Zvimwe zvikwereti zvichapona kubhadhara ndezvikwereti izvo zvisingakwanisi kubudiswa mumutambo wechibhadhaki .
Zvizhinji zvezvizvi zvinowira muzvikamu zviviri zvakapetwa: madhora anogara achizvigadziriswa uye asingakwanisi kubhadhara, uye zvikwereti izvo dare rinosarudzwa risati rabudiswa.
Muchikamu chino, tinotaura nezvemakwereti anongoerekana asingakwanisi kuwanikwa. Mune mamwe mazwi, vateresi havafaniri kuisa chero chinhu kuti zvikwereti izvi zvirege kuregererwa.
Madhaini Asinganyorwa muBhengruptcy Paperwork
Chero zvikwereti izvo zvisina kunyorwa mumabhuku ekubhengesa, zvakare anonzi mahedheni ekugadzirisa , haazombobudiswi nokuti avo vane chikwereti havazocherechedzi kana kuti vane mukana wekutora chikwereti muchikwata chekubhadhara. Izvi zvinosanganisira zvikwereti zvisingatauri mumatare epamberi asi asati ave.
Asi, kana akakweretesa wako akadzidza nezvekuregererwa kwekodzero yako neimwe nzira, chikwereti chacho chinobudiswa. Izvi ndechokuti munhu ane chikwereti ane ruzivo rwekwereti ye bankruptcy anogona kutora chikamu mazviri nekuisa chirevo kana kuti kuudza dare kuti rinoziva nyaya yacho.
Vakawanda vanokweretesa vanodzidza nezvekudarika mabheji nokuti vanonyora kubasa reBanko Solutions. Zvikwereti zvakakura, kufanana nemakambani ekadhi rechikwereti nemabhangi, achafananidza vashandisi vezvinyorwa zvadzo kune mamwe mashoko akaunganidzwa neBanko nemamwe mabasa anobatsira kuti vasarudze kuti ndeupi wevatengi vavo vakaisa mari.
Mune dzimwe hurumende, matare e bankruptcy ave akatora kuti madhora asina kunyorwa mumapepa ekubvisa mabhizimusi achasunungurwa chero zvakadaro kana kutarisirwa kwakanga kusina kuita nemaune uye kana uyo ane chikwereti aisazogamuchira chero kuparidzirwa kubva kune mhosva, iyo inowanikwa mumatare akawanda ekudarika.
Mitero
Zviremera zvakawanda zvakadzidza zvakanyora mabhuku pamusoro pemitero uye kuparara. Iyi ingangodaro nyaya inonyanya kuoma mumutemo wose wekushungurudza.
Kuti uone kana chikwereti chemutero chabudiswa kana kwete, tinofanira kutarisa zvinhu zvakasiyana-siyana, kusanganisira rudzi rwemutero, rudzi rwebhadhadzi yakaiswa, kana kudzoka kuchiiswa, uye makore emitero.
Takaisa mitemo yakawanda pamusoro pekubudiswa kwemhando dzakasiyana dzemitero muzvikamu zviviri:
Kubvisa chikwereti: Bhizimisi, Kutengesa uye Imba Mitero
Kubvisa chikwereti: Federal and State Revenue Taxes
Matanho anokwira kunze kweMhuri yeMutemo Maitiro
Kazhinji chikwereti chemutemo chemhuri hachizobudiswi munyaya ye bankruptcy (asi pane zvishoma zvisiri).
Mhando dzakasiyana-siyana dzezvikwereti zvinogona kubuda munyaya yemutemo yemhuri: rubatsiro rwevana, alimony, dzimba dzekugara, avo vanoita mari uye mamwe.
Nhamba yekodzero inotaura nezvemhando mbiri dzakasiyana dzemutemo wemhuri chikwereti. Imwe ndeye " Imba yekuchengetedzwa kwemukati ," uye imwe chikwereti chinobuda kunze kwenzvimbo yekugara.
Misha yekutsigirwa yeMumba inosanganisira
- Kushamwaridzana kana kutsigirwa kwemwana
- Alimony
- Maintenance
- Zvikwereti zvinokonzerwa nekuparadzanisa zvibvumirano
- Attorney mari mukutsigirwa kwevana uye vakaroorana vanotsigira matambudziko
- Zvikwereti zvizhinji zvinokonzerwa nemubatanidzwa-zvisingabatsiri zvikamu
- Wakawanda muchengeti ad litem mari
Nzvimbo yekugadzirisa chikwereti chikwereti inowanzoitika apo mapato anobvumirana kugovana zvivako, asi kupatsana kweimba kuchaitika mune ramangwana, kana kupfuura nguva, uye chikwereti chinokonzerwa apo imwe chikamu inosungirwa kubhadhara imwewo chikamu.
