Iwe ucharasikirwa nebasa rako kana iwe ukaisa pesafa? Zvichida kwete, asi verenga kuti udzidze kana mushandi angashandisa kubhadhara mari yako kuita zvisarudzo zvebasa, uye kuti kubhadhara kunogona kukukanganisa sei kuchengetedza kwako, chiremera chebasa, uye makadhi emakadhi emakadhi.
Iyi ndeimwe yemibvunzo yakaoma zvikuru gweta rekubhadhara rinofanira kupindura. Bhengi inogona kutamba muchikwereti chekukweretesa kukupa chikwereti, sarudzo yekambani yehushuwarisi yekukuchengetedza iwe, uye chisarudzo chemwene weimba yekutora iwe.
Iwe unofunga kuti kubhadhara kunogona kuchinja kana iwe uchigona kuwana kana kuchengetedza basa. Munyika yakakwana, hapazovi nehupfumi uye mabhizinesi aya aizoona kubhadhara sechigadziri chinonyatsogadzirisa nyaya dzezvemari uye inoita kuti chikwereti ave chikwereti chiri nani, inshuwarheni, renter, kana mushandi. Izvi zvinoreva, nhamo, kwete nyaya.
Zvepamutemo? Nhamba yekodzero yekodzero ine chikamu chekurwisa kusarura chinorambidza kusarurwa kwebasa kunongotarirwa pamunhu kubhadhara. Asi, zvakaoma kupurisa uye kuratidza. Kushungurudzwa kunewo kwakabva mune imwe dambudziko, sematambudziko ezvoutano, kurambana kana kusarirwa kwemabasa. Dzimwe nguva kubhadhara ndezvekuedza kugadzirisa izvo vamwe vashandi vanogona kuona sekuti tsika dzakanaka kana unhu hunokundikana, semafungiro emasoja nezvemari, kunyanya kubhejera, kushandiswa kwezvinodhaka kana kudhakwa, kana kuti kuita zvemhosva. Kune mitsara miviri mishoma pane zviito zvemushandi zvichienderana nemamiriro ezvinhu akaendesa kubhadhara.
Bhuku reBhangeruptcy Code Anti-discrimination
Chikamu 525 chekodhi ye bankruptcy ine zvikamu zvakati. Iyo yepakutanga inorambidza hurumende yekusarura mumwe munhu akaisa chikwereti kune zvakakwana zvekutengeserana semvumo yekushanda, mabhuku, uye mabhizimisi. Nezvemabasa, Chikamu 525 (a) chinotitaurira kuti hurumende yehurumende haikwanise "kuramba basa, kubvisa basa, kana kusarura maererano nekushanda kunopesana" nemumwe munhu akaisa mhosva yekuputsa.
11. USC § 525 (a).
Chikamu chinotevera, icho chakawedzerwa gare gare, chinoshanda kune vashandi vega, asi hachikwanisi kuenzana nehupamhi sendima pamusoro pehurumende kusarurwa. Chikamu 525 (b) inotevedzera mutauro muna 525 (a) kunze kwekuti inopedza mushoko "kuramba basa".
Ngatitarisei dzimwe nyaya dzinowanzobatana nevakawanda dzinokanganisa vatokwere.
Ndingakwanisa Kurega Jobho Kana Ndikaisa Bankruptcy Here?
Pane imwe nyaya inofadza apa, uye zvinoratidzika seimwe huru yakashata mubhuku rekushungurudza rekurwisa kusarura. Hurumende dzehurumende hadzigoni "kuramba basa" kune mumwe munhu akaisa chikwereti chemari. 11. USC § 525 (a). Mareji akashandura mazwi aya kuti ave akajeka uye akawandisa.
Ichinyorwa chinoshanda kune vashandi vega, 11 USC § 525 (b), haatauri zvachose nekuremekedza kuramba basa, kunyange zvazvo zvese zvinyorwa zvekusarura kune mushandi, zvinotora mazwi kune mahurumende.
Nzira dzakawanda (asi kwete dzose) dzakatarisa nyaya iyi dzakaratidza kuti sezvo Congress inogona kuva nayo, asi haina, inosanganisira mutsara munharaunda yega yega yevanoshandira chikamu, inofanira kunge yakasarudzwa nemaune kubvumira vachengeti vega kuti varambe basa kune mumwe munhu akaisa bankruptcy.
