Kubudiswa kwekudarika kwemhosva ndiyo inotongerwa kudare remagumo pakupera kweChitsauko 7 kana Chitsauko 13 nyaya iyo inokubvisa kubva pane zvaunosungirwa kubhadhara chikwereti. Iwe unofanira kuzadzisa zvose zvaunoda kuitira bankruptcy yako kuti uwane kubudiswa. Kana kamwe chikwereti chave chabudiswa, mukwereti wacho anenge asingabvumirwi kutora chiito chekuunganidza chikwereti ichocho zvakare. Izvozvo zvinosanganisira kudana, kutumira tsamba, kana kutora chikwereti.
Vanokwereta nevakweretesa vanogona, asi, vanosimbisa chero zvikwereti zvakabatanidzwa nezvikwereti zvakachengetedzwa. Vanokwanisa kutorazve uye kutengesa chero ipi zvayo yakabatanidzwa nekambani, kunyange mushure mokunge chikwereti chakabatanidzwa chave chabudiswa.
Ndezvipi Zvikwereti Zvinobudiswa MuBanruptcy?
Chii chinogona kubudiswa uye chiyero chekubudiswa chichabva pane kana iwe waisa Chitsauko 7 kana Chitsauko 13 chekufa. MuChitsauko 7 kubhadhara, mutongi wacho anoparadzanisa zvinhu zvako zvisina kukodzera pakati pevatengi vako uye chero chikwereti chiripo chichasunungurwa. MuChitsauko 13 kubhadhara, iwe unopinda chirongwa chekubhadhara icho chinobhadhara zvose kana chikwereti chako chikuru. Pakupera kweurongwa hwako hwekubhadhara, chikwereti chakasara chichasunungurwa.
Zvikwereti zvinogona kubudiswa mubhadharo zvinosanganisira chikwereti chekwereti rechikwereti, zvikwereti zvezvechiremba, kutongwa kwemhosva, zvikwereti zvemunhu, zvikwereti pasi pechibvumirano kana chimwe chikwangwani, nezvimwe zvikwereti zvisina kuchengetedzwa. Kune dzimwe mhando dzechikwereti, zvisinei, izvo zvisingakwanisi kusunungurwa mune chero rudzi rwekubhadhara.
Matambudziko Anogona Kusunungurwa muChitsauko 7 Bankruptcy
Chikamu 523 (a) cheBhangeruptcy Code rinotsanangura maitiro echikwereti chisingasunungurwi. Zvikwereti zvisingakwanisi kusunungurwa muChitsauko 7 kubhadhara zvinosanganisira:
- Dzimba dzakadai sekutsigirwa nevana, alimony , nezvimwe zvikwereti zvakabhadhara pasi pechinhu chekugadzirisa chikwata chemhuri
- Zvimwe zvikwereti, chirango, uye kubhadhara kunokonzerwa nebasa remhosva
- Mimwe mitero, kusanganisira kubhadhara mitero yebhadharo, mitero yemitengo yakave yakakodzera mukati megore rapera, uye mabhizimusi emitero
- Dare rinodhura
- Madhora kubva kuDII
- Condo kana dzimwe nhengo dzemasangano eimba inotengeswa mushure mokunge iwe waisa pesa
- Retirement plan chirwere
- Zvikwereti zvisingabhadharwi mubhadhadzi yapfuura
- Zvikwereti zvausina kunyora pane kubhadhara kwako
Izvo zvakaoma kwazvo uye zvisingakwanisi kubhadhara zvikwereti zvevadzidzi mubhadhadzi.
Vanokweretesa vanogona kukumbira kuti zvikwereti zvirege kusunungurwa kusanganisira zvikwereti zvinowanikwa kuburikidza nekubiridzira, chero mararamiro awakatengesa mumwedzi inotangira kubhadhara kwako, kana zvikwereti zvinobva pamabasa ezvokuda uye anonyangadza sekupisa, kubata, kuparadza, kuparadza, kana kuchera.
Chitsauko 13 inobvumira zvikwereti kuti zvisunungurwe izvo zvisingakwanisi kusunungurwa muChitsauko 7. Izvi zvinosanganisira: zvikwereti zvemhuri zvakagadzirwa muchibvumirano chekurambana (kwete kusanganisira kubatsirana kana kuroorwa), mari yematare, mamwe madhora ane chokuita nemitero, kushamwaridzana kwemari, zvikwereti zvezvikwereti zvekurega mari, nematokari asina kukwanisa kubudiswa mumushure wekusvitsa.
Zvikwereti Zvisingagoni Kubudiswa MuChitsauko 13 Bankruptcy
Pasi peChitsauko 13, unogona kugamuchira kubudiswa kwemari yakasara isina kuchengetedzwa mushure mekunge wapedza chirongwa chako chekubhadhara.
