Uyu mubvunzo wandinowana zvakawanda kubva kune vamwe vanyori vezvemitemo kupfuura ini kunyange ndinowana kubva kuvanhu. Pano pane mystique pamusoro pekugadzirisa kuti dzimwe magweta hazviwani. Ndinofunga kuti chikamu chekwenyanzvi uye chikamu chepfungwa. Ngationgororei.
Ndakaita mutemo wokuputsa kwemakore makumi maviri ekupedzisira. Kunyangwe ndisati ndaenda kuchikoro chemitemo, ndakapedza makore akawanda ndiri sachigaro wekunamatira kushanda mudare rekudarika mumusha medu uye kwemakore akawanda ndichishanda kumutemo webusiness boutique ikoko somuparidzi webhengi.
Kunyangwe mushure mechikoro chechikoro, ndakapedza gore rakaoma uye rakakomborera semunyori wemutemo kune Mutungamiri Jacques Wiener, mutongi kune USFifth Circuit Court of Appeals, iyo yandakazotevera nekunamatira kwegore kune Mutungamiri Steven Felsenthal, ndiye Mutongi Mukuru we iyo US Bankruptcy Court yeNorth District yeTexas.
Ndakaona mutemo wekucheka kwemutemo kubva kune maonero mazhinji akasiyana, uye ndakaona kuchinja kwakawanda pamusoro pemakore iwayo. Kuchinja mumitemo, kuchinja munzira yatinoita uye kutarisira matambudziko edu, uye kunyange kuchinja munzira yatinotengesa mitemo yedu. Pandakatanga, taive tichizadza kubhadhara - fomu nemafomu - neBMM Selectric pamatafura. Kamwe iyo iyo mafomu (yakabudiswa muchengeti katatu, kazhinji kuburikidza nokushandisa carbon paper inowanikwa) yakanyorwa, kuongorora uye kuiswa chisimbiso, yaifanira kuendeswa kuClerk's Office yeDare reBanruptcy Court uko vaizoputirwa mune imwe nguva yeawa (pakati peawa ye8: 30 mangwanani ne4: 00 masikati, Muvhuro kusvika Chishanu), yakaiswa mufaira refaira uye inoshandiswa nemaoko.
Basa Rinochinja Rokunyangadza Mutemo
Vatongi vakawanda vatsva vanotsvaga vachanzwisisa kuti makombiyuta uye software ye bankruptcy inotonga nzvimbo. Iye zvino tinoshandisa zvirongwa zvakanakisisa seBhangeruptcy Pro uye Best Case kuchengeta nekutevera mashoko anowanikwa kune imwe neimwe nyaya, kutarisira matope edu uye kubudisa zvinyorwa zvedu, izvo zvinoshandurwa kuva ma PDF uye zvakaiswa paIndaneti maawa 24 pazuva, mazuva manomwe pavhiki, pamwe nedare roga roga reElectronic Case Filing system.
Kune avo vemunofunga nezvekupinda muchibvumirano senzvimbo inokosha kana sekusimbisa kune dzimwe nzvimbo dzinoshandiswa, iwe unoshamisika kuti tsika yebhangi inoratidzika sei nhasi.
A Kuronga uye Kuita Mutsika
Nguva dzose ndinoudza vanhu vanobvunza kuti kubhadhara kuri chikamu chekutengesa mutemo uye chikamu chekutonga. Mutemo wekutengesa unosanganisira izvo zviitiko izvo dzimwe nguva zvinonzi "mukati" kana mahofisi ehofisi. Izvo zvinosanganisira zvakawanda zvebasa chigadzirwa chinoguma mune zvinyorwa zveimwe rudzi. Zvibvumirano, kuchengetedzwa kwebato, mutero, nzvimbo yekugadzirisa, kushamwaridzana, dzimba, inyanzvi pfuma uye basa ndedzimwe nzvimbo iyo vakawanda vanozofunga mutemo wekutengesa nokuti mareyare avo vanoita munzvimbo idzodzo vanowanzoona kuti ivo vashoma kana vachienda kumatare.
Kusiyana neizvi, gweta rinotonga mhosva rinowanzozviwana mumatare, dzimwe nguva zuva rega rega, kupopotedzana mukugadzirira dambudziko, kana kuitisa dambudziko racho pacharo. Uye, kana isiri mudare, ari kushanda pamakakatanwa anogona kuguma semhosva dzepamatare kana kuti ichagadziriswa vasati vasvika. Nokudaro, zvizhinji zvezvakaitwa nemutauriri zvinotungamirirwa nekufungidzira kuti nharo ichaguma pamberi pemutongi.
