Kwimeko yokutshatyalaliswa, ngokukodwa iSahluko 7 sokutshatyalaliswa , inkundla ibheka ipropati yakho njengendlela efanelekileyo yokuhlawula ababolekisi bakho. Emva kokuba ufake i-bankruptcy, yonke impahla yakho iya kuba yinxalenye yendawo yokuchitha imali. Ipropati ethile ayikhululeki ukuba ithengiswe ukubuyisela bakho abakweleta, ngelixa ezinye ipropati ayinakhululwa. Ipropati engaxolelwanga ibizwa ngokuba yimpahla yakho yokungahlawulwanga.
Iimpahla ze-Asks Exclusion kwiSahluko 7 se-Bankruptcy
Iimpahla ezingabonakaliyo ziquka nayiphi na impahla engathengiswa yinkundla.
KwiSahluko 7 ukuchithwa kwemali, inzuzo evela ekuthengisweni kwezi mpahla isetyenziselwa ukuhlawula abanye okanye bonke ababolekisi. Ukuba uqwalasela iSahluko 7 sokuchithwa kwezimali, yazi ukuba unobungozi bokulahlekelwa yipropati yakho ukuhlawula amatyala akho.
Nangona kunjalo, ukuba awunayo nayiphi na impahla yokungaxhasi, ityala lakho libizwa ngokuba yi-"akukho asethi". Akukho propati yenkundla yebhanki ukuthengisa kwaye ababolekisi bakho abayi kufumana nayiphi na intlawulo kwiimeko zakho.
Iimpahla ze-Asks Exclusion kwiSahluko 13 seNgcaciso
Nangona iifayile zeSahluko 13 zingenise isicwangciso sokubuyisela amatyala abo, ixabiso lezinto ezingabikhoyo ziyabaluleke nakwiimeko zokutsalwa kwebhanki. KwiSahluko 13 sokutshatyalaliswa kwemali , umboleki kufuneka abuyisele ababolekisi ubuncinane ubunani bexabiso lokungahlawulwanga.
Imithetho Yombuso kunye neyeNtsholongwane yeeMpahla zeMpahla ezingabikho
Kukho imithetho yomgaqo-karhulumente kunye neyemthethweni echaza izinto ezikhutshweyo kunye neentengiso. Le mithetho ihlala ihluke kwezinye iindawo, kangangokuthi ezinye iindawo zivumela ukuba ukhethe ukuba yeyiphi na indlela yokusebenzisa urhulumente okanye inkqubo yokukhululwa komthetho kwi-case yakho yokubhankanya.
Unokukhetha inkqubo yokukhululwa komthetho, umzekelo, kuba ikuvumela ukuba ugcine ethile ipropati ukuba inkqubo yakho yokuxolelwa ayiyi kuyenza.
Imizekelo yeAskrit Assets
Gcina ukhumbule ukuba yiyiphi into efanelekileyo njengempahla engeyiyo inokungafani ukusuka kwelinye ilizwe ukuya kwelinye kuye kuxhomekeke kumthetho kaRhulumente. Ezi zinto ngokuqhelekileyo ziqwalaselwa njengezinto ezingenanto kwaye zingasetyenziselwa ukubuyiselwa bakho mboleki:
- ipropathi engeyona indlu yakho eyintloko
- imoto yendlela entsha kunye nokulingana
- izixhobo zomculo ezibiza ngokungafuneki kwishishini lakho
- isitampu esibalulekileyo okanye ukuqokelela kwemali
- utyalo mali
- ubugcisa obalulekileyo
- iimpahla ezibiza
- zobumba
Yintoni eyenzekayo kwiimpahla zakho
Ukuba unayo impahla engekho phantsi kwimeko yakho yokubhankqalaza, ababolekisi bakho baya kufaka ibango kwiimpahla ukuze bafumane ukusabalalisa kwi-estate estate bankruptcy. Umphathiswa uya kuthatha i-asethi, athengise, kwaye abelane ngemali kubathengi abafake ibango. I-trustee inokugqiba isigqibo sokungasebenzisi ezinye zexabiso lakho lokungahlawulwanga ukuba azifanelekanga okanye ziza kunzima ukuthengisa.
Ulindeleke ukuba uthembeke ekuhleni uluhlu lwezinto zakho. Unokuthunyelwa kwiofisi yeTrasti yase-US ukuba awunyaniseki malunga nezinto oziphetheyo. Amatrasti awanakudinga ukukhangela amakhaya, kodwa angayifumana inkundla yenkundla ukuba enze njalo xa ecinga ukuba ufihla impahla.
Indlela Yokugwema Ukulahlekelwa Impahla
Esikhundleni sokufakela i-bankruptcy, cinga ukuthengisa impahla yakho kwaye usebenzise imali ukuhlawula okanye ukulungisa amatyala akho. Umsebenzi ongakumbi kuwe, kodwa kukuvumela ukuba ugweme ukuba ne- bankruptcy kwingxelo yakho yekhredithi.
Nangona kunjalo, ukuba uzama ukuthengisa impahla ukuze ungabikho ukuwanika ekutshatyalaliseni, kwaye emva koko ufake iifayile zebhanki, ityala lakho lokubhankqalaza linokungena enkingeni.
INkundla iya kuhlalutya injongo yakho ekuthengiseni i-asethi kwaye wenze isigqibo malunga nokuba uzama ukufihla impahla okanye ukukhwabanisa inkundla. I-trustee inokubuyisela i-asethi edayisiwe, ibambe enye yepropati yakho ekhutshiwe, okanye inokukhanyela ukukhutshwa kwamatyala akho .
Kungakufanelekile ukuba uthethe kummeli ukuba u-bankruptcy unokwenzeka kwaye ufuna ukwazi ukuba unokuthengisa noma ukugcina impahla yakho.
Ukuba usuvele ufake iSahluko sesi-7 se-bankruptcy, i-trustee inokukuvumela ukuba ugcine i-asethi ukuba unokukwazi ukuhlawula ixabiso le-asethi. Okanye, unako ukutshintshisisa ixabiso lokungahlawulwanga kwexabiso lemali yexabiso lempahla. Ukuguqulwa kwiSahluko 13 sokutshatyalaliswa kweso sinokukhetha.