Ukujongana nomthwalo onzima wetyala kungabangela umthwalo, ngakumbi xa kukho iindlebe ezininzi malunga ne-bankruptcy. Kodwa kufuneka uthuthuzele ukuba i-bankruptcy (enikezelwa kuMgaqo-siseko) ikhona kubantu abasesikhundleni sakho kuphela.
Okokuqala, faka iinkxalabo zakho ukuphumla ngokufumana ulwazi olungakumbi malunga neSahluko 13 neSahluko 7 . Ngoku, makhe sihlolisise indlela ukuchithwa kwebhanki kukuchaphazela njani umsebenzi wakho .
Mhlawumbi uyayikhumbula lo mbuzo kwisicelo sakho somsebenzi: "Ngaba unakho ukufaka imali ebhange?" Usenokuzibuza ukuba kutheni bangabuza umbuzo onjalo ukuba bengayisebenzisi loo ngcaciso kwimisebenzi yabo yokuqeshisa kunye nokukhwela. Ixesha elide kunye elifutshane kukuba kukho iimeko apho i-bankruptcy ingaba nempembelelo kwingqesho nakwezinye iimeko apho kungengobangela kwaye kungabandlululwa.
Umqeshi Wakho Ngaba Umlilo Wakho Ngaba Ungawufaka Umlilo Xa Ufaka Ifowuni Yenkqantosi?
Ngelinye igama, "cha." Umqeshi wakho akakwazi ukutshisa nje ngenxa yokuba ufaka i-bankruptcy. Ikhowudi ye-bankruptcy, engumthetho wesigqeba kwaye iqulethe ininzi yemithetho echaphazela ityala le-bankrupt kuleli lizwe, inelungiselelo elinqabela ukhetho phakathi kweemeko eziquka umsebenzi.
Icandelo 525 lithi:
(a). . iyunithi karhulumente ayinakuphika, ukurhoxisa, ukurhoxisa okanye ukwenqaba ukuvuselela ilayisenisi, imvume, i-charter, i-franchise, okanye esinye isibonelelo esifanayo, imeko enjalo, ukuxhatshazwa ngokumalunga nesibonelelo esinjalo, ukukhanyela umsebenzi, ukuphelisa umsebenzi, okanye ukubandlulula ngokubhekiselele kumsebenzi onxamnye nomsebenzi, umntu oye waba netyala phantsi kwesi sihloko okanye umntu otyhafisayo okanye onetyala phantsi koMthetho weBhanki, okanye omnye umntu onokubhathaka okanye umboleki, ngenxa yokuba loo ntlawulo okanye umntu obolekileyo okanye ubenetyala phantsi kwesi sihloko okanye umntu oswele okanye obolekileyo phantsi koMthetho we-Bankruptcy, uye wachithwa ngaphambi kokuba kuqalwe ityala phantsi kwesi sihloko, okanye ngethuba kodwa phambi kokuba umboleki anikwe okanye anqatshelwe ukukhutshwa, okanye akakhokhelwa ityala elikhutshwayo kwimeko phantsi kwesi sihloko okanye ekhutshwe phantsi koMthetho weBhanki.
(b) Akukho mqeshi wangasese onokuthi aphelise umsebenzi, okanye achasene nokubhekiselele kwingqesho, umntu onalo okanye obenetyala phantsi kwesi sihloko, umboleki okanye ephawulwe phantsi koMthetho we-Bankruptcy, okanye umntu odibene naloo matyala okanye ukuphawulwa, ngenxa yokuba umntu onetyala okanye
Ingaba okanye ubenetyala phantsi kwesi sihloko okanye ityala okanye ephawulwe phantsi koMthetho weBhanki;
Kuye kwagqitywa ngaphambi kokuqala kwecala phantsi kwesi sihloko okanye ngelo xesha kodwa phambi kwesibonelelo okanye ukuphika ukukhutshwa; okanye
Akakhokhelwa ityala elikhutshwayo kwimeko phantsi kwesi sihloko okanye ekhutshwe phantsi koMthetho weBhanki.
Ngokucacileyo, ikhowudi ye-bankruptcy iyasitshela ukuba xa uqeshiwe, akukho karhulumente okanye abaqeshi abazimeleyo bavunyelwe ukubandlulula ngenxa yokuba ufake ityala le-bankruptcy. Ukutshatyalaliswa akunakukuphela kwesizathu sokuthi ugxothwe, ugxothwe, unqatshelwe ibhonasi, ugxothwe, ugxeka, okanye ulungelelaniswe ngenye indlela.
Umba awukho kakhulu ukuba umqeshi angayicaluli. Kungakhathaliseki ukuba umntu ojongene nesenzo angabonisa ukuba isenzo somqeshi siphumo esicacileyo sokufakela i-bankruptcy. Kukho naziphi na izizathu zomqeshi onokuzipheka ukuze afune ukudubula umqeshwa. Emazweni asebenza ngokufanelekileyo, umqeshi unokutshisa umqeshwa malunga nesizathu okanye kungekho sizathu.