Kunyange zvazvo "hofisi" miitiro iri pamusoro apa inogona uye inosanganisira kukakavadzana kunotungamirira kumatare edzimhosva (funga kuti chii chichaita nharo, kupesana kwebvumirano, kusarurwa kwebasa, nezvimwewo) zvinoda ruzivo rwemumiririri, mamwe mabasa anonyanya kufarira kugadzirisa mamiriro ekuvhiringidza . Izvi zvaizobatanidza mutemo wemhosva, mutongi wemabhizimisi, mutemo wemhuri, kukuvadzwa kwepamweya uye kusagadzikana kwechiremba.
Imwe maitiro ekugadzirisa anowedzera mamiriro maviri enyika idzi. Kushungurudzika inhu inopesana nenzira yekuvhiringidza. Vanokweretesa, vanhu ivavo uye masangano anokonzera zvikwereti, anofunga kubvisa (kubvisa) chikwereti pane chikwereti chavari kukwereta kana kugadzirisa zvakare zvido zvechikwereti. Izvi hazvirevi kuti zvinoshanda zvakanaka nezvido zvechikwereti. Nokudaro, Congress yakagadza hurongwa hwemitemo, iyo inonzi code bankruptcy, kutonga dare uye dare kuti riitirwe.
Kunyange zvazvo kushungurudzika kwekugadziriswa kuchiita kuti ive mhosva yekuita, inonyanya kutengesa. Nzira yekushandisa kodhi yekusvitsa inoda kuti munhu ane chikwereti ape ruzivo rwakakwana rwemashoko pamusoro pemari yake, mari, kushandiswa kwemari pamakore mashomanana adarika, mari uye mari. Aya mashoko akabatanidzwa mumutsara wezvinyorwa zvinonzi mahedheni ekugadzirisa uye zvinyorwa.
Zvirongwa zvinoshandiswa mune imwe nhengo yebhengi. Nguva yakakosha yekuunganidza uye kuisa iyo ruzivo mune imwe fomu sezvinodiwa nekodzero yebhengi inowanzove yakawanda nguva iyo gweta nevashandi vake vanopedza nyaya yacho.
Nhamba ye bankruptcy yakaoma, asi kwete chaizvo iyo labyrinth yaunowana mune chero mvumo yemitero, zvisinei. Inotsanangurwa muchikamu chekuita sarudzo yacho zvakajeka sezvinobvira kuitira kuti zvizhinji zvekuita zvisarudzo zvidziviriwe uye izvo zvakasara zvinorondedzerwa. Semuenzaniso, pane mutongi aifanira kusarudza zvakasiyana kana munhu mumwe nomumwe chikwereti akabudiswa, kodhi yebhengi iripo inotaura kuti chikwereti chose chinosunungurwa kunze kwekuti chikawira mukati mediki madiki chikwereti, kana kunze kwekuti chikwereti chinoda kubhadhara.
The Initial Consultation
Zviitiko zvakawanda zvinotanga nekutanga kutarisana. Tarisira panguva yekutanga kubvunzurudza
- Itai kuti vane chikwereti vasayine mazaruriro ekutanga anodiwa neCongress.
- Bvumira muteresi kuti ataure uye kupa zvivimbiso. Izvi zvinenge makumi mashanu kubva muzana yekutanga kutaurirana. Mupepeti anowana kuvimba kwekwereti naye iye akadzikama asi ane simba. Vatengi vanoda kuziva kuti gweta anoziva zvinhu zvake. Nyanzvi dzinofanirawo kuziva kuti vanenge 50% yezvavanoudza vatengi vavo panguva iyi musangano hazvirevi. Ndinogara ndichiratidza kuti muchengeti anochengetedza pepa rekubiridzira nemashoko anokosha mune nyore nyore kuverenga mutsara wekwereti wevatengi kuti vabvise pamusangano.
- Tarisa chinangwa chekwereti, somuenzaniso, kubvisa chikwereti chisina kuchengetedzwa, kunze kweimba kubva pakutsvaira, kuchengetedza motokari kubva pakudzorera.
- Shingairira chikwereti chakakosha, mari uye mari yekutsvaga uye chengetedza nzira yekutanga yekuedzwa kuti uwane pfungwa yakaipa kana muchengeti achakwanisa kuwana Chitsauko 7 .
- Dzidza kubva kune vateereri kana zvimwe zvikwereti, sekuregererwa kwemitero kana kuomeswa kwebasa rekusimbisa, zvinogona kuita Chitsauko 13 nyaya inosarudzwa.
- Tsanangura kutsvaga kwekugadzirisa.
