Unoda here kusimbisa dzimwe mhando dzechikwereti chekare?
Ndechipi chikwereti chakachengetedzwa uye chikwereti chisina kuchengeteka?
Kana chinangwa chako chirikudzima chikwereti chako, zvichida uri kushamisika kuti sei iwe uchida kuedza kuchengeta chero chei chausingafaniri.
Rine chokuita nemhando yekwereti yatinenge tichitaura. Zvakawanda zvechikwereti chaunenge uchisanganisira mubhengi re bankruptcy hachina kuchengeteka. Izvozvo zvinoreva kuti haina chibvumirano icho munhu ane chikwereti angashandisa kubhadhara chikwereti kana iwe usingakwanisi kana kuti usingakwanisi kubhadhara. Chikwereti chisina kuchengeteka chinosanganisira chikwereti chekwereti, mabhizimisi ezvemishonga, uye zvizhinji zvechikwereti chikwereti.
Paunoisa dhaka, tinoshevedza kuti chikwereti chakachengetedzwa. Chikwereti chakachengetedzeka zvirokwazvo chinoumbwa nezvibvumirano zviviri zvakasiyana. Imwe ndiyo tsamba yekuvimbisa kana vimbiso yekubhadhara. Icho ndicho chibvumirano chekuchengetedza, umo iwe unobvumirana kuti mukwereti anogona kutora chikwereti kuti agutse chikwereti kana zvichidiwa. Chikwereti chakachengeteka chinosanganisira musha wemari, zvikwereti zvemotokari, zvikwereti zveboti uye zvimwe zvikwereti zveimwe pfuma.
Chitsauko 7 nyaya inogona kubhadhara chikwangwani chechivimbiso pane chikwereti chakachengetwa asi hachina maturo pachibvumirano chekuchengetedza. Nokudaro, iwe unogona kubva kunze kwekugadzirisa pasina chikwereti chako pamutokwereta wemotokari, asi uyo ane chikwereti acharamba ane kodzero mumotokari uye anogona kuzvidzorera mushure mokunge nyaya yacho yapfuura.
A Kusimbiswa Chibvumirano Chingachengetedza Zvaunosangana nazvo
Chibvumirano chekusimbisa chibvumirano chekuti iwe unasaina nemunhu ane chikwereti chakachengetwa icho chinotora chikwereti kunze kwekunamatira zvachose. Iwe unoramba uchikweretesa chikwereti, asi iwe unowana kuchengetedza chibvumirano chero bedzi iwe uchichengeta mazwi echitsetse uye hauna kutenderera pazviri.
Basics of the Reaffirmation Agreement
Nemhaka yokuti kubhadhara mari inosunungura mhaka yako yega yezvikwereti zvako zvakawanda, iyo kontrakiti yapfuura iwe yakasayina kuti chikwereti chemotokari inopedzwa. Kana ukasarudza kusaina chibvumirano chekusimbisa, iwe uri kubvuma kutora chikwereti chakare chekare icho chingave chakatsvairwa kunze kwekudarika. Chibvumirano chinowanzova chimiro kubva kumatare ekudarika , ayo uyo anenge achikweretesa achazadza zvizere nemashoko akadai sechirongwa chechirwere chitsva, chikero, nekubhadhara ruzivo .
Heino chibvumirano chepamusoro pepahizha pepa pepa rekusimbisa fomu.
Iwe kana iwe wekuchechechedza iwe gweta uchazofanirawo kuzadza zvikamu zvakati zvitanhatu muchibvumirano chekuratidza dare rekubhadhara iwe unogona kukwanisa kubhadhara. Saka, kana purogiramu yako yebhangi inoratidza kuti une mari yakaipa pamwedzi, inenge iine zvakaoma kuratidza kuti unokwanisa sei kubhadhara (kunze kwekuti iwe uwane rubatsiro kubva kune shamwari kana mumhuri). Ichokwadi, gweta rako richakumbirwa kuratidza kuti zvikwereti hazvigoni kukukonzera "dambudziko risingakoshi".
Sei Unoda Kusimbisa?
Sezvakakurukurwa pamusoro apa, munhu akatora chikwereti anogona kutorazve pfuma yako (mumuenzaniso wedu, motokari yako) mushure mekunge iwe uchinge wabhadhara mari yako kana iwe usingadzokerizve chikwereti.
Dzimwe nguva, munhu ane chikwereti anokwanisa kutumira chirevo paunenge uine chikwereti chinonzi Motion kuti Simudza Motion kuti Simudza Automatic Stay kuti bhora rifambe nokukurumidza, kunyange zvazvo tichiona izvozvi zvinyorwa kakawanda muChitsauko 13 matambudziko kana iwe ukarega kubhadhara motokari kana imba iwe uri kuedza kuchengetedza.
Iwe Unogona Kuda Bankruptcy Court Kubvumirwa
Kunyangwe mushure mekunge usayina chibvumirano chekusimbisa uye uchitumirazve kumunhu anenge achikweretesa, mutengi anoda kuisa iyo nedare rebhengi musati wasvika. Kazhinji, chibvumirano chekusimbisa hachizogadziriswa kutongwa pamberi pemutongi webhengi. Iko kusimbisa kuchagadzirirwa kunzwa mune mamwe mamiriro ezvinhu:
- Iwe uri kutumira nyaya pro se (iwe hauna kumiririrwa nemweya).
- Mupepeti wako haazvivimbise kuti kubhadhara hakuzoiti kuti u "dambudziko risina kukodzera".
- Kunyange zvazvo gweta rako rakanyatsosimbisa kugadziriswa, ruzivo rwemari uye mari yawakapa muheteti yako yekudarika kana kuti fomu rekusimbisa haitsigire mari yakakwana inogadziriswa kuitira kuti kugadziriswa kuripo.
Pachinzwa, mutongi webhengi achakubvunza mibvunzo kuti uone kana iwe unonyatsoda chibvumirano uye kana iwe unogona kutenga mari.
Chibvumirano hachina kubudirira kana dare risingabvumirwi. Kazhinji, vatongi vangasabvumirana nechibvumirano kana uyo anokweretesa asina kukupa muchero wekuderera, kuderedzwa kwepabonde, kana chimwe chibvumirano. Kana mutongi asingabvumirano chibvumirano, chibvumirano chacho hachina maturo uye iwe unogonawo kubvarura! Zvisinei, kana mutongi achibvumira chibvumirano chacho, chibvumirano ndicho chibvumirano chako chitsva nemutengi.
Kudzikinura Mutengo
Imwe nzira ndeyekudzikinura chikwereti chekukosha kwayo. Iko kunopera kwekuregererwa ndeyekuti iwe kazhinji unofanirwa kubhadhara chikwereti chikwereti chemari. Ichi ndicho chiyero chaunokwanisa kutaurirana nemunhu ane chikwereti. Iwe unogona kushandisa yako pfuma, mumwe munhu angakweretesa kana kukupa mari, kana iwe unogona kukwereta mari kubva kubhangi rako. Mamwe makambani anotoshandisa pakubhadhara mari yekudzikinura.
Verenga zvakawanda nezvekuregererwa paNzira Yokudzikinura Motokari Yako muChitsauko 7 Bankruptcy .
Yakarongwa naMay 2017 naCarron Nicks