Vakaramba kuzviona semutariri.
Mukufamba kwenguva, zvingave zvisina basa. Kunyange kana kodhi yemutemo inorambidza mushandi wega wega kubva pakushandisa kubhadhara kusarura mukusarudza kushanda, kemo hairegeri kuti mushandi wekutarisa zvimwe zvinhu zvingangodaro zvakakosha, sekukweretwa kwenhau, kubhejera, kushandisa mishonga kana doro kushandiswa, kutongwa kwemhosva, maitiro ezvakaipa kunyengera uye unyengeri. Ichokwadi, vashandi vanowanzoda kuti basa rakanyorerwa rive chisununguko kuti abvumire mubhadharo kuti atore chikwereti chekwereti. Vashandi havakwanise kudhonza mushumo wechikwereti pasina mvumo, asi vanogona kuramba kutarisa mumwe munhu asingazoregi kusunungurwa.
Mushandirwi Wangu Achada Kuwana Nezvekudarika Kwangu Here?
Kana iwe ukaisa Chitsauko 7 nyaya, iwe unoshandira iwe zvichida haafaniri kumboziva . Kushungurudzika zvipfeko zvepachena zviripo kune ani zvake anoda kuona mafaira.
Mune dzimwe nzvimbo, mapepanhau emunharaunda aizonyora mazita evanhu vemunharaunda kana makambani akaisa zvikwereti. Izvozvo hazviratidzika sezvisizvo zvakare. Kana iwe ukaisa chikwereti, iwe unofanira kupa mazita neatere dzevako vane chikwereti mumabhuku ako ekudarika kuitira kuti dare rinogona kuvatsanangurira nyaya yacho. Kana iwe ukaisa Chitsauko 7 nyaya, hapana chikonzero chekunyorera zita rako rekashandisa nekero yako kunze kwekuti iwe unokwereta wako mubhadha mari.
Chitsauko 13 bankruptcy case chakasiyana. Chitsauko 13 zvirongwa zvekubhadhara zvinotungamirirwa neChitsauko 13 chevamiririri, vanotora mubhadharo wako wemwedzi woga woga kugovera kune vane chikwereti avo vakapa zvibvumirano zvinenge zviri munyaya yenyu. Vakawanda Chitsauko 13 vatongi vanoda kuti vateresi vanoshandira vanobhadhara vatora mazano kubva pamitero yavo, yakafanana nekugadzirisa. Mutrasti achapa mutemo kune waanoshandira nemirayiridzo yekuwanda uye kupi kwatingazotumira mari yacho.
Izvi hazvireve kuti mutariri wako achaziva nezvekuputsa kwako. Asi vamwe vashandi vachabva vaine hanya kuti mabasa avo angangopesvedzwa, pasinei neChirungu 525 yekusarura mutauro. Mukuzviitiko zvangu, matare anofunga kuongorora nyaya yacho, zvikuru kune vashandi vane mabasa zvinosanganisira kubata nemari kana kukwereta mari.
Ndingakwanisa Kufuridzirwa Kana Ndikaisa Bhudha?
Zvepamutemo? Kwete. Haugoni kuraswa nekuda kwekuti iwe wakatumira chikwereti chebhengi. Mutauro weChishanu 525 yezvikamu zviviri zvehurumende uye vashandi vega voga zvinorambidza zvakajeka kugumisa vashandi. Asi zvakatsanangurwawo nematare edzimhosva kuti aite zviito sekuderedza maawa ako, kutema mubhadharo wako, kukupa iwe, kana kubvisa mabasa.
Saka, chii chinoitika kana wako waunoshandira achiziva nezvekupfigira kwako uye nguva pfupi pashure pacho wakatora chimwe chinhu chaunoshandura sekuti iwe unopindura zvakananga kubhengi yako ye bankruptcy? Muzvokwadi, pangava nechikonzero chipi nechipi chezvikonzero, kunze kwekugadzirisa, kuti mushandi aite shanduko huru mumabasa ako. Kuvhara chero ipi zvayo kune iyo kubhadhara kunowanzova pedyo nekusakwanisa, kunyanya kana mushandi achigona kugadzirisa zvisarudzo zvakafanana pane izvo zvingave zvakaita kuti kubhadhara.
