Kungofanana nemunhu mumwe chete, mabhizimusi anogona kukonzera kubhadhara. Mitemo yacho yakasiyana zvakasiyana zvichienderana nerudzi rwechinhu uye chitsauko umo chikamu chiri kuisa.
Muchikamu chino tichabata pamarudzi mana anowanzoshandiswa ekugadzirisa uye kupa mhedziso yekuti mabhizimisi anobatwa sei mune imwe neimwe.
Kuisa bhizinesi kubhadhara mumaonero, heino kuparara kwenhamba yekushungurudzwa kwematongerwo akaitwa se "bhizinesi" ne "kwete-bhizimisi" yakaiswa panguva yegore regore ra2016.
| Type of Case | Business Cases | Non-Business Cases |
|---|---|---|
| Chitsauko 7 | 15,033 | 475 846 |
| Chitsauko 11 | 6,174 | 1,118 |
| Chitsauko 12 | 461 | --- |
| Chitsauko 13 | 2,259 | 294 396 |
| Total | 24,114 | 770 856 |
Sezvo nhamba dzichipupurira, pane nguva inenge hafu nehafu nhamba yebhizimisi Chitsauko 7 chakarurama bankruptcy madhodhi mafaira sezvo pane bhizinesi Chitsauko 11 zviitiko.
Fomu Yebhizimisi Inosarudza Kusarudzwa kweBanagruptcy Chitsauko
Mhando yebhadhadzi yakagadziriswa inoenderana mune imwe nzvimbo pamhando yebhizimisi. Kungova nekutengeserana chete ibhizimusi rine mumwe munhu muzita rake pachake. Somuenzaniso, Fred Toomey, d / b / a (kuita bhizimisi se) Fred's Landscaping Service.
Bhizinesi rinoonekwa sekuwedzerwa kwemunhu. Kungoti gwaro rega roga haringagoni kuisa mhosva yekunamatira kunze kweimba. Kune rumwe rutivi, kubatana kunofungidzirwa kuti chimwe chikamu chakaparadzaniswa nevashamwaridzani (avo vanogona kunge vari masangano, vanhu kana vamwe humwe hukama). Imwe nyanzvi ibhizimusi rine rimwe kana zvimwe zvimwe zvikamu, vanhu kana zvimwe zvikamu.
Nhaka yehuyo inomiririrwa nezvikamu.
Chitsauko 7 Bankruptcy
Chitsauko 7 chinonziwo kukanganisa zvakananga kana kuregererwa kwemari. Icho chinopikisana neicho chinonyanya kuwanikwa bankruptcy chitsauko. Inowanzotora nguva shoma kubva pakutanga kusvika pakupedzisira, uye inodhura kushambadzira. Inoshandiswa nemasangano edzimabhizimisi nevamwe. Simba rega rega rinogona kuisa Chitsauko 7 asi pasi pezita remuridzi wayo, kufanana naFred Toomey ambotaurwa, kuita bhizinesi seFred's Landscaping.
Ushamwari pamwe nemakambani achaisawo Chitsauko 7, asi nemugumisiro wakasiyana. Kubatana uye makambani haagamuchiri kusunungurwa kwezvikwereti . Uyewo havakwanise kusiya chero pfuma yekuwana "kutanga kutanga." Kutaura zvazviri, Chitsauko 7 chakasungirirwa nebambirano kana sangano rezvekambani inotarisirwa kuve kuvharwa zvachose. Chinyorwa cheChitsauko 7 chinoshanda semotokari yakarongeka yekugadzirisa zvinhu uye kubhadhara zvikwereti zvakawanda sezvazvinogona. Izvo zvose zvinoitwa pasi pekudzivirirwa kwedare rekudarika uye kudzivirira kukwikwidza kumatare edzimhosva, iyo inofarira vakweretesi vakakura nehuwandu hwekugadzirisa uye zvigadzirwa. Pakupera kwechiitiko chacho, sangano rakaisa kubhadhara hakuchazovipo, kunyange zvazvo zvinhu zvaro, uye kunyange zita razvo, runyoro rwevatengi uye zvakanaka zvingave zvakatengeswa.
