Isahluko 7 sihamba ngokukhawuleza, kulula kwaye ngokuqhelekileyo sithengwa.
Isahluko 7 kwiNtsholongwane
Okokuqala, makhe sithethe malunga neSahluko 13 asikho. Akunjalo icala leSahluko 7 , okanye yintoni ocinga ngayo ngecala lokungcebeleka. Ngokuqhelekileyo kuthiwa yi-bankruptcy ecacileyo, kwiSahluko 7 uvumelekile ukukhusela ezinye zepropati yakho, kodwa nayiphina impahla engabikhoyo yokuya kwi-trustee ye-bankruptcy eyayithengisayo yona yabela imali yabathengi. Le nkqubo ihlala ithatha iinyanga ezine ukuya ezintandathu.
Isahluko 13 kwiNgqungquthela
Uhlobo olulodwa lwe-bankruptcy lubizwa ngokuba yiSahluko 13. Kwimeko yeSahluko 13, uya kuhlawulwa rhoqo ngenyanga kwi-trustee oza kubasalela ezo ntlawulo kubathengi bakho. Esi sicwangciso sokuhlawula siya kuhlala kwisithathu ukuya kwiminyaka emihlanu.
Kutheni Ufake Isahluko 13?
Kukho izizathu ezininzi zokufaka ifayile yeSahluko 13. Uninzi lwabantu abafake iSahluko 13 mhlawumbi benjenjalo kuba benza imali eninzi ukuze bafanele iSahluko 7 ukuchithwa ngqo , okanye ngenxa yokuba bafuna isicwangciso seNtlawulo yeSahluko 13 sokuzisa ikhefu labo elidlulileyo ngenxa yokuhlawulwa kwemali, imoto, inkxaso yabantwana okanye irhafu.
Isahluko 13 singaba ngumsindisi kubantu abazinikezele ukwenza impumelelo. Iimeko zeSahluko 13, nangona kunjalo, akulula ukuhlala nazo. Ezinye iziphumo zibonisa ukuba ngaphantsi kweyesithathu kwabantu abafake iifayile ekugqibeleni bazalise. Kodwa, ukwazi oko kukulindela ngenye yezona zinto zibaluleke kakhulu ekuzilungiseleleni ukuba uphumelele.
Nazi ezinye zeziganeko zobomi kwiSahluko 13:
- Ubude beSicwangciso
Isiganeko sakho seSahluko 13 siya kuhlala ubuncinane iminyaka emithathu emide, kwaye sinokuhlala ixesha elide kwiminyaka emihlanu.
Iminyaka emithathu lide ixesha elide. Kungabonakali ixesha elide, kodwa izinto ezininzi zinokwenzeka. Utshintsho lukaYobhi, iintsana ezitsha, imiba yezonyango, ukulungiswa kwemoto. Olunye uguquko luyakhiwa kwiiplani zokuhlawula kunye nebhajethi ukuze ilandele i-akhawunti engalindelekanga, kodwa kunzima nakwabagcini be-bankruptcy abanamava kunye neSahluko 13 se-trustees ukuphendula i-akhawunti yonke into enokwenzeka.
Ngenxa yokuba iSahluko 13 sixininisa ngemali kubantu abaninzi, bayakufumana kunzima ukugcina intshiseko yabo phezu kwexesha elide. Basenokugqiba isigqibo sokuba ukugcina indlu okanye imoto yokuguga ayifanelekanga umbingelelo oluyimfuneko ukugcina iintlawulo.
Ungazi ngeenyanga emva kokuba ityala lakho lifakwe xa iintlawulo zakho zophuhliso ezicetywayo ziyamkeleka kwiNkundla yeBhanki neSahluko 13 iTrasti. Umphathiswa uya kuqinisekisa ingeniso yakho kwaye uqinisekise ukuba iindleko zakho aziphezulu kakhulu. Kuthatha inyanga eziliqela kubathengi ukuba bafake izicelo zamabango kunye nabo bonke abadlali ukuba bahlole ezo zibango. Ukuba awuvumelani nebango, ijaji elijongene nelokuba lifanele ligqibe isigqibo.
