Xa kuthelekiswa neSahluko 11 , iSahluko 12 asibizi kwaye sincinci.
Ngubani ofumana iSahluko 12?
Umntu ngamnye okanye otshatileyo osebenza ngokuloba okanye ukuloba ngenjongo yokuloba unokufakela iSahluko 12. Izilungelo zemali zeSahluko 12 ziphezulu kuneSahluko 13 . Ngokukodwa, ityala elipheleleyo kufuneka lingadluli i-$ 4,031,575 kumlimi kunye ne-1,868,200 ye-fisherman. (Le miqathango yamatyala ngo-2017. Lo mda uya kukwanda ngo-2019). Ukuba ngumlimi weentsapho, ubuncinane ama-50% amatyala abo kufuneka avele emsebenzini wokufama. Ngokufanayo, kunye neentlanzi zentsapho, ama-80% eetyala kufuneka avele ekusebenzeni ngokuloba. Ekugqibeleni, ngaphezulu kwe-50% yemali engenayo yomntu ngamnye okanye isibini esitshatileyo kufuneka ivela kumsebenzi wokufama okanye ukuloba kunyaka ongaphambili werhafu.
I-corporation okanye ubambiswano inokufanelekela njengomlimi wentsapho okanye umlobi phantsi kweemeko ezithile.
Ukulungiselela nokuFiliswa
Njengeminye isahluko se-bankruptcy, umntu ofuna ukufakela iSahluko 12 kufuneka aqokelele lonke ulwazi lwazo lwezezimali ukuze agcwalise kwaye agqibezele ukufakela ngokuzithandela, iiShedyuli kunye neNkcazo yeMicimbi yezeMali, phakathi kwamanye amaxwebhu.
La maxwebhu kufuneka afakwe kumabhalana wenkundla yebhanki ukuze aqalise isahluko se-12.
Kuhlala ngokuzenzekelayo
Ngokufaka ifowuni yeSahluko 12, ukuhlala ngokuzenzekelayo kuyasebenza, njengawo onke amatyala. Ukuhlala ngokuzenzekelayo kuvimbela abathengi ukuba bathathe izenzo ezithile zokuqokelela ngaphandle kwemvume yenkundla yebhanki.
Ukongeza ekukhuseleni umboleki, ukuhlala ngokuzenzekelayo kwimeko yeSahluko 12 kukhusela nabani na ochaphazelekayo nakweyiphi na isahlulelo seentlawulo zabathengi (Isahluko 12) (loo matyala afunyenwe ngokwabo, iintsapho okanye iintsapho kunokuba zihlawulwe ngamatyala ahlobene nokufama okanye ukuloba.) Ngokomzekelo, ukuba uJohn, umlimi weentsapho, ifayile yeSahluko 12, ukhuselwe ngokuzenzekelayo. Unekhadi lesikweletu, apho umntakwabo naye unecala, phantsi kweSahluko 12, umntakwabo naye uya kukhuselwa ngokuzenzekelayo ukuba ahlale kuloo matyala nangona umntakwabo kaYohane akazange afake i-bankruptcy ngokwakhe. Amalungiselelo afanayo afumaneka kwiSahluko 13. Oku kudla ngokuba kuthiwa u-co-debtor uhlale.
Iintlanganiso zababolekisi
Isahluko 12 somphathiswa siya kubamba intlanganiso yababolekisi emva kokufakela isikhalazo sokubhankwa, ngokufana nezinye izahluko zebhanki. Ngethuba le ntla nganiso, umphathiswa kunye nabathengi banokukubuza imibuzo malunga nokucela kwakho kunye nemicimbi yezemali.
ISahluko 12
Ngokufana neCandelo le-13, umboleki kufuneka aphakamise isicwangciso seSahluko 12 esihlawula amatyala akhe kwisithuba seminyaka emi-3 ukuya kwe-5. Isicwangciso kufuneka sihlawule ababolekisi ngaphakathi kwemimiselo yemithetho ye-bankruptcy.
Ijaji yebhanki kufuneka "iqinisekise" isicwangciso. Emva kokuqinisekisa, iSahluko 12 esinetyala kufuneka senze iintlawulo rhoqo kwi-trustee, oya kuthi ke enze iintlawulo kubabolekisi.
Ukukhutshwa
Isahluko 12 somboleki asifumani ukukhutshwa kwaze kwaba yilapho zonke iintlawulo zakhe zenziwe. Nangona kunjalo, kukho okunye okubizwa ngokuthi "ukukhutshwa kanzima," okuvumela ukukhutshwa nangona ungenzi zonke izicwangciso zentlawulo. Oku kuvunyelwe ukuba umntu onetyala angafakazela ukuba akaphumelelanga ukwenza zonke iintlawulo zeentlawulo ngenxa yokungabi nasiphoso saso kwaye isizathu asizange siphethwe nguye. Umzekelo unokuba sisifo esibi.
Isahluko 12 siyafana ngokucacileyo neSahluko 13 kwiintlobo ezininzi, njengokuba kufuna ukuba isicwangciso sesicwangciso kunye nentlawulo kwisithuba seminyaka emi-3 ukuya kwe-5. Nangona kunjalo, iSahluko 12 sijoliswe kubadobi nakwabalimi, kwaye ngokufanelekileyo urhulumente uye wabhekisela kwiimeko zabo zemali ezahlukileyo kunye ezinzima.
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 kukaJanuwari 2017 nguCarron Nicks.