The General Discharge
Kazhinji, apo magweta pavanoshandiswa vanoshandisa izwi rokuti "kubudiswa", tirikurukura nezvekurayira kwekutengesa kunotonga nyaya pedyo nekumagumo kweChitsauko 7 kana Chitsauko 13. Kazhinji tichadana izvo zvinorayira g inorasirwa . Zvose zvinorayiridza zvinoratidzira kunyika kuti munhu ane chikwereti (munhu akaisa chikwereti ichocho) akaita izvo zvaaifanira kuita pasi pemitemo yebhangi uye zvakare kununurwa kwechisungo chekubhadhara zvimwe zvezvikwereti zviri rechargeable .
Chimiro chacho chiri nyore. Dzvanya pano kuti ubatanidzwe kune kopi yemafomu eSouth Courts 'rasmi.
Rinoti:
Izvo zvichitarisa kuti ane chikwereti ane kodzero yokusunungurwa, IYE YAKADZWA: Anokwereta anopiwa kubudiswa pasi pechikamu 727 chebhuku 11, United States Code, (The Bankruptcy Code).
Mukukurukurirana pamusoro pekusununguka kwevanhu vose. Zvakakoshawo kunzwisisa kuti kusunungurwa iropafadzo, kwete kodzero.
Kana munhu ane chikwereti asingakwanisi kuwana kubudiswa, anofanira kuita zvinhu zvakawanda kuti aratidze kuti ane kodzero yekuregererwa.k
Semuenzaniso, uyo ane chikwereti anofanira kuisa sarudzo yakakwana uye yezvokwadi yemararamiro anofukidza zvinhu zvose zvemari yake. Anofanirwa kupinda Musangano weVatengi , uye haafaniri kunge asina kukanganisa vatsigiri vake vasati vapa mari.
Kuregererwa Kwemamwe Madhipatimendi
Kwete dzose zvikwereti zvinokwanisika, zvisinei. Kunyange zvazvo ane chikwereti achigamuchira kubudiswa kwevanhu vose, zvinogona kuva kuti imwe yezvikwereti zvayo yakanga isiri kunze kwekudzikinurwa. Mune mamwe mazwi, haasi kuregererwa munyaya yacho.
Zvinosuruvarisa, huwandu hwekuregererwa kwekutsvaga hakurevi rondedzero yematokari ayo akatobudiswa. Izvi zvinogona kuvhiringidza kune vose vane chikwereti uye vane chikwereti. Pane kudaro, urongwa wacho pachahwo hunosanganisira mamwe tsanangudzo pamusoro pezvakatarisana (kana pane imwezve pepa inowanikwa mumavhopupe) inotiudza kuti kubudiswa chii uye inopa mienzaniso yemhando dzekwereti dzisingabhadharwi. Kunyange zvakadaro, mirayiridzo inowedzera yakawanda, ine tsanangudzo dzakadai se "Madhora emitero yakawanda " uye " Mimwe chikwereti chakanga chisina nzvimbo chakanyorwa nemunhu ane chikwereti."
Mutemo mukuru mubhedheni yekushungurudza ndeyekuti chikwereti chinodedwa kunze kwekuti chimwe chezvinhu zvina chiri chechokwadi:
The Bankruptcy Code inotaura zvakananga kuti rudzi rwechikwereti harubudiswi .
Munhu ane chikwereti anowirirana mhosva, anonzi muvengi anoramba achienderera mberi , munyaya yekupikisa kuregererwa kwechikwereti chakasiyana, izvo zvinoguma nesarudzo mutongi webhengi kuti chikwereti hachibudiswi.
Anokwereta anosimbisazve chikwereti.
Munhu ane chikwereti anoramba kubviswa zvachose.
Izvi zvose zvinobvunza mubvunzo wekuti zvikwereti zvakabudiswa sei mune imwe nyaya. Izvo zvinoenderana nemhando yechikwereti, uye mune dzimwe nguva, zvinoenderana nokuti uyo ane chikwereti kana ane chikwereti akatora chiito panguva yacho kuti akumbire mutongi webhengi kuti azivise chikwereti chisingaregi. Izvi ndizvo zvatinowanzoreva sekuregererwa kwechikwereti.
Nokudaro, kuti aone kana chikwereti chipi zvacho chakasunungurwa, zvichange zvakafanira kuziva kana chimwe chinhu chakaitika munyaya iyo inogona kuchinja chikwereti chaizotorwa mune chimwe chisingaiti.
Kuwana Kuti Chero Chikwereti Chakasunungurwa
Kana iwe uine mubvunzo pamusoro pekuti chikwereti chakabudiswa, unowana sei mhinduro? Nzira yakanakisisa yekuziva nayo ndeyokukumbira gweta ane ruzivo nyaya yacho. Izvozvo zvinogona kuva gweta uyo anomiririra muteresi kana mumwe munhu ane ruzivo rwepafeji yefa.
Mafaira edzimhosva mabhuku ehurumende uye anowanzowanika paIndaneti kuti awane mari kuburikidza nehurumende yepamutemo yePACER.
Kana iwe uri chikwereti, uye iwe une mibvunzo pamusoro pekuti chikwereti chacho chabudiswa, ungadai wakachenjera kutsvaka mazano emutemo usati watora matanho ekuunganidza chikwereti. Kana iwe uchiedza kuunganidza chikwereti chakakonzerwa, inogona kuva chidzidzo chakakosha kwauri nokuti iwe unogona kubatwa nekuzvidza nedare uye wakagadzirisa kubhadhara kune akakwereta.
Kuti uwane mamwe mashoko:
Kuti udzidze zvakawanda pamusoro pemarikiti inogona uye isingagoni kubudiswa mumhosva yebhengi, iva nechokwadi chekushanyira mapeji aya:
B kunokanganisa Rule 7004
Discharge vs dischargeability
Kuedza kusunungurwa kwevanhu vose uye kubudiswa kwezvikwereti
Bhizimisi, kutengesa uye mitero yemitengo
Zvikwereti zvevadzidzi (nezvimwe zvisiri)
Kukuvara kwevanhu uye zvivako
Kunyengera
Recent credit card charges and cash advances
Kubvisa zvikwereti zvemotokari, zvikwereti zvemusha, uye imwe chikwereti chakachengetwa
Kuzosimbisa uye zvimwe zvakasununguka pakubudiswa
Kutaurira kusununguka kwematambudziko