Chii Chinonyanya Kukanganisa Chikamu?
Nhamba zhinji dze bankruptcy mhosva dzinoshandiswa nevanhu uye masangano achizvidira, zvichireva kuti munhu kana kuti kambani anotambura nehutano hwemari achaita chisarudzo chekuisa mhosva yekushungurudza uye achazotanga nyaya yacho nokuisa chikumbiro chekuzvidira nematare ekudarika .
Dzimwe nguva zvikwereti hazvidi kumirira avo vanokwereta kuti vaite chisarudzo. Vangave vachitarisana nevakwereta vari kuparadza zvinhu kana kuti vasingabhadhara zvikwereti zvavo sezvavanouya asi vane zvinhu zvingashandiswa kugutsa zvikwereti izvozvo.
Kusangana nemunhu anenge akwereta uyo anofanira kunge ari kubhadhara asi achiramba kana kuti zvimwe akundikana kutora matanho ari oga, vatengesi vanogona kushandisa shanduri iyi kumanikidzidzira chikwereti kune Chitsauko 7 chakakanganisika kana kuti Chitsauko 11 chekugadzirisazve kukanganisa . Mamwe marudzi ekubhadhadza haawaniki.
Kuvhiringidza kunobvumirana kunobvumirwa pasi pechirongwa chekudarika pa11 USC ยง 303.
Ndiani Anogona uye Haakwanisi Kuiswa Mukushamiswa Kwekushanda?
Hasi masangano ose anogona kuiswa munyaya isina kubvunzwa. Kubhadhara mari kusingabhadharwi kunogumira kana munhu akakwereta ari bhangi, kambani ye inshuwarisi, isiri-in-profit organization, chikwereti chebato rekurima, murimi, murimi wemhuri, masisita kana imwe hurumende.
Ruzhinji rwemhosva dzisingabvunzi dzinoshandiswa kune vanokwereta avo mabhizinesi. Mhosva dzisingazivikanwi kune vanhu hazviwanzoitiki. Vanhu vanogona kutora zvikwereti kuti vadzivirire zvimwe zvezvinhu zvavo uye vachengetedze zvinhu izvozvi kubva mumaoko evari chikwereti munyaya yekudarika. Kunze kwekuti munhu wacho ari nani uye ane zvakawanda zvekusachengetedzwa kwezvinhu, kubhadhara kusingabatsiri hakungakoshi.
Kuzvipira kune mabhizinesi kunowanzoita kuti hugutsikane kune vanokweretesa nokuti mabhizimisi haakwanisi kubvisa pfuma.
Ndiani Anogona Kuunza Chinokonzera Kubhadhara?
Vanokwereta ne "vamire" vanogona kuisa kukanganisa kusingabatsiri. Kuti ave akamira, chikwereti chemunhu wacho chikwereti chinofanira kuzadzisa zvimwe zvinotarisirwa:
- Chikwereti hachikwanisi kuva chekuita semhosva. Mune mamwe mazwi, hapana mamiriro ezvinhu anofanirwa kusangana pamberi pomunhu anenge akwereta anenge ane mhosva kune chikwereti. Semuenzaniso, chikwereti chinogona kunge chichigadzikana kana chakavakirwa pane chivimbiso chisati chaitwa.
- Chikwereti hachisi pasi pekuona kukakavara kwakasimba sekukwereta kwekwereti kana kuvapo.
Ndezvipi Zvakawanda Zvikwereti Zvinodiwa?
Kana uyo anenge akwereta ane 12 kana kuti vashomanana chikwereti, chikumbiro chekuzvipira chinogona kuiswa nomunhu ane chikwereti ane chikwereti che $ 15,775 (kubva muna March 2018). Munhu ane chikwereti haagoni kuva mushandirwi, ari mukati, kana kuwedzerwa kwekudzivirirwa kunodzivirirwa .
Kana uyo akwereta ane vane vatengi vanopfuura 12, vatatu chikwereti vane mari yakawanda ye $ 15,775 mune chikwereti (saMarch 2018) vanogona kuisa chikumbiro chacho.
Kana uyo akwereta ari kubatana, kune zvimwe zvinotarisirwa zvekutora chiito chekuzvipira.
Munhu Anokwereta Anogona Kurwisana Nezvokukumbira Zvichida Here?
Hungu, akakwereta anogona kupikisa chikumbiro.
Pane imwe nguva vateresi vakaisa chikumbiro chacho, akakwereta ane mazuva makumi maviri kuti apindure. Anokwereta anowanzotambudza avo vane chikwereti kuti vauye nechikumbiro, vachiti zvikwereti zvinokonzera kukakavadzana kana zvisingakodzeri, kuedza kuunza uchapupu hwokuti kuripa zvikwereti zvayo, kana kuti chikumbiro chakaiswa mukutenda kwakaipa. Icho chiri kumutongi we bankruptcy kusarudza kana achibvumira chikumbiro chekuzvipira uye kuti nyaya yacho ichaenderera mberi pasi peChitsauko 7 kana Chitsauko 11. Kana nyaya yacho ichienda mberi, akakwereta akasungwa nayo.
Vanokwereta vanogonawo kusarudza kuchinja chikumbiro kubva kune imwe nyaya isingabvumirwi kune imwe yega, kana kutaurirana nevanobhadhara kuti vabvumire nyaya yacho kuenderera mberi seChitsauko 11zve kugadzirisa kana vateresi vakaisitisa seChitsauko 7.
Kana Dare Rinodzinga Nyaya Inokosha
Dare rekugadzirisa rinogona kuona kuti nyaya inenge isingabhadharwi yakanga isina kuunzwa zvakanaka uye inogona kuirega.
Dare rine kodzero yekupinda mutongo pamusoro pekukumbira zvikwereti kune mari yaiye akakwereta uye mari yegweta. Kana dare rakaziva kuti kuiswa kwacho kwakaitwa mukutenda kwakashata, kunogonawo kupa mubhadharo kana kukanganisa kurangwa.
Nokuda kwenhoroondo yekupedzisira kwekukumbira kusingabvumirwi kunopesana naPhiladelphia mubhizimisi Maury Rosenberg, iyo yakambomira uye yakatongerwa kwemakore akawanda uye ichigere kugadziriswa, ona Nyaya 17, 2016, Minneapolis Star Tribune, yeU.S. Bancorp uye webhizimisi rePhiladelphia, mutero we bankruptcy usingafi.