhutshwa aquka iimali-mboleko ze-SBA kunye ne-FHA mboleko yasekhaya.
Imali Yomfundi
Imboleko yemali inzima, kodwa akunakwenzeka ukukhupha imali. Ngenxa yokuba le ndawo iyinkimbinkimbi, sibhale uluhlu olupheleleyo lwamanqaku ukukukhokela ekujonganeni nemali mboleko yomfundi xa ufaka iSahluko 7 okanye isahluko 13. Nazi ezinye iimboniselo ukuze uqalise:
Amatyala okuLawulwa koBuntu ngenxa yokuxiliswa
Ukuba ubangela ukulimala ngenxa yokuba utywala ngexesha uqhuba isithuthi, nayiphi na ityala elivela kuloo nzakalo aliyi kukhutshwa kwimeko yebhanki.
Imirhumo yombutho wabahlali
Ukuba uhlala kwikondom okanye kwindlu yokuhlala, uza kuhlawula umrhumo wenyanga, wekota okanye wonyaka wokugcina indawo eziqhelekileyo. Abanikazi abaninzi bezindlu ezizimeleyo bahlawula umbutho wendawo yomnxeba umrhumo wexesha, ngokukodwa kwiinkqubela ezicwangcisiweyo okanye kwiindawo ezisemaphandleni amatsha. Le mirhumo ayihlawulwanga kwimeko yebhanki.
Oku kunokuba yingxaki yangempela kumntu onetyala xa ikhaya linikezelwa kumboleki. Imirhumo ye-HOA ayifuni nje kuphela xa kwenzeka. Uya kuhlala usuxanduva lwee-HOA xa uhlala uhlala egameni lakho, nokuba ngaba ufake isicelo sokubhankqalaza kwaye awuhlali ekhaya. Ukuba umnini-mboleko wakho akayi kugqithisa ngokukhawuleza okanye ukhetha ukungabikho ngaphambili, unokufumana ufumana imali eninzi kwi-HOA.
Ngolwazi olungakumbi:
Ukuze ufunde kabanzi ngamatyala angakwazi kwaye akakwazi ukukhutshwa kwimeko yecala lokungabikho, qiniseka ukutyelela lamaphepha:
Ukukhutshwa ngokutsha nokutshabalalisa
Ucelomngeni ukukhutshwa ngokubanzi kunye nokukhutshwa kwamatyala athile
Ukukhutshwa kwemali-mboleko yemoto, iimali-mboleko zasekhaya kunye namanye amatyala aqinisekileyo
Ukuqinisekiswa kunye nezinye izinto zokuphuma
Imingeni yokukhutshwa kwamanzi
Ukuhlaziywa nguCarron Nicks ngoSeptemba 2017