- Ongorora mapepa evhidhiyo ayo mutengi achashandisa kuunganidza ruzivo rwakakosha pamarongwa. Usapa muchengeti sarura risina shwende yemarongwa. Iko mafomu anotyisa zvikuru uye azere nemutemo. Kune mienzaniso mizhinji yebasa riri paWebhu. Iko guru bankruptcy software vatengesi vanozobatanidzawo mapepa ekupa mapepa mumavhodhi mavo avo. Heino muenzaniso weheti yemashizha . Heano mumwe.
- Mari dzekubhadhara uye mari yematare uye inosanganisira kukurukurirana pachena pamusoro pekuti muteresi achauya sei nemari, uye tsananguro yesungano ipi neipi yekuchengetedza.
Kushandisa Paralegals
Izwi pamusoro pevarume vemapurisa. Makambani mazhinji, kunyanya mabhuku makuru, vanoshandisa paralegals kutarisa vatengi. Kunyange zvazvo izvi zvisingasviki mutsika yakaipa, vashandi vanogona kutadza kukoshesa mari yekuchengetedza mari, kunyange iwe uchiedza kutaura kuti zvichavaponesa mari munguva refu. Vakawanda havana kumbobvira vachingana negweta rinoshanda kare. Vanoda kuziva kuti vari mumaoko akaisvonaka uye kuti ivo avo vechenney vanotarisira. Vari kukubhadhara iwe, kwete mutongi, mushure mezvose. Saka, kunyange kana iwe ukashandisa mushandi wako kuti uite kuonana kokutanga kana kubatsira kubatanidza ruzivo, ndiyo mitemo yako yemitemo kune wekwereti yako kuti ukurukure zvinhu izvi mukutanga kubvunzurudza izvo zvingave zvisingatauri mazano ezvemutemo, sekushandiswa kwekuongorora nzira, chisarudzo chechitsauko, mari uye chisarudzo chokumiririra.
Kamwe kana mutengi akabhadhara mari yacho, akapa ruzivo rwega uye zvinyorwa zvakakosha kuti ape mhosva uye zvinyorwa zvinobudiswa, zvichave zvichidikanwa kuti gweta riongorore zvinyorwa pamwe nevatengi. Cherechedza kuti handina kutaura kuti ndipe magwaro kumutengi kuti aongorore. Nzira yakanakisisa (inongoita chete mumafungiro angu) inoda kuti gweta rinogara pasi nemutengi uye rongororai peji rimwe nerimwe kuti ritsanangure zvingaitwa nemutengi apo apo mutengi anoratidza zvinyorwa pasi pechirango chekutsauka.
Kusvitsa Zvinyorwa uye Kubudiswa Kwechikwereti muBanruptcy
Bankruptcy applications, kufanana neBhangeruptcy Pro uye Best Case, hazvina kukosha pakuita basa rakanaka. Kana iyo gweta ine ruzivo rwekunyora, anogona kugadzira peji rimwe neruoko. Asi ndiani angada? Aya mapurogiramu ane mazano anogadzirisa anokwanisa kutora rumwe ruzivo rwehuwandu uye anozadza maitiro mazhinji. Izvo zvinosvika kusvika kune matanhi ekuregererwa kusingabhadharwi , mibairo yepakati, uye mari yekutora nzira . Izvo zvinewo mafomu emunharaunda, sezvakanakira Chitsauko 13. Vanoshandura mafomu akapedzwa mumapurogiramu uye kunyange kutendera kunyora zvakajeka nedare kubva pachikumbiro. Vakawanda vachavawo nezwi remushandisirwo wekugadzirisa mafomu ekuumba mafomu akaita sezvirevo, mairairo, tsamba, mabhizinesi, uye mabhuku ekuongorora.
Kudhinda Mapepa
Hapana mhanje yekupedzisira inomhanyira kumatareji kuti upinde pasi petambo zuva risati rasvika. Iye zvino, vatongi vese vanofanirwa kuisa pakombiyuta kuburikidza nedare rebhishopu re electronic case filing (ECF) system. Inowanzobatanidza kuPACER (webhusaiti yemashoko edzimhosva iyo inobvumira kuwanika kumatokisi emhosva uye mapepa ehurumende), ECF inokurumidza kushanda, yakakosha yekunyorwa kwemagwaro ose inoda kuiswa munyaya.
