Kwiinkoliso ezininzi, ababolekisi abahlala kuzo kufuneka basebenzise ukuxolelwa okuchazwe yimithetho yabo, nangona ukuchithwa komthetho kulawulwa ngumthetho wesigqeba. Kwamanye amazwe, abanetyala banokukhetha phakathi kokukhululwa kwabo karhulumente kunye uluhlu oluhlukileyo lokuxolelwa oluqulethwe ngumthetho we-federal olawula i-bankruptcy, eyaziwa njenge-Coderuptcy Code. Amazwe angakhethayo afaka iAlaska, Arkansas, Connecticut, District of Columbia, iHawaii, eMassachusetts, eMichigan, eMinnesota, eNew Hampshire, eNew Jersey, eNew Mexico, ePennsylvania, e-Rhode Island, eTexas, eVermont, eWashington naseWisconsin.
Ukuba uhlala kwimeko echazwe apha, kufuneka usebenzise ukukhululwa kombuso. Unokufunda okungaphezulu malunga nokukhululwa kwakho kwimeko efanelekileyo yewebsite yezobume ezihlanganiswe nguNolo.com: Ukuxoshwa kweBhanki kwiRhulumente.
Ukuxoshwa kwe-Federal Bankruptcy
Nalu uluhlu lweempazamo zomthetho njengoko zifaka isicelo kwisithuba ngasinye.
Ukuba bobabini bomtshato bafayilile, ezi zixa ziphindwe kabini . Iimali eziluhlu lweempesheni zedolophu ziguquka yonke iminyaka emithathu, kwaye ziya kutshintshwa ngokulandelayo ngo-2019.
Ukuhlawulelwa kwezindlu : i-$ 23,675 ngokulingana.
Unokukhusela ubulungisa kumakhaya akho, kodwa kungekhona kwipropati yotyalomali okanye ikhaya lesibini.
Ungayisebenzisa le mxolelo kwilizwe elingenakuvunywa apho unenjongo yokuhlala kwikamva, Unokuyisebenzisa kwakhona kwikhaya elisekhaya elihlala kulo kwipropati eqeshiweyo. Ngokuqhelekileyo, ungayisebenzisa kuphela kwisakhiwo esisodwa kuba unokufumana ikhaya elilodwa kuphela. Nangona kunjalo, ukuba wena kunye neqabane lakho nifakela kunye, musa ukuhlala kunye, nihlale nemizi eyahlukeneyo kwaye (ngokukodwa enkundleni enye) ayenayo enye inxibelelaniso yezemali ngqo, omnye umlingane angafuna ukuhlala kwikhaya elilodwa ukuya kwisixa vumela umntu.
Isithuthi : i-$ 3,775 kwi-equity (enye imoto nganye)
Iigugu : i-$ 1,600
Impahla yasemakhaya: i-$ 12,625 (i-dollar 600 ubuninzi kwimpahla nganye)
Oku kusebenza kwimpahla yasemakhaya, impahla, izixhobo, izambatho, iincwadi, izilwanyana, izityalo kunye nezixhobo zomculo.
Izixhobo zorhwebo : $ 2,375
Izibonelelo zempilo : ukuxolelwa ngaphandle kokuxabisa
Ukungaxilanga i-inshorensi yobomi : ukuxolelwa ngaphandle kwexabiso
Iintlawulo ze-inshorensi yobomi: imali efunekayo ukuze kuxhaswe phantsi komgaqo-nkqubo owenziwe ngumntu onokuxhomekeke kuye
Ixabiso lentlawulo kwi-inshorensi yobomi : i-$ 12,625
Ukugcinwa kwekhaya : isixa esilungeleyo ukulungiselela inkxaso
Ukhuseleko loluntu, ukungabikho kwemisebenzi, inzuzo yezilwanyana, uncedo loluntu, ukukhubazeka : ukuxolelwa ngaphandle kokuxabisa
Amabhaso okwenzakala ngabanye :
- $ 23,675, ngaphandle kweentlungu kunye nokuxhatshazwa okanye ukulahleka kweponeyuni
- Ukulahlekelwa yimbuyekezo ezayo efunekayo ukuze kuxhaswe
- Igalelo lokufa okungalunganga komntu onokuxhomekeka kuye
Ukuhlawulelwa njengexhoba lobugebengu
IiAkhawunti zemihlala-phantsi : Iikhompyutheni zomhlala-phantsi ezihlawulwayo zihlawulwe ngaphandle kokujonga ixabiso, ngaphandle kokuba ii-IRA neeRoth IRAs zifakwe kwi $ 1,283,025.
Imfundo ye-IRA kunye neengxowa-mali zangaphambili zokuthenga izikolo : ukuxolelwa ngaphandle kwexabiso
I-Spendthrift ithemba : ukuxolelwa ngaphandle kwexabiso
Ukukhululwa kwe-Wildcard : i-$ 1,250, kunye ne-$ 11,850 yeyiphi na into yokukhululwa kwemakhaya ongayisebenzisiyo.
Ukukhululwa kwe-wildcard ingasetyenziswa ngeendlela ezahlukeneyo zokukhupha nayiphina impahla:
- Iimali, iibhanki zebhanki, izabelo kwiinkampani okanye ezinye iimali-mali, okanye ezinye ipropati kungenjalo kubalwe kuloluhlu.
- Ingasetyenziselwa ukwandisa inani lexabiso elikhutshwe kwipropati elixabisa ngaphezu kwecandelo elithile liya kuvumela.
- Ingasetyenziselwa ukukhulula izithuthi ezongezelelweyo.
- Ingasetyenziselwa ukukhulula ezinye zeentlobo zepropati sele zidweliswe, njengezinto zobungcweti okanye impahla yekhaya.
Ukuxoshwa kwe-Federal Non-Bankruptcy Exemptions
Kuyo yonke imimandla ebanzi yomthetho wesigqeba, ezinye iimpazamo zedolophu zingasetyenziswa ezisetyenziswa kwezinye iimeko ezingekho phantsi. Ezi zizathu zokungabikho phantsi kwee-bankruptcy ziyinxalenye enkulu ekukhutshweni kwe-féderal exemption, kwaye ngenxa yoko ayifumaneki ukusetyenziswa ngabantu ngabakhethiweyo ukuba basebenzise ukuxolelwa kwe-bankruptcy. Kubantu abathile belizwe abafuna ukusetyenziswa kwecwangciso lokuxolelwa, i-federal non-bankruptcy exemptions iyatholakala. Ukuze ufunde kabanzi malunga nalo, funda ukuxolelwa kwe-Federal Non-Bankruptcy Exemptions .
Ngezinye iinkcukacha malunga nendlela yokufaka isicelo sokukhutshwa kwee-bankruptcy, bona
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Ukukhululwa kwe-Non-bankruptcy Exemptions
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