I-Congress yadlulisa uVavanyo lweNdlela ukuphazamisa iSahluko sesi-7
Xa iCongress yagqiba ngo-2005 ukugqitywa kwemithetho ye-bankruptcy, bekuyiminyaka engaphezu kwe-25 ukususela ekubeni ubuninzi bekhowudi ye-bankruptcy babenemibono ebalulekileyo.
Ngo-2005, iCongress yayikhathazekile ukuba abantu abaninzi banokufakela iSahluko 7 sokuchithwa kunye nokukhupha amatyala abenako ukuhlawulela, ngaphandle kwe-bankruptcy okanye ngeSicwangciso seSahluko 13 sokubuyisela . Ukugqitywa kwaba yiNkqubo yokuLawulwa koTyhuselo lokuShatshazwa koTywala kunye noMthetho woKhuseleko kwabaThengi (i-BAPCPA efutshane). ICongress yakhiwe kwimimiselo emininzi eyenzelwe ukunciphisa abafowuni abangakwazi ukuhlawula iitalato zabo ezingaphephile, njengemithetho yeebhilidi zonyango, iimali-mboleko zemali kunye namanani ekhadi lamatyala. Enye yale miqathango kuba into esiyibiza ngokuba yindlela yokuvavanya.
Ubume bokuShatshazwa kwiSahluko 7
Uvavanyo lwendlela lusetyenziswe ukuba lubone ukuba unayo imali eseleyo ekupheleni kwenyanga onokuyenza ukuba uhlawule phantsi kwetyala lakho elingalondoloziwe. Ukuba wenza, ulindeleke ukuba ufake ifayile yeSahluko 13 sokuhlawula isibonelelo, okanye ungayifaki ifayile ye-bankruptcy.
Ukuba unqwenela ukuqhubela phambili neCandelo lesi-7 nantoni na, wenza njalo phantsi " kokunyanzeliswa kokuxhaphazwa ." Ukuzimela kukuba unako ukuhlawula ityala lakho elingaqinisekanga, kodwa ukhetha ukungabikho ngokufaka ifowuni yeSahluko 7. Oko, iCongress ibona, ingaba kukusetyenziswa kakubi kwenkqubo yokutshintshiselwa.
Ukubonakaliswa kobundlobongela akuthinteli ukuFaka iSahluko 7
Ukuba ukuxhatshazwa kokusetyenziswa kakubi kuvela phantsi kweendlela zokubala ukulinganisa, akuthethi ukuba "uphumelele" nantoni na. Kwaye, akuthethi ukuba awuvumelekanga ukufaka isahluko sesi-7. Nangona ukuhlolwa kwetyala kubonisa ukuba unemali engenayo ongayisebenzisela ukwenza iSahluko 13 sokuhlawula, kunokukho izizathu ezilungileyo zokuqhubeka kwakho phantsi kweSahluko 7. Inkundla ye-bankruptcy inengqiqo yokuvumela ukuba ityala liqhubeke, kodwa ngokuqhelekileyo kufuneka ukuba unikeze inkcazo ecacileyo yeemeko zakho ezikhethekileyo kunye namaxwebhu okuyibuyisela.
Iifom zokuVavanywa kweNdlela
Le fomu inokufumaneka kula manxibelelwano:
Isahluko 7 sithetha ukubalwa kovavanyo (Ifomu 122A-2)
I-Akhawunti Yonke Imali Yakho Evumelekileyo
Abantu bayadlula okanye bahluleke ukuvavanywa kwezilwanyana ngezizathu ezibini. Ingeniso yabo iphakamileyo kakhulu, okanye iindleko zabo azifanelekanga kwaye ziyimfuneko kubomi babo bentsapho. Ngako oko, kubalulekile ekubalweni kokuhlolwa kweendlela zokuba uchanekile kwaye uchanekile ekuboniseni indleko zakho ngendlela enokwenzeka.
Ifom yokuvavanya ityala ngokwayo ilungiselela ezinye iindleko ezingavamile. Nazi ezinye izibonelo:
- Ukufundiswa kunye nezinye iindleko zemfundo yabantwana bakho ukuba kufuneka uye esikolweni esikhethekileyo ngenxa yokuba ngumzimba okanye ingxaki yakhe engqondweni.
