Siyathemba ukuba sinokutshatyalalisa ezinye zazo.
Kule nqaku sifunda iSahluko 7, uhlobo oluqhelekileyo lwe- bankruptcy olufakwe eMelika . Isahluko 7 sabizwa ngokuba yi-bankruptcy okanye i-bankruptcy. Luhlobo lwabantu abaninzi abantu bacinga ngalo xa igama elithi "bankruptcy" lifika engqondweni. Ngokucacileyo, inkundla inyule i- trustee ukuba ilungele icala lakho. Ingxenye yomsebenzi we-trustee kukuba uthathe ifa lakho, uthengise kwaye usasaze imali kubathengi abafake izicelo zamabango afanelekileyo. I-trustee ayithathi yonke impahla yakho. Uvumelekile ukuba ugcine ngokwaneleyo "ukukhutshwa" kwipropati ukuze ufumane "ukuqala ngokutsha".
Ukulungiselela
Ngaphambi kokuba ityala lifakwe, uya kufuneka uqokelele zonke iirekhodi zemali ezifana nezitatimende zasebhanki, izitatimende zekhadi lesikweledu , iimpepha zemboleko kunye nokuhlawula imali. Uza kusebenzisa le ngcaciso ukuzalisa isikhalazo se-bankruptcy , iishedyuli , isitatimende semicimbi yezezimali kunye namanye amaxwebhu aya kufakwa enkundleni.
Unokukhuphela iikopi mahhala kwiwebhusayithi egcinwe yiNkundla ze-US. Igosa lakho liya kusebenzisa izicelo zeekhompyutheni zokubakhokhela ukuba zivelise.
Ngokubanzi, la maxwebhu aquka isikhalazo sokuzithandela sokuncediswa, iishedyuli ze-asethi kunye namatyala, izibhengezo malunga nemfundo yemboleko, kunye neengxelo zemicimbi yezemali .
La maxwebhu afuna ukuba uvule ubomi bakho bezezimali kwiinkantolo. Ziquka uludwe lwazo zonke ipropati, amatyala, abathengi, imali engenayo, iindleko kunye nokuthunyelwa kwepropati, phakathi kwezinye izinto. Xa ugqityiwe, uya kufaka umabhalana wenkundla yakho yebhanki yendawo kwaye uhlawule umrhumo wokufaka . Ukuba unomdla ekufumaneni inkundla yendawo, tyelela iphepha le-court locator, khetha "Ukuchithwa" phantsi kwe "Uhlobo lweNkundla" kwaye wongeza indawo yakho kwibhokisi elingaphantsi.
UkuCetyiswa ngetyala
Phantse wonke umntu onetyala ofuna ukufaka ifowulda yeSahluko 7 kufuneka athathe inxaxheba kwiseshoni kunye nomcebisi wekhredithi oyamkelweyo phambi kokuba ityala lingeniswa. Oku kungenziwa kumntu, kwi-intanethi okanye ngefowuni. Isizathu esisemva kwesi sifundo kukuba abanye abanetyala abanako ukukhetha kwabo. Umcebisi wekhredithi unokukwazi ukuphakamisa ezinye iindlela eziza kukugcina uphumelele. Unokufumana ulwazi oluninzi malunga nale mfuneko kwiwebhusayithi yeTrasti yase-US.
Iimvavanyo zovavanyo
Umboleki kufuneka aphumelele ngempumelelo indlela yokubala yokubala, enye enye idokhumenti okumelwe igqitywe ngaphambi kokuba kufakwe i-bankruptcy . Olu vavanyo, olongezelelweyo kwiKhowudi yeBhanki ye-Bankruptcy ngo-2005, lubala ukuba unako ukukwazi ukuhlawula, okanye "inokuba" ityala ukuba inkokhelo ubuncinane inxalenye echaphazelekayo yamatyala akho.
Uvavanyo lwendlela lufanisa umvuzo wakho kunye nengeniso ephakathi kwimeko yakho. Ukuba ungaphumeleli uvavanyo lwendlela , unokwenza iFayile 7 ibhujiswe phantsi kwezinto ezikhethekileyo. Enye ingayifaka ukufaka ifowuni yesicwangciso sokubuyisela isahluko 13 . Unokufunda okungakumbi malunga nokuhlolwa kweendlela kunye neenombolo ezisetyenzisiweyo ekubaleni kwi-website ye-Trustee yase-US.
