Kutheni kukho amanye amatyala ahamba emva kwecala lokubhankqalaza, kodwa abanye abenzi? Ngokuqhelekileyo kuba iCongress yenze isigqibo malunga nezizathu zomgaqo-nkqubo ezivumela ukuba abantu abanetyala (abo bafake iifayile zebhanki) ukuphelisa uxanduva lwabo kweso sikolo akuyi kuba luncedo kuluntu. Ngamanye amagama, xa sithelekisa le mibini, inzuzo kumntu-mboleko kunye noluntu ngokubanzi lugqithisa inzuzo leyo umboleki uya kuzuza xa umthwalo wakhe wokuhlawula uyacinywa. Cinga ngokukodwa ukuxhasa abantwana. Ngokomzekelo, inzuzo kumntwana ofumana inkxaso yenkxaso yabantwana ibaluleke kakhulu kumntwana nakwintlalo kunokuvumela umntu onoxanduva lokuphelisa ityala.
Nceda uqaphele ukuba uluhlu olungezantsi aluphelelanga kwaye kukho ezinye iindidi zetyala elingenakudalulwayo elisebenza kwiimeko ezithile kwaye kaninzi alusebenzi kubantu abaninzi. Ukuba unqwenela ukufumanisa ukuba kukho nawaphi na okunye okungafunekanga okusebenzayo, nceda uqhagamshelane nommeli ongenamava. Musa ukucinga ukuba ityala liyakhululwa ngaphambi kokuba kufakwe i-bankruptcy. Njalo khumbula ukuba i-bankruptcy iyinkimbinkimbi kwaye into engenakukhutshwa ingabamba inqabana.
Imali Yomfundi
Imboleko yemali ayifumani ukuba ikhutshwe kwi-bankruptcy. Indlela yodwa yokukhupha imali mboleko yabafundi kukubonakalisa ubunzima obubi. Le ngxaki enkulu kunzima ukuyinqoba. Kukho okwenyuka ukukhathazeka malunga nokunyuka kwetyala lomfundi e-United States.
Ngenxa yalo mthetho, kukho indlela encinci yokuphuma kubafundi abangagqibekanga. Nangona kunjalo, kukho iindlela zokusebenzisa i-bankruptcy ukulawula iimboleko zakho zabafundi. Sibhale uluhlu olupheleleyo lwamanqaku malunga nendlela ukuchithwa kwebhanki kungakunceda ngayo ngemicimbi yemiboleko yemfundi. Qala apha: Ukulawula Imali Yomfundi: Isingeniso .
Imirhumo
Uninzi lwentlawulo yakutshanje efunekayo kurhulumente wephondo, urhulumente, okanye indawo ayinakukhutshwa kwi-bankruptcy. Okukuphela kwalomgaqo kulo mgaqo yerhafu yengeniso ehlangabezana neemfuno ezinzulu. Ngokuqhelekileyo, irhafu eneminyaka engaphezulu kweyesithathu yemali yerhafu inokukhutshwa ngokuxhomekeka xa ufake iintlawulo zakho zerhafu, nokuba ufumene ukwandiswa kwembuyekezo, kunye nezinye iimfuno. Funda iqaku lethu ngokukhupha irhafu yengeniso ukuze ufunde kabanzi malunga nale ngxaki. Nantsi enye inqaku: Ukukhupha iMali yeRhafu yeNgeniso: Yintoni ekhutshwayo?
Inkxaso yasekhaya
Izibophelelo zenkxaso-mpahla zasekhaya aziyi kukhutshwa kwi-bankruptcy. Ngokomzekelo, oku kungabandakanya ukuxhaswa ngumtshato / u-alimony kunye nenkxaso yabantwana. Ukuba umfazi wakho wangaphambili ufumana umyalelo ovela kwinkundla yombuso efuna ukuba uhlawule imali engama-$ 500 ngenyanga kwi-inkxaso yomtshato, eli tyala aliyi kukhishwa kwi-bankruptcy. Funda ngakumbi kwiKhutshwa kweeNkxaso zeNkxaso yasekhaya kunye namanye amatyala adibeneyo .
Iintlawulo kunye nokuBuyiselwa
Iintlawulo kunye nezohlwayo ezifunekayo kurhulumente, ngaphandle kweentlawulo zerhafu, azikhutshwa. Ukubuyisela amaxhoba olwaphulo-mthetho akunakwenzeka.
Ukulimala komntu
Kwakhona ayinakukhutshwa yityala oyenzayo xa uqhuba isithuthi ngelixa utywala kwaye wabangela ukulimala okanye ukufa komntu. Ngokomzekelo, ukuba unetyala lokulimaza umqhubi wemoto ngenxa yokuba uqhuba utshwala, kwaye umgwebo ufunyanwa kuwe, umgwebo awuyi kukhishwa. Qaphela Ukukhupha iziTyala: Iingxowa ezingenakhululwa .
Ukungaphumeleli Uluhlu lweetyala
Iingxowa zingaphinde zikhutshwe xa ungaphumeleli ukubhala uluhlu kwiishedyuli zakho. Oku kwenzeka xa ungaphumeleli uluhlu lwamatyala ngexesha lokuba umbolekisi afake ubungqina balo mabango kwaye umbolekisi wayengenalo ulwazi lokutshatyalaliswa.
Ukungaphumeleli ukuluhlula zonke iimali zakho kubangelwa ukukukhanyela ukukhutshwa kunye nolwaphulo-mthetho!
Ukuzimisela kokuKhutshwa
Kukho amanye amatyala angenako ukukhutshwa, kodwa kuphela xa umboleki- fayile efayile icala malunga nawe kunye nenkundla ye-bankruptcy inquma ukuba ayinakukhutshwa. Oku kubandakanya izikwere ezibangelwa ukukhwabanisa, ukukhwabanisa, ukurhoxiswa, ukuphulwa komsebenzi wokubambisana, izikwere ezibangelwa kukulimala okanye ukulimala, kunye netyala elivela kwisivumelwano somtshato okanye umtshato. Funda ngokubanzi kwiiDattery ezikhutshwayo: Iingxowa ezinokuthi zikhutshwe .
Ngaloo ndlela, ukuba ufaka i-bankruptcy kwaye umbolekisi akalokothi afake isicelo sokugweba ukuba ityala linqunywe ngokungenakukhutshwa, njengalezo zigaba, ityala liya kukhutshwa. Nangona kunjalo, oku akunjalo nakwizigaba ezidlulileyo ngasentla, ezizenzekelayo ngokuzenzekelayo.
UMLAWULI WOMTHETHO
Eli nqaku lenzelwe iinjongo zolwazi kuphela kwaye kungekhona ngenjongo yokubonelela ngeengcebiso zomthetho. Kufanele uqhagamshelane nommeli wakho ukuba ufumane iingcebiso malunga nantoni na okanye ingxaki ethile. Ukusetyenziswa kunye nokufikelela kweli nqaku akuyi kudala ubudlelwane bommeli-client phakathi kombhali wale nqaku kunye nomsebenzisi okanye isiphequluli.
Ukuhlaziywa kukaJulayi 2017 nguCarron E. Nicks