Iwe haugoni kushandisa bhadhaki kuti ubvise kare yakakodzera mwana rubatsiro kana alimony. Iwe unogona kukwanisa kushandisa bhazinesi kuti ubvise zvimwe zvikwereti pasi penzvimbo yekugara. Asi kukanganisa kunogona kukubatsira iwe nokuti unogona kuishandisa kushandisa zvigaro zvako zvekare zvekuchengetedza mishonga yekuchengetedza uye kuchengeta iwe kunze kwematare emhuri uye zvichida kunyange kunze kwejeri.
Mhando dzeDomestic Support Zvitarisirwa muBanruptrupt Case
Nhamba yebhishopu inotsanangura "mhuri yekusimbisa chikwereti" sechikwereti "mumamiriro ekuchengetedza, kuchengetedza, kana kutsigirwa" inokweretwa maererano nechibvumirano chokuparadzanisa, mutemo wekurambana, kana chibvumirano chekugadzirisa pfuma; dare rematare, kana imwe sarudzo yakaitwa pasi pekusava nehupfumi (kazhinji hurumende) mutemo.
Cherechedza rurimi rwekukomberedza, "mumamiriro ezvinhu." Nhamba yebhengi inoziva kuti chikwereti chinogona kunzi chinhu chimwe, asi chaizvoizvo chinoshanda chimwe chinangwa zvachose. Tinoona izvi kakawanda muzvivako zvigadziro zvinotarisirwa kushanda sechimiro-in for alimony kana kuroorana. Nokuti chete inonzi chinhu, haisi kuita chinhu. Nokudaro, kutonga nemirairo kubva kumatongi ematare edzimhuri zvinofanira kuongororwa nedare rekugadzirisa kuti vaone kana zviri izvo zvavari kupa DSO, iyo isingasunungurwi, kana imwe mhando yemukati wedzimba inogona kubudiswa.
Kutsigirwa kwevana ibhizimusi guru muUnited States, asi vashoma pane imwechete muvabereki vaviri vanochengetedza vanogamuchira rubatsiro rwemwana wese rwavanofanirwa kugamuchira pasi penyaya yekutongerwa korare kana kusagadzikana kwechibvumirano. Nevabereki vanochengetedza vakapa rubatsiro rwevana, paavhareji vanogamuchira pasi pe70 muzana yemari yavanokodzera.
Chii chinoitika kumutsigiri wevana asingabhadharwi? Chikwereti chinokura nekukura sechimwe chikwereti chisina kubhadharwa. Izvo zvinokwidziridzwa zvinowedzera zvakanyanya, uye migumisiro yacho yakaoma. Zvichienderana nezvamunogara, zviremera zvinogona:
- inotora chikwereti pane zvakaitika kare zvakaringana
- shingairira zita renyu uye mifananidzo pane mutsara we "vabereki" mupepanhau
- Ramba purogiramu yako yepasipoti
- kubata mubairo wako, yebhangi yako yebhangi, uye kubhadharwa kwemitero yako
- Isa nzvimbo inopesana neimba yako nedzimwe nzvimbo
- inokuudza iwe ku-credit bureaus
- simesa chiremba chako chekufambisa
- simbisa chiremba chako chezvesiti
- vanokupomera mhosva
- zvakanaka iwe
- ndinokuisa mujeri
MuChitsauko 7 zvakananga kubhadhara mhosva, madhora akawanda anogona kukanganwirwa, kana kubudiswa. Kazhinji kadhi rechikwereti chikwereti, zvikwereti zvemari, uye mishonga yezvechiremba zvichabviswa kuti zvibvumire munhu ane chikwereti (munhu anokonzera chikwereti che bankruptcy) kuti atange kutanga.
Kunyange mabhanga uye mamwe mabhizimisi anogona kukwanisa kurasikirwa nekurasikirwa kubva mune zvikwereti izvi, vabereki vasina vabereki havawanzogadziriswa uye vari kunyanya kuomerwa kana mwana achitsigira cheki iri nguva, kana kuti inouya pfupi. Vakawanda vemhuri iyoyo vanopedzisa rubatsiro rwevanhu. Sangano rine unhu hukuru, zvose zvetsika uye zvinobatsira, mukuvimbisa kuti vabereki vasingabatsiri vanoita kuti vana vavo vabatsirwe mari sezvavakarairwa. Nokudaro, vabereki vanonyadzisa havagoni kubvisa izvo zvavanosungirwa kuburikidza nekuisa chikwereti chekudarika.
Asi, mubereki anokweretesa rubatsiro rwemwana angashandisa kubhadhara kuchengetedza izvo zvakapfuura zvikwereti zvekubatsira vana. Ona pasi apa.
Alimony and Spousal Maintenance: Kuve kunze kwekusunungurwa, mari inokweretwa nemumwe wako inofanira kuita zvitatu zvinodiwa:
- chikwereti chinofanira kunge chiri mumamiriro ezvinhu ekuchengetedza, kuchengetedza, kana kutsigirwa,
- chikwereti chinofanira kupiwa chikwereti kune waichimbova mudzimai, uye
- chikwereti chinofanira kuve chakabatanidzwa mukubatana kwechibvumirano chekuparadzanisa, kurambana, kana chibvumirano chekugadzirisa zvivako kana chimwe chirevo chekutonga kwerekhodi.
