Mukuenzanisa neChitsauko 11 , Chitsauko 12 hachina mari uye hachina kuoma.
Ndiani Anofananidzira Chitsauko 12?
Mumwe munhu kana vakaroora vane chirongwa chekurima kana kuti chekutengeserana vanogona kuisa muChitsauko 12. Mitengo yakakosha yeChitsauko 12 yakakwirira kupfuura Chitsauko 13 . Kunyanya, chikwereti chose hachifaniri kudarika y $ 4,031,575 kune murimi uye $ 1,868,200 kune vabati vehove. (Iyi ndiyo miganhu yemakwereti muna 2017. Iyi miganhu ingangowedzera muna 2019). Kune mhomwe yemhuri, zvikamu makumi mashanu kubva muzana zvezvikwereti zvavo zvinofanira kubva pakushanda kwekurima. Saizvozvowo, nemudzidzisi wemhuri, 80 muzana yematokari inofanira kunge ichibva kubasa rokubata hove. Pakupedzisira, inopfuura 50% yemari yakawanda yemunhu mumwechete kana kuti vakaroorana vanofanira kubuda kubva mukurima kana kubata hove kwegore risati rapera.
Sangano kana kubatana kunogonawo kukodzera semurimi wemhuri kana mubati wehove mune imwe mamiriro ezvinhu.
Kugadzirira uye Kudhinda
Kufanana nedzimwe zvitsauko zvebhengi, munhu anoda kuisa Chitsauko 12 anofanira kuunganidza zvose zvehupfumi hwavo kuitira kuti azadze uye apedzise Kuzvipira Kwekuzvidira, Shedules , uye Statement yeMari, pane mamwe magwaro.
Aya mabhuku anofanira kutumirwa nemabharaki wedare rekudarika kuitira kuti atange Chitsauko 12.
Automatic Stay
Nokunyora Chitsauko 12, nyaya yekugara yakashandura inoenda kushanda, kufanana nezvimwe zvose zvikwereti. Izvo zvinowanzogara zvinorambidza vanokwereta kubva pakutora zvimwe zviito zvekuunganidza pasina mvumo yedare rekudarika.
Mukuwedzera pakudzivirira munhu ane chikwereti, zvinongoramba zviripo muChitsauko 12 nyaya inodzivirirawo ani zvake ane mhosva kune chero ipi zvayo yeChitsauko 12 chikwereti chemari yavatengi (iyo madhora anoitirwa munhu oga, mhuri kana mhuri pane zvinangwa zvemabhizimisi zvinobatanidzwa nekurima kana kubata hove.) Somuenzaniso, kana John, murimhuri wemhuri, akaisa zvinyorwa zveChitsauko 12, iye anodzivirirwa nekuzvinyima kugara. Ane kadhi rechikwereti, apo hama yake inotarisirwawo, pasi peChitsauko 12, munun'una wake aizodzivirirwa nekutsvaga kurambira kune chikwereti ichocho kunyange zvazvo munun'una waJohn asina kuisa bankruptcy pachake. Chirongwa chakafanana chinowanikwawo muChitsauko 13. Izvi zvinowanzoti "co-chikwereti".
Musangano weVatengi
Chitsauko 12 mutongi achaita musangano wevakwereta mushure mekunyorwa kwechikumbiro chekudarika, zvakafanana nezvimwe zvitsauko zvebhengi. Panguva yemusangano, mutongi uye vatengi vanogona kukubvunza mibvunzo pamusoro pekukumbira kwako uye nyaya dzezvemari.
Chitsauko 12 Ronga
Kufanana neChitsauko 13, munhu ane chikwereti anofanira kutaurira Chitsauko 12 chirongwa chinobhadhara chikwereti chake kwemakore matatu kusvika mashanu. Chirongwa ichi chinofanira kubhadhara chikwereti mukati mezvinodiwa nemitemo yebhangi.
Mutongi webhengi anofanirawo "kusimbisa" chirongwa. Mushure mekusimbiswa, Chitsauko 12 chikwereti chinofanira kugara ichibhadhara kumutongi, uyo achazobhadhara kune vane chikwereti.
Kubuda
Chitsauko 12 chikwereti hachigamuchiri kusununguka kusvikira zvose zvaanoronga zvigadzirwa. Zvisinei, kune imwe nzvimbo inonzi "dambudziko rekuyerera," iyo inobvumira kusununguka pasinei nokuti isina kuita mapuranga ose. Izvi zvinobvumirwa kana munhu ane chikwereti achigona kuratidza kuti iye akakundikana kuita zvose zvirongwa zvekubhadhara nekuda kwechimwe chezvivi chavo uye chinokonzera chakanga chisipo mukati mekutonga kwake. Muenzaniso unogona kuva chirwere chakanyanya.
Chitsauko 12 chinoshamisa zvakaenzana neChitsauko 13 mune zvakawanda, zvakadai sokuti zvinoda kurongerwa kweurongwa uye kubhadhara kwemakore matatu kusvika mashanu. Zvisinei, Chitsauko 12 chinotarisirwa kune vabati vehove uye varimi, uye nenzira iyo hurumende yakadzokera kune mamiriro avo akaenzana uye akaoma emari.
KUVIMBISA KWEMUTEMO
Ichi chinyorwa ndechekuziva nezvezvinangwa chete uye kwete nekuda kwekupa mazano emutemo. Iwe unofanirwa kubata gweta rako kuti uwane mazano nekuremekedza chero dambudziko rakasiyana kana dambudziko. Kushandisa nekusvika kwenyaya ino haisi kusimbisa ukama-mutengesi wevatengesi pakati pemunyori wenyaya ino nemushandisi kana shanduro.
Yakasunungurwa naJanuary 2017 naCarron Nicks.