Kusarudza kuregererwa kwako kwakakosha kune chimba chako chaunopedza mushure mekupera
Imba yako yaunobvumirwa kuchengetedza munyaya yekudarika inonzi yakasunungurwa pfuma. Saka kuti dare nevatengi vako vazive zvipi zvaunenge uchida kuchengetedza, kodhi yebhengi inoda kuti iwe unomiridzira kuda avo vanoregererwa.
Ndekupi Kwatinowana Kununurwa?
Kubhadhara kusunungurwa kunowanikwa muhurumende uye mutemo. Mumwe nomumwe wehurumende akazvimisa maitiro ake. Izvozvi zvinoshandiswa zvinoshanda kune zvinopfuura kungoita bhengi. Ichazoshanda zvakare kana munhu ane chikwereti achiwana mutongo uye anoda kutora chikwereti chemutokari kuti agute.
Congress yakagadzirisawo sarudzo yehurumende. Zvichienderana nekunogara kwaunoita uye kuisa firiji, mutemo wehurumende unogona kukubvumira kushandisa chete hurumende kusunungurwa, kunze kwekuregererwa kwehurumende . Somuenzaniso, muCalifornia, unogona kungosarudza kusunungurwa kwehurumende uye kwete kusunungurwa kwehurumende. Asi muTexas, iwe unogona kusarudza kana kushandisa kuregererwa kwehurumende yeTexas kana kusunungurwa kwehurumende.
Iwe unogona kuverenga zvakawanda pamusoro pekuregererwa kwakasiyana-siyana kunowanikwa mune imwe nyika.
Funga Kuwana Kubatsirwe Matsigiri
Kubhadhara kusunungurwa kwakaoma. Kunyange zvazvo iwe usingafaniri kukwereta gweta kuti akumirire iwe paunokonzera kukanganisa, chimwe chezvikonzero zvakakosha nei iwe ungasarudza kubhadhara rubatsiro rwepamutemo chiri mukusarudza uye kuisa mutsara wako.
Kana ukazviona zvisina kururama, zvinoguma zvinogona kubva pakusanzwisisika kunoparadza.
Kushungurudza Purogiramu C
Imwe yemabhuku aunonyora newebhishopu yako mapepa anonzi Purogiramu C: Imba Yaunofunga Sokuregererwa, Yomutemo Form B 106C. Purogiramu C ndiyo inonyanya kukosha gwaro raunopedza paunenge uchitumira kubhadhara, pasinei nechitsauko. Purogiramu C ine zvirevo zvako zvekuregererwa . Izvi zvinokubvumira kuti uchengetedze pfuma iyo inogona kunge yakava pfuma yebhadhadzi yefa uye mutasitiri we bankruptcy.
Kuzadza Purogiramu C
Chikamu 1, Mubvunzo 1
MuChikamu 1 cheChechi C, iwe uchaona kuti rugwaro runoda kuti usarudze bhokisi kana iwe uchikumbira kusunungurwa maererano ne11 USC section 522 (b) (2) kana 11 USC chikamu 522 (b) (3). Kana ukasarudza mutemo wenyika kusunungurwa, sarudza 522 (b) (3); chikamu 522 (b) (2) chinoratidza kuti wakasarudza mutemo wehurumende kusunungurwa. Dzimwe nyika haibvumiri kuti usarudze mutemo wemutemo kusunungurwa. Tsvaga nomurengeti wekodzero kuti uone kana iyi ndiyo mamiriro ekugara kwako.
Chikamu 1, Mubvunzo 2
Tsanangudzo yePaiti
Kutanga nemubvunzo wechipiri, iwe uchanyorera zvose zveimba kubva paTeji A / B iyo iwe unoti kusunungurwa.
Kana iwe usingarevi pfuma kubva Purogiramu A / B, hazvizoregereri, uye mutsigiri we bankruptcy angatora ndokuitengesa! Iwe unofanirwa kushandisa tsanangudzo imwechete yawakashandisa muHurongwa A / B.