Iintlanganiso zababolekisi
Emva kokuba kuhlawulwe iSahluko 7 , inkundla iya kukhupha isaziso esinikeza isaziso somntu obolekisi beentlawulo . Esi saziso sithunyelwa kubo bonke ababolekisi abalwe ngaphakathi kwiphepha le-bankruptcy. Ngethuba le ntla nganiso yababolekisi, umphathiswa we-bankruptcy uza kubuza umntu onetyala ngemicimbi ehlukahlukeneyo malunga nokutsalwa kwebhanki, njengokuba yonke ingcaciso equlethwe kumaphepha e-bankruptcy ayinyani kwaye ayilungile.
Umphathiswa angabuza enye imibuzo malunga nemicimbi yezemali yematyala. Ukuba umphathiswa unqwenela ukuphanda i-bankruptcy eqhubekayo, unokuqhubeka nokuhlangana kwababolekisi kwixesha elizayo. Kubalulekile ukuba uqaphele ukuba kwintlanganiso yabathengi, njengoko igama libonisa, naliphi na umboleki-mali angabonakala aze abuze imibuzo enetyala nge-bankruptcy kunye nemali. Enyanisweni, ke, ngababodwa ababolekisiweyo abavela rhoqo beemoto zemali-mboleko (ukubuza ukuba unenjongo yokwenza ntoni ngeentlawulo zakho zeemoto) kunye ne-IRS (ukubuza xa uza kuhlawula iirhafu ezingenayo imali).
UkuNyulwa kweeAfa
Ukuba unayo nayipropati engenziwanga , umphathiswa we-bankruptcy unokukwazi ukubamba nokuthengisa ipropati. Ukuxolelwa kubhekisela kwimimiselo yomgaqo-nkqubo okanye karhulumente evumela ukuba ukhusele iintlobo ezithile zepropati xa ufaka i-bankruptcy. Ngokomzekelo, ukuxolelwa kubakho ukukhusela i- akhawunti yomhlala phantsi , njengokwenza u-401 (k) icebo. Naliphi na impahla leyo itrasti inokuyifumana iyabelwa kubabolekisi.
Ulawulo lwezeMali
Ngaphambi kokuba abaninzi abanetyala banokufumana ukukhutshwa, baya kufuneka bathathe ikhosi ngokulawulwa kwezimali Eli klasi liyakwazi ukufundiswa liqela elifanayo owalisebenzisela ukucebisa ngetyala. Cwangcisa ukuchitha malunga neyure kunye neyure ngomntu, kwi-intanethi okanye kwifowuni.
Ukukhutshwa
Ukuba umphathiswa kunye nababolekisi abachasani nokukhutshwa kwetyala, inkundla yebhanki iya kuzinikezela ngokuzenzekelayo umboleki ukukhutshwa ngexesha elithile emva kohlobo lokugqibela ukuchasa. Umhla wokugqibela ukufaka isikhalazo esichaphazela ukukhutshwa kweetyala ngeentsuku ezingama-60 emva kweseshoni yokuqala yentlanganiso yabathengi. Ukuba akukho sikhalazo sifakiwe, ukukhutshwa kudla ngokungena kwiintsuku ezimbalwa kamva. Ukukhutshwa kukuthintela ababolekisi ukuba bangazami ukuqokelela nayiphi na amatyala kuwe, ngokwabo abavela ngaphambi kokuba kufakwe i-bankruptcy. Ngaloo ndlela, kuzo zonke iinjongo kunye neenjongo, ukukhutshwa ngokuchanekileyo kuhlenga iindleko. Nangona kunjalo, kubalulekile ukuba uqaphele ukuba akukho zonke iitalato ezikhutshwayo , kuquka iirhafu ezithile kunye neemfanelo zomntwana okanye ukuxhaswa kwabantwana. Ukongezelela, ukukhutshwa kwe-bankruptcy siqu. Oku kuthetha ukuba umboleki-mboleko unako ukuqokelela kwinkokhelo ekhutshwe kumntu obolekisileyo ongazange afake iifowuni. Umboleki-mboleko onokubambisana naye unokukwazi ukusebenzisa loo nto yokubambisa ukuze anelise enye ityala elibalaseleyo.
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