Kutarisana nechikwereti chakakura kunogona kuva mutoro, kunyanya kana pane zvakawanda zvekunyepedzera nezvebhengi. Asi iwe unofanirwa kutora nyaradzo mukuti kubhadhara (iyo inogadzirirwa muMitemo-soro) inowanikwa kuvanhu vari panzvimbo yako chete.
Kutanga, shandisa zvinetso zvako kuti ugare nekuwana mamwe mashoko pamusoro peChitsauko 13 uye Chitsauko 7 . Zvino, ngationgororei kuti kubhadhara kunobata sei basa rako .
Zvichida iwe unorangarira mubvunzo uyu pane basa rako rekushanda: "Wakambotora chikwereti here?" Unogona kushamisika kuti sei vangabvunza mubvunzo wakaita saizvozvo kana vasingashandisi mashoko iwayo mukubhadhara kwavo nekushanda. Yenguva refu uye pfupi payo ndeyekuti kune mamwe mamiriro ezvinhu umo kubhadhara kunogona kuva nemigumisiro pamabasa uye mamwe mamiriro apo iyo haisi chinhu uye inogona kusarura.
Mubhizi Wenyu Anogona Kukupisa Iwe Paunenge Uchinyora Bhuku Rokuputsa Here?
Mune rimwe shoko, "kwete." Waunoshandira haakwanisi kupisa chete nokuti iwe unopedzisira wapera. Nhamba yekushungurudza, iyo mutemo wezvematongerwo enyika uye ine mimwe yemitemo inobata chikwereti chekugadzirisa munyika muno, ine urongwa hunorambidza kusarura mumamiriro ezvinhu akawanda kusanganisira basa.
Chikamu 525 inoti:
(a). . .hu hurumende inogona kuramba, kurambidza, kusimudzira, kana kuramba kugadzirisa reisensi, chibvumirano, charter, franchise, kana zvimwe zvipo zvakafanana, mamiriro ezvinhu akadaro, kusarura maererano nekupa rubatsiro rwakadaro, kuramba basa, kugumisa basa, kana kusarura nekuremekedza basa rinopesana, munhu ari kana ave ari chikwereti pasi pechinyorwa ichi kana kuti asina kukanganisa kana ane chikwereti pasi peBrificruptcy Act, kana mumwe munhu ane chikwereti kana chikwereti chakabatanidzwa, chete nokuti vakadaro vasina chikwereti kana vane chikwereti kana kuti vakave vane chikwereti pasi pechinyorwa ichi kana kuti vasina chikwereti kana vane chikwereti pasi peBhangeruptcy Act, vakave vasina kupomerwa vasati vatanga kutongwa pasi pechinyorwa ichi, kana panguva iyi asi musati waita chikwereti apiwa kana kuramba kusunungurwa, kana kuti asina kubhadhara chikwereti chinogona kuregererwa munyaya iri pasi pechinyorwa ichi kana icho chakabudiswa pasi peBhangeruptcy Act.
(b) Hapana mushandi wega wega angapedzisa basa, kana kusarura maererano nekushanda kusina, munhu anenge ari kana akave ane chikwereti pasi pechitupa ichi, ane chikwereti kana akapera pasi peBhishopfe Act, kana munhu akabatanidzwa nemutero uyu kana kukanganisa, nemhaka yokuti chikwereti chakadaro kana kuti chakashata-
Akange ari kana ane chikwereti pasi pechinyorwa ichi kana ane chikwereti kana akapera pasi peBhangeruptcy Act;
Yakave yakasvibiswa pamberi pekutanga kwechikwata pasi pechinyorwa ichi kana panguva iyo nyaya asi isati yapiwa rubatsiro kana kukanganisa kusunungurwa; kana
Haana kubhadhara chikwereti chinogona kuregererwa munyaya iri pasi pechinyorwa ichi kana icho chakabudiswa pasi peBhangeruptcy Act.
Nenguva pfupi, nhamba ye bankruptcy inotitaurira kuti kana wakambobhadhara, hurumende kana vega vashandirwi vanobvumirwa kusarura iwe nekuda kwekuti iwe wakaisa dhaka rekubhadhara. Kubhadhara hakusi iwe chete chikonzero chekuti iwe unodzingwa, wakarambidzwa, wakarambwa bhonasi, unodzwa, wakatsoropodzwa, kana kuti wakarangwa.
Nyaya yacho haisi yakawanda kana mubhadhari angagona kusarura. Zvingave kuti munhu anotambura chiito angaratidza kuti chiito chemushandi wacho chaive chikonzero chaicho chekunyora mabhiriji. Pane imwe nhamba yezvikonzero nei mushandi anogona kubika kuitira kuti aratidze kufuta mushandi. Muzvakanaka-ku-kushanda inotaura, mushandi anogona kupisa mushandi kune chero chikonzero chipi zvacho kana pasina chikonzero.
