Basic Types of Personal Bankruptcy

Personal Bankruptcy Options kune Vashandi

Pasi pemutemo weUnited States, iwe unokwanisa kubvisa zvose kana chikamu chezvikwereti zvako apo iwe haugoni kusangana nemitoro yako kune vane chikwereti nevakweretesi. Mhando miviri mikuru yehupfumi hwemunhu inoshanda kune vatengi. Chitsauko 7 bankruptcy inobvumira vatokwere kuti vabvise zvose kana chikamu chechikwereti chavo. MuChitsauko 13 kubhadhara, vatokwereta vanobhadhara zvose kana chikamu chechikwereti chavo zvichienderana nepurogiramu yekubhadhara.

Chitsauko 7 Bankruptcy

Pasi peChitsauko 7 kubhadhara, iwe unogona kuva nezvose kana chikamu chezvikwereti zvako zvakasunungurwa mushure mekunge mvura yako inoshandiswa kubhadhara imwe chikwereti.

Chii chinonzi liquid assets?

Mune yako, iwe unogona kuva nemafuta emvura. Izvo zvinhu zvinogona kukurumidza kuchinjwa kuva mari, sekuongorora nekuchengetedza maakaiti. Zvimwe zvezvinhu zvako zvemvura zvinofanira kuendeswa kumatare kuti zviparadzaniswe pakati pevatengi vako sekubhadhara chikamu chikwereti chaunokwereta. Izvi hazvisi izvo zvisiri izvo. Nhaka dzisingagoni kushandiswa kubhadhara chikwereti dzinonzi dzinodzingwa zvinhu . Nyika yako ine mitemo inorayira kuti zvinhu zvipi zvinodhaka zvisiri izvo uye zvisingabhadharwi.

Mushure mekunge kusingabhadharwi mvura yakasvibiswa kwave kugoverwa kune vako vane chikwereti, chero chikwereti chakasara chinobudiswa. Iwe hausisiri mutoro kune chero chikwereti chakabudiswa. Uyezve, hakuna chikwereti kana vatatu vatori vatori vanogona kuedza kutora zvikwereti izvi kubva kwauri.

Ndinokodzera sei?

Kuti uwane chiitiko cheChitsauko 7, unofanirwa kupfuura nzira yekuongorora inoratidza kuti mari yako inenge iri pasi pemari yepakati yemhuri yehukuru hwemhuri yako.

Kana iwe ukakundikana kuongorora nzira, haungabvumirwi kuisa Chitsauko 7. Pane kudaro, unogona kuisa Chitsauko 13.

Mukuwedzera pakupfuura kuongorora nzira, unofanirwa kugamuchira kubhadhara mari yechikwereti kubva kune imwe nzvimbo inogamuchirwa mazano ekubhadhara chikwereti. Iwe unogona kuwana svondo rakagamuchirwa mazano ekubhadhara chikwereti paIndaneti yeUnited Trustee Program.

Chitsauko 13 Bankruptcy

Pasi peChitsauko 13 , iwe unotsiva zvose kana chikamu chechikwereti chako kuburikidza nepurogiramu yekubhadhara kwemakore matatu kusvika mashanu. Kana iwe ukaita kuti iwe pachako uise pasi , iwe uchatumirawo chirongwa chekubhadharwa kumatare. Mushure mekutumira chirongwa, unofanira kutanga kutora chikwereti kumatare (uyo anobva abhadhara vatengi vako). Izvi zvinodiwa kunyange kana chirongwa chako chisina kubvumidzwa.

Mushure memavhiki mashomanana, pachava nekunzwa kubvumira hurongwa hwekubhadhara. Kunyange zvazvo chikwereti chinogona kupesana nemari yekubhadhara, mutongi ane chirevo chekupedzisira. Mushure mekunge chirongwa chako chave chichibvumirwa, iwe ucharamba uchibhadhara chikwereti. Kana ukangopedza Chitsauko 13 chirongwa chekubhadhara, chikwereti chipi zvacho chakasara chinobudiswa. Iwe hausisiri kukwanisa kubhadhara chikwereti.

Sei ndaizoisa Chitsauko 13?

Unogona kusarudza kuisa Chitsauko 13 panzvimbo peChitsauko 7 kana wakagamuchira chikwereti, semari yemari yemari, yaunoda kuramba uchiripa. Sezvo Chitsauko 7 kubhadhara kunoda kuti iwe upe zvimwe zvinhu zvinoshandiswa mumvura, Chitsauko 13 inogona kunge iri nani kana iwe uchida kuchengeta zvinhu izvi. Uyezve, kana mari yako iri pamusoro pemhuri yako yakakura mumamiriro ako ezvinhu, haugone kuisa Chitsauko 7 kubhadhara.

Maererano neUnited Bankruptcy Code , kuisa Chitsauko 13, iwe haugoni kuva ne $ 922,975 mune chikwereti chakachengetedzwa uye $ 307,675 mune chikwereti chisingaverengeki .

Kufanana neChitsauko 7 , unofanirwa kuwana chikwereti chekupa mazano kubva kune imwe nzvimbo inogamuchirwa mazano ekubhadhara mari

Kufambisa Bhizimisi Rwemunhu

Sezvo mitemo yega yekushungurudzika yakaoma zvikuru, iyo pfungwa yakanaka yekutsvaga mazano kubva kune gweta usati wanyorera kubhadhara. Iyi ndiyo nzira yakanakisisa yekuvimbisa kuti mapepa ako akaiswa zvizere uye zvakarurama.