Zvinangwa zveBanruptrupt Case
Vanhu vakasiyana vane zvinangwa zvakasiyana mupfungwa pavanoshandisa mutengi kubhadhara mhosva, kana iri iyo yakananga zvakananga Chitsauko 7, nguva refu-chegumi Chitsauko 13 neurongwa hwekubhadhara, kana kunyange yeChitsauko 11 chekugadzirisa zvakare.
Izvi zvinowanzowira mune rimwe remapoka maviri akaenzana atinozoti matanho ekupedzisira ekupedzisira uye zvinangwa zvekupedzisira.
The Automatic Stay - kuchengetedza vatengi chikwereti
Izvo zvinangwa zvepamusoro zvose zvinopoteredza chigadziro mumitemo ye bankruptcy yakagadzirirwa kupa munhu anenge achikwereta kufema nzvimbo uye kukanganisa kukanganisa-ku-the-courthouse pfungwa dzevakwereta. Iko kunonzi inotsvaga kugara . Iko kunonyanya kupiwa mutemo wenyika iyo inotanga kushanda apo nyaya yacho inoshandiswa iyo inorambidza vanokweretesa kubva kutora zvimwe zviito kuti vatore chikwereti chavo. Saka, pamagumo ekupedzisira, kune vanhu vazhinji, chinangwa chavo ndechokunakidzwa nokuzorodzwa kwekusabatwa nefoni yeHuranguing kubva kuvatori, tsamba dzine zvinotyisa kana kunyange kutongwa. Kune vamwe, ndiyo nzira yekudzivirira kutaridzika kweimba kana kudzoka kwemotokari.
The Discharge - kutarisira chikwereti chekureba kwenguva refu
Pamugumo wemugumo, chinangwa chacho chakasiyana zvakasiyana.
Ichokwadi kuti vamwe vanhu vanoisa kambani yekubhadhara kutenga nguva kuitira kuti vagone kuwana dzimba dzavo dzezvemari, asi kuvanhu vakawanda, chinangwa chavo chikuru ndechokubvisa chikwereti chakawanda sezvavanokwanisa kuitira kuti vagone kuwana kutanga patsva. Zvavari kutarisa ndezvekubudiswa kwezvikwereti .
Wow, izvo zvinonzwika zviri nyore, handizvo here?
Ingotumira nyaya uye zvikwereti zvako zvose zvaenda.
Zvakanaka, chokwadi ndechekuti hazvisi nyore. Haasi zvikwereti zvose zvinobudiswa . Mimwe mhando dzekwereti haigone kubudiswa. Vamwe vanogona kusunungurwa mune zvimwe zviitiko asi kwete vamwe. Zvinogona kuitika kuti wakwereta anoenda kumatambudziko ekuisa chikwereti chekugadzirisa chete kuti azive kuti hapana chikwereti chake chichasunungurwa pakupedzisira.
Kubudiswa kwechokuita ndechekuti mutemo wekutonga unouya pedyo nekuguma kwechiitiko.
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).
Chimwe chinhu chisingagoni, icho vanhu vazhinji vanoda kuwona, ichokwadi kunyorwa kwezvikwereti zvakabudiswa munyaya yacho. Pane kudaro, rutivi rutsva rwemafomu ehurumende ane tsananguro yekuti zvipi zvechikwereti zvinobudiswa. Kana zvisina kudaro, kuti udzidze kuti zvikwereti zvipi zvakasunungurwa mune imwe nyaya, mumwe anofanira kutarisa pamarongwa evanhu vane chikwereti - mapepa akaiswa nemunhu ane chikwereti pakutanga kwechiitiko - uye chero zviitiko panguva yechiitiko chingangodaro chakakonzera kubudiswa kwe kunyanya zvikwereti.
Nyevero yeVatengi : Kubudiswa kunzvimbo yakaoma yemutemo.
Nemhaka yekuti hapana runyorwa rwakapetwa munyaya iyo icharatidza kuti chikwereti chipi zvacho chabudiswa, vatengesi vasina ruzivo rwakakosha ruzivo vanofanira kutarisa kune avo vanokwanisa kubhadhara gweta avo vanogona kubatsira kuti vaone kana chikwereti chipi zvacho chakasunungurwa. Kana iwe uchiita iwe pachako munguva kana kuti mushure mekupedza chikwereti ichipera, uri kuisa njodzi yekuita kukanganisa kukuru kwemitemo yebhishopiti inogona kutungamirira kumatambudziko makuru.
Muchikamu chino tinenge tiri kukurukurirana nezvekuti zvikwereti zvinosunungurwa uye zvikwereti zvipi zvisingabhadharwi, kuti vane chikwereti vanogona sei kurasikirwa nekodzero yavo yekubudiswa, izvo zvikwereti zvinogona kuita, nezvimwe nyaya. Inzwa wakasununguka kunongedza zvakapoteredza kuti udzidze zvakawanda nezvekuti madhora akaita seako anotarirwa sei mumatare ekugadzirisa.
Kuti uwane mamwe mashoko:
Kuti udzidze zvakawanda pamusoro pemarikiti inogona uye isingagoni kubudiswa mumhosva yebhengi, iva nechokwadi chekushanyira mapeji aya:
Discharge Overview
Kuedza kusunungurwa kwevanhu vose uye kubudiswa kwezvikwereti
Kusununguka kwezvikwereti
Zvikwereti zvevadzidzi (nezvimwe zvisiri)
Kubvisa zvikwereti zvemotokari, zvikwereti zvemusha uye imwe chikwereti chakachengetedzwa