Mune dzimwe kodzero dzevanhu, dzimwe nguva dare richacherechedza purogiramu yemigumisiro inosarura kana uchapupu huri pachena husingawanikwi. Somuenzaniso, kana mushandirwi achiramba munhu wose wekuda, izvi zvingava husimba hwakasimba hwokuti mushandi ari kuumba mazano maererano nenhangemutange. Kana mushandi achiita zvinopesana nevose vashandisi vanokanganisa kubhadhara, izvo zvinogona kuva uchapupu hwakasimba.
Ndichandisiya Ndisina Kuchengeteka Kana Ndikashandisa Bankruptcy Here?
Mikana yokuti iwe ucharasikirwa nechibvumirano chekuchengeteka nekuda kwekwereti ye bankruptcy haisi nil. Asi, semamwe mamiriro ezvinhu emabasa, zvikonzero nei wakaisa pachena kubhadhara zvinogona kunge zvine chokuita nesarudzo. Asi, pane zvakanaka, kubhadhara iwe pachako kunogona kushanda iwe.
Ndakanga ndine muchengeti makore akati apfuura uyo aishanda somupuriri we IRS. Muteereri wangu akanga aenda kumashure pamitambisi mushure mekunge kwenguva refu yashaya basa. Apo yakanga yava nguva yokuti ave akakodzera kubhadhara chekuchengeteka, mutariri wake akamuraira kuti asangane neanopomerwa gweta. Akaisa Chitsauko 13, akawana kuchengetedzwa kwake, uye pakupedzisira uye akabudirira kupedza Chitsauko 13 chirongwa.
Zvikwereti zvizhinji zvekuchengetedzeka zvinobudiswa neDhipatimendi reSvondo mushure mekutsvakurudza kwakakwana kuchazadza nzvimbo dzakawanda dzehupenyu hwako. IDD inotarisa nyaya dzezvemari kunyanya nokuti vanhu vane nhaurirano dzemari vanowanzoshungurudzika kune vanyori. Panewo kutya kuti vanozotora zviito zvinokuvadza kana kuti vanoita mhosva mukuedza kuwana mari. DoD ichakurukura:
- kunyangwe iwe usingakwanisi kana usingadi kubhadhara zvikwereti zvako sezvavanouya
- kushandisa mari yako uye iwe unogara uchirarama pane zvaunokwanisa
- iyo inopa mari yako
- kubhejera nemishonga kana doro kushandiswa kunogona kutungamirira kune nyaya dzemari kana kukuita kuti utambudzike kune vamwe vanhu kana kune dzimwe nyika
- chero zvipi zvisiri pamutemo zvawakaita, kunyanya izvo zvine chokuita nemari yakafanana nekunyengedzera, kuregererwa kwemitero, kuba, kana kukanganisa
- mamiriro emitero yako yemitero uye kubhadhara
Asi iyi haisi mugumo wenyaya yacho. IDD inoziva kana nyaya idzi dzakanga dziri kunze kwekutonga kwomunhu wacho kana kuti munhu wacho atora matanho ekugadzirisa mamiriro acho ezvinhu. Kunyanya, Dhipatimendi reZviviri richakurukura uchapupu hwokuti:
- iyo tsika yakanga isiri ikozvino
- yakanga iri chiitiko chega
- mamiriro ezvinhu akazoita mufambiro ainyanya kupfurikidza nekutonga kwevanhu (semuenzaniso, kupererwa kwebasa, bhizimusi rekudengenyeka, kutadza kusatarisira mune zvehutano, kana rufu, kurambana kana kuparadzana)
- munhu wacho akagamuchira kana ari kugamuchira kurairirwa kwechinetso uye pane zviratidzo zvakajeka kuti dambudziko riri kugadziriswa kana riri pasi pesimba
- hupfumi hwakavapo kubva pamutemo, uye
- munhu wacho akatanga kutendeka kwakanaka kuedza kubhadhara vanokwereta vanopfuura kana kuti kutonga zvimwe zvikwereti
Will Bankruptcy Inoparadzira Roti Yangu Yomudzidzisi?
