Unofunga kuitei neimba yako?
Kana iwe uri kufambisa chikwereti, iwe unofunga kuitei neimba iyo inoshanda somutengo kune zvikwereti zvako? Kunyange zvazvo chikwereti ichigona kusunungurwa, chibvumirano chekuchengetedza hachizi, uye mukwereti achiri nekodzero yekushandisa chibvumirano kugutsa chikamu chikamu chechikwereti.
Chimwe chezvinyorwa zvinyorwa zvakawanda zvaunofanira kuzadzisa paunenge waita kuti upedzisire iFomu Yomutemo 108, inonzi "Statement of Intention." Iyi nyanzvi inoudza mutongi webhengi , mutongi , uye vako vane chikwereti chaunoda kuita nedzimwe nzvimbo uye zvimwe zvikwereti.
Nyaya yeChenjedzo inogonawo kuchinja nzira yekugara yakashanda .
Iwe unogona kukotora uye ugoza fomu yeSitatimende reGumo pano.
Chikamu 1
Chikamu chekutanga cheStatement of Intention chikukumbira kuti "Nyora VaKweretesi Vako Vakachengeteka Zvirevo." Iwe unogona kuyeuka kuti izvi zvinoreva kuchengetwa zvikwereti . Ichi chikamu hachirevi chero chikwereti chakachengetedzwa, asi zvikwereti zvinodzivirirwa neimba yeimba. Pamusoro pekunyorwa kwekwereti, chikamu chako chose chinova chivigiro chekugadzirisa nzvimbo, iyo inotungamirirwa nemutrasti (kunze kweimwe nzvimbo yaunosunungura ).
Kune Chikamu 1, unofanira kutanga kutarisa zita remutengi we chikwereti chakachengetedzwa. Semuenzaniso, kana chikwereti chakachengetwa chiri pamba yemari, chengetedza zita remutengi pasi pe "Zita raCreditor." Zvadaro, unofanirwa kupa tsanangudzo yeimba inowana chikwereti pasi pe "Chikamu Chekuchengetedza Chikwereti." Somuenzaniso, unogona kunyora pasi kero yeimba yako kana chikwereti chakachengetwa chikwereti chemusha.
Pashure pezvikamu izvi, pane mabhokisi ekuongorora kutsanangura zvaunoda kuita neimba.
- Dzorerai Imba - dzoserera kumunhu ane chikwereti mukutsinhanisa kubhadhara chikwereti chako pane chikwereti.
Kana ukasarudza kuchengeta kana "kuchengetedza" imba yacho, unofanira kusarudza kana iwe "uchidzikinura" iyo pfuma kana kuti "dzosimbisa" chikwereti kana kupa chimwe chiito.
- Chengetedza Pfuma uye Udzikinure Izvo - Kuwana nzvimbo yacho kunosanganisira kuripa chikwereti kukosha kwekutengesa kwepfuma panguva yawakaisa kubhadhara, kunyange uine chikwereti pane imwe nzvimbo pane zvakakosha. Kuita izvi kunoda kuti iwe uise mvumo nedare rebhengi.
- Chengetedza Imba uye Usimbise Izvo - Unogonawo kutarisa "reaffirm" bhokisi, zvinoreva kuti iwe unoda kutora chikwereti zvakare. Izvi zvinoreva kuti chikwereti chichapona kubhadhara.
- Chengetedza iyo Imba uye [tsanangura] - Iwe unowanzoongorora bhokisi iri kana uchida kuramba uchibhadhara chikwereti maererano nesungano yako yepakutanga (kunyange pane zvimwe zvingasarudzwa). Kana iwe uchitarisa bhokisi iri, unoda kunyora tsanangudzo pfupi yezvaunoda kuita neimba, zvakadai sokuzvichengetedza pasina kugutsikana nekuramba uchibhadhara.
Mamwe mabhokisi maviri okupedzisira muChikamu 1 anoda kuti iwe uratidze kuti kana kwete iyo nzvimbo inonzi yakasunungurwa .
Iwe unofanira kuzadza zvose zvepamusoro pane imwe neimwe yeimba iyo yakachengetedzwa neimba yeimba. Yeuka kuti iyi inowanzova pamba yemari uye chikwereti chemotokari kune vanhu vakawanda (kunyange zvingasanganisira zvimwe zvinhu).
Chikamu 2
Chikamu chechipiri cheSitatimiti cheNzira inokubvunza iwe nezvehupfumi hwemunhu huri pasi pekubhadhara kusingatarisirwi.
Izvi zvinoreva pfuma yako yawakabhadhara kubva kune akwereta. Somuenzaniso, kana uchikwereta motokari, iwe uchada kutaurira dare kuti chii chaunoda kuita nechokubhajisa.
Kufanana neChikamu 1, unofanira kunyora pasi zita remuduku. Muduku ndiye munhu anokukwereti imba (semuenzaniso, kambani yemotokari). Zvadaro, unofanirwa kutsanangura nzvimbo yakakodzwa. Izvi zvinowanzotaura zvakananga. Somuenzaniso, yemotokari yakarasikirwa, tsanangura maitiro uye mienzaniso yemotokari. Mubvunzo wokupedzisira unopedzisa Chikamu chepiri ndewokuti "Kubhadhara kunofungidzirwa here?" Kana iwe uchida kuchengetedza pfuma uye uchiramba uchibhadhara muduku, unofanira kutarisa "Hongu" bhokisi. Kana iwe usingachadi kuchengetedza chikwereti, chengeta "No" bhokisi.
Chikamu 3
Sezvimwe nemamwe mafomu emafomu, iwe unofanira kusayina uye kugadzira Chirevo cheNyanzvi pasi pechirango chekupomerwa.
Kuti udzidze zvakawanda pamusoro pezvinorevei izvi zvinoreva, ona Kuora Kwemhosva muBanruptcy Case .
Yakarongwa naCarron Nicks, Gunyana 2016.