Kwiimeko ezininzi zeSahluko 7 , akusayi kuba nantoni na ukuhlawula abathengi (kuba ifayile iya kukhulula impela ipropati.) Xa engakwazi ukuyixolela yonke into, impahla engeyiyo ikhutshwe ngumphathiswa otyunjwe yinkundla kwaye sasazwa kubabolekisi njengeentlawulo zemali.
Umphathiswa uthetha njani ukuba uhlawule umthengi ngamnye? Yiloo ndawo apho ubungqina bebango beza kudlala.
Yintoni Ubungqina Bokuba Ibango?
Ngaphambi kokuba umboleki-mali angakhokhelwa kwimeko ye-bankruptcy, umbolekisi kufuneka agcwalise kwaye afake ubungqina befom yefowuni kwinkundla ye-bankruptcy. Le fom ihlala ikhona kwiwebhusayithi yenkundla yebhanki. Okanye unako ukufikelela kwinguqu ekhompyutheni ephathekayo yefom esemthethweni apha. Ifom ifuna ukuba umbolekisi abonise igama lomntu onetyala, inombolo yecala, igama lomthengi kunye nedilesi, kunye nemali yetyala. Umboleki makabonise nokuba ibango likhuselekile okanye likhuselekile . Ngokwenene oku kuthetha ukuba ngaba ityala likhuselwe yintlanzi, njengemali yokubolekisa indlu. Umboleki-mali makazalise ezinye iinkcukacha ezithile zobugcisa, njengokuba ibango linelungelo lokuhlawulwa kwentlawulo yabanye abathengi (njengokuba kunyanzelekileyo ukuxhaswa kwekhaya njengenkxaso yabantwana).
Ekugqibeleni-kwaye oku kubaluleke kakhulu - umboleki-mali unamathele nawaphi na amaxwebhu axhasayo ibango.
Umboleki-mali makayigcwalise ifom kwaye ayifake enkundleni ngumhla wokugqibela owenziwe yinkundla.
Isaziso seTrasti ukufaka ubungqina boBango
Ngokuqhelekileyo, ubungqina bokuba ibango luya kufakwa kuphela ngumboleki-mali ukuba umphathiswa uyachaza ityala le "asethi".
Inkundla iya kuthumela isaziso kule mpawu eya kubandakanya ulwazi malunga nendlela yokufaka ifayile kunye nomhla wokugqibela.
Ngubani na obolekisiweyo abahlawulwa kuqala?
Umphathiswa uya kuzihlawula ipesenti enye into ayibuthayo kumntu onetyala. Ngoko oku kuthetha ukuba umphathiswa uyazihlawulela phambi kwabo bonke ababolekisi. Emva koko, iitalato eziphambili zihlawulwa. Iimali eziphambili zibandakanya uxanduva lokuxhasa ekhaya. umvuzo, imivuzo, okanye i-commissions ukuya kwisixa esithile kwaye izuzwe kwiintsuku ezili-180 ze-bankruptcy; igalelo kwizicwangciso zenzuzo zomsebenzi; inani elithile leediphozithi zokuthengwa okanye ukuqeshiswa kwepropati; kunye neerhafu kunye neentlawulo ezihlawulwa oorhulumente. Emva kokuba zonke iitalato eziphambili zihlawulwa, nantoni na ekhohlo iya kubabolekisi abangakhuselekanga (abo bangenayo ibhokhwe), ngokusesikweni.
UkuLawulwa kweebango
Into eye yathandwa kakhulu ngababolekisi kwi-bankruptcy yinto ebizwa ngokuba yintengiso yokubambisa Oku kubandakanya ukuthengisa nokuthenga amabango alabanye ababolekisi. Nangona umboleki-mali engabandakanyekanga kwi-bankruptcy angathanda ukuthenga ibango lombolekisi obolekwa ngemali ngumboleki. Uxwebhu olubonisa urhwebo lwebango kufuneka lufakwe kwinkundla ye-bankruptcy.
Ukuba ndingumCredit, Yintoni endiyenzayo?
Ukuba ungumboleki-mboleko, kufuneka uqaphele naziphi na iifiki zokugqibela ukufaka ubungqina bokuba ibango.
Iimpawu zokufa zihluka ngokuhambelana nesahluko esilawula imeko. KwiSahluko 7 , njengoko kuchazwe ngasentla, inkundla iya kuthumela isaziso semali esesigxina emva kokuba umphathiswa aqikelele ukuba kukho i-asethi yokuhlawula kunye nokusebenzisa ukuhlawula abathengi. KwiSahluko 13 , umhla wokugqibela unemihla engama-90 emva komhla wokuqala obekwe kwintlanganiso yabathengi. Kwimeko yeSahluko 11 , inkundla iya kumisa amabango okugqibela.
Ngoko ke, kufuneka uqaphele ngokufunda onke amaxwebhu owafumanayo malunga nelo. Into efanelekileyo ukuyenza, njengokuba njalo, kukuqesha ummeli we-bankrupt ukukusiza ulandele ityala le-bankruptcy kwaye ukhusele amalungelo akho njengomboleki.
Ukuziphendulela: Asizange sinike ulwazi olwaneleyo kweli nqaku elifutshane ukukukhokela ngokugcwalisa ngokufanelekileyo ubungqina bokuba ibango. Ufuna ukhokelo lobugcisa, nokuba ngaba unommeli onokuvavanya uhlolisise ifom emva kokuba uyizalise.
Khumbula ukuba ukufaka nje ubungqina bokuba ibango akuqinisekisi ukuba uyahlawulwa. Enyanisweni, abaninzi ababolekisi abayi kuzuza nto kwi-bankruptcy, ingakumbi ukuba awubandakanyekanga kwimeko.
Ukuhlaziywa nguCarron Nicks ngoFebruwari 2018.