- Kwiindleko zonyango lwezempilo.
- Iinkonzo zoThungelwano, njengama-pagers, ukulinda umnxeba, i-ID yocingo, ibanga elide elide okanye inkonzo ye-intanethi kwizinga eliyimfuneko kwimpilo yakho nentlalo-ntle okanye yabathengi bakho.
- Iindleko zakho ezifanelekileyo neziyimfuneko ezihambelana nokunyamekela kwabalupheleyo, abagulayo okanye abangamalungu entsapho abakhubazekile.
- Iindleko zenyanga zenzelwe ukugcina ukhuseleko lwakho kwintsapho phantsi kwemithetho yombuso, njengoMthetho woLwaphulo loLwaphulo lweeNtsapho kunye neMisebenzi.
- Iindleko zamanzi zasekhaya ezigqithiseleyo.
Kwabanye abantu, ukubalwa kwezi zindleko ezingavamile kunokwaneleyo ukukususa "ekuphelelweni" kwikholam ye "pass".
Ukufakela iSahluko 7 ngaphantsi koPhulo lokuShatshazwa
Ukuba ufaka icala leSahluko 7 emva kokuxhatshazwa kokuxhatshazwa ngenxa yovavanyo lokuBaliswa koMvavanyo, i- trustee yakho okanye i- ofisi yeTrasti yase-US iya kubeka ingqalelo kwimeko yakho.
Ngaphantsi kwe-BAPCPA, unomthwalo wokubonisa ukuba awusebenzisi kakubi inkqubo yokubhankanya. Oku kudla ukuba ufuna ukubonisa ukuba unesimo esithile esikhethekileyo esenza ukuba wenze iindleko ongenakho okunye okufanelekileyo kodwa ukuhlawula.
Uza kuchaza iimeko zakho ezikhethekileyo kwifom yokuhlolwa kwetyala Ingxenye 4. Iindleko ezongezelelweyo zivame ukuvela kwezi zinto zilandelayo kwaye zingabonwa njengeendleko ezizodwa ezihambelanayo kwiinjongo zokuvavanya indlela. : I
- Iimeko zonyango ezinzulu
- Ukubizwa ngokuba ngumsebenzi wempi okhutheleyo
- Ukulahleka kwemisebenzi yakamuva, ukunciphisa iholo, ukuchithwa okanye umhlala phantsi
- Iindleko zomntu ongatshatanga naye, njengemithwalo yemboleko
- Ukuhlukana komtshato okanye ukuqhawula umtshato
- Ezinye iinkundla zifumene ukuba ukuboleka imali-mboleko yabafundi-engabhalwanga kwifom yokuhlolwa kweendlela-yimeko ekhethekileyo. Ezinye iinkundla zifikelele kwisiphetho esichaseneyo.
Ukuba iNkundla ayivumelani
Ukuba i- trustee okanye i- ofisi yeTrasti yase-US ayivumelani nesigqibo sakho sokuqhubeka phantsi kweSahluko 7, baya kufaka isikhalazo sokugxotha ityala lakho. Inkundla yebhanki iya kufuneka inqume ukuba kuyafaneleka yini ukuvumela ukuba ufumane ukukhutshwa kweSahluko 7. Ukuba inkundla ye-bankruptcy ayivumelani ukuba unikeze iimeko ezikhethekileyo, usenokhetho:
- unokuvumela ukuba icala lakho likhishwe kwaye ulinde de ukutshintsha isithombe sakho sezimali ukwenzela ukuba ungadlulisa ukuhlolwa kweendlela, okanye
- unokuguqula ityala lakho kwimeko yeSahluko 13 kwaye usethe isicwangciso sokuhlawula.
Ukuba ingeniso yakho yatshintshile kakhulu ngexesha lokubukeka kweenyanga-ezintandathu, ukulinda iinyanga ezimbalwa ukucoca unokuba yimpendulo. Kodwa khumbula kwakhona ukuba isicwangciso seSahluko 13 asifuni ukuba uhlawule i-100% yesikolo sakho esingaqinisekanga ngaphambi kokuba ukhutshwe. Unokukhetha iSahluko 7, kodwa iSahluko 13 ngeentlawulo eziphantsi kweminyaka emithathu ukuya kweyintlanu ingaba ngcono kunokungena naluphi na uncedo.