Mutero weRusununguko wePeforeclosures uye Wakarambidzwa Dhaka
Kutanga kuparidzirwa muna 2007, Mutemo wakaparidzwa kuburikidza ne 2016 uye wakagadzirirwa kupedzisa kana "kuvira kwezuva" musi waJanuary 1, 2017. Bill HR 2543 yakaiswa muCongress munaMay 2017 kuti iwedzere kuwedzera Mutemo kuburikidza ne 2018, asi haisati yapfuura .
Nokuti nguva iripo, zvishoma, mutero wekubhadhara unowanikwa chete ye foreclosures kana rekugadzirisa zvekubhadhara chikwereti chakaitika pamberi paJanuary 1, 2017.
Asi kana iwe uchikwanisa kusati wasvika musi iwoyo uye wakakundikana kutora mutero uyu, iwe unenge uine nguva shoma yekuisa fomu yekugadzirisa mutero kudzoka. Iwe unowanzove nemakore matatu kubva pazuva raunotanga kudzorera kudzoka kuzochigadzirisa.
Mutemo unobvumira kuti usabhadhara kusvika $ 2 mamiriyoni chikwereti kukanganwirwa kana kubviswa nekutora chikwereti chako pamusha mukuru. Zvose zvikwereti zvekugadzirisa zvekugadziriswa uye foreclosures zvinokodzera. Iwe unogona kutora mutero uyu wekubhadhara mutero nekuisa IRS Form 982 pamwe nemari yako yakagadzirirwa kudzoka.
Chii Chinodzingwa Chikwereti Mari?
Chero nguva chero ipi zvayo inokonzera chikwereti kana kukanganwira chikwereti chako, izvi zvinoonekwa semari kwauri uye zvinotarirwa zvakakodzera. Iwe wakagamuchira mari yaunenge uchida kubhadhara, uye mutero wemitero unofunga kuti iwe wakachengetedza mari yacho zvakanaka kana iwe usina kukwanisa kubhadhara chikwereti.
Izvo zvinoita kuti mari yemari inopinda mumba mako-saka iwe unofanira kubhadhara mutero wemari pamutengo kunze kwekuti zvisingaiti zvinoshanda.
IRS ine izvi kutaura pamusoro payo:
"Kazhinji, kana chikwereti chaunokwereta chikakanganiswa kana kukanganwirwa, kunze kwechipo sechipo kana kukumbira, iwe unofanira kusanganisira mari yakakanganiswa mumari yako."
Kuzivisa Zvido
Vatengesi vanofanira kunyorera chikwereti chikwereti kune Internal Revenue Service vachishandisa Fomu 1099-C , Kuregererwa Kwechikwereti, uye muteresi anofanira kugamuchira kopi yefomu. Iyi ndiyo yakangwarira kuti chikwereti chako chave chakanganwirwa zvepamutemo kuitira kuti iwe unofanira kuisa muyero pamutero wako wekudzokera. Iwe unopinda mumuganhu 21 weFomu 1040 se "mamwe mari."
Mortgage Restructuring uye Foreclosures
Kana iwe wakarasikirwa neimba yako kuburikidza nekufananidza kana kugadziridza chikwereti chako chebhaari yakaderera kubva muna 2007 kusvika munaDecember 31, 2016, haufaniri kutaurira chikwereti chakakanganwirwa uye haufaniri kubhadhara mutero wemari pamutengo uyu nekuda kweKutenga Kwekuregerera Chikwereti Relief Act. Kusunungurwa chikwereti muna 2017 kunogonawo kukodzera kuregererwa kana pane chibvumirano chakanyorwa muna 2016.
Kunyange zvazvo kuregererwa kwemitero kusingabhadharwi kunowanzoshanda kubhadhara chikwereti chekwereti kusvika kusvika $ 2 mamiriyoni, zvakaderedzwa kusvika $ 1 mamiriyoni kana iwe wakaroora asi iwe unopa kudzoka kwakasiyana. Imba inofanirwa kunge yakashandiswa seimba yako huru uye mari yekubhadhara inofanira kunge yakatorwa kuti inotenga, kuvaka, kana kuti kugadzirisa zvakanyanya imba yacho.
Imwe chikwereti chechikwereti hachikwanisi kubhadhara kusabhadhara mutero, saka kukanganwirwa chikwereti chakabatanidzwa navo kwaizotorwa semari inotengesa.
Zvikwereti zvemari zvisingakodzeri zvinosanganisira zvikwereti zvekubhadhara pamusha apo mari yacho haina kushandiswa kutenga, kuvaka, kana kuvandudza imba, pamwe nemari yekuchengetedza dzimba dzechipiri uye dzimba dzekuvakira.
IRS inotsanangura kubhadhara mutero nenzira iyi:
"Mutero we Mortgage Debt Relief Act wa2007 unowanzobvumira vateresi kubvisa mari kubva pakubhadhara chikwereti pamusha wavo mukuru ... Kuregererwa hakushandi kana kubudiswa kunokonzerwa nemabasa anobhadharwa kune anokweretesa kana muvengi chero chimwe chikonzero chisina kubatana zvakananga kusvika pakuderera kwekukosha kwemusha kana mutero wemari yemubhadhara. "
Zvimwe Zvisingabhadhari Imitero
Kunyange zvazvo kuguma kweHitrust Forgiveness Debt Relief Act inoramba isina chokwadi, kodhi yemitero inopa dzimwe nzira dzakakonzera chikwereti zvingasava nemitero-yese isina kurasikirwa.
Kukanganwa zvikwereti hazvidi kuti zvibatanidzwe mubhadharo inotengesa kana chikwereti chacho chakarambidzwa muchengeti yekudarika, kana iwe wakanga uri wekusvitsa panguva iyo chikwereti chikanganwirwa, kana kuti kana chikwereti chakaregererwa chakanga chakaitirwa sechipo.
Imwe mabhizinesi kana purazi inogonawo kukwanisa kubhadhara mutero usingabhadhari.
Kuvhiringidzika kwekusolvency kunonyanya kukosha nekuti inowanzoshanda kune vakwereta nembairo yezvikwereti zvekumba kana zvikwereti pamisha yechipiri uye dzimba dzinotora. Izvi zvinogona kubatsira kune vanhu vasina kukodzera kubhadhara Mutemo Wekuregererwa Kwebato Relief Act kana kana Mutemo usati wavandudzwa kwemakore anotevera. Insolvency zvinoreva kuti zvikwereti zvako zvinopfuura kudhura kwemari yakakosha yezvinhu zvako. Ndizvo zviri nyore. Izvi zvinowanzoitika kune vakwereta vane zvinhu zvakaderera mukukosha uye avo vanofanira kunge vachirizve kugadzirisa zvikwereti zvavo kana kupa zvipo zvavo kuburikidza nekufanirwa.