Haisi makambani makuru makuru anotengesa Chitsauko 11 zviitiko.
Makambani maduku uye kunyange vamwe vanhu mafaira, zvakare. Kunyange zvazvo zvisiri zvishoma zvinowanzoiswa pachena kana zvichienzaniswa neZvitsauko 7 ne13 , Chitsauko 11 chichiri kure zvakanyanya pane zvinyorwa zvisinganyanyozivikanwi zvakadai seChitsauko 9 , chinoshandiswa nemataundi kuti agadzirise zvakare chikwereti chavo.
Ndiani Anokodzera Kuisa Chitsauko 11?
Bhizimusi chero ripi zvaro kana munhu wega anogona kutumira kuChitsauko 11 kubhadhara kuchengetedza. Mabhizimusi anosanganisira chero chinhu chinobva kune hupfumi chete kune imwe nyika yehurumende. Iko kukanganisa kwakaiswa nekambani dzeMutungamiri Trump chaiva chitsauko 11. (Donald Trump haana kumbobvira aisa pfumi.)
Nemhaka yekuti inowanzozivikanwa nehuruzhinji senzvimbo yekambani dzakakura seBorders Books , vanowanzoshamisika kuti vanhu vanogona kushandisa Chitsauko 11, zvakare.
Chitsauko 11 chinowanzoshandiswa nevanhu kana zvikwereti zvavo zvichipfuura mhedzisiro inotenderwa kuChitsauko 13 , kunyanya: $ 394,725 mune chikwereti chisina kuchengetedzwa uye $ 1,184,200 mune chikwereti chakachengetedzwa kubva musi waApril 1, 2016.
(Iyi nhamba ichadzokorora zvakare musi waApril 1, 2019.)
Mutengesi-mu-Possession
Pamusoro pekunyorwa kweChitsauko 11 kubhadhara chikwereti, munhu ane chikwereti, anga ari bhizimisi kana munhu mumwechete, anova ane chikwereti uye ane chikwereti-mu-. Izwi rine chikwereti-mu-chinoreva rinoreva kuti Chitsauko 11 chikwereti chinoramba chiine pfuma uye chinoramba chichinyanya kufambisa.
Munhu ane chikwereti-mu-ane ruzhinji rwekodzero uye mabasa edzimatirasi we bankruptcy . Izvo chete izvo zvisingawanikwi ndiyo kodzero yekubhadhara. Anokweretesa-mu-anokwanisa kukwanisa kutonga mhosva kuti arege kuendesa mari kune vanobhadhara chikwereti, kuwana zvikwereti kune ane chikwereti, uye kugamuchira kana kuramba zvibvumirano. Mazhinji emasimba aya anofanira kushandiswa nemvumo yedare. Munhu wose ane chikwereti kana dare, ari oga, anogona kutsvaga kusarudzwa kwemutongi webhengi kuti aite kuti munhu anenge aine chikwereti ari muimba kana achidavira kuti ndiyo inonyanya kufarira bhabankruptcy uye vatengesi, zvakadai sokuti munhu ane chikwereti-mu -kufungidzira kusakanganise zvinhu zvayo.
Nzira
Mushure mekunge nyaya yacho yaiswa, sarudzo uye mamwe magwaro akaiswa, uye musangano wevakweretesi wakabatwa, uyo ane chikwereti-mu-inotanga inotanga kugadzira chirongwa chinoshamisa chekugadzirisa zvakare chinogamuchirwa kune vane chikwereti uye mudare.
1. Kuzivisa Chirevo
Nhanho yekutanga muChitsauko 11 kupedzisira kugadziriswa kwekugadzirisa nekunyora uye kugamuchirwa kweshoko rekuzivisa. Chirevo chekuzarura inyaya inotsanangura chimiro chemunhu ane chikwereti uye kuti inoita sei bhizinesi rayo. Dare rekuzarura rinofanira kupa ruzivo rwakakwana kune vane chikwereti kuti vaone kana kugadziridza zvakare kuchibvira.
Dare rinofanira kubvumirana neshoko rekuzivisa pachena mberi kwechiito chinotevera muChitsauko 11, iyo inotora muChirongwa.
2. Chivimbiso
Danho rinotevera nderekusimbisa. Munhu ane chikwereti achapa urongwa hwekugadzirisa zvakare kune vane chikwereti. Vanokweretwa vakakamurwa kuva makirasi maererano nemhando yekwereti. Vanokweretera vobva vota purogiramu. Kuti urongwa huve hunosimbiswa, mutongi anofanira kuubvuma, uye boka rose risina simba revakwereti rinofanira kuigamuchira. Vadzidzi vasina simba ndivo boka revakwereta izvo vachawana zvishoma kudarika zvavanokweretesa (kazhinji zvikwereti vakawanda havakwanisi). Pane zvakasiyana kune mutemo uyu unobvumira kuvimbiswa pasi pekutora kunonzi "cramdown."
3. Post-Confirmation
Kazhinji zvirongwa zvinopa kugadziriswa kwemugadziri weurongwa, mumwe wechitatu anoita chirongwa.
Somuenzaniso, chirongwa chinogona kupa mari yekubhadhara $ 50,000 pamwedzi kune vatengi. Izvo chirongwa chekugadzirisa chinogona kutarisana nekugadzirisa kwekubhadhara. Chirongwa chacho chinogona kupawo kuti munhu kana bhizinesi achashanda sei kuti awane mari kune vane chikwereti munguva yezvirongwa, sezvo chirongwa chinogona kutsungirira kwemakore akawanda.
Kubuda
Chirongwa chekugadzirisa zvakare chichagadzirisa apo uyo ane chikwereti anogamuchira kubhadhara chikwereti. Kubudiswa kunowanzoitika pahuwandu hwekugadzirisa kweurongwa, hwakadai sehuwandu hwekubhadhara kune vane chikwereti hunoitwa.
Mutengo
Zvichida zvipingamupinyi zvikurusa uye zvekare kupfuura zvose muChitsauko 11 kuparara ndiko mari. Kubva muna 2006, mari yekubhadhara Chitsauko 11 nyaya ndeye $ 1,167 (saSeptember 2016), yakakura kudarika Chitsauko 7 mari. Chitsauko 11 vane chikwereti vanobhadharawo mari yehutungamiri yemutungamiri weUnited States kuti abvise mari yekubatanidzwa kweTrasti yeUnited States munyaya iyi. Uyezve, Chitsauko 11 chinonyanya kuoma, chinoda kuchengetwa kwevanosangana nehupfumi. Izvi zvinokonzera kudengenyeka kwenyika kudhura kweChitsauko 11. Zvakare, Chitsauko 11 mhosho inogona kuva nekakavhiringidza uye inosanganisira vatengi vanobhadhara zvikwereti, izvo zvinowedzera kuwedzera kwechikwata chacho.
Yakarongwa naCarron Nicks May 2017.