Kushungurudza Purogiramu D

Nyora zvose zvawakachengetedza zvikwereti muChirongwa D

Purogiramu D chikamu chezvitevedzeri zvemashoko ayo ane chikwereti akafambisa nedare rekudarika . Iyo inonzi "Official Bankruptcy Form 106D," kana kuti "Purogiramu D - Vatikwereti Vane Zvikwereti Vakachengetedzwa nePfuma." Kusiyana nezvikwereti zvisina kuchengetedzwa (zvikwereti zvezvokurapa, makadhi emakadhi, nezvimwewo), zvikwereti zvakachengetedzwa zvine mari, semotokari uye dzimba. Munhu ane chikwereti ane chivako cheimba yako, kana kodzero yekubata pfuma iyo ukakundikana kubhadhara chikwereti chako kana kuti zvimwe zvakashata pane zvaunosungirwa.

Kufanana nedzimwe sarudzo dzekushandura, zvakakosha kuti kubhadharwa kwekubudirira kuitira zvakarurama uye kunyatsozadza Purogiramu D.

Iwe unokwanisa kuwana hurumende yeHurumende D pano . Iwe unogona kuzvizadza pawebsite yeU.S. Court, asi haugone kuichengeta ipapo. Iva nechokwadi chekuchikomborera iyo kumakombiyuta yako mushure mekunge mazadza.

Chii Chikwereti Chakachengetedzwa?

Usati watanga kuzadza Purogiramu D, unofanirwa kuziva kuti chikwereti chako chinogona kuchengetedzwa sei . Zvivimbiso zvakachengeteka zvinosanganisira zvikwereti zvemari uye zvikwereti zvekubhadhara mari, asi zvinogonawo kusanganisira zvikwereti kuti utenge zvimwe "titi huru" zvinhu sechikepe kana zvigadzirwa zvebhizimisi rako. Inogonawo kusanganisira kutenga zvekutengesa, semidziyo, midziyo, uye zvishongo. Vamwe vatengesi vanowanzotora rubatsiro rwekuchengetedza mukutenga kwako. Izvi zvinowanzoitika pamagetsi uye fenicheti dzekutengesa. Simbisa chiratidzo ndechokuti kwenguva yakareba kakawanda kaviri kamuti risiti iwe wakasaina.

Kana munhu ane chikwereti akakuteterera uye akawana mutongo, mutongo unofanirwa kubhadhara chikwereti chakachengetedzwa nekuti unopa chikwereti dzimwe kodzero munzvimbo yako.

Dzimwe humwe dzinomuka nemutemo nekuda kwemamiriro avo ezvinhu. Somuenzaniso, kana mumwe munhu achigadzirisa imba yako kana kupa zvinhu zvepurojekiti, munhu iyeye ane chibvumirano cheimba yako kusvikira iwe uchibhadhara zvaunokwereta. Izvi zvinonzi ma mechanic's or linkman's link.

Kuzadza Purogiramu D

Purogiramu D yakakamurwa kuva mibvunzo uye zvikamu.

Mubvunzo 1: Mibvunzo iyi inobvunza kana iwe uine zvikwereti zvakachengetedzwa. Tarisa "kwete" kana iwe usingaiti. Kana ukadaro, chengeta "hongu" uye ramba uchienda kuChikamu 1.

Chikamu 1

Pamusoro pechikwereti chimwe nechimwe iwe unonyora ruzivo runoratidza uyo ane chikwereti uye anorondedzera chikwereti.

The Creditor

Rondedzera zita remunhu akawana chikwereti uye ruzivo rwekutsvaga. Shandisa kero yekubhadhara inokosha, asi zviri nani kutarisa chirevo chako chekontrakiti yako ye "bankruptcy," "kubvunzurudza," kana kuti "service service" kero.

Rondedzera zvakasara

Rondedzera tsanangudzo yezvibvumirano: Somuenzaniso, "2010 Toyota Prius," kana "nzvimbo yekugara pane 100 Elm Street, Dallas." kana kuti "John Deere tekitari."

Ndeupi Mucheri Anokwanisika?

Isa bhodhi kune mumwe nomumwe ane chikwereti icho chikwereti chinokweretwa chikwereti.

Iwe Unotora Nyaya neCreditor?

Iwe unogona kutarisa kana iwe uchikakavadzana kana iwe unokwereta chikwereti, kana chikwereti chiri chekuita (sechivimbiso chokuti iwe uchabhadhara kana mukuru wezvisungo haaiti, kana kana chikwereti chisina kukwana (iwe hauzivi mari yacho).

Rudzi rweShoko

Pano iwe uchacherechedza rudzi rwehutano. Ona tsananguro iri kumusoro kuti uone rudzi rwekwereti pane chikwereti chako.

Zvikwereti

Nyora chikwereti chimwe nechimwe

• the balance,
• kukosha kwechibvumirano, uye
• chikamu chisingaverengeki. Kana iwe uine chikwereti chakawandisa pane chibvumirano chakakosha, ichi ndicho chiyero pamusoro pekukosha. Somuenzaniso, kana motokari yako yakakosha $ 10 000, asi iwe unokwereta $ 12,000 pamusoro payo, chikamu chisingaverengeki chiri $ 2,000.

Nzira yekuziva sei kukosha kwekubatana

Gweta rako rinogona kukubatsira kuti uone kuti mari yako yakawanda yakakosha sei. Kana iri imba inowanzokwanisa kunyora kukosha kwehurukuro yako yemutero. Iwe makashandisa zvakare kuongorora kwechangobva kuitika kana maonero emutengi wemutengi. Kwemotokari, pane dzakawanda zvepaIndaneti masangano akaita saNADA, Edmond's, naKelley zvokuti iwe unogona kuwana mahvina. Saizvozvowo kune zvikepe, maRV uye zvimwe zvigadzirwa. Zvakanyanya kuoma kuti uenzanise kukosha kweimba yefenicha nemidziyo nokuti hapana hutengo hunokosha. Iwe unofanirwa kufungidzira uye gare gare kutaurirana nemunhu ane chikwereti pane kukosha, kana zvichidiwa.

Chikamu 2

Kana iwe uchida kuzivisa chero ani zvake akabatana nezvikwereti izvi, iwe unopinda mazano avo ekukurukura pano. Itai kuti vatengesi vematare uye mutemo firms pano.

Kuti udzidze nezvemamwe mapepa akaiswa munyaya yekudarika, shanyira Basics of the Bankruptcy Schedules .

Yakarongwa naCarron Nicks November 2017.