Munyika dzakawanda, vagari vemakwereti vanofanira kushandisa mvumo iyo inotsanangurwa nemitemo yavo yenyika, kunyange zvazvo kubhadhara kunotungamirirwa nemutemo wehurumende. Mune dzimwe nyika, vane chikwereti vanogona kusarudza pakati pekuregererwa kwehurumende yavo uye rumwe rutivi rwekuregererwa kunowanikwa mumutemo wezvematongerwo enyika unotonga kubhadhara, inozivikanwa seBhangeruptcy Code. Izwi rinogona kusarudza rinosanganisira Alaska, Arkansas, Connecticut, District of Columbia, Hawaii, Massachusetts, Michigan, Minnesota, New Hampshire, New Jersey, New Mexico, Pennsylvania, Rhode Island, Texas, Vermont, Washington neWisconsin.
Kana iwe uchigara mune imwe nyika isati yakanyorwa pano, unofanira kushandisa sarudzo dzehurumende. Iwe unogona kudzidza zvakawanda pamusoro pekuregererwa kwehurumende yako nekodzero yewebhuku rakanaka rewebsite rakaiswa pamwe neNolo.com: Bankruptcy Exemptions By State.
Federal Bankruptcy Exemptions
Heino runyorwa rwekuregererwa kwehurumende sezvavanoshandisa kune munhu mumwe nomumwe kuisa.
Kana vaviri vakaroorana vafaira, zviyero izvi zvinogona kupetwa kaviri . Iko kuwandisa kwemasangano ehurumende kunoshandura makore ose matatu, uye ichagadziriswa zvakare muna 2019.
Imba Inosunungura : $ 23,675 muhutano.
Iwe unogona kuchengetedza kuenzana mumba mako, asi kwete mumunda wekutsvaga kana imba yechipiri.
Iwe unogona kushandisa iyi mukana kune imwe nyika isingazivikanwi yaunoda kurarama mune ramangwana, Unogona kuishandisawo kumusha wefaira iwe unofamba iwe unogara pane chivako chakakodzwa. Kazhinji, unogona kungoishandisa kune imwe nzvimbo nokuti unogona kuva neimba imwe chete. Zvisinei, kana iwe nemumwe wako mukasangana pamwe chete, musararame pamwechete, muchengetedze dzimba dzakasiyana uye (maererano nedare rimwe chete) musingatauri nehutano hwemari kune mumwe nomumwe, mumwe nemumwe anogona kutora imba imwe chete kusvika kumutengo akabvumira munhu.
Motokari : $ 3 775 muhutano (motokari imwe nemumwe)
Zvishongo : $ 1,600
Zvitengesheni zvemhuri : $ 12,625 ($ 600 maximum pamunhu mumwe nomumwe)
Izvi zvinoshanda kune zvigadzirwa zvemumba, midziyo, midziyo, zvipfeko, mabhuku, mhuka, zvirimwa, nemitambo.
Zvishandiso zvebhizimisi : $ 2,375
Zvigadzirwa zvehutano : kusunungurwa pasina kutarisira kukosha
Kusagadzirisa inshuwarano yehupenyu : kusunungurwa usingatarisiri kukosha
Inishuwarenzi yehupenyu mari: mari inodiwa kutsigirwa pasi pehutano hutorwa nomumwe munhu wawakanga uri mutariri
Mari inokosha mu inshuwarisi yehupenyu : $ 12,625
Kuchengetedza mudzimba : chiyero chinonyatsodikanwa kutsigirwa
Kuchengetedzwa kwevanhu mune zvekugara, kusashanda kwemabasa, veterans kubatsirwa, rubatsiro rwehurumende, hurema : kusunungurwa pasina kukoshesa kukosha
Zvikwereti zvemunhu oga :
- $ 23,675, kunze kwekutambudzika uye kutambura kana kuti kurasikirwa kwepecuniary
- Kurasikirwa kwekuwana mari yeramangwana kunotsigirwa
- Mubayiro wekufa kwakashata wemunhu wawakanga uri mutariri
Kupa mubayiro semhosva yekupara mhosva
Kubhadharwa Mazano : Mitero isina kubhadhara mari yekambani inosunungurwa isina kuremekedza kukosha, kunze kwekuti IRAs neRoth IRAs zvakatorwa pa $ 1,283,025.
Dzidzo IRA uye kutanga kutenga zvidzidzo zvidzidzo : kusunungurwa pasina kutarisira kukosha
Spendthrift trust : kusunungurwa pasina kutarisira kukosha
Chikomborero cheWidcard : $ 1,250, pamwe nemadhora 11,850 emhuri ipi zvayo yekuregererwa kwemisha yausina kushandisa.
Nyaya yemusango inogona kushandiswa nenzira dzakasiyana-siyana kuti uregere chero ipi zvayo yaunayo:
- Cash, mabhangi ebhengi, zvikamu mune imwe kambani kana zvimwe zvikwereti, kana imwe pfuma isati yakarongedzerwa munyaya yacho.
- Inogona kushandiswa kuwedzera huwandu hwekukosha kwekugadziriswa mune pfuma iyo yakakosha kudarika iyo yakarongeka ichaita.
- Inogona kushandiswa kusunungura mamwe motokari.
- Inogona kushandiswa kurega zvimwe zveimwe mhando yepfuma yakatongororwa, sezvishongo kana zvinhu zveimba.
Federal Non-Bankruptcy Exemptions
Munharaunda yakawanda yemutemo wezvematongerwo enyika, mamwe mahedheni ehurumende anogona kuwanikwa ayo anoshandiswa mune dzimwe dzisiri dzisina mari. Izvi zvisingabhadharwi zvikwereti ndezvezvikamu zvakawanda zvakafukidzwa nehurumende yekusungirwa kwehurumende, uye naizvozvo haIIYO inowanikwa kuti ishandiswe nevanhu vanosarudza kushandiswa kushandiswa kwema federal bankruptcy. Kune vanhu vari muhurumende dzinoda kushandiswa kwehurongwa hwekuregererwa kwehurumende, kusunungurwa kwehurumende isingabhadharwi ikozvino. Kuti udzidze zvakawanda pamusoro peizvi, verenga Kubudiswa Kwemagariro Evanhu veSweden .
Kuti uwane zvakawanda pamusoro pekushandisa sei kubhadhara mabhiriro, ona
Kunzwisisa Bankruptcy Exemptions
Kusarudza Kuti Mamiriro Edzipi Anokwidzwa Kuisa
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Federal Non-bankruptcy Exemptions
Kusarudza Pakati Pehurumende uye Federal Bankruptcy Exemptions
Yakasunungurwa muna July 2017 naCarron Nicks