Dzimwe chikwereti hachikwanisi kusunungurwa pasi peChitsauko 13 kubhadhara, kusanganisira:
- Mwana kutsigira uye alimony
- Zvimwe zvikwereti, chirango, uye kubhadhara kunokonzerwa nebasa remhosva
- Mimwe mitero, kusanganisira kubhadhara mitero yemitero, mitero yemitengo iyo yakakonzerwa mumakore matatu akapfuura, uye mabhizimusi emitero
- Zvikwereti zvinokonzerwa nezviito zvinokuvadza kana zvinokuvadza (zvinowanzosunungurwa)
- Zvikwereti zvausina kunyora pane kubhadhara kwako
- Zvikwereti zvakakonzerwa nekuda kwekukuvadza kana kufa kunokonzerwa nekutyaira kwako kunodhakwa
- Zvikwereti zvinokonzerwa nekubiridzira kana kutengeswa kwemazuva ano zvigadzirwa hazvikwanisi kubudiswa mubhengi
- Chikwereti chemari chikwereti chikoro hachina kukwanisika kubhadhara mu bankruptcy
Zvinotora Nguva Yakadii Kuti Uwane Bhengi Kubudiswa?
Maererano neUnited States Courts, kusunungurwa kweChitsauko 7 kuparara kunowanzoitika anenge mwedzi mina mushure mezuva raunoshandisa kubhadhara mari yako.
Nokuda kweChitsauko 13, kubudiswa kunoitika mushure mokunge zvikwereti zvose zviri pasi peurongwa hwekuputsa zvakagadzirwa, izvo zviri pakati pemakore matatu nemashanu. Kana iwe usingatori dzidzo inotarisirwa yekugadzirisa zvemari, dare rinogona kuramba kubhadhara kwako kubhadhara.
Kana imwe chikwereti chako chikasunungurwa, kopi yechirongwa yacho inotumirwa kune vese vako vane chikwereti uyewo kumudhipatimendi weU.S., mutrasti mubhengi rako re bankruptcy, uye mutongi wetirasi. Izvi zvinosanganisira chiziviso chokuti vatengi havafaniri kuedza kuunganidza pamatokari kana kuti vasatarisana nekurangwa kwekuzvidza. Iva nechokwadi chekuti unochengetedza kopi yekurayira pamwe chete nemamwe mabhizimusi mapepa, naizvozvo haufaniri kuripa kuti uwane kopi gare gare. Iwe unogona kushandisa kopi yemapepa aya kururamisa zvikwereti zvekweretheni yechikwereti kana kubata nevatengi vanoedza kuunganidza kubva kwauri mushure mokunge uchinge wapedza kubhadhara.
Kana mumwe munhu akakwereta achiedza kuunganidza chikwereti chakakonzerwa kubva kwauri, iwe unogona kutumira chirevo kumatare uye kuti nyaya yacho ishurezve. Munhu ane chikwereti anogona kubhadhara mari uye dare rinowana kuti uyo ane chikwereti anotyora kuregererwa kwemhosva. Usati waenda munzira iyo, edza kutumira kopi yako yekusunungurwa kwekuregeresa kuti usiye basa rekuunganidza uye kana izvozvo zvisingaiti, taura nemuchengeti wekuputsa nezvekutora matanho emutemo.
Kuda Kwako Kubhadhara Kwako Kunobata Cosigners
Zvinosuruvarisa, kubhadhara kwako kuchaita kuti vabati vese vemu joint kana avo vogadziri vayo vabate. Kunyange zvazvo chikwereti chako chechikwereti chakabviswa pa bankruptcy kubudiswa, cosigner iri pachikwereti chesebhadharo yese yechikwereti. Kubhadhara kwako kubhadhara hakuregi kune vako vanobvumirana navo kana vabhadha. Vanhu vane chikwereti vachiri kubvumidzwa kuti vatore kubva kana kuti vatsirewo cosigner wechikwereti. Iwe unogona, zvakadaro, nokuzvidira, kubhadhara chikwereti chekuona kuti yakabhadharwa zvakakwana, kunyanya kana iwe wakagamuchira kubhadhara kubva kune chikwereti.
Kubhadhara Discharge uye Your Credit Report
Kubhadhara kusununguka hazvibatsiri chikwereti chekubika chikamu chekugadzirisa , iyo makore manomwe kubva pazuva rokudhinda kweChitsauko 13 kubhadhara uye makore gumi kubvira pazuva rokudhinda Chitsauko 7 kudarika. Nhoroondo dzakabatanidzwa nekunzeka dzinogona kubviswa kubva kune chikwereti chako chekwereti isati yabhadhara, kunyanya kana zuva rokudengenyeka risati rasvika pakudarika kwako kubhadhara. Iyo kubhadhara, zvisinei, icharamba ichinyorwa pamushumo wekwereti mumarekodhi evanhu chikamu chechibvumirano chekukwanisa nguva.