Funda kabanzi malunga nayo kwi: I-Automatic Stay: Indlela Yokukhusela Ngayo Xa Ufakela i-Bankruptcy
Phantse yonke inkundla kunye nentetho yenkundla ekulindelekileyo xa ufaka i-bankruptcy iya kumisa, ubuncinane okwethutyana. Ngokuxhomekeke kuhlobo lomgwebo, umbolekisi angacela inkundla yebhanki imvume yokuqhubeka. Ngokubanzi, ukuba isifundo salo sichaphazela impahla yakho okanye imali yakho, inkundla yebhanki iya kuthatha inzala kwaye ayiyi kuvumela ukuba iqhube phambili. Ukuba umgwebo awunakwenzeka ukuba ube nempembelelo enkulu kwiimpahla zakho, inkundla iya ku vumela ukuba iqhubeke.
Amacala omthetho kwiKhadi leMatyala, iMali-mboleko yabantu, iMboleko elondekileyo kunye nezinye iintlobo zematyala
Ukuba yinto nje ityala phezu kwetyala eliza kukhishwa kwi-bankruptcy, inkundla ayiyi kunika imvume yokuqhubeka. Akuyi kubakho nantoni na ukuba ityala liya kukhutshwa kwi-case case. Kodwa, ukuba isigwebo singasikhokelela ekumagqityeni ukuba ityala linye liza kukhishwa , inkundla yebhanki iya kuvumela ukuba i-civil lawsuit iqhubeke okanye amaqela aya kususa isigwebo kwinkundla ye-bankruptcy.
Oku kungabandakanya umgwebo obonisa ukuba wenze ubuqhetseba, okanye isigwebo esinokuthi isigqibo sokuba ngaba ukuqhuba ukutshayela kwakho kubangele ukuphazamiseka (jonga ngezantsi).
Imiba Yenkundla Yentsapho
Nangona akufuneki ngokukodwa phantsi kweKhowudi yeBhanki, iinkundla ezininzi zomthetho zentsapho ziya kumisa umtshato okanye ukugcinwa komntwana kuze kube yilapho elinye iqela lifumana "umyalelo wenduduzo," isigwebo esivela kwijaji yokutshatyalaliswa ukuba inqabile ukuqhubeka kwinkundla yentsapho.
Ijaji yenkundla yentsapho ifuna umyalelo wokuthuthuzela ukuqinisekisa ukuba amaqela angaphuli umthetho we-federal. I-Coderupt Bankrupt ivumela ukuba iindidi zentsapho zamatyala enkundla ziqhubeke nangona i-bankruptcy kuba inomdla okanye inomdla nokuba ngaba amaqela ahlukanisa okanye abagcina abantwana.
Ukuba, nangona kunjalo, isigwebo senkundla yentsapho siza kubandakanya indawo yokuhlala, inkundla nganye yebhanki iya kufuna ukuba imimiselo yohlawulelo ibe yinkampu yerabha yinkantolo yebhanki ngaphambi kokuba ibe yinto yokugqibela kwintendelezo yenkundla. Oku kungenxa yokuba ulawulo lwe-bankruptcy lufakela kuyo yonke indawo yepropati, engenakudluliselwa ngaphandle kwemvume yenkundla.
Eminye imibandela yenkundla yentsapho enokuqhubeka iquka izenzo okanye izigwebo
- ukusetha, ukuguqula okanye ukuqokelela inkxaso yabantwana kunye ne-alimony emva kokuba ityala le-bankruptcy lifakwe
- ukumisela ukugcinwa kwabantwana kunye nokuvakashelwa
- ukukhusela umlingane okanye umntwana ekukhuselweni kwekhaya
- uthinte imali yokubuyisela irhafu ukuhlawula ngokudlulileyo ngenxa yokuxhasa abantwana
- ukumisa okanye ukuvalela iilayisenisi zabaqhubi okanye zezakhono ngenxa yokudlulela kwenkxaso yabantwana
Iinkcukacha zeNkundla zoLwaphulo
Ngamanye amaxesha, ukuqhutyelwa kolwaphulo-mthetho kubandakanya zombini icandelo lobugebengu kunye necandelo lemali.
