Dambudziko rekushaya zvinhu muChitsauko 7

Kana, chii chinoitika kumucheka wangu kana ndikachirasikirwa (chaizvoizvo)?

Paunoshandisa kubhadhara, unofanirwa kunyora zvose zvaunazvo. Zvose zveimba iyo inova chikamu che "bankruptcy estate" kana iwe ukaisa chikwereti chekudarika. Iwe unobvumirwa kuchengeta mamwe marudzi ehupfumi kuitira kuti uve nechimwe chinhu chingaisa "kutanga kutanga" mushure mokunge kubhadhara kwapera. Nzvimbo yaunobvumirwa kuchengeta inonzi "kurega" pfuma, kana kuregererwa . Iwe unogona kudzidza zvakawanda nezvekuregererwa pano: Bankruptcy Exemptions .

Mienzaniso yeAnaxempt Assets?

Izvo zvinhu hazvina kuwira mukati memhando ipi zvayo. Izvo, zvinyorwa zvinyorwa, zvinotenderedzwa kuChitsauko 7 cheTrasti yekudzima - yakashandurwa ikava mari kuti igoverwe kune chikwereti.

Muzvokwadi, kunyange zvakadaro, haasi yose isinaxempt assets inobatsira kumatirastii. Zvimwe zvezvinhu izvi zvakanyanya kuoma kutengesa, kana kuti zvinodhura zvakawanda kuti zvichengetedze kusvikira zvichitengesa, kana zvisingakoshi zvakakwana.

Nhaka yacho inodhura zvikuru kuti igare.

Tora somuenzaniso, mutezo weBhete wezvinyorwa zvisingawanzoitiki zvehondo. Anofunga kuti vanokwana $ 20,000, asi inodhura $ 5,000 pamwedzi kuti avachengetedze munzvimbo dzakachengetedzwa dzakachengetedzwa nemamiriro ekunze. Hongu, mutrasti angaita $ 15,000 pakutengeswa, kana akaita zvakakurumidza, asi izvozvo hazvigone kuitika. Kutengeswa kwega kwega mune dare rekudarika kunofanira kubvumidzwa nedare rekusimbisa mushure mekunge mapato ose ave nemukana wekuramba kana kuuya neurongwa hwakasiyana (zvose muzita rekuwana dhora rinopfuura.) Saka, mutrasti anotarisa nzira izvo zvingatora mwedzi miviri kana mitatu kuti iite.

Panguva ino, mari yekuchengetedza mararamiro inotakurwa ne bankruptcy estate.

Nhaka yacho inotora nguva yakareba kuti inotengesa.

Marnie anodzosera vintage goroti carts kuti agadzikane mamiriro ezvinhu ipapo anovatengesa pa eBay. Anowanzoita purogiramu yakanaka, asi vanotora mwedzi mitanhatu kana kupfuura kuti vawane mutengi. Ane zvinawo paanoshandisa Chitsauko 7.

Mutrasti haadi kutarisira mwedzi mitanhatu kuti vatengi vazviratidze, kunyanya vachifunga kuti angangotengesa makotoro egorofu nekuda kwekutengesa mutengo.

Nhaka yacho yaizova yakaoma kutengesa.

Zvichida mari yacho inonyanya kudikanwa kune ane chikwereti. Funga Joe. Joe anoita mari yake yose kubva pazvinyorwa zvakasununguka uye anowana zvizhinji zvebhizimisi rake kuburikidza newebsite yepaiti www.joethefreelancewriter.com. (Hungu, webhusaiti yacho inobatsira yebhizimisi uye inofanira kuverengwa sechinhu chaJoe's property). Iwe webhusaiti yakamira yakakwirira mumitsva yekutsvaga injini uye inowana Joe yakawanda yebhizimisi. Iine zvakawanda zvakakosha kuna Joe. Zvingave zvakakosha here kumutongi anoedza kuitengesa, kunyanya kana iwe uchifunga kuti bhizimisi pachako rinoda maitiro aJoe kuti zvinhu zviitike?

Iko yea assets inokosha yakanyanya kuduku.

Don haana chero zvinhu zvakashata, asi ave achidzorera Corvette yake yakareruka, ikozvino pamatombo. Anofunga kuti zvakakosha zve $ 2,000. Kunyange zvazvo isingabhadharwi, mutongi haafaniri kuibata. Sei? Nokuti hazvizogadziri zvakakwana mari. Kutaura zvazviri, kambani yebhangi ye $ 2,000 haikwanise kutora chikwereti chikuru kubva kumatirastii. Mutrasti anobhadharwa komisheni inobva pane izvo zvinopfuura nepanzvimbo yekudarika iye akagadzwa kuti atungamirire.

Somuenzaniso, pa $ 5,000 yekutanga, anongotora 25% chete. Kana iye akatengesa Corvette kwe $ 2 000 aigona kuita $ 500, asi mari yekutengeswa, ngatiti $ 200, yaizobva kune $ 1,500 yakasara. Icho chinosiya $ 1,300 nokuda kwevakwereta. Zvadaro, aifanira kukumbira zvikwereti kubva kune vane chikwereti, uye zvichida kunyange kutonga zvimwe zvezvakataurwa kudai akazviona zvichishaikwa. Zvose zve $ 500. Muzviitiko zvangu, mutrasti aifanira kuve nekodzero yekutengesa zvinhu zvinenge madhora 5 000 asati asangana navo.

Chengeta mabasa eatrasti Ndivanaani vaBanruptrupt Trustee?

Saka Chii Chinoitika Kumhuri Iyo Yose?

Mafisiti epaziso anocherechedza nedare rekudarika raanenge achida kuregera - kureva kuti nzvimbo yacho inodzorerazve kumunhu ane chikwereti.

Asi chii chinoitika kana mutasitiri achida kubvisa zvinhu zvinowanikwa nemunhu ane chikwereti, chaizvoizvo achida kuchengeta?

Zviri nyore, anogona kuzvitenga kubva kumatirastii. Tarisa chinyorwa ichi: Ndinofanirwa kuisa bhadhaki asi ini handigoni kurasikirwa neni. . .

Saka, munhu wese anofunga kuti vacharasikirwa nemashizha kana vakasiya bhadha. Asi, kwete. Mikana haungarasikirwi shati yako - chaizvoizvo. Pasi pemagetsi ose anofungidzirwa, nyika kana federal, zvipfeko hazvibvumirwi. Kunze kwekuti, chokwadi, uri kutaura pamusoro penguvo dzomoto uye diamond yakaiswa pasi kubva kuVictoria's Secret.

Iwe unogona kudzidza zvakawanda nezvevamiririri uye mari yakawanda yavanoita nekushanyira webhusaiti yeNational Association of Bankruptcy Trustees.