Zvirongwa uye Musangano weVatengi
Iyo firimu mune chikwereti che bankruptcy (iyo chikwereti) inofanira kupa ruzivo rwakanyanya kumatare, mutongi anogadzwa nematare uye vane chikwereti munyaya yacho.
Mune purogiramu uye zvinyorwa , munhu ane chikwereti anotsanangura zvikwereti, mari, mari, mari uye tsanangudzo yemari yekutengesa, kunyanya iyo yakaitika mukati memakore maviri nyaya yacho isati yaiswa, uye mune dzimwe nguva, ruzivo rwekutengesa kwekare semakore matanhatu. Zvose izvi zveruzivo zvinogona kuva nekutaura pamusoro penzira yenyaya yacho.
Mukuwedzera kune purogiramu, munhu wese kana chimwe chikamu chinosungiridza chikwereti chekugadzirisa chinotarisirwa nomutemo kuenda kune imwe yekutamba inonzi musangano wevakwereta , inonziwo musangano weChikamu 341. Zvinoshamisa, vashomanana vatokwereti vakamboonekwa pamusangano wevatengi. Pane kudaro, Chitsauko 7 kana Chitsauko 13 mutevedzeri anoshandisa nguva iyoyo kutora uchapupu hweakwereta kana mumiriri wemunhu ane chikwereti munyaya yekusungirirana kwekambani. Kuti uwane mamwe mashoko pamusoro pezvinoitika pamusangano wevatengi, ona:
Chitsauko 7: Chii Chinoitika Pamusangano Wevatengi
Chitsauko 13: Chii Chinoitika Pamusangano Wevatengi
Muchizhinji chezviitiko, kumubvunzurudza pamusangano wevakwereta kwakapfupika, kusvika pane iyo uye hakuiti mhinduro dzisiri dzisiri. Icho chinongoita zvishoma kudarika chengetedza ruzivo ruri mumapepa emutoro akaiswa nedare. Mimwe misangano yakawanda uye inogona kutora maawa akawanda ehupupuriro, kunyanya avo ehurukuro huru yeChitsauko 11zve kugadzirisa zviitiko.
Dzimwe nguva zvingave zvakadikanwa kurambidza musangano kune rimwe zuva rehumwe hupupuriro kana kupa mharidzo. Pakupedzisira, zvakadaro, musangano wevakwereta uchapedzwa.
Rule 2004 Exam
Sezvakazara sehurongwa, zvinyorwa uye musangano wevakwereta, dzimwe nguva havangotori zvigadziro zvose zvehutapi kana muteresi angave achida pakusarudza nzira yekuita. Ichokwadi, uyo ane chikwereti anosungirwa kushanda pamwe nemutongi uye vatengi mumhosva yacho yose. Dzimwe nguva kubvunzurudzwa kwakawedzerwa hakusi kwemajeri, sekunge hofisi yehutrusiti inokumbira gweta rekukwereta kuti akumbire kopi dzechiito kana mutero wokudzoka. Asi dzimwe nguva, bato rekubvunza rinoda chimwe chinhu chakasununguka. Ndiyo apo Bankruptcy Rule 2004 inopinda.
Mutemo 2004 inopa chirongwa chekuongorora chero ani zvake angave ane ruzivo rwechimwe chinhu chinosangana nemari yemutengi, pfuma, zvirongwa, chirongwa chekugadzirisa zvakare kana kukwanisa kubhadhara chikwereti. Nemhaka yehuwandu hwayo, ruzivo rweRule 2004 runowanzofambisa kushambadzira risina vavariro chaiyo mupfungwa kune imwe kunze kwekukwira kune akakwereta kana kuzarura uchapupu hwekushungurudzwa kana kusasarudzwa kwemari. Nokuda kwechikonzero ichocho, kunyange kutumira chirevo nedare rinokumbira kuongorora kwegore ra2004 kunogona kukonzera kurwisana uye kunyange mini-kuongororwa nedare kuti ione kukosha kwemashoko anotsvaga.
Ndiani angakumbirwa kuongorora Rule 2004?
Mutemo 2004 unoti: "Pakufamba kwechikamu chero chipi zvacho muchifarira, dare rinogona kurongedza kuongorora chero sangano."
