Apo kushandura kwekutsvaga kuripo kune nzvimbo, munhu ane chikwereti anozviisa pasi pehutongi hwekambani yekudarika. Izvi zvinoreva kuti munhu ane chikwereti haagoni kutora zviito zvinorambidzwa asina kuwana mvumo kubva kumutongi anokanganisa. Kuti uwane mvumo iyoyo, munhu ane chikwereti anofanira kutumira chirevo nedare rinonzi Murairo weKusimudza Gara kana Chikonzero cheRubatsiro kubva Mukugara.
Sei Mutengi Aida Kusimudzira Izvo Zvokugara?
Kune zvikonzero zvakasiyana-siyana uyo ane chikwereti angatsvaga kuti agare akasimudzwa. Dzimwe nguva, chiito icho chikwereti chaanoda kutora chine zvishoma kana kusaita nechokuita kubhadhara, zvakadai senzira yekuona kuchengetwa kwevana kana kuti kutsvaga chibharo pamusoro pe inshuwarisi yako kana iwe ukakonzera kukuvadza munhu kana pfuma. Dzimwe nguva, chiito chacho chine zvinhu zvose kukuita neimba yako. Somuenzaniso, paunosvika kumashure mubhadharo, rubatsiro rwemwana, chikwereti chemotokari, kana chikwereti.
Kana mhosva yakamirira mune imwe dare, somuenzaniso suti pamusoro pengozi yemotokari, iwe kana muvengi wako uchaisa mvumo nedare rekudarika uye kutsanangurira mutongi kuti sei mhosva iyo inofanira kuramba iri mune rimwe dare.
Sei Dare Risina Kuda Riri Kubvumira Creditor Kuti Aite Basa Pasinei Nokugara Kwazvo?
The Bankruptcy Code haibvumiri vatengesi kusununguka kutonga kusava nehanya nematokari nemitoro. Zvimwe zvikwereti zvichapona pakubhadhara kana kupfuurira pasinei nekudarika. Dare rinopera mari richangowanzosimudza mararamiro ega ega kuitira kuti mvumo dzematare dzirambe dzichienderera iyo dzichava nezvishoma kana kuti hazvina maturo pane kubhadhara kana kubvumira vatengesi kuti vawane nhaka yekutengesa kana munhu ane chikwereti asingakwanisi kubhadhara zvakakodzera, anobvumira inshurensi kuti iparadze, kana kuti zvisinei zvinokanganisa pamagariro echikwereti.
Kusimudza kuenderera mberi kwekutsvaga kwakakosha nyaya, iyo iyo Bankruptcy Code nematare hazvitoreri zvishoma. Nokuda kwechikonzero ichocho, uyo ane chikwereti anowanzova nechipingamupinyi chakakunda chokukunda kuti aratidze kuti uyo ane chikwereti akakodzera kubatsirwa kwakanyanya uye kuti uyo ane chikwereti haagoni kugutsikana chero imwe nzira.
Nzira Yekutsvaga Chikonzero Chokusunungura Kubva Kuchengeta
Chokutanga pane zvose, ziva kuti vatengi vanozodikanwa kuti gweta riise chirevo chekuregererwa kwekugara. Vatengesi vekambani vacharamba vachitsvaka gweta kuti aise chirevo chacho.
The Bankruptcy Code inoedza kuita kuti nzira yekufambisa ibudirire kune vane chikwereti, asi ichiri kukodzera kune vane chikwereti. Mitemo iyo inotonga mabhizimisi ekupa mhosva inopa kuti kana kambomira ichiiswa, dare rinofanira kubata kutanga kwekunzwa pamusoro pekufamba kwemazuva makumi matatu. Kana munhu ane chikwereti ari kutsvaga kuva nekutengesa semotokari, uye anotenda kuti kukosha kwechibvumirano chiri munjodzi (apo inshuwarisi inopera, somuenzaniso), uyo anokwereta anowanzobvunza dare kuti riite hurukuro panguva yekufamba kwenguva.
Apo chinangwa chekufambisa kwekusunungurwa kubva kunekugara kuchengetedza chikwereti, uyo anokweretesa anofanira kuratidza kuti ane kodzero yekuregererwa kubva pane kugara kwechimwe chezvikonzero zviviri:
- Nokuda kwe "chikonzero" kusanganisira kusava nekudzivirirwa zvakakwana kweimba. Mune mamwe mazwi, kana kukosha kweimba kuchiderera zvakadai kuti mukwereti aigona kurasikirwa nemari pakutengeswa kwechibvumirano. Zvimwe "zvinokonzera" zvinogona kunge kusisina yunishuwarenzi, kukundikana kubhadhara pachedu kana kuti mitero yemitengo chaiyo, mumwe munhu kunze kwomunhu ane chikwereti kana kuti nhengo yemhuri ari kutyaira motokari, pfuma haina chinhu kana yakasiyiwa, kana chero imwe dambudziko rinogona kukonzera kuderera kwekukoshesa kana kuisa chibvumirano chiri munjodzi.
- Munhu ane chikwereti haana hutano muchivako uye iyo pfuma haifaniri kuve nekugadzirisa zvakare. Mune mamwe mazwi, munhu ane chikwereti anofanira kuratidza kukosha kweimba uye chikamu chekambani, uye kuratidza kuti nzvimbo yacho haifaniri kuti munhu ane chikwereti ave neChitsauko 11 kana 13 chekubudirira. Nokuti Chitsauko 7 hachirevi kugadziridzazve saizvozvo, chirevo ichi hachizoshandi.
Iwe unogona kudzidza zvakawanda pamusoro pokubvisa oga-oga mumamiriro ezvinhu chaiwo paunoshanyira nyaya dzinotevera:
Kubvisa Bankruptcy's Automatic Stay: Mhosva uye Inishuwarenzi Mhosva
Kubvisa Bankruptcy's Automatic Stay: Utilities uye Rent
Kubvisa Bankruptcy's Automatic Stay: Yekare Kutengesa Car uye Imari Payments
Apo Creditor Anotyora Automatic Stay
Zvinosuruvarisa, dzimwe nguva chikwereti chinotora chiito chinopesana nekugara pasina kutanga kutumira chirevo nedare. Kana izvozvo zvikaitika, uyo ane chikwereti angave ari pasi pezvikwereti, izvo zvinowanzobatanidza kubhadhara kukanganisa kumunhu ane chikwereti uye kudzoka zvakare zvakare kana nzvimbo yakatariswa. Nokuda kweizvi, shanyira Kodzero Dzako Kana Mutungamiri Anosvibisa Iko Automatic Stay .
Inguva Yakadii Iri Kuramba Richiramba Iripo?
Izvo zvinongoramba zviripo zvinogara chete chero bedzi kubhadhara kunopera. Kana nyaya yacho ichitsvaga kushandiswa kwekutsvaga kuchaguma. MuChitsauko 7 nyaya, iyo inopera inopedzerwa sekubhadhara mari yechikwereti kwemazuva makumi matatu mushure memusi wemusangano wevakwereta. Izvi zvinoshanda chete kune kodzero yemunhu ane chikwereti kuti atore nhaka yeimba yacho. Icho hachikuvadzi kuenderera kwekuzvimiririra kugara semunhu ane chikwereti pachake. Ona zvakawanda pamusoro peBhishopiti yeShoko reGumo .
Kuti udzidze zvakawanda pamusoro pekuti nguva yakadini inoshanda uye iyo inopera, ona How Long The AutomaticStay Last?
Yakapedzwa muna June 2017 Carron Nicks