Ingxaki Yomntu Ongabonakaliyo?
Uninzi lwabantu abafake iifowuni zifakwe ngabantu kunye neenhlangano ngokuzithandela, nto leyo ithetha ukuba umntu okanye inkampani ebunzima ingxaki yezemali iza kwenza isigqibo sokufaka ifowuni yebhanki kwaye iya kuqalisa icala ngokufaka isikhalazo sokuzithandela inkundla yebhanki .
Ngamanye amaxesha abathengi abanqweneli ukulinda abobolekayo ukuba benze isigqibo. Basenokujamelana nomboleki ochitha impahla okanye abahlawulanga amatyala abo njengoko beza kufuneka kodwa baneempahla ezingasetyenziselwa ukuwanelisa loo matyala.
Xa ubhekene nomboleki omele abe ngumntu ongekho phantsi komntu, kodwa wenqabe okanye ngenye indlela ehluleka ukuthatha inyathelo ngokwakhe, ababolekisi bangasebenzisa esi sixhobo ukuba baphoqe umbolekayo kwiSahluko 7 se-bankruptcy ngqo okanye iSahluko 11 sokulungiswa kwe-bankruptcy . Ezinye iintlobo ze-bankruptcy azifumaneki.
Iimfesibhazo ezingabandakanyekanga zigunyaziwe phantsi kwekhowudi ye-bankruptcy kwi-11 USC ยง 303.
Ngubani onako kwaye ongenakukwazi ukungena kwi-Bondruptcy?
Azikho zonke izinto ezinokufakwa kwiimeko ezingenakuzibandakanya. Ukutshatyalaliswa komntu ongenakunqwenelekayo kumkhawulo xa umbolekayo ibhanki, inkampani yomshuwalense, inhlangano engekho inzuzo, umanyano wesikweletu, umlimi, umlimi, umasipala okanye enye ikarhulumente.
Uninzi lwamatyala angabandakanyekanga alufakwe kubalimali abashishini. Amatyala angabandakanyiyo ngabanye awanqabile. Abantu ngabanye bangabanga ukuxolelwa ukukhusela okungenani ezinye zeempahla zabo kwaye bagcine ezo zinto zivela ezandleni zabathengi kwiimeko zokubhankqalaza. Ngaphandle kokuba umntu uphelile kwaye unamaxabiso amaninzi angakhuselekanga, i-bankruptcy engabonakaliyo ayiyi kuzuza.
Ababandakanyekayo kumashishini banakho ukufumana ukwaneliseka kubabolekisi kuba amabhanki akakwazi ukukhupha impahla.
Ngubani Ongayifaka Umonakalo Ongabonakaliyo?
Ababoleki nge "ukuma" bangafaka i-bankruptcy engabandakanyekanga. Ukuba umele, ityala lomboleki kufuneka lihlangabezane neendlela ezithile:
- Ityala alinakuxhomekeka njengeliso. Ngamanye amazwi, akukho miqathango ekufuneka idibene nayo ngaphambi kokuba umboleki ahlawulwe ityala. Ngokomzekelo, ityala linokuthi lithe xa lisekelwe kwisigunyaziso esingaqalwanga.
- I-matyala ayixhomekeke kwimpikiswano enyanisekileyo ngokubhekiselele ekuqinisekisweni kwetyala okanye ubukho.
Bangaphi Ababoleki?
Ukuba umboleki uneminyaka engama-12 okanye abancinci abancinci, isikhalazo esingenakho ukuzifaka singeniswa ngumntu obolekisiweyo enetyala elingenani i-$ 15,775 (ngo-Matshi 2018). Umboleki-mali akakwazi ukuba ngumqeshi, ukungena okanye ukutshintshiselwa kokutshintshwa .
Ukuba umboleki unabathengi abangaphezu kwe-12, abathathu abathengi nge-$ 15,775 kwi-matyala (ngo-Matshi 2018) bangafaka ifowuni.
Ukuba umntu obolekayo ubambiswano, kukho imigaqo-nkqubo eyongezelelweyo yokuzisa isenzo esingenakuzibandakanya.
Ngaba uMboleki angayichasa isicelo sokubongoza?
Ewe, umntu obolekayo unokuchasisa isikhalazo.
Emva kokuba ababolekisi befake isikhalazo, umboleki unemihla engama-20 ukuphendula. Umboleki uya kuhlaselwa ngokumalunga nababolekisi ukuzisa isikhalazo, atyala ukuba amatyala alawulwa ngxabano okanye ayengafanelekanga, uzame ukuzisa ubungqina bokuthi uhlawula amatyala akhe, okanye ukuba isikhalazo senziwe ngenkohlakalo embi. Kuye kwijaji yokuchitha i-bankruptcy ukugqiba isigqibo sokuba ngaba uvumele i-petitionary involvementary and that in case will move forward under Chapter 7 okanye Chapter 11. Ukuba ityala liya phambili, umboleki uyaboshwa.
Abbolekayo banokukhetha ukuguqula isikhalazo kwiimeko ezingenakuzikhethela kwi-voluntary, okanye uxoxisane nababolekisi ukuba avumele ukuba icala liqhube phambili njengeSahluko 11 sokulungiswa ukuba ngababolekisi bafaka iSahluko 7.
Ukuba iNkundla iCima iNkundla engabandakanyiyo
Inkundla yebhanki ingafumana ukuba ityala elingabandakanyekanga lalingeniswe ngokufanelekileyo kwaye liyakunqanda.
Inkundla inamagunya okufaka isigwebo ngokubhekiselele kubathengi beendleko zomboleki kunye neentlawulo zommeli. Ukuba inkundla ifumanisa ukuba ukufowunelwa kwenziwe ngokholo olubi, kunokunika umrhumo wokuhlawula okanye ukuhlawulwa.
I-akhawunti yecala lokungahambi ngokungazibandakanyeki kummeli waseFiladelphia uMaury Rosenberg, oye waxoxwa kunye no-e-litigated iminyaka emininzi kwaye akaza kusombululwa, jonga i-July 17, 2016, i-Minneapolis Star Tribune article, e-US. Bancorp kunye nomntu woshishino waseFiladelphia, ityala le-bankruptcy elingayi kufa.