Icho ndicho chirevo chikuru. Chero chero chikamu chiri mukufarira - chero ani zvake ane chido chakanaka munyaya yacho - anogona kutumira chikumbiro achikumbira dare kuti ironge chero sangano kuti riise pasi pekuongorora. Mapoka ari muzvikwereti anosanganisira akakweretesa, vakaroorana, vatengi vemunhu ane chikwereti, vene, vashandi uye vashandi, chero ani zvake kana chimwe chikamu chinoparidzirwa zvakananga nekodzero ye bankruptcy.
Ndiani anokwanisa kuongororwa munyaya yeRule 2004?
Saizvozvowo, dare rinogona kuraira kuongorora chero sangano rine ruzivo pamusoro peimba yemunhu ane chikwereti kana mari.
Pakarepo unogona kutaurira kuti Mutemo 2004 unosvika mberi kupfuura musangano wevakwereta nekuti unoshanda kumunhu chero upi zvake angave ane ruzivo rwakanakira nyaya yacho.
Kuongorora kunogona kusanganisira kuongorora mabhizimisi emabhangi, vashandi, mahofisi kana vatungamiri vemunhu ane chikwereti, vashandi, vakaroorana uye vakaroorana, vagari venyika, masayendisiti, mabhengi, vanobhadhara, vatengesi, kunyange hama dzechikwereti.
Uyezve, dare rine simba rokutaura munhu kuti aongororwe uye kurayira kuti munhu aunze zvinyorwa zvakakodzera. Kungofanana nekuenderera mberi mudare kana kubhadhara, kuongororwa kunoitwa pasi pesungo uye kuitwa pamberi pekutevera mutongi. Mashoko akawanikwa panguva yekuongororwa anogona kushandiswa mumatare munguva pfupi sokutora kwaaigona.
Ndezvipi zvakawandisa kuwanda kwekuongorora kweRule 2004?
Chiyero cheRule 2004 chinenge chakazara sehurongwa rwevanhu vanogona kudanwa. Maererano neRule 2004 (b), mubvunzo
inogona kureva chete kune zviito, mufambiro, kana pfuma kana kune zvikwereti uye mari yemari yemunhu ane chikwereti, kana kune chero nyaya ipi zvingakanganisa kutungamirirwa kwemunhu ane chikwereti, kana kune kodzero yemunhu ane chikwereti kuti aende.
Kunyange zvazvo mutemo unotarisa kugadzirisa mibvunzo, nyaya yeRule rekuongorora 2004 inogona kubata chero chinhu chipi zvacho chinokanganisa mari yemutengi kana pfuma, yapfuura uye yemazuva ano.
Vanokweretesa vangashandisa Rule 2004 kuongorora kutsvaga ruzivo rwezvinhu zvisina kunyorwa kana kuti huchapupu hunotsigira mushori anotenderera kuti aone kuti chikwereti hachigoni kuregererwa .
Munyaya iyo bhizinesi ringave richienderera mberi pasi peChitsauko 11, Chitsauko 12 kana Chitsauko 13, kubvunzurudza kunogonawo kurondedzera
kushanda kwebhizimisi chero ipi zvayo uye kudiwa kwekuenderera mberi kwayo, iyo inopa mari chero ipi zvayo kana pfuma inowanikwa kana kuti inowanikwa nemunhu ane chikwereti kuitira chinangwa chokupedza chirongwa uye kubvunzwa kwakapiwa kana kupiwa ikoko, uye chero imwe nyaya iyo inobata nyaya yacho kana kusvika pakuumbwa kwerongwa.
Muzvokwadi, kana mubvunzo wacho aigona kugadzira mubvunzo une zvimwe zvingave zvichienderana nezvakaitika kare kana zvemari yemari yakapfuura kana ino yemari kana zvirongwa zvevateresi yenguva yemberi, yakakodzera mutambo muRule rekuongorora 2004.
Mutemo wekuongorora 2004 unowanzoshandiswa kupikisa vane chikwereti pamusoro pekuparara kwebhuku, zvinyorwa uye zvinhu. Bankruptcy Chikamu 727 inopa kuti ane chikwereti anopiwa kuburitswa kunze kwekuti mamwe maitiro akaitwa kana kuti akasiyiwa. Kana munhu ane chikwereti akavanza zvinhu, akavanza kana akaparadza mabhuku uye zvinyorwa, akaita mhiko dzenhema, kana akakundikana kutsanangura zvinogutsa kurasikirwa kwezvinyorwa kana zvinhu, muteresi anokwanisa kurambwa kusunungurwa.
Yakarongwa naCarron Nicks February 2018.