Nangona ikhowudi ye-bankruptcy evimbela umqeshi ekucaluleni umsebenzi ngenxa yokutsalwa kwebhanki yedwa, akukho nto evimbela umqeshi ekwenzeni izigqibo zengqesho ngokusekelwe kwiimeko ezikhokelela ekufakeni i-case bankruptcy.
Ngokomzekelo, usenokuba neenyanga okanye iminyaka yeengxabano zemali phambi kokuba ugqiba ekubeni uqale ukuqala ngokuchithwa. Ingxelo yakho yekhredithi ingabonisa ukuba abantu abaninzi bahlawule, bahlawule, bahlawule, kunye namacala okugweba. Le ngcaciso ingaba nomdla kakhulu kumqeshi ukuba usebenza emsebenzini onoxanduva lokuphatha imali.
Umqeshi wakho akanako ukukwazi ukusebenzisa i-bankruptcy njengesizathu sokuthatha isenzo kuwe, kodwa yonke imbali yakho yekhredithi iyigugu kwaye iyafumaneka kumqeshi owenza rhoqo ityala lijonga imeko yokuqhubeka kwengqesho.
Ingaba Umqeshi Ungakuxabela Umsebenzi ngenxa yeNgxowa-mali?
Kukho i-glitch ezithakazelisayo kwiCandelo 525 apho abaninzi abantu bengaboni. Icandelo 525 lijongene nocalucalulo nguRhulumente kunye nabaqeshi abazimeleyo, kodwa alusebenzi umgangatho ofanayo kubo bobabini. Icandelo 525 (a), icandelo likarhulumente wengqesho, liyakwenqabela ukucalulwa kuzo zonke iinkalo zobudlelwane karhulumente-abasebenzi. Urhulumente akakwazi, ufundeka, "ukukhanyela umsebenzi, ukuphelisa umsebenzi, okanye ukubandlulula ngokumalunga nomsebenzi onxamnye nomntu" oye wafaka ityala le-bankruptcy.
(11. USC ยง 525 (a).)
Ikhowudi idibanisa abaqeshi abazimeleyo kwiCandelo 525 (b). Lo mhlathi ohlukeneyo awubandakanyi ibinzana elithi "khanyela umsebenzi". Inani leenkundla zijonge le ngxaki. Uninzi, kodwa kungekhona bonke, baye babamba ukuba iCongress kufuneka ishiye ibinzana ngenjongo. Ngenxa yoko, abaqeshi abazimeleyo abavumelekanga ukuba basebenzise i-bankruptcy njengesiseko sokwenqaba umsebenzi kumboleki.
Awukwazi ukukhangela umsebenzi ngoku, kodwa ukuba ufuna ixesha elizayo, mhlawumbi uya kufumana lo mbuzo wesantya kwisicelo sakho sengqesho, "Ngaba uye wafaka ityala le-bankruptcy?" Umele uphendule inyaniso. Akuthethi ukuba uthetha ngokuzenzekelayo ekusebenzeni komsebenzi, kodwa ukuba uqeshwe kwaye umqeshi wakho ufunda ukuba awukho inyaniso kwisicelo sakho, uya kukhishwa.
Kwakhona, gcinani engqondweni ukuba ukuba usebenzela inkampani yabasebenzi ababonelela abasebenzi kwiinkonzo zonyango kunye nabasemagunyeni, inkokhelo ye-bankruptcy ayiyi kunika ukhuseleko kwinkqubo yokuqeshisa, kodwa iya kukukhusela xa usuhlawula umvuzo.
Ngaba Ukufakela i-Bankruptcy kuyakuphazamisa iiLayisenisi zakho zoLwazi?
Kusenokwenzeka ukuba uye wachitha iminyaka esikolweni ulungiselela umsebenzi okhethiweyo. Ngoku, unikwe ilayisenisi kumazwe angaphezu kweyodwa ukwenza imisebenzi yakho yobugcisa, kwaye ujoyine iinkulungwane zabanye abaqeqeshiweyo, kubandakanywa oogqirha, amagqwetha, i-cosmetologists, i-inshorensi, ama-pharmacy kunye neminye imisebenzi eminingi. Uninzi lwabaqeqeshi abaneenenisi-mvume bazingenise kwi-check checks kwaye kaninzi ukuhlolwa kwekhredithi ukufumana iimvume zabo.
Icandelo elifanayo lekhowudi ye-bankruptcy ekukhuselayo ekukhuselweni kukukhusela nokucalucalulo xa ufaka isicelo selayisenisi yakho. Awunakuphikelwa ilayisenisi yecandelo kuphela ngenxa yokuba ufaka i-bankruptcy.
