Verenga zvakawanda pamusoro pazvo pa: The Automatic Stay: Iyo Inokudzivirira Sei Paunoshandisa Bankruptcy
Munenge mumiririro wese uye dare rinopfuurira riri kumirira apo iwe paunenge waisa purogiramu ichasimuka, kwechinguva. Zvichienderana nerudzi rwemhosva, munhu ane chikwereti angabvunza dare rekudarika kuti awane mvumo yekuenderera mberi. Pakawanda, kana nyaya yenyaya yacho ichitaura nezvepfuma yako kana mari yako, dare rekubhadhara rinotora rubatsiro uye haruzobvumiri kuti riende mberi. Kana mhosva yacho isingakwanisi kuva nemigumisiro yezvinhu zvako, dare rinowanzorega richienderera mberi.
Mhosva dzeKodhadhi yeKodha, Mari Yomunhu, Mipiro Yakachengeteka uye Mamwe Marudzi Ematokari
Kana iri kungopomerwa mhosva pamusoro pechikwereti chichazobudiswa mubhadhadzi, dare haringabvumiri mvumo yekuenderera mberi. Pachave pasina chikonzero kana chikwereti ichizobudiswa muchengeti ye bankruptcy. Asi, kana mhosva iyi inogona kutungamirira kugadziriswa kuti chikwereti ichocho chisingazobudiswi , dare rekudarika richaita kuti mhosva yezvematongerwo enyika ienderere mberi kana kuti mapato achaendesa mutongo mudare rekudarika.
Izvi zvinogona kusanganisira mhosva iyo inotaura kuti iwe wakatora ufeve, kana mhosva inogona kuona kana kutyaira kwako kunokonzera kukanganisa (ona pasi apa).
Nyaya Dzematare eMhuri
Kunyange zvazvo zvisingaiti zvachose pasi peBhangeruptcy Code, matare edzimhosva emhuri akawanda achamisa kurambana kana kuchengetwa kwevana vachienderera mberi kusvikira mumwe wemapato akawana "kurongedzwa," chirevo kubva kumutongi webhengi kuti zvakachengeteka kupfuurira mumhuri yemhuri.
Mutongi wematare edzimhuri anoda hurumende yekugadzirisa kuve nechokwadi kuti mapato haasi kuparadza mutemo we federal. The Bankruptcy Code inonyatsobvumira kuti maitiro edzimhosva dzemhuri dzienderere pasinei nekudarika kwacho nokuti haina zvishoma kana kuti hazvifariri kana mapato ari kurambana kana kuti anochengetedza vana.
Kana zvakadaro, mhosva yematare emhuri ichabatanidza kugadziriswa kweimba, inenge imwe yematare edzimhosva achada kuti mvumo yekugadzirisa ive rubber-stamperedzwa nedare rekudarika risati rasvika pakupedzisira mumatare ehurumende. Izvi ndezvekuti kubhadhara hurumende inosvika pedyo nezvose zveimba yemunhu ane chikwereti, izvo zvisingagoni kutamiswa kunze pasina mvumo yematare.
Dzimwe nhau dzematare edzimhosva dzinogona kuenderera mberi dzinosanganisira zviito kana mhosva kune
- kuisa, kugadzirisa kana kutora rubatsiro rwevana uye alimony mushure mokunge bankruptcy case yaiswa
- chengetedza kuchengetwa kwemwana nekushanyirwa
- kudzivirira mumwe wako kana mwana kubva kumhirizhonga kumhuri
- kubvisa zvikwereti zvemutero kubhadhara kare nekuda kwekubatsira mwana
- kusimudzira kana kudzivirira vatyairi 'kana kuti vhizimisi mabhizimisi nokuda kwechikonzero chekare chekubatsira mwana
Mhosva yeDare reMhosva
Dzimwe nguva, kuparwa kwemhosva kunosanganisira zvose zvechimhosva uye yezvemari.
