Kubvisa Imari Mitengo Chikwereti: Sei Chitsauko 7 neChitsauko 13 Kusiyana

Ichokwadi kuti zvikwereti zvemitero zvinoshandiswa zvinogona kubudiswa muChitsauko 7 uye muChitsauko 13 , asi kuti chitsauko chimwe nechimwe chinobata sei mitero inowanikwa mari yakasiyana zvikuru. Kuti unzwisise kurapa, zvakakosha kunzwisisa kuti Chitsauko 7 neChitsauko 13 zvakagadzirirwa kuita zvinangwa zvakasiyana uye chitsauko chimwe nechimwe chinoshandisa nzira dzakasiyana-siyana kuti dziende ikoko.

Chitsauko 7 chinozivikanwawo sechiso chakashata. Zvinowanzotora mwedzi mana kusvika kumatanhatu kubva pakushambadzira kuti ubudise.

Chinangwa chevakakweretesa vazhinji (vanhu vanokonzera chikwereti chekudarika) ndechekubudiswa, iyo inorayirwa nedare rinotaurira nyika kuti muteresi apedza zvose zvaanoda munyaya yacho uye haachazokwanisi kubhadhara chikwereti. Haikwanise kubvisa chikwereti zvachose kana kuita kuti irege kunyangarika. Zvinongodzinga munhu ane chikwereti kubva pamutoro wekuripa chikwereti.

Chitsauko 13 chinogadzirwawo kuti chiite kuti kubudiswa, asi nzira iyo inofamba nayo iyo yakasiyana zvikuru. MuChitsauko 13, munhu ane chikwereti anopa chirongwa chekubhadhara chikwereti kwemakore matatu kusvika mashanu. Mari iyo inowanzoitwa mwedzi mumwe nomumwe kune mutrasti akasarudzwa nedare . Mari yacho inobva yatumirwa nemutambisi kune avo vane chikwereti vane zvikwereti vane zvirevo zvinosangana nezvimwe zviyero uye vakabvumidzwa nedare rebhengi. Chiyero chepurogiramu yekubhadhara chinoenderana nemutengo wemutengo, mari, uye rudzi uye chikwereti chemari chikwereti.

Pakupera kwerongwa hwekubhadhara, chero chikwereti chisina kuchengetwa chisina kubhadhara chinodzinga .

Zvikwereti zvinosarudzwawo nenzira dzakasiyana. Zvimwe zvikwereti zvakachengetedzwa, zvinoreva kuti ane chikwereti akaisa mari yekugadzirisa iyo uyo ane chikwereti angashandisa kubhadhara chikwereti kana ane chikwereti achirega kubhadhara. Mimwe chikwereti hachina kuchengeteka, zvinoreva kuti hazvigoni kuchengetedzwa nedhaka.

Zvikwereti zvisina kuchengetedzwa zvinowanzoiswa panzvimbo yekutanga uye kwete yekutanga nokuti nekuda kwechokwadi, dzimwe chikwereti zvinoonekwa sechinyanya kukosha kana zvimwe zvakakosha kubhadhara kupfuura vamwe. Nhamba yekodzero inoziva mutsauko pakati pematokari emitero yakangodarika uye yakasara, uye ine mitsva ichangobva kuve ine nzvimbo inokosha.

Kurapa Kwemitero Imitemo Dhiyabhorosi muChitsauko 13

Zvikwereti zvakakosha zvinofanirwa kubhadharwa zvakakwana muChitsauko 13. Zvisiri zvekutora zvikwereti zvinobhadharwa pamutemo, zvinoreva kuti zvose zvisiri zvekutora zvikwereti zvinokonzerwa pamwe chete, uye kusvika pamwero wekuti kune mari yekubhadhara muurongwa, izvo zvikwereti zvinowiridzirwa zvakaenzana nehuwandu.

Semuenzaniso, zvikwereti zvemitero zvinotora mari zvitsva kupfuura makore matatu ndezvokutanga zvikwereti. Vanofanira kubhadharwa zvakakwana pamusoro peChitsauko 13 kuronga kwemakore matatu kusvika kune mashanu. Mitero yemitero yakakura kudarika makore matatu * inowanzove isiri chikwereti chekutanga.