Court Time
Muchidimbu chitsauko 7 rakananga bankruptcy case, uyo ane chikwereti angangodaro asina kutsika nhanho mumatare edzichipupuriro kuti apupurire pamberi pomutongi we bankruptcy. Izvozvo hazvirevi kuti chikwereti hachifaniri kumbopa uchapupu. Chokutanga uye chikuru, vane chikwereti vanoisa zvirongwa zvekugadzirisa pasi pechirango chekutsauka , sezvinonyanya magwaro ayo ane chikwereti achaisa mudare. Chechipiri, dare rinopa muteresi kuChitsauko chimwe nechimwe 7 uye Chitsauko 13 nyaya (Chitsauko 11 zviitiko zvinotarisirwa zvakasiyana). Mutrasti ane mabasa akawanda, asi mumwe ndeyekuona kuti ruzivo rwakapiwa nedare rakarurama uye rwakakwana. Mutrasti ndiye achatungamirira musangano wevakwereta munyaya yacho. Kune vakawanda vane chikwereti, zvisingaiti, hapana vakwereta pamusangano. Asi inopa mutasitiri mukana wekubvunza munhu ane chikwereti pamusoro pekusawirirana kupi zvayo mumarongwa ake kana kukumbira kutsanangurwa kana mamwe mabhuku, kana achibatsira. Uchapupu ihwohwo hunopihwa pasi pemhiko uye hunova chikamu chezvinyorwa zvenyaya yacho, uye inogona kushandiswa gare gare kutsigira kana kutsiura humwe hupuperi huchapupu. Musangano wevakwereta, zvisinei, nemutemo haitomboridzwi kana kana mutongi asati apera.
Mutongi wemutero achaenda nemunhu ane chikwereti uye agere nemunhu ane chikwereti pamusangano wevakwereta, uye chaizvoizvo anofanira kuva nemunhu ane chikwereti chero ani zvake angava naye nematirastii. Kunyange zvazvo mimwe yemibvunzo iri pamusangano ichange iine tsika, mutongi anofanirwa kugadzirira muchengeti mberi kwenguva pane zvaanotarisira uye anofanira kunge akagadzirira kumubvunza munhu ane chikwereti kuti ajekese kana kupa humwe humwe ruzivo kuti ave nechokwadi chekodhi dzakakwana.
Nguva Yekumirira Kwemazuva 60
Mushure memusangano wevakwereta, mutemo unotsanangura kuti munhu ane chikwereti anofanira kumirira mazuva makumi matanhatu dare risati rabudisa kuburitsa . Izvi hazvisi, zvakadaro, nguva yekumirira. Muteresi uye vatengi vari kushandisa nguva ino kuti vaongorore mapepa emakwereti, tsvakurudza uye vasarudze kana zvimwe zviito zvichidiwa.
Mutrasti achave achifunga kana zvikwereti zvinokonzerwa nemunhu anenge aine chikwereti zvakakodzera mumhando uye kukosha. Kana ane dambudziko, anogona kukumbira mamwe mashoko kubva kumunhu ane chikwereti. Anokwanisa kukanganisa kusunungurwa kana ane dambudziko risina kugadziriswa. Anongova nemazuva makumi matatu mushure memhedziso yemusangano wevakwereta kuti vaise zvinopesana.
Kana kune imwe nzvimbo isingakwanisi kubhadharwa iyo muteresi anokwanisa kubhadhara kuitira kuti vabatsirwe, achatanga nzira yekushandira mari. Iyi nzira yakasununguka uye inogona kuramba ichienderera kwenguva refu mushure mekunge dare rinotarisa kusunungurwa.
Munhu ane chikwereti angarasikirwa nekodzero yekuregererwa kana akangoita rusununguko mudare, anoshungurudza kubhadhara kwekugadzirisa nekuisa Chitsauko 7 apo anokwanisa kubhadhara muChitsauko 13, anoramba kushanda pamwe nemutongi, anokundikana kupinda musangano wevakwereta kana zvimwe zvezvikonzero. Mutrasti achashandisa nguva ino kuti aone kana zvipo zviripo kutsigira chirevo chekuramba kusununguka kwomutengi.
Munguva yemakumi matanhatu emazuva ekumirira, vatengi vanogonawo kunge vakabatikana. Zvikwereti zvizhinji zvisingaverengeki zvinoregererwa pasina mubvunzo, nekuda kwekunatswa uye kukwana kwenhamba ye bankruptcy. Saizvozvowo, dzimwe chikwereti hazvibviri kuregererwa, sezvinoitwa mitsva yemazuva ano. Zvimwe zvikwereti zvinowira pakati. Kazhinji, vanobudiswa kunze kwekuti mukwereti kana ane chikwereti achiuyisa pamberi pedare. Semuenzaniso, zvikwereti zvevadzidzi hazviwanzobudiswi, asi munhu ane chikwereti anokwanisa kuzviisa pamberi pedare uye achikumbira kuti chikwereti chemudzidzi chiparidziridzwe. Munhu ane chikwereti anogona kuisa chiito mumatare ekudarika kuti chikwereti chizivise chisati chabudiswa. Izvi zvinogona kusanganisira kutengesa kutsvaga kwemazuva ano kana mari yekufambisa kana zvikwereti izvo uyo anotora chikwereti anotenda zvakawanikwa nekunyengera.