Kunyange zvazvo kodhi yebhengi inorambidza mushandirwi kubva pakusarura mubasa nekuda kwekushaya mari yega, hapana chinorambidza waunoshandira pakuita zvisarudzo zvebasa zvichienderana nemamiriro ezvinhu akakonzera kuisa chikwereti chebhengi.
Somuenzaniso, iwe ungadai wakave nemwedzi kana makore ekukakavadzana kwezvemari usati wanyatsofunga kuti uwane hutsva hwekutanga nekugadzirisa. Chikwereti chako chekwereti chinogona kuratidzira vazhinji vanononoka kubhadhara, vanobhadhara, vanodzosera, uye kunyange kutongerwa mhosva. Mashoko iwayo angave ane hanya kune wako waunoshandira kana iwe ukashanda mubasa rinotarisirwa kushandisa mari.
Washandi wako angave asingakwanisi kushandisa kubhadhara sechikonzero chekutora chiito pamusoro pako, asi chikamu chenhoroondo yako yechikwereti chinonzi germaine uye chinowanikwa kumushandi anoita chikwereti nguva dzose anoongorora mamiriro ekuramba achishanda.
Unogona Kushanda Iwe Basa Here Nokuda Kwekudarika?
Pane kuve kunofadza kunowanikwa muChikamu 525 iyo vanhu vazhinji havaoni. Chikamu 525 inotarisa kusarurwa nehurumende uye nevashandi vega, asi hairi kushanda zvakafanana kune vose. Chikamu 525 (a), chikamu chebasa rehurumende, rinorambidza kusarura munharaunda yese yehukama hwevashandi-hurumende. Hurumende haigone, iyo inoti, "kuramba basa, kubvisa basa, kana kusarura nekuremekedza basa rinopesana" nemumwe munhu akaisa mhaka yekudarika.
(11. USC ยง 525 (a).)
Nhamba yekodhi inotaura nevashandi vega voga muChikamu 525 (b). Iyi ndima yakaparadzana haina kuisa mutsara we "kuramba basa". Matare mazhinji akatarisa nyaya iyi. Vakawanda, asi kwete vose, vakataura kuti Congress inofanira kunge yakasiya mutsara kunze kwechinangwa. Nokudaro, vashandi vega vega havabvumirwi kushandiswa kubhadhara senzira yekuramba basa kumunhu ane chikwereti.
Iwe unenge usingave uchitsvaga basa ikozvino, asi kana uchida mune ramangwana, iwe ungangodaro unotora mubvunzo iwoyo unotya pamusoro pemabasa ako ekushanda, "Wakambosvitsa nyaya yekubhadhara here?" Unofanira kupindura chokwadi. Izvo hazvirevi hazvo kuti iwe unongobva kunze kwekushanda kwebasa racho, asi kana iwe wakabhadhara uye waunoshandira achidzidza kuti iwe hauna chokwadi pane zvawakashanda, iwe ungangodzingwa.
Uyewo, chengetedza mupfungwa kuti kana iwe ukashanda kune kambani yevashandi inopa vashandi kune hurumende uye zvipatara zvemauto, kodhi yebhangi haichazovadziviriri pakuita basa, asi ichakudzivirira iwe paunenge uchiripo.
Will Filing Bankruptcy Inoparadza Zvese Zvese Zvomutemo?
Iwe unogona kunge wakapedza makore kuchikoro uchigadzirira basa rako rakasarudzwa. Iye zvino, iwe une mvumo mune zvinopfuura imwe nyika kuti uite mabasa ako oumhizha, uye wakabatana nezviuru zvevamwe vadzidzisi, kusanganisira vanachiremba, magweta, cosmetologists, inshuwarisi varo, mafizimusi nemamwe mabasa akawanda. Vakawanda vevashandi vanobvumirwa nematareji vanoendesa kune chekuongorora chekare uye vanowanzobhadhara chikwereti kuti vawane mvumo yavo.
Chikamu chimwechete chekodhi yekudzivirira iyo inokudzivirira kubva pakudzingwa inokuchengetedza iwe kubva pakusarura paunenge uchitsvaga reisensi yako. Iwe haugoni kurambwa chiremba chebhizimisi chete nokuti iwe wakaisa kubhadhara.
