Chimwe chezvinhu izvi zvakasiyana-siyana chinogona kuonekwa nenzira iyo chitsauko chimwe nechimwe chinoshandisa kuregererwa kwezvinhu, zvikamu zvehurumende uye mutemo wezvematongerwo enyika zvinobvumira munhu ane chikwereti (kunze kwekambani kana kubatana) kuchengetedza zvimwe zvivako kubva pakusvika kune vane chikwereti kana bankruptcy court.
Kuti uwane maitiro ekuregererwa kwebasa basa rose, ona Kunzwisisa Bankruptcy Exemptions .
Chitsauko 7
Chitsauko 7 zviitiko zvinonziwo zvakananga kukanganisa mhosva. Mukutsinhanisa kubhadhara chikwereti, munhu ane chikwereti anobvumirana kusiya zvinhu zvose kunze kwerimwe chiyero chatinodanidza kurega pfuma. Muteresi akasarudzwa nedare rekudarika anorayirwa nebasa rokutora iyo iyo pfuma, kuigadzirisa (kuiita kuti ive mari) uye kugovera mari kune vane chikwereti chikwereti. Kana uyo ane chikwereti ari sangano, hapana mvumo. Pane kudaro, nzvimbo yose yemunhu ane chikwereti inoshandiswa uye inoshandiswa kubatsiririra vatengi.
Chitsauko 11
Chitsauko 11 zviitiko zvinozivikanwa sezvegadziriswa matambudziko. Panzvimbo yemunhu ane chikwereti achipa pfuma, munhu ane chikwereti anobvumirwa kuchengetedza imba, arambe achishanda bhizinesi (kunyanya Chitsauko 11 vane chikwereti mabhizinesi, kunyange zvazvo vamwe vanhu vachipawo, kunyanya kana vane zvikwereti zvakawanda kana zvakawanda zvizhinji), apo inotaurirana mazwi matsva pane chikwereti chayo.
Chitsauko 13
Chitsauko 13 matambudziko arizve kugadzirisa matambudziko. MuChitsauko 13, munhu ane chikwereti (nguva dzose ari munhu, haambovi nekambani) anotsigira pfuma yake uye panzvimbo iyo anoshandisa mari inotevera kuti abhadhara kwemakore matatu kusvika mashanu. Mari iyo inoshandiswa kubhadhara pasi kana kubhadhara chikwereti.
Izvo zvipo zvinotevera zvinotora nzvimbo yekuzvipira kwezvinhu zvinogona kuitika muChitsauko 7 zvakananga kubhadhara chikwereti. Kutaura zvazviri, vamwe vane chikwereti vachasarudza kuisa Chitsauko 13 mhosva, kunyange zvazvo vangave vakakodzera kuChitsauko 7 zvakananga kubhadhara, kuitira kuti vagone kuchengetedza zvinhu zvavanoda kuti vangazofanira kutendeukira kune Chitsauko 7 mutongi kuti atengese . Nenguva dzakawanda zvinhu izvi zvinosanganisira nzvimbo iyo munhu ane chikwereti anotenda kuti rimwe zuva richawedzerwa mukoshi, sekugoverana kwekambani kana yekutengesa. Panzvimbo pokuzvipa kune Chitsauko 7 mutongi uye pakupedzisira kune vane chikwereti, uyo ane chikwereti achasarudza kubhadhara makore matatu kusvika mashanu kuti abhadhara chikwereti.
"Inonyanya Kufarira VaKwereta" Muedzo
Muchikamu Chitsauko 11 uye muChitsauko 13, munhu ane chikwereti anopa chirongwa chekubhadhara, kugadzirisa kana kubhadhara chikwereti . Kuti Chitsauko 11 kana Chitsauko 13 chibudirire, uyo ane chikwereti anofanira kuronga chirongwa chekubhadhara icho chichasiya vasiri vasiri vasiri varo kupfuura zviri nani kana akaisa Chitsauko 7. Izvi zvinonzi "Best Interest of Creditors" Test.
Yeuka kuti vasina chikwereti vane chikwereti vane chikwereti chisingatengeswi chavanogona kutengesa nekushandisa kune chikwereti kana muteresi asingakwanisi kuripa.
Inosanganisira chinangwa chikuru chemakadhi emakadhi, zvikwereti zvezvechiremba, zvikwereti zvemari nevamwe nevamwe. Iko inosanganisira iyo $ 20 yausina kubhadhara kuna Uncle Phil.
Muenzaniso: Kushandisa Kuregererwa muChitsauko 13
Heano muenzaniso wekuti "Inonakidza yeVatengi" inoshanda sei, nekuenzanisa Chitsauko 7 neChitsauko 13.
Don Debtor inoshandisa Chitsauko 7. Mushure mokunge ashandisa zvose zvikwereti zvaanofanirwa nazvo, iye achiri nemari yekusungirirwa inokwana madhora gumi nemazana gumi uye kuvepa mafuta kunokwana $ 5,000. Chitsauko 7 mutevedzeri anogona kutora nhaka yekusungirirwa kwemari uye kuvepa mafuta, kuvengesa uye kushandisa mari inowanikwa (mushure mekutengeswa kwekutengeswa uye yake pachake) kubhadhara chikamu chemari chikwereti Don inokwereta kune vasina kuchengetedza chikwereti.
Ngatitii mari yekutengesa uye mutisi wetirasi ingasvika $ 3,000. Izvozvo zvingasiya $ 12,000 inowanika kubhadhara chikwereti.
Kana Don achida kuchengetedza mari yekusara uye kuvepa mafuta, zvichida nokuti vane manzwiro ezvokwadi kana nekuda kwekuti anotenda kuti vachakwira mumari yemari mune ramangwana, anofanirwa kuronga chirongwa chichabhadhara chikwereti chisingaverengeki mari inosvika $ 12,000, mari yavakagamuchira kana akaisa Chitsauko 7. Kana asingakwanisi kuratidza kuti Chitsauko 13 chirongwa chichabhadhara vanotora chikwereti zvachose, icho chirongwa hachizobvumirwi.
Kunyange zvazvo vane chikwereti vasingatenderi kutora pfuma yavo muChitsauko 11 kana muChitsauko 13, kuregererwa kuchiri kukosha zvakadai sevari muChitsauko 7 chekuona nekukoshesa zvinhu kune avo vane chikwereti kugutsa chikwereti.
Kune zvakawanda paBanruptcy Exemptions, ona
Kunzwisisa Bankruptcy Exemptions
Yakarongwa naCarron Nicks August 2017