Kodwa, akusiyo isiphelo sebali. Uninzi lwezakhono ludinga ukuba amalungu awo ahlangabezane nemigangatho, kwaye ezo ziquka rhoqo iimfuno zokuziphatha okanye ezisezintweni. Abanye bacinga ukungahoywa kwemicimbi yezemali njengenye yezinto ezinokuchaphazela ibhodi yakho yokulayisenisa.
Njengoko siza kubona kwinkqubo yokukhutshwa kwezokukhuseleko, izikhulu kunye neziphathimandla ezilawulayo ziya kubumba kwimvelaphi yakho. Ngokuqhelekileyo, nangona kunjalo, ukuthatha isifundo kwi-playD yemvume yokukhusela i-DoD, ii-body licensing bodies recognize that they must dig deeply at times to understand the nature of the issues and how they are related to your ability to practice your profession.
Ngaba Unokutshutshiswa okanye Ulahle Ukukhuseleka Kokukhuseleko Ukuba Ufake i-Bankruptcy?
Le yimeko enye apho ukufakela i-bankruptcy kunokukunceda. Akugcini nje ukufakela i-bankruptcy ukuba ungakufanelekanga kwisigunyaziso sokukhusela, kodwa ngoku kunokwandisa amathuba akho okufaneleka.
Uninzi lweemvume ezikhutshwe kubasebenzi bakaRhulumente kunye nakwiikontraka zikaRhulumente ziphandwa yiSebe lezoKhuseleko. Uphando luyinyani, kwaye i- DOD ibheka kwiindawo ezininzi zobomi bakho , ngaphaya kwembali yakho yomsebenzi. Impilo yakho yemali inomdla othile. I-DoD ibona ukuba abantu abasemgangathweni bezezimali baxhatshazwa. Inkqubo yeklasi yokubanda ebomvu ithatha ukuba unokumnyama ngamanye amazwe. Kodwa, nangaphandle kwe-spypionage angle, i-DoD izizathu zokuba uxinzelelo lwemali lwakho lunokukuchaphazela ukuba wenze izigqibo ezingenangqondo okanye uphule umthetho ukuze ufumane imali. Ezi zezi ezinye zezinto iDoD uphando ngazo:
- Ngaba awukwazi okanye ungafuni ukuhlawula iindleko zakho xa zifanele?
- Ziziphi iindlela zakho zokuchitha imali? Ngaba uhlale uphila ngaphezu kweendlela zakho?
- Yintoni eyimvelaphi yengeniso yakho?
- Ngaba ujoyina ukugembula kunye nokusetyenziswa kweziyobisi okanye ukusetyenziswa kotywala okunokubangela iingxaki zemali okanye kukubangela ukuba usengozini kwi-blackmail okanye kwezinye iimpembelelo ezingaphandle?
- Ngaba ukwenzile nayiphi na into engekho mthethweni, ingakumbi leyo malunga nemali (ukukhwabanisa, ukukhutshwa kwentela, ukweba, ubuqhetseba)?
- Ingaba iirhafu zakho zentlawulo kunye neentlawulo zerhafu?
Imiba ye- DoD imigaqo yabaphenyi bayo , kwaye izikhokelo ziyabona ngokucacileyo ukuba le miqathango inokulungiswa ngokufaka ifowuni yebhanki. Yileyo ndlela u-bankruptcy angakwandisa ngayo amandla akho okufumana nokugcina imvume yokukhusela. Umphandi we-DoD uza kufaka loo nto kunye nobunye ubungqina:
- Yayiphi indlela yakutshanje ukuziphatha?
- Ngaba yayisiganeko?
- Ingaba loo mntu wayenalo ulawulo phezu kweemeko ezibangele ukuziphatha (umzekelo, ukulahleka kwengqesho, ukuhla kwezoshishino, uxinzelelo lwezonyango olungalindelekanga, okanye ukufa, umtshato okanye ukwahlukana)?
- Ingaba umntu wamkela okanye ngaba umntu ufumana iingcebiso ngeengxaki? Ngaba kukho izibonakaliso ezicacileyo ukuba ingxaki isisombululo okanye ilawulwa?
- Ukuba umntu uphumelele uhlobo oluthile lobutyebi, ngaba luvela kumthombo wezomthetho?
- Ingaba umntu owenza umzamo othembekileyo wokubuyisela abathengi okanye ukulungisa izikweletu?
Emva kokuvavanya zonke ezi nkcukacha, unokubona ukuba ukufakela ityala le-bankruptcy akunakulimaza kumsebenzi wakho njengoko ucinga. Kwaye ngokwenene unokuncedisa ngezinye iindlela ngaphandle kokunciphisa uxinzelelo lwaloo matyala.