Funda ngokubanzi malunga nokuhlala ngokuzenzekelayo kwi -Automatic Stay: Indlela Yokukhusela Ngayo Xa Ufakela i-Bankruptcy.
Ukusingatha iziTyala eziKhuselekileyo kwiNkundla yokuPhawula
Umatyala okhuselekileyo unetyala othe wathetha ngalo, njengemoto okanye indlu. Ukuba unetyala elidlulileyo ngenxa yemoto okanye iintlawulo zezindlu xa ufaka i-bankruptcy, kubalulekile ukuba uqonde ukuba i-bankruptcy ayikuniki uhambo olukhululekile kwi-matyala akho. Ukuba ufuna ukugcina umlenze, kufuneka uhlawule umboleki, ubuncinane ukuba yintoni into enokubambisa ngayo, kungakhathaliseki ukuba uyayifaka iSahluko 7 sokuchithwa ngqo , ityala leSahluko 13 sokuhlawula okanye iSahluko 11 sokulungiswa .
Kwimeko yeSahluko 7, ngaphandle kokuba unikezele i-collateral uya kukhulula inkokhelo yexabiso layo okanye uza kuphinda uqiniseke isivumelwano esasayinwe ekuqaleni. Ukuhlawulela umlondolozi, uhlawula umbolekisi inkokhelo yesigxina, ngokuqhelekileyo kwisinye isixa semali, kunokuba uqhubeke nekhontrakthi owasayina kuyo. Xa uqinisekisile isivumelwano, uyavuma ukuthabatha inkontileka ngaphandle kwenkqubo yokubhankqalaza kwaye ulahle ukukhutshwa kwelo tyala lithile.
Uya kuqhubekeka wenze iintlawulo phantsi kwesivumelwano sokuqala. Ukuba uyaphume ukwenza ezo ntlawulo, emva kokuba ityala lokubhankanya liphezu komboleki-mali lingakwazi ukuphinda liphinde liphinde liphinde liphinde likhanye ngenxa yokulahlekelwa kwemali emva kokuba imoto ithengiswe.
Kwimeko yeSahluko 13, uya kuqhubeka nokuhlawula ityala lakho elikhuselekileyo njengenxalenye yentlawulo oyenzayo enkundleni okanye ngqo kumbolekisi.
Ukufumana Ukuhlala Kwi-Automatic Stay
Ngamanye amaxesha, ngokukodwa kwimeko yeSahluko 13, umboleki uyayeka ukwenza iintlawulo kwi-matyala aqinisekileyo. Umboleki-mboleko uya kuba neengxaki ezingathandekiyo njengoko idilesi iyancipha kwixabiso xa kwakufuneka silinde de kube sekupheleni kweminyaka emithathu ukuya kweyesihlanu Isahluko 13 isicwangciso ngaphambi kokuba senze. Kunoko, ikhowudi ye-bankruptcy inika umboleki imali. Ingenza ifom ye-bankruptcy ifake isicelo sokuthi inkundla isuse i-othomathikhi kwaye ivumele ukuba ibuye ibuye ibuye ibuyele phambili.
Asiziboneli iziphakamiso ezininzi zokuphakamisa ukuhlala kwiSahluko 7 ngenxa yexesha elincinci iSahluko sesi-7 sivulekile-ngokuqhelekileyo singaphantsi kweenyanga ezintandathu. Kwimeko enjalo, ukuba awuyi kuhlawula iintlawulo zakho, umboleki wakho uya kukhetha ukulinda de ukuba ityala livaliwe, emva koko liza kukhululeka ukuba liphinde liphinde liphinde libuye.
Kwimeko yeSahluko 13, isithuthi sakho okanye intlawulo yendlu ingaba yinxalenye yesicwangciso sokuhlawula rhoqo ngenyanga okanye inokuhlawulwa ngqo kumntu-mboleko ngaphandle kwesicwangciso. Ngelishwa, akunzima ukufumana emva kweentlawulo zakho. Ngenxa yokuba isicwangciso seSahluko 13 sihlala kwiminyaka emithathu ukuya kweyintlanu, loo nto iya kuthi ilahlekelwe yimali ebalulekileyo phambi kokuphela kweso. Ukukhusela umdla wayo, umbolekisi angacela inkundla ukuba iphakamise ukuhlala ukuvumela ukuhlaziywa okanye ukuchithwa.
Ukuze uzuze kwisindululo, umbolekisi uza kubonisa inkundla ukuba awunalo ubulungisa kwinqatyana kwaye awudingi ukuba ube neCandelo 13 eliphumelelayo okanye ukulungiswa kwakhona kwetyala lakho.
Izivumelwano zokubamba kunye ne "Drop Dead" Amagatya
Nangona ufumana emva koxa usufihliweyo, usenokukwazi ukuphepha ukulahlekelwa yintlanzi yakho. Phantse njalo, umbolekisi uya kuba nemali ngakumbi kunokuba ayimpahla kwaye uya kukulungele ukusebenza kwintsebenzo ukuze ufumaneke. Kwiinkalo ezininzi, iinkundla ziya kumvumela umbolekisi kunye nomboleki ukuba angene kwisivumelwano esine-shedyuli yeentlawulo ezenzelwe ukuzisa i-akhawunti yangoku. Iinyanga ezintathu ukuya ezintandathu zixesha eliqhelekileyo. Olu hlobo lwesivumelwano luya kuhlala luhlala luqulethe "ukufa okudlulileyo" ukuba ukuhlala ngokuzenzekelayo kuya kutshatyalaliswa okanye kuphakanyiswe ngokuzenzekelayo xa ungaphumeleli ukwenza iintlawulo okanye ubeke enye into ekubambisene nayo engozini, njengokuba uvumela i-inshurensi ukuba iphelelwe.
Ngaloo ndlela, umboleki-mali uya kuba nako ukuphinda aphinde aphinde aphinde aphinde aphephe ngaphandle kokufakela enye inkqubela.
Ngelo xesha "loo mithetho evunyelweneyo" ingaba ngumsindisi wokuba ukhululekile ukufumana umyalelo wokubuyisela ixesha elifutshane, imali efunyanisiweyo iya kubandakanya iindleko umbolekisi azenzile ukuzisa isikhalazo, kuquka neendleko zommeli kunye neendleko zeenkundla, ezinokuzongeza imali engama-$ 1,000 ukuya yintoni o netyala.
Ukufumana okungakumbi malunga nendlela othomathizayo usebenza ngayo kwimeko yokwabhankqalaza, yabona
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