Kana, zvichida wakaisa Chitsauko 7 makore akare apfuura, wakagamuchira kubudiswa , asi iwe uzviwanire mumatambudziko emari zvakare.
Iwe unoda kuziva kuti iwe unofanira kumirira kwenguva yakareba sei kuti uise imwe yenyaya yekushungurudza.
Federal bankruptcy mutemo inogadzirisa kuti iwe unowanzoisa sei nyaya itsva. Uye, kunyange kana iwe uchibvumirwa kuisa mhosva, chimwe chezvikomborero zvekutsvaga iyo - iyo inogara -inogona-inogona kuvharirwa kana kunonoka.
Ndakatumira mabhengi makore akapfuura. Ndinogona kuisa zvakare here?
Pane mukana wakaisvonaka waunokwanisa kuisazve zvakare, asi nekukurumidza kunobva pane zvakadini zvawakaisa kare, uye zvauri kuronga pakusarudza panguva ino. Izvi zvinotarisawo kana kana kwete nyaya yakambotanga yakaguma mukubudiswa. Kana nyaya yepakutanga ichidzingwa pasina kusunungurwa, unogona kuisa zvakare zvakare, zvichienderana nemiganhu yatinokurukura muchikamu chinotevera. Kana nyaya yako ikasunungurwa , chati ichi chinotsanangura kana iwe uchikwanisa kuisa nyaya inotevera.
| Pakutanga Case | Yechiitiko Chiitiko | Time Limits |
|---|---|---|
| Chitsauko 7 | Chitsauko 7 | Unofanira kumirira makore masere mushure mekunyora nyaya yapfuura. |
| Chitsauko 13 | Chitsauko 13 | Unofanira kumirira makore maviri mushure mekunyora nyaya yapfuura. Sezvo chikamu chikuru cheChitsauko 13 zviitiko zvinokonzera kusununguka zvinopera makore maviri (makore matatu kusvika mashanu), sechinhu chinobatsira, vanhu vakawanda vanogona kuisa chitsauko 13 mutsva pakarepo mushure mokunge vawana kubudiswa muChitsauko 13. |
| Chitsauko 7 | Chitsauko 13 | Unofanira kumirira makore mana mushure mekunyora nyaya yapfuura. |
| Chitsauko 13 | Chitsauko 7 | Inofanira kumirira makore matanhatu mushure mekunyora nyaya yapfuura, kunze kwekuti Chitsauko 13 chekubhadhara chirongwa chakarongwa nenzira yakanaka, chaive chakanaka uye chakabhadharwa zvinenge makumi manomwe kubva muzana zvezvisungo zvisina kuvimbiswa |
Chitsauko Changu 13 nyaya yakabviswa . Ndinokurumidza sei kuisa zvakare?
Chimwe chiitiko chinomuka kana iwe ukaisa Chitsauko 13 nyaya asi haikwanise kupedza zvikwereti. Kana izvozvo zvikaitika, iwe hauzowanzobvumirwi kubhadhara zvikwereti zvako (kunze kwekuti iwe uchikodzera uye ukakumbira kusununguka kubviswa.) Pane kudaro, mhosva yako ichabviswa.
Kazhinji, kana Chitsauko 13 chenyaya yacho ichibviswa, unogona kuisa imwe nyaya pakarepo. Nokuda kwezvikonzero zvakakosha, vamwe vane chikwereti vachapa uye vachabvisa matambudziko akawanda mukutsanangana nokukurumidza. Izvi hazvirevi pfungwa yakanaka, asi zvinogoneka. Munhu ane chikwereti, anotarisana nekutyisidzirwa kune zvivako, anopfigira chikwereti che bankruptcy kuti amire kugadzirisa kana kufanirwa. Kana dambudziko racho richipfuura, munhu ane chikwereti angakumbira dare kuti aparadze nyaya yacho, kana kuti zvimwe angangosiya kugadzirisa hurongwa, izvo zvichaguma nekudzingwa. Kana uyo akatora chikwereti achidzokorora basa rake rokuunganidza, munhu ane chikwereti achaisa nyaya itsva. Kuti varwise vanokwereta vanoita mitambo iyi nenzira iyi, Congress inosanganisira zvikamu muBhangeruptcy Code inobvumira vatengesi kuti vaise mitsva mitsva. Asi, iyo Bankruptcy Code inogadzirisawo kuti munhu ane chikwereti angashandisa sei zvinongotarisa kugara mumamiriro ezvinhu akadaro.