Muenzaniso : Margaret ane chikwereti che $ 5,000 mukutora chikwereti chemutero uye $ 10 000 mune chikwereti chisiri chekutanga uye ne $ 12,000 mune imwe chikwereti chisingaverengeki sekwereti yemakadhi uye mabhizimisi ekurapa. Apo mari yaanowana uye mari inofungidzirwa, dare rinosarudza kuti rinokwanisa kutenga Chitsauko 13 kubhadhara kwe $ 200 pamwedzi kwema $ 12,000 pamakore mashanu.

Kubva pane $ 12,000, iyo madhora 5 000 inotora mitero yepamusoro inogona kubhadharwa zvakakwana, ichisiya $ 7,000 kubhadhara pane kwete chikwereti chekutanga. Asi pane mari yose ye $ 22 000 mune zvisiri chikwereti chekutanga. Izvozvo zvinoreva kuti chikwereti chimwe nechimwe chisiri chekutanga chinogamuchira zvinopfuura makumi matatu kubva muzana zvezvaanotaura. Asi kana zvikwereti zvose zvaitwa, uye zvimwe zvose zvinodiwa muChitsauko 13 zvinoteererwa, Margaret aizowana kubudiswa kunogona kumubvisa chikamu chemhosva yevakasara 70 muzana.

Kurapa Kwemari Imitero Mitsara muChitsauko 7

MuChitsauko 7, zvikwereti zvakawanda zvisiri chekutanga zvinogonawo kuregererwa. Kana iwe uchikwanisa kupiwa Chitsauko 7, chikwereti chikuru chemutero wemutero unopfuura makore matatu chaiye chingafungidzirwa kubudiswa pamwe nekufarira pamwe nezvirango. Yakawanda yemutero wemutero mutsva, pamwe chete nezvibereko uye chirango pachikwereti chitsva, hachingasunungurwi.

Kuti udzidze zvakawanda pamusoro pemitemo yekusunungura vs. nondisiti yakakwereta chikwereti uye chinotarisana nemari isina chikwereti, ona Kubudiswa Kwebhengi: General Discharge vs. Dischargeability .

Kubvisa Imari Mitero Chikwereti: Faira Chitsauko 7 kana Chitsauko 13?

Kunyange zvazvo pane zvikonzero zvizhinji zvekuisa mari yekuputsa, chinangwa chevanhu vakawanda ndechekuregererwa kwechikwereti . Kana chikwereti chacho chikasunungurwa, mitemo yebhangi ichabvisa munhu ane chikwereti (ndizvo zvatinoshevedza munhu anokonzera kukanganisa kwekwereti) yezvakagadzirisa kubhadhara. Mitero yemari inogona kuiswa mune imwe nyaya ye bankruptcy uye inogona kusunungurwa. Vanhu vazhinji vanowedzera kubhadhara vane mitero yemari inopfuura. Ichokwadi, vamwe vanhu vanoshandisa kubhadhara mari yekukwereta mitero yavo yemitero.

Kwete yose mitero inogona kubudiswa, zvakadaro. Vangave vanogona kusunungurwa uye kuti vanogona sei kusunungurwa kunobva kune rudzi rwavo, zera ravo, rudzi rwekubhadhara iwe iwe , uye dzimwe nyaya dzekutonga nemitero uye inodzoka ivo pachavo.

Zvinonzwisisika: Ichokwadi, mamiriro ose emutero ari akasiyana. Mitemo ipi zvayo inoratidzwa pano inogona kunge inogona kushanda kana kuti isingashandisi panyaya dzako, uye tinokuraira kuti urege kuvimba nechikamu ichi chete kana chimwe chinhu chingakubatsira kuziva kuti mitemo iyi inokukanganisa sei. Kana iwe uine chikwereti chemitero, tinokukurudzira zvikuru kuti utaure nemunhu anokwanisa kubhadhara mutengesi kana muteresi wezvemitero uyo anogona kukukurudzira iwe zvakananga pamusoro pezvinhu zvako zvemitero.

Pane Zvimwe Zvikonzero Zvokushandisa Pane Chitsauko 7 kana Chitsauko 13 Nyaya?

