Enye yale mihluko eyahlukileyo ingabonwa ngendlela isahluko ngasinye sisebenzisa ukukhululwa kwepropati, iinxalenye zomthetho kunye nomthetho wesigqeba ovumela umntu onetyala (ngokuchasene nenkampani okanye ubambiswano) ukukhusela ipropati ethile ukufikelela kwababolekisi okanye inkundla yebhanki.
Ukuqala kwendlela yokukhululwa kwemisebenzi ngokubanzi, yabona ukuXholwa kweeNgxowa-mali .
Isahluko 7
Iziganeko zeSahluko se-7 zibizwa ngokuba ziimeko ezigqityiweyo. Ukutshintshela ukukhutshwa kwetyala, umboleki uyavuma ukuyeka yonke loo propati ngaphandle kwesixa esithile esibiza ngokuba sikhululekile impahla. Umphathiswa otyunjwe yinkantolo yokubhankwa yinkcitho inomthwalo wokuthatha loo propati, ukuyihlawula (iguqule ibe yimali) kwaye usasaze imali kumbolekisi abanetyala. Ukuba umboleki uyinkampani, ayikho imbuyekezo. Endaweni yoko, yonke impahla yomnini-mboleki ichithwa kwaye isetyenziselwa ukuzuza abanokweleta.
Isahluko 11
Iziganeko zeSahluko 11 zibizwa ngokuba ziimeko zokulungiswa kwakhona. Esikhundleni sokuba umntu onetyala anike impahla, umboleki uyavunyelwa ukugcina loo propati, aqhubeke esebenza ishishini (ininzi iSahluko 11 ababoleki ngamashishini, nangona abanye abantu befayile nabo, ingakumbi ukuba banetyala elininzi okanye ixabiso elininzi), ngelixa lixoxisana nemimiselo emitsha kwityala layo.
Isahluko 13
Iziganeko zeSahluko 13 zibuye ziphinde zilungiswe kwakhona. Kwimeko yeSahluko 13, umboleki (uhlala ekhona, engazange abe yinkampani) uhlala kwipropati yakhe kwaye endaweni yoko usebenzisa imali engenayo ukuze enze iintlawulo kwixesha eliyiminyaka emithathu ukuya kwemihlanu. Ezi ntlawulo zisetyenziselwa ukuhlawula okanye ukuhlawula ityala.
Ezi ntlawulo zexesha elizayo zithatha indawo yokunikezelwa kwezinto ezinokuthi zenzeke kwiSahluko 7. Enyanisweni, abanye abanetyala baya kukhetha ukufaka ifowuni yeSahluko 13, nangona banokufanelekela iSahluko 7 sokuchithwa ngokuchanekileyo, ukwenzela ukuba banokukhusela impahla abayenayo ukuba mhlawumbi kufuneka bajikelele kwiTrasti yeSahluko 7 ukuba bathengise . Amaxesha amaninzi ezi zinto ziza kufaka impahla leyo umboleki ukuba ikholelwa ngelinye ilanga ukunyuka kwexabiso, njengama-share corporation okanye i-estate. Esikhundleni sokukunika kwi-Chapter 7 ye-trustee kwaye ekugqibeleni kubabolekisi, umboleki uya kukhetha ukwenza iintlawulo kwiminyaka emithathu ukuya kwemihlanu ukuhlawula ityala.
Uvavanyo oluPhambili lweMboleko "
KwiSahluko 11 kunye neSahluko 13, umboleki ucebisa icebo lokuhlawula, ukuhlawula okanye ukuhlawula abathengi . Ukuze iSahluko 11 okanye iSahluko 13 siphumelele, umboleki kufuneka athethe icebo lokuhlawula eliya kumshiya abathengi bakhe abangakhuselekanga kunokuba bafake isahluko sesi-7. Oku kubizwa ngokuba yi- "Interesting Best of Crediters" .
Khumbula ukuba ababolekisi abangabakhuseli babathengi abangenayo ibhokhwe abanokuyithengisa kwaye bafake isicelo kwityala ukuba umntu onetyala uyahluleka ukuhlawula.
Kubandakanya amakhadi ekhredithi, injongo yezonyango, iimali-mboleko kunye nabanye. Kuqukwa ukuba i-$ 20 ayizange uyibuyisele kuMalume Phil.
Umzekelo: Ukusebenzisa ukuxolelwa kwiSahluko 13
Nasi umzekelo wendlela uVavanyo oluPhambili oluMnandi kakhulu lwababoleki, ulinganisa iSahluko 7 kunye neCandelo 13.
I-Don Debtor ifayile ifayile yeSahluko 7. Emva kokuba asebenzise zonke iimpazamo azinelungelo, unayo iqoqo leemali ezixabisa i-$ 10,000 kunye nepeyinti yeoli exabisa i-$ 5.000. Isahluko 7 somphathiswa singathatha iqoqo leemali kunye nepeyinti yeoli, uthengise kwaye usebenzise intlawulo (emva kweendleko zokuthengiswa kunye nekhomishini yakhe) ukuhlawula inxalenye yetyala.
Masithi ukuba iindleko zokuthengisa kunye nekhomishana ye-trustee iya ku-$ 3,000. Okuya kushiya i-$ 12,000 ekhoyo ukuhlawula abathengi.
Ukuba uDon ufuna ukugcina iqoqo yemali kunye nokupenda kwesoyile, mhlawumbi ngenxa yokuba banomdla okanye ngenxa yokuba ukholelwa ukuba baya kunyuka kwixabiso lemali kwixesha elizayo, kufuneka aphakamise isicwangciso esiza kuhlawula abanetyala abaqinisekanga ubuncinane be-$ 12,000, isixa abaza kubafumana xa wafaka isahluko sesi-7. Ukuba akakwazi ukubonisa ukuba iSahluko 13 sakhe siza kuhlawula abo batyala imali ubuncinane, eso sicwangciso asiyi kuvunyelwa.
Nangona abatyala bengakhange baphendule ipropati yabo kwiSahluko 11 okanye kwiSahluko 13, ukuxolelwa kusekho kubaluleke njengokuba kunjalo kwiSahluko sesi-7 ekuxabiseni nasekuhanjisweni kweempahla kubathengi ukuba banelise ityala.
Ngolunye ulwazi malunga nokuxhaswa kweBhanki, qaphela
Ukuqonda ukuxoshwa kweBhanchrisy
Ukuxoshwa kwe-Federal Bankruptcy
Ukuhlaziywa nguCarron Nicks uAgasti 2017