Nokuda kwezvinangwa zvakawanda, mishonga yekuchengetedza dzimba uye zvivako zvekugara zvinotarisirwa zvakafanana. MuChitsauko 7, mamiriro maviri ekutsigirwa kwemhuri uye zvivako zvekugara hazvigoneki. Asi, muChitsauko 13, nzvimbo dzekugara dzinogona kubudiswa. Iyi nzvimbo inogona kuva yakavhiringidza kune vane chikwereti uye vakweta zvakafanana nokuti kazhinji dare rinofanirwa kusarudza kana nzvimbo yekugadzirisa iyo inenge iri basa rekuchengetedza musha kuvhara.
Kuti udzidze zvakawanda nezvekuti madhora aya anotarisirwa sei pakubhadhara, ona
- Dzimba Dzokutsigira Kutsigira muChitsauko 13
- Sei Uchiisa Kuda Kuda Kubvumirana Nezvokurambana-Zvimwe Zvakabhadhara ?
Matambudziko kuhurumende dzehurumende
Zvikwereti (kunze kwemitero) kumasangano ehurumende, kusanganisira federal, hurumende nehurumende, inenge nguva dzose isingakwanisi kuregererwa. Izvi zvinosanganisira mitero yematare, chirango, uye kubhadhara mhosva.
Kune dzimwe nzvimbo, zvisinei. Kana iyo yakanaka yakagadzirirwa kubhadhara hurumende yemari yakarashika nekuda kwako, inogona kubudiswa. Somuenzaniso, kana hurumende yeguta inofanira kutema uswa hwako nokuti yakakwirira kana kuti inofanira kubvisa chimiro chakatongerwa kubva pfuma yako, iyo mari inogona kubudiswa mubhengi rekugadzirisa kana yakagadzirirwa kubhadhara guta nekuda kwemari yaunoita unofanira kunge wakazvibata iwe pachako. Asi, kana guta racho rakagadzirirwa chakanaka chakakonzerwa kukuranga iwe, sechikwereti chinokurumidzira, chikwereti icho hachizobudiswa.
Zvimwe zvikwereti kune hurumende inogona kubudiswa zvinosanganisira zvikwereti zvebhizimusi zveSBA neFHA kumusha wemari.
Mari dzevadzidzi
Zvikwereti zvevadzidzi zvakaoma, asi hazvigoni kushandiswa mubhadhadzi. Nemhaka yekuti nzvimbo iyi yakaoma, takanyora zvikamu zvose zvemashoko ekukutungamirira mukubata nevadzidzi vako zvikwereti kana iwe ukaisa Chitsauko 7 kana Chitsauko 13. Heano mamwe magwaro okuita kuti utange:
Zvikwereti zveMunhu Pakukuvadza Pamusana peKunyorerwa
Kana iwe ukakonzera kukuvara kwako nokuti wakadhakwa uchiri kushandisa motokari, chero chikwereti chinokonzerwa nekukuvadza uku hachizobudiswi mumhosva.
Musha weZvenyika Imari
Kana iwe uchigara mumakondinium kana imba yekubatana, iwe uchabhadhara mari yemwedzi, yegore kana yegore kana yegore yekuchengeta nzvimbo dzakawanda. Vazhinji vadzimba veimba dzisingabhadharwi vanobhadhara musangano weimba yekugara mari yeperiodic, kunyanya muzviitiko zvakarongeka kana kuti zvitsva zvemuzinda. Iko mari inenge isingakwanisi kubhadharwa munyaya yekudarika.
Izvi zvinogona kuva dambudziko rechokwadi kumunhu ane chikwereti apo imba inopihwa kune iyo chikwereti. Mari yeH HOA haisi kungoenda apo izvo zvinoitika. Iwe ucharamba uine hurumende yeHoA inobatsira chero bedzi nzvimbo yacho ichiri muzita rako, kunyange iwe ukaisa chikwereti uye hausi kugara mumba. Kana iwe chikwereti chako chisati chagara chichimbidzika kana kusarudza kusafanoita, unogona kuzviwana uine mari yakawanda ku HOA.
Kuti uwane mamwe mashoko:
Kuti udzidze zvakawanda pamusoro pemarikiti inogona uye isingagoni kubudiswa mumhosva yebhengi, iva nechokwadi chekushanyira mapeji aya:
Kuedza kusunungurwa kwevanhu vose uye kubudiswa kwezvikwereti
Kubvisa zvikwereti zvemotokari, zvikwereti zvemusha uye imwe chikwereti chakachengetedzwa
Kuzosimbisa uye zvimwe zvakasununguka pakubudiswa
Kutaurira kusununguka kwematambudziko
Yakarongwa naCarron Nicks Nyamavhuvhu 2017