Tora Mutero Pamitero Yako Nechitsauko 13 Bankruptcy
Iwe uchawana zvakawanda zvakawanda pamusoro pekubhadhara zvikwereti , uye kunyanya nezvekutora chikwereti chemitero . Mimwe chikwereti chemitero, zvisinei, hachigoni kubudiswa. Semuenzaniso, mitero yemari inoshandiswa haigone kuregererwa kana ichangobva kuitika, iyo ndiyo yakakodzera nokuda kwekudzoka kwaifanira kuiswa pasi pemakore matatu isati yabhadhara chikwereti. Mumwe mushandi anokweretwa chero ipi zvayo yemitero yemitero iyo mushandirwi anokundikana kutendeukira kune simba rekuteresa.
Izvozvo hazvibviri kubudiswa.
Kunyange iwe ungasakwanise kubhadhara chunk yemutero wemutero, uchiri kukwanisa kushandisa rudzi rwekushungurudzwa kunonzi Chitsauko 13 kutarisa chikwereti icho uye kuribhadhara.
Sei Chitsauko 13 Chinoshanda
Kunze kwekuti IRS kana imwe hurumende inobhadhara mitero yakaisa bvumirano yakakodzera pane yako, chikwereti chako chemutero hachina kuchengeteka. Chikwereti chisina kuchengetedzwa chine chikwereti chakaiswa pairi. Zvakanyanya kufanana nekukwereta kadhi rechikwereti kupfuura chikwereti chemotokari. Nekubatanidza, hurumende inotengesa inogona kutengesa imba yacho kuti iwane mari yakakodzera kubhadhara chikwereti chemutero, kana kuti inogona kumirira kusvikira iyo inotengeswa uye tarisira kuti mutengo wokutengesa wakakwana kuti uvhare chikwereti chechikwereti.
Kana iwe ukaisa Chitsauko 13 nyaya, iwe (unozivikanwawo se "chikwereti") ucharonga hurongwa hwekubhadhara . Pasi purogiramu yekubhadhara, iwe uchaita mutero wegore negore wemakore matatu kusvika mashanu kumutrasti akasarudzwa nedare rekudarika .
Muteresi ndiye anopa zvikwereti zvako pakati pevakweretesi avo vakapa zvikonzero zvakakodzera munyaya yenyu.
Chitsauko 13 chine zvose zvidziviriro zvemamwe marudzi ekubhadhara, seChitsauko 7 chakananga chekugadzirisa uye Chitsauko 11 reorganizations. Vanhu vane chikwereti vanofanira kupinda mudare rekubhadhara kana vachivimba kuti vangatora chikwereti.
Havakwanisi kutora nhanho pachavo pachavo pasina kubhadharwa kwematare edzimhosva. Izvi zvinoshanda kunyange kune IRS nezvimwe zviremera zvekuteresa.
Kunyangwe iwe uchibhadhara makore matatu kusvika mashanu, mugore reChitsauko 13, zvinogona kupedzisa hurongwa hwako huripo nekuda kwechikwereti chisina kuchengetedzwa, sekukweretheni makadhi, zvikwereti zvemari, kubhadhara zvikwereti, uye zvikwereti zvebhengi. Iko kunonzi kusingarevi chikwereti chisina kuchengetedzwa. Chero bedzi iwe wakabhadhara maererano nekukwanisa kwako kubhadhara, zvichienderana nemurairo unofunga nezvekuwana mari yako, zvinokwanisika mari, uye mari uye mhando dzekwereti iwe une chikwereti, iwe unofanirwa kubhadhara chikwereti chakasara chisati chiri chechikwereti chisina kuchengetedzwa.
Imwe chikwereti chisingaverengeki hachigoni kubudiswa nenzira iyi, zvakadaro. Izvozvo zvikwereti zvinonzi zvikwereti zvakakosha. Zvikwereti zvikwereti zvikwereti zvisina kuchengetwa zvinowana zvakakosha muChitsauko 13. Muzvizhinji, vanofanirwa kubhadharwa zvakazara pamusoro pemakore matatu kusvika mashanu. Zvikwereti zvizhinji zvemitero zvisingabhadharwi muChitsauko 7 zvinowanikwa zvikwereti zveChitsauko 13.
Charlie Chitsauko 13 Ronga
Zvichabatsira kutarisa muenzaniso wekuti chirongwa cheChitsauko 13 chinoshanda sei. Charlie anoita $ 4,000 pamwedzi. Tinofanirawo kutarisa Charlie kudhura kwemwedzi unoyevedza, kusanganisira chikwereti chake, zvishandiso, uye yekuchengetedza musha, zvokudya, kuchengetwa kwevana, mari yekurapa, foni, kutakura, uye zororo.
Muchiitiko chedu, Charlie ane mari inosvika $ 3 700 pamwedzi. Cherechedza kuti takasiya kadhi rechikwereti. Izvozvo hazvifungidzirwi mari nokuti ichabhadharwa sechikamu cheChitsauko 13 chirongwa, sezvakatsanangurwa pamusoro apa.
Misiyano iripo pakati peCharlie iripo yekubhadhara uye mari yake yose mari ndeye "mari yakawanikwa". Chirongwa chaCharlie chichatofanira kupa kuti anobhadhara kuChitsauko 13 mutevedzeri mari yake inogadziriswa mwedzi mumwe nomumwe. Kureba kwechirongwa, makore matatu kana mashanu kana chimwe chinhu pakati, chinoenderana zvikuru neCharlie yemari yekuwana uye ukuru hwemhuri.
Ko Chitsauko 13 Chingaita Sei Kuti Uchengetedze Nondischargeable Priority Taiti Chikwereti?
Saka Chitsauko 13 chinobatsira sei? Panzvimbo yekuenderera mberi kurwisana nemari inoshandiswa iduku kudarika zvose izvi chikwereti chemutero uye makadhi ake emakadhi, Charlie anongorayira muteresi chimwe chikwereti mwedzi we $ 300.
MuTrasti achazogovera iyo $ 300 kuCharlie's creditors. Mune mamiriro edu ezvinhu, nokuti chikwereti chemutero ndicho chikwereti chekutanga, kodzero yekubhadhara ichabhadharwa kutanga kusvikira kubhadhara kuri kubhadharwa zvakakwana. Kana imwe nguva mutero wekutengesa wanyatsogutsikana, zvikwereti zvichaenda kune dzimwe nyika dzisina mari dzisina kubhadhara.
Pakupera kwerongwa hwekubhadhara kwaCharlie, angave achine chikwereti chevaya vane chikwereti. Asi, achabhadhara chikwereti chemutero. Chero chikwereti chisingabatsiri chinoramba chiripo chichasunungurwa zvichida, kunze kwezvikwereti zvishomanana sezvikwereti zvevadzidzi.
Chitsauko 13 chichabvumira Charlie kubhadhara chikwereti chake chemutero chisingaverengeki pamakore matatu kusvika mashanu. Asi iyo handiyo chete inobatsira kuisa Chitsauko 13. Kufarira kune chikwereti hakumhanisi panguva yeChitsauko 13. Nokudaro, chikwereti chemutero chinogona kupararira kwenguva yakareba kudarika simba rekutakura rinobvumira, uye rinokwaniswa pa -0- muzana inofarira.
Zvinhu zvakawanda zvinokonzera kuti Chitsauko 13 chinoronga sei basa uye ndiani anokweretwa. Kuti uve nemamiriro ako ezvinhu akaongororwa, sidza munhu anozvidzivirira mutengi kuvhara gweta. Vakawanda vanopa kubvunzurudza pasina pachena uye pasina zvakasungirwa.