Lo ngumbuzo osemthethweni. Isahluko 13 sifeza iinjongo ezahlukeneyo kubantu ngabanye kunokuba bangene kwiSahluko 7 sokuchithwa ngqo. Kukho izizathu ezininzi zokuba iSahluko 13 siza kulungeleka abanye abantu kunesiSahluko 7.
Nazi izizathu eziphambili zokufaka iSahluko:
Awukwazi ukudlula ukuVavanywa kweNdlela
Ngonyaka ka-2006, iNkcazo yanyanzele inguqulelo yangoku yemithetho ye-bankruptcy. KwiNkqubo yokuLawulwa koThatshulwa koThathozo kunye noMthetho woKhuseleko kwabaThengi, iNkongqongo izame ukuyila inkqubo yokwenza i-bankruptcy ukuxhamla abantu abaninzi kwiimeko zeSahluko 13, kwaye ngaloo ndlela zikhuthaza ukuhlawulwa kwamatyala angaphezulu. Ngamanye amazwi, i-BAPCPA yenza kube nzima ukuba abantu bafaneleke ukucinywa kweSahluko 7 kwaye bakhuthaze abo basebenzisa iSicwangciso seSahluko 13 sokubuyisela ukufumana imali engaphezulu yengeniso yabo kwikamva ekuhlawuleleni amatyala abo.
Umntu ngamnye onetyala unelungelo lokwenza ifayile yeSahluko 7 ngokudlula ukuVavanywa kweNdlela , okuyi-series of calculations ngokuqwalasela ingeniso yakho kunye neendleko zakho ezininzi . Iphakamileyo yengeniso yakho (okanye iindleko zakho ezantsi), mhlawumbi awuyi kudlulela uVavanyo lweNdlela.
Ukuba awugqithisi uvavanyo lweZindlela, usenokukwazi ukufaka iSahluko 7, kodwa ukhetho lwakho olulodwa luya kubakho ukufaka ifayile yeSahluko 13 kwaye usethe isicwangciso sokwenza iintlawulo zenyanga ukubuyisela inxalenye yakho matyala
Unokufunda ngokubanzi malunga nendlela Uvavanyo lokuSebenza lusebenza ngayo kwi- (Ngaba ndingayifaka i-Fake Bankruptcy) yokuVavanya .
Umboleki wakho uzimisele ukubuyisela imoto yakho okanye ukubeka phambi kwendlu yakho
Ukuba ungasemva kwiintlawulo zakho ngokubambisa njengendlu, imoto okanye enye impahla, unokuhlawula ixabiso elipheleleyo lepropati okanye ixabiso elidlulileyo lemali njengengxenye yeSahluko 13 isicwangciso malunga neyesithathu kwiminyaka emihlanu .
Unetyala leerhafu kwi-IRS okanye kwelinye igunya lokurhoxisa .
Icandelo le-13 linokuvumela ukuba ubeke isicwangciso sokuhlawula esilungileyo esithintela umrhumo werhafu ofunekayo. Nangona unako ukukwenza oku ngaphandle kwe-bankruptcy, ukuba uyayenza njengenxalenye yeSicwangciso seSahluko 13, inkqubo ye-bankruptcy iya kukukhusela ekuhlotheni, iirhafu kunye nezinye izenzo zokuqokelela nge-arhente yerhafu - kunye ne-IRS-kwaye iya ukuvumela ixesha elide ukuya kwiminyaka emihlanu ukuhlawula oko ufunwa.
Awufuni ukushiya ipropati yakho yokungaxhasi .
KwiSahluko sesi-7, uvumelekile ukuba ugcine inani elithile lepropati ukwenzela ukuba xa u-bankruptcy uphelile uya kukwazi ukuhlala ubomi bakho nokuxhasa intsapho yakho. Oku kubizwa ngokuba ngumhlaba ongekho. Ukuba unempahla engenakho ukuxolelwa , kufuneka uguqulwe kuloo mphathiswa oyithengisayo kwaye uyisebenzise ukuhlawula ubuncinane inxalenye yezikweletu zakho ezingathembeki, njengamakhadi ekwerekhredithi, iibhilikhwe zonyango kunye nemali mboleko.
KwiSahluko 13, endaweni yokuguqula impahla engabikho phantsi, uyavuma ukwenza iintlawulo kwizinto zesicwangciso sakho esiza kuhlawula abathengi bakho abangaqinisekanga ubuncinane njengoko babeza kufumana kwimeko yeSahluko 7. Isahluko 13 sigcina ulawulo lwezinto zakho. Ngokomzekelo, masithi sithi ungumnikazi wesitokisi kwi-Exxon.
Kuxabisa i-$ 2,000 ngoku, kodwa ucinga ukuba kuya kuxabisa ngakumbi emva koko, kwaye ufuna ukuyigcina njengotyalo-mali. Kwimeko yeSahluko 13, ugcina isitokethi, kodwa ucebise isicwangciso sokuhlawula esiya kubavumela ukuba abakhweli bakho bafumane ubuncinane i-$ 2,000. Oku kubizwa ngokuba yiNtshisekelo ephezulu kakhulu yokuThengwa kwabaThengi .
Ukuze ufunde kabanzi malunga nokugcina ipropati yakho ngeSahluko 13, jonga iNtshisekelo ephezulu kakhulu yokuThengwa kwabaThengi .
Ufuna ukukhusela umnxibelelwano.
Ngamanye amaxesha xa uboleka imali okanye i-akhawunti, umbolekisi uya kufuna ukuba umntu atyikitye kunye nawe. Lo mbhaliselwano unyanzelekile kwityala njengoko unjalo. Ukuba uhluleka ukuhlawula, umboleki-mboleko uya kujonga kumnxibelelwanisi-ntlawulo.
Ukuba ufaka icala leSahluko 7, umboleki-mali ukhululekile ukufuna intlawulo evela kumntu oyibhaliselwano. Kodwa, ukuba ufaka icala leSahluko 13, umnxibelelwano wakho ukhuselwe ngumthetho nje nje xa wenza iintlawulo zakho ngokwesicebo sakho sokuhlawula.
Ingaba ukhetha iSahluko 13 okanye ufumene ukuba iSahluko 13 siwukuphela kokhetho olukhethiweyo, kufuneka uqonde ukuba iSahluko 13 sidinga ukuqeqesha kwaye ngamanye amaxesha siyaqhumisela. Ukuqonda oku phambili kuya kukwandisa iziganeko zakho zokugqiba ngempumelelo isicwangciso seSahluko 13. Khangela ngakumbi kwi- Living With Chapter 13, Icandelo 1 kunye noPhila kunye neSahluko 13, Icandelo 2 .