Chimwe chiitiko chinomirira mukati memwedzi gumi nemaviri:
Kana iwe wakanga uine chikwereti chekare chisati chasara mukati memwedzi gumi nembiri yakapfuura iyo yakadzingwa, iwe unogona kunge waisa kechipiri chechipiri, asi iyo inongoramba iripo ichagara kwemazuva makumi matatu chete ekutanga kwechiitiko chechipiri. Vanhu vane chikwereti vanofanira kumira maitiro avo ekuunganidza, kusanganisira kuzarura, kudzorera uye zvimwe, asi kwemazuva makumi matatu chete.
Mushure mokudaro, iyo inongoramba iripo ichasimudza zvisiri nyore kunze kwekunge iwe uchikumbira dare kuti riwedzere.
Mhosva mbiri dziri kumirira mukati memwedzi gumi nemaviri:
Kana waive nemhosva mbiri mukati memwedzi gumi nemaviri yapfuura, unogona kubvumidzwa kuisa chechitatu chechitatu, asi iyo inongoramba iripo haisi kuzoshanda zvachose kunze kwekunge iwe uchikumbira dare kuti riite. Kana iwe uri mamiriro ako ezvinhu, kuisa chikonzero chechitatu chacho hachizogadziri kutarisa, kugadzirisa, kugadziriswa, mhosva, tsamba, kufonera kana chimwe chinhu chipi nechipi chikwereti chakasimudza sleeve yake.
Bvunza dare kuti ramba kana kuti rongedze zviripo
Kana iwe ukaisa zviitiko zvinotevera maererano nezvakatsanangurwa pano, unogona kukumbira dare kuti riwedzere kugara kana kuti kuisa nzvimbo yacho. Kuti uone kana iwe unofanirwa nekuzorora uku, dare rinotarisa pane zvimwe zvinhu zvinosanganisira:
nhamba yemhosva dzamakaisa
pasinei nokuti mhosva dzako dzakabviswa nekuda kwekusabhadhara, kukanganisa (yako kana gweta rako), kukundikana kuisa mapepa aidiwa, kana kukundikana kushanda pamwe nemutongi
pasinei nokuti iwe wakabvisa nyaya yako mushure mekutora chikwereti akaisa chirevo chekuregererwa kubva pane zvinowanzogara (kazhinji vachitsvaka mvumo yekudzorera yemotokari kana kutengesa mumba)
pasinei nokuti mamiriro ako akachinja kubva pane zvawakambotarisa zvakadzingwa
Ndakazivisa Makati Mashoma Kwemakore Makanguva. Ndinokwanisa Kupazvezve Here?
Kunyange kana mhaka yako yapfuura yakapararira kupfuura mwedzi gumi nembiri yekupedzisira, iwe ungasave uri pamba pasina. Your bankruptcy trustee , iyo Office of the US Trustee (chikamu cheDhipatimendi reRuramisi) uye vako vane chikwereti vachatsvaga mhaka dzenyu dzose dzakasarudzwa kuti vaone kana uri kuedza kushandisa zvakashata. Heano muenzaniso:
Dave naMargaret vakaisa chitsauko 13 muna 2015. Iyi yakanga isiri nyaya yavo yokutanga. Heino urongwa hweDave naMargaret mamiriro ekutanga:
- 2004, Chitsauko 7; akagamuchira kubudiswa
- 2010, Chitsauko 13; nyaya inodzingwa nekuda kwekukundikana kuita chirongwa chekubhadhara
- 2012, Chitsauko 13; nyaya inodzingwa nekuda kwekukundikana kuisa mapepa anodiwa
Mumamiriro ose ega, kushandiswa kwekutsvaga kwakange kusina kukanganiswa, asi mushure mokunge nyaya yakapedzisira yaiswa, Chitsauko 13 mutevedzeri akakumbira dare kuti ribudise iyo serial kudhinda. Dave naMargaret vangave vachifanira kupinda mudare uye vanopupurira pamusoro pezvikonzero zvekunyora uye kubvisa zvose zviri muChitsauko 13. Kana dare richibvumira nyaya itsva kuti ienderere mberi, inenge iri pasi pemamiriro ezvinhu kuti kana nyaya itsva ichidzingwa, vaviri vacho havazobvumirwi kuisa imwe nyaya kwenguva yakati, iyo inowanzova gore kana kupfuura.
Kana dare rinonyanya kukanganiswa nezviito zvavo, dare rinogona kubva rakurambidza nyaya yacho nehurongwa hunogona kuvadzivirira kuti vadzokezve zvakare kwenguva yakati. Mune zvimwe zviitiko zvinotyisa, matare akaraira zvachose munhu ane chikwereti kubva paanenge achiisa imwe chikwereti chebhengi.
Ona muenzaniso MuRe Mac Truong , 14-13050, Southern District yeNew York.
Yakarongwa naCarron Nicks Nyamavhuvhu 2017.