Xa i-othomathikhi ehleliyo isendaweni, umbolekisi ulawulwa yinkantolo yenkundla yebhanki. Oku kuthetha ukuba umbolekisi akakwazi ukuthatha izinyathelo ezingavunyelwe ngaphandle kokufumana imvume evela kumgwebi we-bankruptcy. Ukuze ufumane le mvume, umbolekisi kufuneka afake isikhalazo enkundleni ebizwa ngokuba yiSigqibo sokuPhakamisa i-Stay or Motion for Relief from Stay.
Kutheni umCreditor ufuna ukuphakamisa i-Automatic Stay?
Kukho izizathu ezininzi ukuba umboleki angafuna ukuhlala ephakanyisiwe. Ngamanye amaxesha, isenzo umbolekisi afuna ukuthatha sinanto encinci okanye akukho nto enokuyenza ngayo nge-bankruptcy, njengesigwebo sokuqinisekisa ukugcinwa kwabantwana okanye ukulandela ibango kwi-inshurensi yakho xa ubangela ukulimala kumntu okanye kwipropati. Ngamanye amaxesha, isenzo sinakho konke ukukwenza ngepropati yakho. Ngokomzekelo, xa ufumana emva kwerenti, inkxaso yenkxaso yemali, umboleko wemoto, okanye umboleko.
Ukuba isigwebo sisalindele kwenye inkundla, umzekelo isafu phezu kwengozi yemoto, nokuba wena okanye umchasi wakho uya kufaka isikhalazo enkundleni yebhanki kwaye uchaze ukuba ijaji lini na ukuba inkundla kufuneka iqhubeke kwenye inkundla.
Kutheni iNkundla yeNgxowa-mali ingavumela uMgcini-mali ukuba athathe isenzo naphezu kokuhlala ngokuzenzekelayo?
Ikhowudi ye-Bankruptcy ayivumeli abantu abanamatyala ukuba balawule ukungazihoxisi onke amatyala kunye neemfanelo. Ezinye izibophelelo ziya kusinda kwi-bankruptcy okanye ziqhubeke nangona i-bankruptcy. Inkundla yebhanki iya kuphakamisa ukuzenzekela ngokuzenzekelayo ukwenzela ukuba avumele ukuba amatyala enkundla aqhubeke aya kuba neyona nto okanye ayinakuchukumisa kwi-bankruptcy okanye avumele ababolekisi ukuba bafumane i-collateral xa umboleki engenzi iintlawulo ezifanelekileyo, uvumela i-inshorensi ukuba ilahleke okanye ngenye indlela ilahleka ngokwemiqathango yemboleko.
Ukuphakamisa ukuzenzekela ngokuzenzekelayo kuyinkxalabo enzulu, enye ye-Code Bankruptcy kunye neenkundla azithatha kalula. Ngenxa yoko, umboleki-mboleko unesithintelo esikhulu sokunqoba ukuze afakazele ukuba umbolekisi unelungelo lokufumana uncedo oluqhelekileyo kwaye umbolekisi akanako ukwaneliseka nayiphi na indlela.
Inkqubo yokuFaka isiXhosa sokuNcedisa ukuHlala
Okokuqala, qondana ukuba ababolekisi baya kufuna ukuba igqwetha lifake isikhalazo sokukhutshwa kokuhlala. Ababolekisi bemibutho baya kuhlala befuna igqwetha ukuba lifake isikhalazo.
Ikhowudi ye-Bankruptcy izama ukwenza inkqubo ehamba phambili ibenzileyo kubathengi, kodwa iyalungelelanisa kubabolekisi. Imithetho elawula iimeko zengxowankulu zinikezela ukuba emva kokufakwe kwesikhalazo, inkundla kufuneka ibambe intetho yokuqala ngaphambi kokunyuswa zingadlulanga iintsuku ezingama-30. Xa umboleki-mali efuna ukufumana i-collateral njengemoto, kwaye ukholelwa ukuba ukubaluleka kokubambisa kusemngciphekweni (xa i-inshorensi iphela, umzekelo), umbolekisi uza kucela inkundla ukuba ibambe inkundla ngexesha elihambileyo.
Xa injongo yesikhalazo sokuncediswa ekuphumeni kukuqinisekisa ukukhusela, umbolekisi kufuneka abonise ukuba unelungelo lokufumana isihlomelo ekuphumeni kwesinye sezizathu ezibini:
- Ngokuba "isizathu" kubandakanya ukungabi nokhuseleko olufanelekileyo kwipropati. Ngamanye amazwi, ukuba ixabiso lepropati liyancipha kangangokuthi umbolekisi angalahlekelwa yimali xa kuthengiswa. Ezinye izizathu "zokubangela" kungabikho kwintengiso yomshuwalense, ukungaphumeleli ukuhlawula irhafu yomntu okanye yintlawulo yepropati, umntu ongenalutyala okanye ilungu losapho uqhuba imoto, loo propati ayinalutho okanye ishiyiwe, okanye nayiphi na into kubangela ukuhla kwexabiso okanye ukubeka indawo yokubambisa kwingozi.
- Umboleki akanakho ukulingana kwipropati kunye nepropati ayimfuneko ukulungiswa ngokufanelekileyo. Ngamanye amagama, umbolekisi kufuneka abonise ubungakanani bendawo kunye nemali ebhalisiweyo, kwaye aqinisekise ukuba loo propati ayimfuneko ukuba umntu onetyala aphumelele iSahluko 11 okanye i-13. Kungenxa yokuba iSahluko 7 asibandakanyi ukulungiswa kwakhona njengalokhu, lesi siqendu asiyi kusebenza.
Unokufunda okungakumbi malunga nokususwa kwe-othomathiki kwiimeko ezithile xa u tyelela amanqaku alandelayo:
Ukususa i-Bankruptcy's Automatic Stay: ii-Lawsuits kunye ne-inshurensi zamabango
Ukususa i-Bankruptcy's Automatic Stay: Izixhobo kunye neRhafu
Xa umCreditor uchitha i-Automatic Stay
Ngelishwa, ngamanye amaxesha umboleki uya kuthatha isenzo esiphula ukuhlala ngaphandle kokuqala ukuhambisa isikhalazo enkundleni. Xa oko kwenzeka, umboleki-mali unokungaxhomekeke kwizohlwayo, ezibandakanya ukuhlawula umonakalo kumntu onetyala kwaye abuyisele ipropati okanye ipropati echanekileyo. Ukufumana okungakumbi oku, tyelela amaLungelo akho xa umCreditor uhlambala i-Automatic Stay .
Ixesha elide lihlala njani lokugqibela?
Ukuhlala ngokuzenzekelayo kuqhubeka kuphela nje kuphela xa i-bankruptcy ihlala. Ukuba icala liyaxothwa ukuhlala ngokuzenzekelayo kuya kupheliswa. Kwimeko yeSahluko 7, ukuhlala kuphelelwa yisikhathi malunga nokubambisa ngemali mboleko emva kweentsuku ezingama-30 emva komhla weentlanganiso zabathengi. Oku kusebenza kuphela kumalungelo omboleki ukuba athathe ipropati. Akuchaphazeli ukuzenzekela ngokuzenzekelayo kumntu onetyala. Jonga ngakumbi kwiNgxelo yeBhanki yeNgcaciso .
Ukuze ufunde okungakumbi malunga nokuhlala okusebenzayo kwaye xa kuphelelwa yisikhathi, jonga ixesha elide loKhuseleko oluKhuselekileyo?
Ukuhlaziywa ngoJuni 2017 uCarron Nicks