Iye zvino kukosha kweChikamu Chaunofunga
Iwe uchataura zvakare mari iyo ndiyo ikozvino kukosha kwechikamu cheimba yaunayo. Iwe unogona kusarudza kunyora chimwe chikamu. Somuenzaniso, muCalifornia, chikamu 703.140 (b) (3) inobvumira vanogara vachida kusvika $ 550 nechimwe chinhu. Nokudaro, mumuenzaniso iwoyo, iwe unogona kuisa $ 550 mumubhadhari kuitira kukosha. Sezvimwewo, iwe unogona kusarudza kutaura kuti uri kutora 100% yezvakanaka pamusika kukosha, kusvika kune chero mitsara inoratidzwa mumitemo yakakodzera inoshandisa iwe.
Mitemo Inonyanya Kurega Kuregererwa
Mune chinhu ichi chisingabatanidzi iwe uchaisa chidimbu chepakati chechikamu chinopa rubatsiro.
Somuenzaniso, muCalifornia, iwe unogona kutaurira California Code of Civil Procedure chikamu 703.140 (b) (3) nokuda kwekuregererwa kwezvinhu zveimba uye zvokupfeka. Hurumende imwe neimwe ine zvigaro zvayo zvekuregererwa, uye kunewo zvikwereti zvinowanikwa mumutsetse webhengi uye mune dzimwe mitemo ye federal.
Nokuwedzera, ona Bankruptcy Exemptions By State
Chikamu 1, Mubvunzo 3
Mubvunzo 3 unobvunza pamusoro pekuti iwe uri kubvunza kusunungurwa mumisha yako yepamusoro pane imwe yero (iyo inogadzirisa makore ose matatu), uye kana iwe wakawana pfuma mazuva anopfuura 1,215 usati watumira chikwereti che bankruptcy. Iwe unongopedzisira kuregererwa kwemisha kweimwe chikwata chapamusoro kana iwe ukawana musha munguva pfupi yapfuura. Izvi ndezvokudzivirira mafaira kubva kuchinja mari isiri iyo yega mari uye kushandisa iyo mari kutenga nzvimbo inodhura pasina nguva refu asati apedza kubhadhara.
Chikamu 2
Chikamu 2 pane peji yechipiri ndechokuenderera mberi kweChikamu 1, Mubvunzo 2. Unogonawo kuwedzera mamwe mapeji kana zvichidiwa kuti uone kuti wakavhara zvinhu zvose zvaunoda kuregererwa.
Zvinopesana Nezvokudavira Kwako Kuregererwa
Mushure mekunge maisa bhadha yako, ani zvake ane chikwereti, mutsigiri we bankruptcy , kana kuti US Trustee anogona kupesana nemhosva yako yekuregererwa. Izvi zvinoitwa nekuisa chinyorero chakanyorwa nedare rebhengi. Kuteerera kuchaitwa pamberi pemutongi webhengi paanoramba. Sangano rinopesana nemitemo yako yekuregererwa kwezvikonzero zvakasiyana-siyana, zvakadai sokusarudzwa zvisina kufananidzwa (kureva kusunungurwa mune zvipfeko pasi pemutemo wekuregererwa kwemotokari). Kupesana nemhosva yako yekuregererwa kunofanirwa kuiswa mumazuva makumi matatu mushure mokunge mutongi wacho apedzisa musangano wako wevari chikwereti , kana mukati memazuva makumi matatu kubva pane zvigadziriswa zveChechi C.
Chibvumirano Chekuregererwa
Kana pasina munhu anokanganwa kusunungurwa kwako mukati memakore ekupedzisira-akataridzirwa mazuva makumi matatu, kuregererwa kwako kuchabvumirwa ne "kushanda kwemutemo." Izvi zvinoreva kuti zvibvumirano zvako zvinotenderwa uye haufaniri kuve nehanya nazvo kuti mutasitiri achauya mushure meipi ipi yawakabvisa.
Kuti Uwane Mamwe Mashoko
Kuti udzidze zvakawanda pamusoro pekuti kusunungurwa kunoshanda sei pakubhadhara, ona zvinyorwa izvi:
Kunzwisisa Bankruptcy Exemptions
Kusarudza Pakati Pehurumende uye Federal Bankruptcy Exemptions
Mabhenji Anokanganisa Sei Kuita Chitsauko 13 uye Chitsauko 11 Mhosva?
Yakavandudzwa April 2018 naCarron Nicks.