Vanenge vose varipo Chitsauko 7 vane chikwereti vari kutsvaga kusunungurwa kwezvikwereti zvavo. Kusununguka kunobvumira kuti vawane "kutanga kutanga" uye kupfuurira nehupenyu hwavo. Nevamwe vane chikwereti chemabhizimisi, hapana "kutanga kutanga nokuti bhizinesi rinogumira kushanda" "Kunyange bhizinesi rebhizimisi reimba imwe chete ichanyarara muChitsauko 7 chinoenderana nemhando yebhizimisi." Mabhizimisi mazhinji sezvivako kana mabasa ekugadzira acharega kushanda uye aripo.Nokuti ane chikwereti anoita bhizimisi pasi pezita rake, semuongorori, munyori kana gweta, munhu ane chikwereti haazodii kumira kushandisa zvipo zvake uye unyanzvi pamusana pekuzvipira kana kuti kutaridzira bhizinesi rake, "Susan Weiss , munyori uye mhariri ".
Chimwe chikonzero zvakakosha kuziva kuti bhizinesi rezvematongerwo emhosva kubva pakutanga nderokuziva kana munhu ane chikwereti achadikanwa kutora nzira yekuedza.
Nzira yekuongorora iyo yakagadzirirwa kuratidza kana Chitsauko 7 chakakodzera munhu ane chikwereti kana kuti munhu wacho anogona kukwanisa kubhadharira kuburikidza neChitsauko 13 chekubhadhara . Kana zvikamu makumi mashanu kubva muzana zvezvikwereti zvekwereti ndezvikwereti zvine chokuita nebhizimisi, nzira yekuedza haisi kushanda.
Muteresi , uyo akasarudzwa nedare rekudarika, anorayirwa nebasa rekuunganidza nokuchengetedza zvinhu uye kutarisira kuregererwa kwezvinhu izvozvo. Izvi zvinogona kusanganisira kuvhara kambani pakarepo, asi zvinogonawo kureva kuti mutongi ndiye achatora kambani uye anoichengeta sekuenda kunetseka kana izvi zvichiti kuti muteresi anogona kukurisa zvinhu zvinowanikwa kugutsa zvikwereti zvevatengi.
Murasi wacho achakumbira zvikwereti kubva kune chikwereti uye kubhadhara kubhadhara maererano neyekutanga chinangwa chinowanikwa mubhuku rekushandiswa. Kirasi imwe neimwe yevakwereta inofanira kubhadharwa zvizere zvisati zvawanikwa chero ipi zvayo inogona kushandiswa kubhadhara kirasi yepamusoro. Zvinyorwa zvekutungamirira - izvo zvinobva pakushambadzira kwebhishopu pachako-zvinobhadharwa kutanga. Zvitongwa zvekutungamirira zvinogona kusanganisira yekutengesa imba yekutengesa pfuma, mutengo wekugadzirira motokari kutengeswa, kana kuti mari yekubhadhara, uye mitero.
Zvibvumirano zvakachengeteka zvinobhadharwa kubva kutengeswa kwezvokubatisa. Zvose zvisingateteki zvikwereti zvinobhadharwa pamutemo. Kana pane mari ipi zvayo inowanika mushure mokunge zvibvumirano zvisingaverengeki zvibhadharwa zviripo, chete ipapo ndiye muridzi kana vashandi vanobhadharwa.
Chitsauko 13 Bankruptcy
Izvo zvinoshandiswa muChitsauko 13 ndezvishoma kune mabhizinesi nekuti inowanikwa chete kune vadzidzisi Makambani uye kubatana hakugoni kuisa Chitsauko 13 nyaya, kunyange zvazvo vashandi vari vanhu vanogona kuisa zvakasununguka nekubatana. Apo vanhu vanoisa faira Chitsauko 13, chero kushamwaridzana kwekambani kana kubatanidzwa kwebato kune munhu ane chikwereti hachisi chinhu chinoshandiswa nemunhu ane chikwereti. Chitsauko 13 hachizokanganisa zvakananga zvinhu.
Chitsauko 13 bankruptcy inobvumira kugadziriswa kwechikwereti. MuChitsauko 13, munhu ane chikwereti anongoronga hurongwa hwemwedzi wekubhadhara kwematokari kwemakore matatu kusvika mashanu. Chitsauko 13 chirongwa chinogona kupedza mwedzi yakareba makumi matanhatu.