Asi, iyo haisi mhedziso yenyaya yacho. Nzvimbo dzakawanda dzinoda kuti nhengo dzavo dziwane mitemo, uye avo vanowanzobatanidza tsika kana tsika-inotarisirwa. Vamwe vanofunga kusaregeredza nyaya dzezvemari seimwe yezvikonzero zvinogona kukanganisa bhodhi rako rekupa.
Sezvatichaona muhutano hwekuchengetedzwa kwekuchengeteka, zviti uye hurumende dzine hurumende dzichachera mukati mako. Kakawanda, zvakadaro, kutora chidzidzo kubva kubhuku rekuchengetedzwa kweDD rekuchengetedza, masangano ekupa mvumo anoziva kuti vanofanira kuvhara zvakadzama dzimwe nguva kuti vanzwisise maitiro chaiwo emibvunzo uye kuti vanobatana sei neukwanisi hwekuita basa rako.
Unogona Kurambwa Here Kana Kuti Uchirasikirwa Nekuchengetedzwa Kwekuchengetedzwa Kana Iwe Uchiisa Bhengi?
Ichi ndicho chiitiko chimwechete apo kufungidzira kubhadhara kunogona kukubatsira iwe. Haisi kungoita kuti kubhadhara hakunakuregi kubva kune chekuchengetedzwa kwekuchengeteka, asi kunogona kuwedzera mukana wako wekukodzera imwe.
Zvikwereti zvizhinji zvekuchengeteka zvakabudiswa kuvashandi vehurumende uye kuvakambani vehurumende vanoongororwa neDhipatimendi Rekuchengetedza. Tsvakurudzo yacho yakakwana, uye DOD inotarisa munzvimbo dzakawanda dzehupenyu hwako , kupfuura chinzvimbo chebasa rako. Utano hwako hwemari hunonyanyofarira. IDD inofunga kuti vanhu vari munharaunda yakaoma yezvemari vari kutambura. Iyo yekare inotonhora yehondo yakaitika inotora kuti iwe unogona kunge wakasvibiswa neimwe nyika simba. Asi, kunyange pasina shanduro yechenjeri, DoD inokonzera kuti mari yako ine simba ingakubatsira iwe kuita zvisarudzo zvisina kuchenjera kana kunyange kuputsa mutemo kuti uwane mari. Izvi ndezvimwe zvezvinhu izvo DoD inotsvaga:
- Iwe hausi kukwanisa kana usingadi kubhadhara zvikwereti zvako kana zvichifanira?
- Chii chauri kushandisa mari yako? Iwe unoramba uchirarama pane zvaunokwanisa here?
- Chii chinobva pamari yako?
- Iwe unobata mukubhejera uye kushandisa zvinodhaka kana doro kushandiswa kunogona kukonzera nyaya dzezvemari kana kukuita kuti uomerwe nekusvibiswa kana kuti kunze kwemasimba?
- Wakaita chero zviito zvisiri pamutemo, kunyanya izvo zvine chokuita nemari (kunyengera, kubvisa mutero, kuba, utsotsi)?
- Iko mitero yako inodzoka uye mutero webhadharo kusvika pakatarisana here?
IDD inoperekedza mitemo kune vatsvakurudzi vayo , uye mirayiridzo inonyatsoziva kuti izvi zvinogona kugadziriswa nekuisa chikwereti chekushungurudza. Ndiyo nzira iyo kubhadhara kunogona kuwedzera kukwanisa kwako kuwana nokuchengetedza chibvumirano chekuchengeteka. Dhivhidzi weDDD achabatanidza izvozvi, uye humwe uchapupu:
- Ive ichangobva kuitika sei maitiro?
- Icho chaiva chiitiko chega chega here?
- Ko munhu wacho haana simba pamusoro pemamiriro ezvinhu akazoita mukuita (semuenzaniso, kurasikirwa nebasa, bhizinesi rekudengenyeka, chirwere chisina kutarisirwa mune zvehutano, kana rufu, kurambana kana kuparadzana)?
- Munhu wacho akagamuchira here kana kuti munhu ari kugamuchira kurairirwa kwechinetso chacho? Pane zviratidzo zvakajeka here kuti dambudziko riri kugadziriswa kana riri pasi pekutonga?
- Kana munhu wacho akawana rumwe rudzi rwehupfumi, rwakabva kune mutemo wemutemo here?
- Munhu anenge aine chiito chakanaka chekutenda kubhadhara chikwereti kana kuti kutonga zvimwe zvikwereti here?
Mushure mekutarisisa zvose izvi, unogona kuona kuti kuisa chikwereti chekudarika hakusi kukuvadza pamabasa ako sezvawakafunga. Uye zvingakubatsira iwe mune dzimwe nzira kunze kwokuderedza kushungurudzika kwechikwereti ichocho chose.