Le nkqubo ingathatha inyanga eziliqela ukugqiba.
- Abantu Baza Kufunda Ukuba Ufake I-Bankruptcy
Ukutshintshwa kwe-bankruptcy akusayi kuthwala isikhalazo esake senze. Abantu abaninzi - malunga neyoku-1 kwi-10 - baye bafaka intsalela kwiminyaka engama-40 edlulileyo. Cinga ngexesha elizayo xa uhlala kwintlanganiso, esontweni okanye uyala i-latte e-Starbucks, okanye nayiphi na indawo abantu abaqokelela kuyo.
Nangona manani amaninzi, abantu abafuni ukuba basasaze ukuba bafaka ityala le-bankruptcy. Wonke umntu uhlonipha loo nkxalabo, kodwa inyaniso yokuba amatyala e-bankruptcy amarekhodi karhulumente. Ngakolunye uhlangothi, ngaphandle kokuba unesizathu sokubheka, uninzi lwabantu aluyi kuphinda lufunde ngetyala lakho.
Kukho ukungafani, nangona kunjalo. Uninzi lweSahluko 13 i-trustees ludinga ukuba wenze iintlawulo zakho ngokuchithwa kwemali. I-trustee izothumela ifom kumqeshi wakho ekumiseni loo mali.
Ukuba uvakalelwa ngamandla ukuba ekuncitshweni kwemivuzo kuya kwenza izinto zibe nzima kuwe emsebenzini, ungafaka ifom ecela ukuba inkundla ikuvumele ukuba uhlawule ngqo umphathiswa. Iinkundla aziyi kuvumela intlawulo ngqo ngaphandle kokuba ungabonakalisa ukuba uya kuba sengozini yokulahlekelwa ngumsebenzi wakho, ukuchithwa, ukulahlekelwa imvume yokukhusela okanye ukukhathazeka ngenye imiphumo embi.
Ngaphandle komqeshi wakho, abanye banokufunda malunga necala lakho ngenxa yezaziso zonke inkundla yokubhankqalaza kufuneka ithumele kubathengi . Ukuba ngababolekisi bakho baquka intsapho okanye abahlobo, baya kufumana isaziso baze bazi ukuba lakho ityala. Ngokufanayo, inkundla izothumela isaziso senkundla yakho yebhanki kubani na ababhaliswene nabo kunye nawaphi na amatyala okanye i-akhawunti yakho.
- Ngoxa usesikweni kwiSahluko 13, usenakho ukuhlawula iiBill zakho
Ukongeza kwiintlawulo zakho zeSahluko 13, kuya kufuneka ugcine ngoku ngokukhoyo kwindlu yakho okanye inkokhelo yemoto (ukuba ayifakiwe kwisicwangciso seSahluko 13 sokuhlawula), inkxaso yenkxaso yabantwana kunye ne-alimony, iirhafu zepropati, i-inshurensi nezinye iindleko onokuzenza bekunzima ukuhlawula kwixesha elidlulileyo. Ukuba unayo emva kweentlawulo zakho zetyala ngenxa yokuba ungaphandle komsebenzi okanye ube nokunciphisa kwinzuzo, kunokuba nzima kakhulu ukuba uqale ukwenza loo ntlawulo yendlu, imoto okanye inkxaso yabantwana kwakhona.
Ukuba ufumana emva kwendlu yakho okanye kwiimoto zentlawulo ngelixa usesikweni seSahluko 13, umboleki-mboleko unokufaka ifom yeNkundla ukuba icele imvume yokubeka ingqungquthela indlu yokubolekwa kwempahla okanye ukubuyisela isithuthi. Oku kubizwa ngokuba yi- Motion ukuphakamisa ukuhlala okanye Isizathu sokunceda ekuphumeni.
Ukuba usemva kwenkxaso yakho yomntwana okanye iintlawulo ze-alimony xa ufikelela ekupheleni kwesicwangciso sakho sokuhlawula, inkundla ayiyi kukukhupha.
Kwaye, akunjalo, abantu. Ukufumana izinto ezininzi zokucinga ngaphambi kokuba ufake iSahluko 13, tyelela: Ukuphila kunye neSahluko 13, Icandelo 2 .