Kunze kwekunge kwawedzerwa, nguva yakatarwa yekuisa chiito chekuona kuregererwa kweimwe chikwereti mazuva makumi matanhatu mushure mekupedzisira kwemusangano wevatengesi, saka nguva yekupedzisira.
Kunyange zvazvo vatengesi uye mutongi ari kushingaira kuongorora nyaya yacho, gweta rekwereti anowana bhabheri, chaiko? Kwete chaizvo. Kana uyo ane chikwereti akawana pfuma, inofanirwa kuisa fomu nemarongwa ayo anonzi Statement of Intention . Mashoko iwayo anoudza dare uye anokwereta zvaanoda kuita neimba: kuzvipira, kutsigira , kana kudzikinura . Mutemo weNyanzvi inofanira kuiswa mushure memazuva makumi matatu mushure mokunge nyaya yacho yaiswa kana kuti zuva remusangano wevatengesi, chero ipi zvayo yapfuura. Nhamba yekodzero inoda kuti chiito chiitwe paChitsauko cheNzira mukati memazuva makumi mashanu emusangano wevakwereta. Kazhinji, uyo ane chikwereti achaita chero chiito chekuzvipira kana kudzikinura imba (kuripa kukosha kwayo mukugutsikana kwechikwereti). Vanhu vane chikwereti vanowanzotungamira pamusoro pekusimbiswa, vachipa fomu kumurengeti wemutoro, uyo achauongorora uye anopa mutengi wacho kuti zvive zvakanyanya kufarira muchengeti kutsigira kana kuramba achibhadhara chikwereti chakachengetedzwa. Attorney anodiwa kuti ave nechokwadi pamusoro pechiratidzo chekusimbisa kuti kubvuma hakusi "kutambudzika kusina kukodzera" kune ane chikwereti. Kana gweta rinotenda zvimwe kana kuti chero zvikonzero zvisingakwanisi kutsigira, muteresi anogona kugona kuisa fomu iyo, asi dare richagadzirisa kubvumidzwa kwekutongwa kuitira kuti dare rinogona kuzvirongedza pacharo kana kugutsikana kwakakodzera. Ona The Discharge iri pasi apa.
Kana mutasitiri achange achiunganidza nekupa zvinhu, mutrasti achakumbira dare kutumira chiziviso kune vane chikwereti kuti vanyore zvikwereti. Kazhinji, mutrasti achaongorora uye anoramba kumashoko asina kukodzera, asi Inogonawo kuva mutevedzeri wemutokari kuti aite zvakafanana. Izvo zvinobvira, kunyange zvazvo zvichibvumirwa kuti hazviwanzoiti, kuti zvikwereti zvakakwana zvinogogurwa kuti izvo zvakasara zvezvinhu-izvo zvisingakoshi kugutsa zvirevo-zvingadzoserwa kumunhu ane chikwereti.
The Discharge
Mumazuva apfuura, matare aizoda kuti vateresi vauye mudare rekutongwa dzimwe nguva nguva pfupi mushure mekunge mazuva makumi matanhatu ekumirira apera kuitira kuti vakwanise kubhadhara. Pachinzwa ichocho, mutongi aiwanzopa vanokwereta vakaungana chirevo pamusoro pe "kutanga" kwavo. Izvozvo zvaenda nenzira ye-over-the-counter nyaya yekunyora. Iye zvino, ivo chete vane chikwereti chinodiwa kuti vaonekwe mudare panguva yekubudiswa kune vamwe vane chikwereti avo vari kutsigira zvikwereti. Izvo zvinowanzova ivo vane chikwereti (kwete kumiririrwa nevanyanzvi) kana vane chikwereti avo vane mavoti avo vakaramba kuratidza kuti kugutsikana hakuiti "kutambudzika kusina kukodzera" kune ane chikwereti. Kunyange zvazvo zvisinganyatsodikanwi kuti gweta rivepo pakunzwa pamusoro pekusimbiswa, vamwe vachadaro. Zvinosuruvarisa, izvi zvinogona kuisa gweta kuti ave mukana wekukakavadzana neavo vane chikwereti, kunyanya kana mutongi achikumbira gweta kuti atsanangure kuti nei akaramba kana kuti aisakwanisa kusimbisa "kusagadzirisa matambudziko."