Tisati tasvika kumutero chaiyo wekuteresa, zvakadaro, tinofanira kubvunza mubvunzo wepakona. Pane zvimwe zvikonzero zvingaita here kana iwe uchifanira kuisa Chitsauko 7 kana Chitsauko 13 ? Chitsauko 7 uye Chitsauko 13 matambudziko akagadzirirwa kuita zvinangwa zvakasiyana, uye anozadzisa avo nenzira dzakasiyana. Kururamisa Chitsauko 7 inotora nguva shomanana, mwedzi mina kana mitanhatu nzira iyo munhu ane chikwereti (iwe) anogamuchira kubudiswa mukutsinhanisa chero ipi zvayo isiri iyo yaunogona kutenga. Chitsauko 13 nyaya ndiyo nguva yakareba kwenguva refu iyo uyo ane chikwereti anopa mari yemberi mune ramangwana uye zvigadziro zvekubhadhara chirongwa chemakore matatu kusvika mashanu kuti adzorere chikwereti chikwereti chose.

Zvimwe zvezvikonzero zvekutarisa mukugadzirisa chitsauko chakanaka chiri pasi pekuisa pane chinosanganisira

1. Pasinei nokuti uri kuedza kuchengetedza imba kubva pakutsvaga kana zvimwe zvakasungirirwa semotokari kubva pakudzorerwa. Chitsauko 13 chingave chakakodzera icho icho nokuti chinogona kukubvumira kuti uise zvinotora muurongwa hwekubhadhara . Chitsauko 7 hachina chirongwa cheizvi uye hachizogadziri chirevo munguva refu.

2. Kana uine zvinhu zvakawanda zvisingatengeswi , Chitsauko 13 chinogona kuva sarudzo yakanaka kwauri nokuti Chitsauko 13 hachidi kuti iwe udzore chero chipi zvacho chisina kubhadhara pakarepo kumatirastiki sezvaunoda muChitsauko 7. Pane kudaro, iwe unobhadhara kukosha kwepfuma isiri iyo yepamusoro pamakore matatu kusvika mashanu emakore yeChitsauko 13 nyaya,

3. Pasinei nokuti iwe unogona here kukodzera Chitsauko 7 pasi peMuedzo weZvirevo .

4. Kana iwe unobhadhara chikwereti pane chikwereti chako, iwe unogona kuchengetedza uyo akwereta muChitsauko 13, asi kwete muChitsauko 7.

5. Pasinei nokuti une chikwereti chemutero chausingakwanisi kubhadhara muChitsauko 7.

6. Kana iwe uine chikwereti chakakosha chemari chikwereti chikwereti , iwe unogona kushandisa Chitsauko 13 kuti uchitungamirire.

7. Pasinei nokuti wakagamuchira kubudiswa muChitsauko 7 kana cheChitsauko 13 chekare. Zvichienderana nemhando yechirangaridzo chekare uye rudzi rwechiitiko chitsva, kune zvisizvo zvishoma zvishoma zvishoma zvaunofanira kuomerera.

Kuti uwane zvakawanda pamusoro pechitsauko chingave chakanakisisa pamamiriro ako ezvinhu, ona nguva yekufungidzira kuiswa pasi peChitsauko 13 panzvimbo peChitsauko 7 .

Zvechokwadi, zvizhinji zvechisarudzo zvingava chiito chekuenzanisa. Zvichida kuti mhinduro ndeyeChitsauko 13 nokuti unoda kuponesa imba. Kana zvinogona kunge iwe une chikwereti chakawanda chemari yechikwereti chevadzidzi, asi kunyange chikwereti chemutero chinogona kubudiswa zvakajeka muChitsauko 7.

Zvinogonawo kuitika mune mamwe mamiriro ezvinhu kuisa Chitsauko 7 nyaya, kuwana kubudiswa kwechikwereti chose chinogona kubudiswa, uye pakarepo faira Chitsauko 13 nyaya yekugadzirisa chikwereti chisingagoni kubudiswa muChitsauko 7. Izvi dzimwe nguva zvinotaurwa seChitsauko 20 nyaya (nokuti 7 pamwe chete 13 yakaenzana ne20).