Zvichida zviri pachena kuti zvinoita zvebhizimisi Chitsauko 13 chinotarirwa nemari yebhizimisi. Chitsauko 13 mutongi anoongorora nhoroondo yemari yebhizimisi kuti aone kana mari yacho inogona kusimbisa mutero uye zvakakosha zvikamu zveChitsauko 13. Kuti udzidze zvakawanda nezvekuti Chitsauko 13 chinoshanda sei, ona zvinyorwa izvi:
Nguva Yekufungidzira Kuzadza Pasi Pechikamu 13 Pane Chikamu 7
Chitsauko 12 Bankruptcy
Chitsauko 12 ndiyo maitiro matsva ekugadzirisa. Yakagadziriswa muna 1986 kurwisana nemamiriro ehupfumi akange achidzidzira zvishoma kudyara nekurima hove.
Chitsauko 12 chakachengeterwa izvo zvinowanzonzi murimi wemhuri kana vabati vehove vemhuri, kunyange izvi zvisingatauriki nokuti Chitsauko 12 chinogona kuiswa nemakambani kana kubatana. Kune zvikwereti nemiganhu yemari, asi Chitsauko 12 chinowanikwa kune masangano ane mari yegore rega rega, kunyange kana mari inowanikwa mumwaka. Zvimwe zvisingaiti, Chitsauko 12 chinoshanda zvakadai seChitsauko 13 nyaya ine rusununguko rwakawanda mukugadzirisa hurongwa hwekubhadhara pamusana pemamiriro emwaka emabhizimisi.
Kuti uwane chikamu cheChitsauko 12, mutero wekurima unofanirwa kubhadhara chikamu chikamu makumi mashanu kubva muzana chikwereti chayo pamabasa ekurima. Mubhadhara wekubata hove achabhadhara chikamu chinenge 80 kubva muzana chekwereti chayo pakubata hove. inowana makumi mashanu kubva muzana yemari inowanikwa kubva kumabasa ekurima. Kana ane chikwereti ari mubati wehove, zvinenge makumi mapfumbamwe kubva muzana kubva muzana yemari inowanikwa inobva pakubata hove. Kune vose varimi nevabati vehove, avo vanofanira kuwana makumi mashanu kubva muzana yemari yavo kubva pabasa rekurima kana kubata hove.
Chitsauko 11 Bankruptcy
Chitsauko 11 chinowanzowanzofungwa nevanhu apo pavanonzwa izwi rokuti "business bankruptcy". Kunyange zvazvo Chitsauko 11 chinoshandiswa zvakanyanya mubhizinesi rezvebhizimisi, hazvirevi kushandiswa nemabhizimisi. Vamwe vanhu vanopa Chitsauko 11 kugadzirisazve chikwereti nokuti nokuti kudarika chikwereti chakakonzerwa muChitsauko 13 kana kuti havadi kukwaniswa neChitsauko 13 chakanyatsogadzirisa sarudzo. Kuita kuti zvinhu zvive nyore nyore, kodeji yebhengi ine mitemo inokosha yekugadzirisa nzira yebhizimisi maduku. Chero nzira, Chitsauko 11 inonyanya kushanda kune uyo ane chikwereti uye vashandi varo (avo vezvematongerwo enyika, mabhuku, etc.) saka saka inodhura zvikuru kudarika zvakabudirira.
Muchikamu Chitsauko 11, munhu ane chikwereti anogadzirisazve madhora ayo pasi peziso rakarindira dare rekudarika, asi ane chikwereti ane basa rekushanda kwezuva nezuva. Munhu ane chikwereti anonzi ane chikwereti-in-possession (yeimba yake) uye anoshumira seyo mutsigiri wavo.
Anokwereta-mu-anogara anoenderera mberi mune bhizimisi paanenge achishanda zvakazara nezvekugadzirisa chikwereti. Izvi zvinogona kuchinja, zvakadaro. Kana zvakakodzera, munhu ane chikwereti kana US Trustee anogona kukumbira kuti mutrusti aiswe. Munhu ane chikwereti angashandisawo Chitsauko 11 semotokari yekudzikinura pasi pesimba rayo kana nerubatsiro rwetrasti.
