Isahluko 7 asiyena kuphela uhlobo lokuchithwa kwezimali olukhoyo kuthi.
Kukho ezintlanu kuzo zonke. Kusenokwenzeka ukuba uve ngeSahluko 11 , apho iinkampani zivame ukusebenzisa ukulungelelanisa amatyala abo. Okanye, iSahluko 9 , esasetyenziswe oomasipala njengesixeko okanye uluntu lwamanzi oluntu ukulungisa kwakhona amatyala alo phantsi kokhuselo lwenkundla ye-bankruptcy. Okanye neSahluko 12 , sitholakale kuphela kumafama kunye nemisebenzi yokuloba.
Kukho olunye uhlobo lwebhanki abantu abasebenzisa ukulungisa kwakhona amatyala abo. Olu hlobo lubizwa ngokuba yiSahluko 13 se-bankruptcy. Ngokungafani neSahluko 7 , iSahluko 13 asibandakanyi ukucinywa. Ngokuqhelekileyo, iSahluko 13 sematyala (yiloo nto esiyibiza ngabantu abafake i-bankruptcy) ivumelekile ukuba igcine yonke impahla yakhe, nokuba ingahlawulwa okanye ayikho, nje kuphela ukuba iSicwangciso seSahluko 13 sihambelana nomthetho. Isahluko 13 sinokubandakanya iindleko ezingaphezulu kweSahluko 7 ngokwemali yeejaji, njengoko inkqubo iyanzima kwaye ikhutshwe.
Ukuzinikela kwexesha
Isahluko 7 sinenkqubo encinane, kwaye ngokuqhelekileyo iphela iinyanga ezine ukuya ezintandathu ngaphambi kokuba inkundla ikhuphe ukukhutshwa.
Ngakolunye uhlangothi, iSahluko 13 sokutshatyalaliswa kwesikolo siya kuhlala kwisithuba seminyaka emithathu ukuya kweyesihlanu, ubude becebo lokuhlawula rhoqo ngenyanga ucebisa inkundla ukuhlawula amatyala athile. Isicwangciso sexesha siya kuhluka ukusuka kwiminyaka emithathu ukuya kwemihlanu, kuxhomekeke kwinto yakho yengeniso yentsapho ngokubanzi okanye ingaphantsi kwemali engenayo kwimeko yakho yokuhlala.
Isicwangciso sokuhlawula
Isicwangciso seSahluko 13 , okanye nje isicwangciso sokuhlawula, intliziyo yeSahluko 13. Isahluko 13 sinzame "ukulungelelanisa" ityala lakho ngokuhamba kwesikhathi. Isixhobo esikhulu kumntu onetyala ongekho emva kweentlawulo zezindlu okanye iintlawulo zeemoto. Ezi ntlawulo zinokubanjwa kunye nesicwangciso sokuhlawula ngokuhamba kwexesha, ngaloo ndlela igcina indlu ukusuka kwinqanaba okanye imoto ukusuka ekuhlaleni. Esi sicwangciso siya kubandakanya naziphi na iimali ezidlulileyo ngenxa yamabango aphambili , njenge- alimony, inkxaso yenkxaso yabantwana , okanye irhafu yengeniso yamuva.
Isicwangciso seSahluko 13 sinokubandakanya iintlawulo kumbolekisi abangakhuselekanga njengamakhadi-mboleko kunye neendleko zonyango. Ukubalwa kusetyenziswa kwingeniso yakho kunye neendleko zokuqinisekisa ukuba unayo nayiphi imali engenayo emva kokuba zonke izibophelelo zakho zidibene. Ulindeleke ukuba unikele ngeniso yakho ehlawulwayo kwisicwangciso sakho sokuhlawula, kwaye loo mali eyongezelelweyo iya kusetyenziswa ukuhlawula abathengi abangakhuselekanga njengawo makhadi ekhredithi kunye neendleko zonyango. Ukuba awunayo ingeniso ehlawulwayo, oko kulungile Iimali ziza kukhishwa ngenxa yokuba uzinikezele umzamo wakho omkhulu wokuhlawula iindleko zakho kwiSahluko 13.
IziCwangciso zoPhuhliso
Isicwangciso seSahluko 13 kufuneka sihlangabezane neemvavanyo eziliqela ukwenzela ukuba ziqinisekiswe okanye zivunywe yinkantolo yebhanki.
Okokuqala, isicwangciso kufuneka sikhankanywe ngokholo oluhle. Oku kuthetha ukuba, ngokukodwa, ukuba uzimisele ukulandela ngokupheleleyo kwisicwangciso kwaye uzama ukunyanisekisa imali yakho okanye uqhube ubuqhetseba enkundleni. Isicwangciso kufuneka sidibanise "iimfuno ezifanelekileyo zethengi". Olu vavanyo ludinga ukuba iSicwangciso seSahluko 13 sihlawule abathengi abangasetyenzisiweyo ubuncinane ukuba babeya kuba ngaphantsi kweSahluko 7. Kwiimeko ezininzi, abathengi abangakhuselekanga abanakufumana nto kwiSahluko 7, ngoko ke lo vavanyo luyakwazi ukudibana lula. Olunye uvavanyo lubizwa ngokuba yi "mvavanyo". Iimvavanyo ezintle zokufuna iimfuno kufuna ukuba iSicwangciso seSahluko 13 sihlawule abathengi abangaqinisekanga inani elithile eliphindaphindiweyo yimali engenayo.
Isahluko 13 iTrasti
Ngokufanayo neSahluko 7 somphathiswa, iSahluko 13 umphathiswa usebenza njengento ephambili yokudibana nomntu onetyala.
Umphathiswa uya kuhlaziya isicwangciso sentlawulo esicetywayo kwaye unelungelo lokusombulula isicwangciso kwi- court bankruptcy xa ekholelwa ukuba akulungile. Ukuba isicwangciso seSahluko 13 siqinisekiswa yinkantolo ye-bankruptcy, itrasti yenza njengomlambeli phakathi komboleki kunye nababolekisi befumana iintlawulo. Ngokukodwa, umboleki uya kwenza iintlawulo nganye ngenyanga kwi-trustee. I-trustee ke ihlula intlawulo, njengoko isungulwe kwisicwangciso seSahluko 13 , kunye neentlawulo zemicimbi kubathengi.
Izilungiso Ngethuba leSahluko 13
Isahluko 13 sokuchithwa kwesithintelo sithwala imithintelo embalwa engabikho kwiSahluko 7 sokutshatyalaliswa kwemali, ukuhlawulwa kwenkqubo yenyanga yinto ecacileyo. Ukongeza, awuyi kuvunyelwa ukuba wenze enye ityala, njengemali-mboleko yemoto, ngaphandle kwemvume yenkundla. Kumele ugcine i-inshorensi nakweyiphi na into yokubambisa, njengokuba ubambelele kwimali-mboleko yemoto.
Ukukhutshwa
Kuyafana neSahluko 7 sokutshatyalaliswa, ekupheleni kwesicwangciso, uninzi okanye zonke izikweletu zakho ziya kukhutshwa. Unokushiywa ngamatyala angakhutshwayo , njengemali-mboleko yomfundi. Njengoko kwiSahluko 7, ukukhutshwa kweSahluko 13 kubalulekile, oko kuthetha ukuba ukuba kukho umntu obophelelwe enye yeerhafu ezikhutshweyo, usenokwenzelwa ityala.
Ukuhlaziywa nguCarron Nicks, ngoJulayi 2017