Nokuda kweizvi, mhosva yekutarisa yakaipa inogona kukonzera kurangwa nekuputsa murairo uye kuronga kuita zvakanaka pane cheki. Kana mhosva yacho inogona kuparadzaniswa, Bankruptcy Code inobvumira kuti chirongwa chemhosva chienderere mberi pasina chikonzero chokuti muchuchisi ataure chikumbiro chekuregererwa kubva pane zvakasara kugara. Sezvo kune zvemari, chikamu chinoramba chiripo chinoshandiswa, uye mutongi kana cheko chekubhadhara inofanira kuisa chirevo chekuenderera mberi kana kutanga chiito mumatare ehurumende pane cheki. Zvichida, zvakadaro, mutero wacho aizounza mhaka mukati memari yekuzvidzivirira (iyo inonzi muvengi anoramba achienderera mberi ) kuti aone kana chikwereti chakakonzerwa nekucheka kwakaipa chakanga chakarambidzwa zvakare mubhengi .
Dare rebhadharo uye chirango uye kubhadharwa kwemhosva hazvirevi zvakare muchengeti yekudarika .
Dzimwe nhengo dzedare dzinotadza dzinotora nzvimbo iyo hurumende inofanira kuisa mvumo yekusimudza iyo kugara mumatare ekudarika vasati vamanikidze izvi, asi dzimwe nheyo dzichaita kuti zviito zvienderere kunze kwekuti ichangobva kugara yakasimudzwa.
Kuzvimirira Kuzvipira
Zvimwe zvinokuvadza zvinokuvadza hazvibviri kuregererwa mubhengi . The Bankruptcy Code inonyanya kutaura nezvemabhengi anomuka apo munhu anoshandisa motokari achidhakwa. Zvikwereti zvinokonzerwa nekukuvadza nemaune uye zvinokuvadza kune mumwe kana kune imwe nzvimbo yezvimwewo hazvisi kubviswa. Nenzira yakawanda, matare edzimhosva achabvumira kutongwa kwematare edzimhosva kuenderera mberi, mushure mekunge mapato acho akakumbira kubatsirwa kwekugara, kana mhosva inogona kuguma musarudzo kuti chikwereti hachizogoni kuregererwa mubhadhara.
Zvikamu zvakanyatsoenderana zviitiko zvinotaurira kana uyo ane chikwereti akaita utsotsi kuti awane mari . Kana mhosva yechinhu chinonyengera ichimirira apo kubhadharwa kuri kuiswa, dare rekubhadhara rinogona kubvumira mutongo iwoyo kuti uenderere mberi, asi zvichave zvakakodzera kuti mapato ape chikumbiro chekuregererwa kubva pane izvo zvisati zvaitika.
Inishuwarenzi Zvikwereti nemari
Kana iwe uri kupomerwa kana kuti pane chimwe chinhu chakaita kuti iwe upe mhosva pamusoro pengozi yemotokari kana imwe mhosva yakakuvadza, munhu anomutora angafanira kutsvaga mvumo kubva kumatare ekudzingisa kuti aite zvinodiwa nehushuwarisi. Zvikwereti zvizhinji zvebhengi zvinobvumira kuti mhando dzematambudziko dzifambire mberi kana uyo ane chikwereti achibvumirana kupedza kugadziriswa kwaro mari yaunogona kuwana kubva kune inishuwarenzi.
Kuti unzwisise kuti kugadziriswa kwekutsvaga kunogona kuchinja sei kudzikinurwa, verenga:
Kubvisa Bankruptcy's Automatic Stay: Utilities uye Rent
Dzidza zvakawanda pamusoro pokuti nzira yekutsvaga inoramba yakashanda sei kubhadhara:
The Automatic Stay: Iyo Inokudzivirira Sei Paunoshandisa Bankruptcy
Kubvisa Bankruptcy's Automatic Stay: Kutanga
Kubvisa Bankruptcy's Automatic Stay: Yekare Kutengesa Car uye Imari Payments