Vanhu vakawanda vane unyanzvi vanofanira kuva neisensi, iyo inongowanikwa mushure mekunyatsoshandiswa kwekushanda uye maitiro uye chekuchechera mhosva. Nhamba yekushungurudza inorambidza kusarurwa nehurumende yekupa mvumo nekuda kwekuti munhu anenge apomerwa akaiswa mubhadharo. Ichokwadi zvakare kuti upfumi hunoda kuti nhengo dzazvo dziteerere kune dzimwe tsika dzehutano uye unhu. Izvo zvinowanzodikanwa kuti nyanzvi dzirambe dzichidzora mari. Asi, sezvinoitwa neDhipatimendi reZvondo dzichaona zvakadzama, zviremera zvekupa mvumo, zvakare, uye zvinotarisira chiremba kuti atsanangure mamiriro acho ezvinhu.
Kana iwe uri nyanzvi, chengetedza nhengo yako inodzora kuti ugozivikanwa zvinoda. Iwe unogona kudiwa kuti uzivise simba rako rekupa mvumo kana iwe ukaisa gwaro rekudarika.
Chii Chinoitika KuIkambani Yangu-Yakabudiswa Chikwereti Chakwereta Kana Ndikaisa Bhengi?
Kana kambani yako ichikupa kadhi rechikwereti kuti ushandise mari yekufambisa kana zvimwe zvinhu, mikana yakanaka kuti iwe unopfuura kungoshandisa mvumo. Kuti dzivirire mupiki uye mushandirwi, makambani akawanda emakadhi echikwereti (kunyanya AMEX) uye vashandi vanoda kuti kadhi yemakadhi aro-zviratidzo panhoroondo. Vashandi vanogona kurega kushandiswa kwekadhi kune zvese zvinoshandiswa zvekutengesa basa, asi izvozvo hazvirevi hazvo kuti mushandi arege kuzvishandisa. Vamwe vashandi vanobvumirana nezvimwe zvirongwa nekadhi rakabudisa. Kana zvikwereti zvako zvabhadhara zvakananga nekambani uye hazvidi kuti iwe utsvake kubhadharwa uye kubhadhara mutero iwe pachako, pane mukanano wakanaka kuti iwe hausi iwe pachako unokodzera pamakadhi. Nzira chete yauchazoziva nayo ndeyokutaura nemushandi wako.
Kana iwe ukaisa bhadha, iwe unofanira kunyora kadhi yako yekambani mumabhuku ako ekudarika kana iwe uine mhaka pairi, uye iwe uchangodaro urasikirwa nekushandiswa kwekadhi iroro nokuti mutori wekadhi achavhara account. Kana iwe uchiedza kuita kuguma kumhanya kwakapoteredza kadhi, anenge zvichida kusashanda. Chikwereti chekwereti vanokonzera kushandiswa kwekufambisa nehutano hwehupfumi nhamba zuva rega rega kuti vaenzanise maakaiti.
Saka, iwe unosvika sei kune waunoshandira pamusoro pekurumidza-ku-ku-kubhadhara kambani yekambani? Heino chirongwa chemitambo:
- Usazvidza izvi. Sezvo zvakaoma sezvazvingava kuva nekambani, zvichaenda nyore kana vakanzwa kubva kwauri kutanga.
- Kunze kwekuti iwe ushandira kambani duku, izvi zvingangodaro haisi nguva yokutanga iyo kambani yako yakabata nayo nyaya.
- Mushandi angave achida kukupa kadhi yakabudiswa nekambani yaunenge uri mumiririri ane kodzero, kunyanya kana iwe usati uri tsika yekushandisa kambani yako yekambani yebhizimisi rako pachako.
- Washandi angave achida kugadzira kambani yekambani yekodhi yako kana kukupa mberi.
- Mune mamiriro ezvinhu akaipisisa, iwe uchafanirwa kushandisa bhadha rako rebhadha uye kuvimba pakubhadharwa gare gare. Kana iyo kambani inokubhadharai mari yekubhadhara mari panguva yaunoshandisa kubhadhara mari yako, iyo inofadza iwe uye inofanira kuve yakarongerwa sechinhu pamabhuku ako ekudarika. Kana iyo yefa inobhadharwa, ichadzivirirwa kubva pakusvika kwedare, uye iwe unogona kushandisa mari kubhadhara bhadha yako yebhadha rekombi. Kana iyo isingabhadharwi, uye mubhadhadzi we bankruptcy anoda kuishandisa kubhadhara chikwereti, iwe unogona kunge uri wega.