Ngokomzekelo, ukuhlawulwa kwentlawulo engalunganga kunokubangela ukuhlwaywa ngokuphula umthetho kunye nomyalelo wokuba wenze kakuhle kwisheke. Ukuba ulwaphulo-mthetho luyakwazi ukwahlukana, i-Code Bankruptcy iya kuvumela ukuba isenzo solwaphulo-mthetho siqhubeke ngaphandle kokufuna ukuba umshushisi afake isikhalazo sokunceda ekuphumeni ngokuzenzekelayo. Ngokubhekiselele kwicandelo lezemali, ukuhlala ngokuzenzekelayo kusebenza, kwaye umtshutshisi okanye umqhubi wekhenkethi kufuneka ukuba afake isikhalazo ukuba aqhubeke okanye aqalise isenzo kwinkundla yelizwe kwisheke. Noko ke, mhlawumbi, umbolekisi uza kuzisa umgwebo ngaphakathi kwe-bankruptcy ngokwayo (ebizwa ngokuba ngumtshutshisi oqhubekayo ) ukugqiba ukuba ityala elibangelwa kwisheke elibi liye lakhutshwa kwi-bankruptcy .
Inkundla yehlwayo kunye nezohlwayo kunye nokubuyiselwa kwezobugebengu nazo azihlawulwanga kwimeko yoluleko .
Ezinye iinkundla zebhanki zithatha isikhundla sokuba amagunya afanele afake isikhalazo sokuphakamisa ukuhlala enkundleni yebhanki ngaphambi kokumisela oku, kodwa ezinye iinkundla ziya kuvumela ukuba izenzo ziqhubeke ngaphandle kokuhlala ngokuzenzekelayo.
Iimangalo Zobungozi Bakho
Amanye amabango okulimala ayenziwayo akhuphekanga kwi-bankruptcy . Ikhowudi yeBhanchcycy ibhekisela ngqo kwiimali ezivela xa umntu eqhuba isithuthi ngelixa exiliswe. Iingxowa ezibangelwa ukulimala komnqweno kunye nokulimala komnye okanye kwipropati yomnye azikhutshwa. Ngokuqhelekileyo, inkundla ze-bankruptcy ziza kuvumela ukuba inkundla yamatyala karhulumente iqhubeke, emva kokuba amaqela afake isicelo sokukhutshwa kwesixa sokuhlala, ukuba isigwebo singabangela isigqibo sokuba inkokhelo ayiyi kukhishwa kwi-bankruptcy.
Iziganeko ezinxulumene nazo zijongana nokuba umboleki wenza ubuqhetseba ukuze athole imali . Ukuba umgwebo kunye nenxalenye yokukhwabanisa kulindelekile xa i-bankruptcy ifakwe, inkundla ye-bankruptcy ingavumela ukuba loo mthetho uqhubeke, kodwa kuya kubakho ukuba amaqela afake isikhalazo sokuncedisa ukuhlala ngaphambi kokuba kwenzeke.
IiNkcazo zeNtshurensi kunye neNgeniso
Ukuba unetyala okanye unalo ibango elifakwe kuwe ngenxa yengozi yemoto okanye enye ityala lokulimala, ummangalelwa kufuneka afune imvume kwi-court of bankruptcy ukuba aqhube ibango le-inshurensi. Inkundla ezininzi zebhanki ziza kuvumela ezi ntlobo zamatyala ukuba ziqhube phambili ukuba umboleki-mali uyavuma ukunciphisa ukubuyiswa kwayo kwimali engayifumana kwi-inshorensi.
Ukuqonda indlela ukuhlala ngokuzenzekelayo kunokuchaphazela ukukhutshwa, funda:
Ukususa i-Bankruptcy's Automatic Stay: Izixhobo kunye neRhafu
Funda kabanzi malunga nendlela u-othomathiki ehlala ngayo ekusebenziseni ukutyunjwa:
I-Automatic Stay: Indlela Yokukhusela Ngayo Xa Ufakela i-Bankruptcy
Ukususa i-Bankruptcy's Automatic Stay: Isingeniso
Amalungelo akho Xa umgcini weCreditor uchitha i-Automatic Stay