Nangona kukho iimbali ezininzi ezijikeleze ukutshatyalaliswa, ukufakela ukutshatyalaliswa kwemali kukho inemiphumo emininzi okufuneka uyiqwalasele. Eminye yale miphumo ifanelekile, ezinye zimbi, ezinye ziphakathi kwezinye. Njenganoma yimuphi umgaqo-nkqubo wezomthetho, kukho imimandla eyahlukeneyo omele uyibeke phambi kokuba uqalise ukufakela i-bankruptcy. Nangona kunjalo, ukuchithwa kwebhanki kuyinkqubo ekhethekileyo yomthetho, kwaye ngenxa yoko, uninzi lwabagwebi abangenakudityaniswa luya kudideka ngemiphumo yalo.
Njalo, ibhetri yakho ephambili xa usicinga ngokufakela iSahluko 7 sokuchithwa ngokuchanekileyo okanye isahluko sokuhlawula isahluko 13 ukubonisana nommeli oqeshwe ngumthengi.
Ukukhutshwa komntu
Ukuqala kwinqanaba elihle, isiphumo esisodwa sokugqiba inkqubo yebhanki kukukhutshwa. Ukukhutshwa ngumyalelo osisigxina kwinkundla ye-bankruptcy ephazamisa ngonaphakade ababolekisi bakho ekuzameni ukuqokelela kwiintlawulo ezininzi ozenzayo ngaphambi kokuba ufakwe kwi-bankruptcy. Kukho okunye. Amanye amatyala awakwazi ukukhutshwa kwi-bankruptcy (njengentlawulo yakutshanje, i- alimony, inkxaso yenkxaso yabantwana kunye nabanye abambalwa), kwaye ezinye ziyakhutshwa phantsi kweemeko ezithile (iimali-mboleko zabathengi). Ukukhutshwa kudla ngokuba yinjongo ekugqibeleni yokutshatyalaliswa kwaye ingaqwalaselwa njengesiphumo esihle kakhulu.
Nangona kunjalo, umbandela ombi wokukhutshwa kukuba awunayo kwipropati yakho. Ngokomzekelo, ukuba umbolekisi wakho wezindlu mboleko unelungelo lokungena kwikhaya lakho, i-lien iya kuhlala isemva kwe-bankruptcy, kwaye umnini-mboleko unakho ukhululekile ukukhangela indlu yakho xa ungekho phantsi kwemboleko yakho.
Unokwazi ukwenza umsebenzi kunye nomboleki wakho kwizinto ezibizwa ngokuba yi- reaffirmation , isivumelwano sokuthatha imali mboleko ngaphandle kwe-bankruptcy. Kodwa oko kuya kufuna ukuba uqhubeke uhlawula.
Ukukhutshwa kwamanzi akukho kwanawo nawuphi na umntu oboleka kwi-ityala elifanayo. Ngokomzekelo, ukuba wena kunye nomntakwenu usebenzisa zombini ikhadi elilodwa lokuthenga ngetyala , ukukhutshwa kwaso kuya kususa inkokhelo kuwe, kodwa kungekhona kumzalwana wakho.
Kuhlala ngokuzenzekelayo
Enye into efanelekileyo yokufakela i-bankruptcy yiyo yokuhlala ngokuzenzekelayo. Ukuhlala ngokuzenzekelayo, njengoko igama libonisa, ngumyalelo wenkundla yebhanki eqala ukusebenza ngokukhawuleza xa ufaka icala lakho lokutsalwa . Ukuhlala ngokuzenzekelayo kubanzi kakhulu kwaye kuthintela ababolekisi ukuba benze izinto ezininzi ukuqokelela ityala kuwe, njengokukubiza, ukubhala ileta yokuqokelela, ukukunxusa kunye nezinye izenzo. Ukuhlala ngokuzenzekelayo kuqhubeka kukusebenza ukukhusela uze inkundla yebhanki ikhuphe ukukhutshwa kwakho. Ukuhlala kuqhubeka ngokubhekiselele kwipropati yexabiso lokutsalwa kwebhanki kuze kube yimeko evaliwe (amaninzi amatyala, kungekudala emva kokukhutshwa kokukhutshwa).
Iingxelo zeMboleko
Utshintsho kumanqaku akhotyala njengoko umphumo wokufakela i-bankruptcy kufakwa . Ngokuqhelekileyo, ukufakela i-bankruptcy filing will hit your score to the bottom of the proverbial barrel. Oku kunokukhathazeka kakhulu ngabantu abaninzi. Nangona kunjalo, unokuhlaziya ngokukhawuleza ikhredithi yakho emva kokutsalwa kwebhanki kwaye ukwandise amanqaku akho ekhredithi kwindawo ephakamileyo kunokuba ungasifaka kwi-bankruptcy. Nangona i-bankruptcy iya kuhlala kwi- credit report yakho kwiminyaka emininzi , amaxesha amaninzi aya kuba nempembelelo enemveliso ekupheleni.
Ubumfihlo
Imiphumo emibi yokufakela i-bankruptcy kukuba yonke into oyifakayo enkundleni, kuquka zonke iishedyuli zakho ze- bankruptcy , eziqulethe ulwazi lwakho lwezemali, lufikeleleke luluntu.
Enyanisweni, ngaphandle kokuba umntu enesizathu sokwazi ukuba u-bankruptcy, amathuba omntu ngaphandle komthengi ofikelelekileyo ulwazi oluncinane kakhulu. Ukungabi nakwimfihlo yintengo ehlawulela inzuzo enkulu enikezelwa ngumntu oswelekileyo. Kwabanye abantu, ukungabikho kolwangasese kungaba yintlupheko. Nangona kunjalo, xa kuthelekiswa nesiphumo ofumanayo kunye ne-bankruptcy, into eyimfihlo ingabonakala ibaluleke kakhulu.
QAPHELA: Ulwazi olunzulu olukhuselekileyo lukhuselwe. Ngokomzekelo, ungabandakanya kuphela:
- iidijithi zokugqibela ezine zenombolo yokhuseleko loluntu kunye nenombolo yokuchongwa kwabahlawuli berhafu;
- kunyaka wokuzalwa komntu;
- oqalayo; kwaye
- iidijithi zokugqibela ezine zeenombolo ze-akhawunti.
Ukulahleka kwePropati
Mhlawumbi isiphumo esibi kunazo zonke sokutshatyalaliswa kukuba unokulahlekelwa yipropati yakho kwi -trustee ye-bankruptcy .
Ndimele ndigxininise igama elithi "may" ! Ukuba unako ukukhupha ngempumelelo yonke impahla yakho umphathiswa akayi kukwazi ukuyithengisa. Nangona awukwazi ukuyixolela yonke impahla yakho, akunakulungele ukuba umphathiswa ukuba athengise ipropati yakho. Ngokomzekelo, ukuba iya kuhlawula i-$ 1000 kwintengiso kwintengiso ebiza i-$ 850, umphathiswa uya kukuvumela ukuba ugcine loo propati. I-trustee izakuthengisa kuphela impahla yakho engeyiyo ihlawuliswa ukuba ucinga ukuba inzuzo enetyenzi iyafumaneka.
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.
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