Munhu ane chikwereti anonzi "ane" nokuti inoenderera mberi nekushanda kwayo kwezuva nezuva pasi pekutarisirwa kwedare, asi haifaniri kuwana mvumo yematare yezvinhu zvose zvemashoko acho. Munhu ane chikwereti anodiwa kuti awane mvumo yematare kubva kunze kwezvinhu zvakajairika sekutenga kana kutengeswa kwezvinhu chaiyo nezvimwe zvinhu, kana iyo isiri iyo yebhizimisi yekwereti, kukanganisa uye mamwe mabasa makuru evanhu, uye kupinda mune mari yezvibvumirano.
Mutungamiri weUnited States isimba reDhipatimendi reRubatsiro rinopa hutungamiri hwemamwe mabasa ekuputsa. Ihofisi iyo inotarisira basa revanhu pachavo Chitsauko 7, Chitsauko 13 uye Chitsauko 12 vanyori. Inopawo kutarisa kwakafanana kweChitsauko 11 vane chikwereti. Chaizvoizvo, inotora chikwereti chechina pamunhu ane chikwereti kuti ave neropafadzo yekuongororwa neTrasti yeUnited States.
Mukuwedzera, mune dzakawanda Chitsauko 11 mhosva, dare richagadzira chikwereti chekwereti yevanotora chikwereti vanofarira kubva kune yakarongwa nemunhu ane chikwereti chepamusoro-soro makumi maviri asingasviki chikwereti. Dare racho rinopomerwa nebasa rokutarisira nyaya yacho uye rinomiririra zvinodiwa kune vose vasina kuchengetedza chikwereti. Izvi zvinoitwa pamutengo wemunhu ane chikwereti kuti chero mari inobhadharwa nevatengesi vekushandira mu komiti uye nevashandi vavo vanobvumirwa sevatongi, vaongorori, vanofukidzwa nemunhu ane chikwereti semari yekushandisa mari.
Chinangwa cheChitsauko 11 chikwereti ndechokutaura uye kuchengetedza kubvumirwa kwerongwa hwekugadzirisa zvakare. Urongwa huchasvika nguva dzose huchishandura chero nzira iyo munhu ane chikwereti uye vane chikwereti vanoshanda pasi pekunze kweChitsauko 11. Vatengi vanopatsanurwa muzvikoro. Kirasi imwe neimwe ingadai yakafanana. Semuenzaniso, vatengesi vese vasina kuchengeteka vanogona kuiswa mukirasi imwechete. Bondholders vanogona kunge vari mukirasi. Vose vanokweretesa motokari vanogona kuva mune rimwe kirasi. Vamwe vanotora chikwereti vangave vasina kukwana zvakakwana kuti vangazopa kirasi yakasiyana. Semuenzaniso, chikwereti chinopa chikwereti kune chimwe chikwereti chekugadzira chikwereti, kana kuti uyo anokweretesa anopa zvinyorwa pamabhengi ane chikwereti anogamuchirwa.
Kugamuchirwa Kwekupedzisira MuDare
Kuti urongwa hwokupfuura hurumende inopera, chirongwa chinongotanga kuiswa kune vane chikwereti, avo vanobvumidzwa kuvhota kana kana vasingagamuchiri. Vadzidzi vashoma vanogona kuvhota kuti vagamuchire chirongwa. Chikwata chakaremara ndeimwe umo kodzero dzekwereti dzakashandurwa kuti dzisvibise (dzinoderedza interest rate, nguva yakareba, kubhadhara chikamu, nezvimwe.) Kune mitemo yakasiyana yekuti vangani vanoita chikwereti vanofanira kuvhota kuti vagamuchire, uye vhoti yekwereti inokosha kune imwe nzvimbo nemari yekwereti inomirira. Kuti kirasi ivhote maererano nesarudzo, inenge hafu imwe yezvikamu uye zviviri zvevatatu muhomwe yemari chikwereti inofanira kuigamuchira.
Kana imwe nguva vatora chikwereti, dare rekudarika rine chirevo chekupedzisira pamusoro pekubvumirwa kwerongwa.
Kana imwe chirongwa chichinyatsosimbiswa nedare, munhu ane chikwereti acharamba achida kuzadzisa mazano eurongwa. Munhu ane chikwereti anowanzogara pasi peziso rakarindira rematare kusvika kana chirongwa chave chakanyanyiswa, kunyange kana kuchine makore akasara kusvikira zvose zvikwereti zvikwereti zvigadzirwa.