Kushungurudza Kwekupfuura Musoro Wekutanga: Fresh Start
Chimwe chirevo chekugadzirisa mari ndechekuti "yekutanga kutanga." Pfungwa ndeyekuti munhu wose anokanda firiji yekusungirwa anofanirwa kubuda mairi pachigaro akakagadzirira kutaura zvakanaka kune nguva dzakaoma, tanga zvekare uye uenderere mberi nehupenyu.
Iwe haugoni kuzviita kana iwe usina chakanaka chezvakakosha kuti urambe uine hupenyu uhwu. Nzira chete inogona kuitika ndeyekuti firipi - munhu watinodana "ane chikwereti" - yakasara ine pfuma yakakwana yekuzvitsigira iye pachake uye nhengo dzomumhuri dzakavimbika.
Kana munhu kana vaviri vakaroorana vachikanda mhosva yebhengi, havakwanisi kutora zvose zvavavo kumatare nevatengi. Vanobvumirwa kuchengetedza imwe nzvimbo yemugove kubva pavanosvika kune avo vane chikwereti. Izvo zvinhu zvinokwereta zvinoramba zvichiri kuzivikanwa sezvisingabvumirwi pfuma. Imba yakasunungurwa inosanganisira imwe yero yekuenzanisa muzvinhu chaiyo, semhuri yemhuri, pfuma yega yega semafambisi, zvipfeko, michina yekicheni, imwe kana kupfuura motokari, zvishandiso zvinoshandiswa mubhizimusi kana basa, zvimwe zviyero zvemaripo yemazuva ano, rubatsiro rwevana, alimony, nezvimwe zvinotsigira rubatsiro, nezvimwe zvinhu.
Vanhu chete ndivo vanogona kunge vakasiya zvinhu. Zvinhu zvechinhu chinoshandiswa muChitsauko 7 chekugadziriswa chichatsvaga zvachose.
Zvinhu zvekambani inoshandisa Chitsauko 11zve kugadziriswa hazvizogadziriswa kunze kwekuti sangano rinosarudza kuzviita kutsigira chirongwa chekugadzirisa zvakare. Kana zvisina kudaro, Chitsauko 11 chikwereti chichashandisa ramangwana mari.
Ndeipi nzvimbo inodzivirirwa kana kuregererwa muchengeti chekudarika?
Uyu mubvunzo unoshamisa kwazvo, uye unobva pane zvaunogara iwe, kunyange zvazvo kubhadhara kunotungamirirwa nemutemo wehurumende.
Inogonawo kutarisa kuti wakagara kwenguva yakareba sei mumamiriro iwayo. Hurumende imwe neimwe ine urongwa hwakasiyana uye inobvumira vagari vayo kuti vabvise marudzi akasiyana edzimba mumari yakasiyana. Somuenzaniso, mune dzimwe nyika seTexas, mune mamwe mamiriro ezvinhu unogona kukonzera zvose zvehutano mumba mako, kunyange kana iri mamiriyoni ehurumende mansion. Asi kune dzimwe nyika, kufanana neKentucky, unogona kungoita $ 5,000 muimba yakakwana.
Mamiriro ehurumende-Akananga
Nyika imwe neimwe ine urongwa hwaro hwekuregererwa. Vanhu vazhinji vanoziva nezvekugadziriswa kwezvinhu chaiyo kune vimba, vagari vakura, varimi nevamwe vanobvumira vanogara kugadzirisa mitero yemitero. Mune dzimwe nyika ane zvikwereti zvinoshandiswa kugadzirisa nzvimbo iyo inogara inogona kuchengetedza kubva pakusvika kune vane chikwereti avo vanozotsvaka zvinhu izvi kutengesa nekugutsa zvimiso nezvimwe zvikwereti.
Apo Bankruptcy Code yakagadzwa muna 1978, Congress yakasarudza kubvumira hurumende imwe kusarudza kana vagari vayo vaizofanira kushandisa hurongwa hwekuregererwa kwehurumende, kana vagari vemo vaizobvumirwa kusarudza pakati pehurumende yavo yekuregererwa uye imwe iri muBhangeruptcy Code pachayo . Parizvino, chete hurumende dzinotevera dzinobvumira vagari kusarudza pakati pehurumende kana hurumende dzisingabhadharwi.
Mamwe mamwe masangano anobvumira chete kusunungurwa kwenyika:
- Alaska
- Arkansas
- Connecticut
- District of Columbia
- Hawaii
- Massachusetts
- Michigan
- Minnesota
- New Hampshire
- New Jersey
- New Mexico
- Pennsylvania
- Rhode Island
- Texas
- Vermont
- Washington
- Wisconsin
Kuti udzidze zvakawanda nezvehurongwa hwekuregerera humwe hurumende, enda kune iyi inyanzvi yekushandisa: Kubhadhara Kunyoreswa neHurumende.
Kuti udzidze zvakawanda nezvehurongwa hwekuregererwa kwehurumende, verenga Federal Bankrupt Exemptions .
Zuva re730/180 Rokutonga Kushandisa State Kuregererwa muBanruptcy
Kuti ushandise mvumo yehurumende, unofanira kunge wakagara (wakave domiciled) mune iyo misi kwemazuva manomwe (2 makore) usati waisa iyo yekwereta. Kana iwe usina kurarama munyika yezvino kwemazuva anenge 730, iwe unofanira kushandisa kusunungurwa kwehurumende kwawakasimudzirwa kwenguva yakareba mumazuva 180 asati apera makore 730/2 asati asvika.
Kuti udzidze zvakawanda pamusoro pekuti mutemo uyu unoshanda sei, ona Kusarudza Kuti Ndezvipi Zvido zveNyika Zvokushandisa .
Kune zvakawanda pamusoro pekuregererwa kwemabhadharo nemitemo kushanda, ona
Mabhenji Anokanganisa Sei Kuita Chitsauko 13 uye Chitsauko 11 Mhosva?
Federal Non-bankruptcy Exemptions
Kusarudza Pakati Pehurumende uye Federal Bankruptcy Exemptions
Yakarongwa naCarron Nicks, munaNovember 2016