Mukugadzirisa nyaya yekubudiswa, nharo dzakawanda dzine chokuita nekutanga zvinodiwa. Kana dare rekurambana uye mapato akaronga kuti mubairo wekushumira sekuchengetedza, haugoni kubudiswa. Asi, kana mubairo wacho chaizvoizvo kugovana kweimba, inogona kurapwa zvakasiyana kunyange kana yakanyorwa kuti "alimony" kana "kutsigira".
Mukusarudza kana basa rinotsigira, mutemo wechigunwe unotaura kuti mari inofanirwa kubatsira mubatsiri wekuwana kugadzirisa zvinhu zvinokosha zvinotsigirwa. Kunze kwekutonga kwechigunwe, matare anotarisa zvinhu zvakasiyana-siyana kuti aone kana chikwereti chiri "mumamiriro" ekutsigirwa kana kuchengetedza.
Heino pfupi pfupi:
- Icho chinosungirirwa chinonzi sotsigiro mumutemo wekurambana here?
- Icho chakanga chakasungirwa muchikamu chinonzi "tsigiro" here?
- Izvo zvinosungirwa zvinopera here kana mumwe mukadzi akafa kana kuti kuroorazve?
- Icho chikwereti chinobhadharwa muzvikamu zvenguva pane nguva pane pane mari yemari here?
- Pane misiyano yakakura pakati pemari yemapato?
- Iko kuripo kwakagadzirirwa kuenzanisa mari?
- Hapana here imwezve kutaurwa pamusoro pekutsigirwa kubhadhara mutemo?
- Pane vana vanoda rubatsiro here?
- Ndiko kubhadhara kuripo kune wawakaroorana naye here?
Kupindura "hongu" kune mibvunzo iyi kunoratidza mubairo ndewekutsigirwa. Kutsigirwa hakusi kuregererwa muChitsauko 7 kana kuti Chitsauko 13, asi sezvatichaona, unogona kushandisa Chitsauko 13 kutarisira chikwereti uye kuripa.
Property Settlement zvibvumirano zvinowanzoshandiswa munyaya yekurambana kugovana zvinhu izvo murume nemudzimai vainazvo munguva yewanano. Vanogona uye vanogara vachiri kushandiswa kuisa chibvumirano chemasangano pamwe nekuremekedza uyo achabhadhara chikwereti chipi.
Nzvimbo dzakawanda dzimba dzekugara hazvigoni kuwanikwa muChitsauko 7. Pano pane mapoka maviri edzimba kana chikwereti chinokonzerwa chinogona kubudiswa muChitsauko 13: shandisa zvibvumirano zvisina kunaka uye mari pane imwe nzvimbo.
Usava Nengozi: Zvimwe zvezvikwereti zvingadaro zvakatorwa nemumwe kana kuti vose vaviri kuti vabatsirwe nemhuri. Zvimwe mudzimai anogona kutora mutoro wekubhadhara chero chikwereti chematokari. Chibvumirano chekugadzirisa chivako chibvumirano chinosimudzirwa pakati pemapato. Asi haisi kumanikidzirwa nekambani yekadhi yemakadhi. Nokudaro, sekune kambani yekadhi yemakadhi, munhu akazarura kambani achiri kukodzera uye ane mutoro wekuona kuti yakabhadharwa. Iyi ndiyo iyo "kubata zvisina kunaka" urongwa hunouya.
Muenzaniso : Ngatitaurei Roger akazarura kadhi kadhi rekwereti ne First National Bank muzita rake, asi akashandisa kadhi kubhadhara mari dzinoshandiswa nemhuri kana kuti zvinobatsira mhuri, Mila, mudzimai wake, anobvuma kutora iyo chikwereti sechikamu chezvinhu zvavo zvekugara. Kana Mila achirega kugadzirisa, First National inotarisa kuna Roger kuti akwanise kubhadhara nokuti iyo nhoroondo iri muzita rake. Asi, gweta reMila rakasimbisa kuti chibvumirano chekugadzirisa chivako chinosanganisira "kubata mungozi" zvinodiwa. Izvi zvinogadzirisa kusaruramisira kunoita kuti Mila ave nemhosva yekubhadhara Roger kana achizobhadhara paakaiti.
Muchiitiko chedu, nekuda kwechibvumirano chisina kunaka, Mila ane chikwereti kuna Roger. Chikwereti ichocho hachikwanisi kuwanikwa muChitsauko 7, asi chinogona kubudiswa muChitsauko 13.
Mari Yokubhadhara: Dzimwe nguva, zvingave zvisingabatsiri kuparadzanisa zvinhu 50/50. Ngatitaurei kuti Roger naMila vane imba, asi kwete zvakawanda munzira yeimwe zvinhu. Vakaroorana vane vana vatatu, uye Mila achava nekutarisira kuchengetedzwa. Anoda kuchengeta imba yemhuri. Imba yacho inokwana $ 100,000. Pasi pemamwe mamiriro ezvinhu, mapato anogona kutengesa imba uye kuparadzanisa kuenzana. Asi, nokuti Mila anoda kuchengetedza imba, anobvumirana kubhadhara Roger $ 500 pamwedzi kusvikira abhadhara $ 50,000 kana kuti imba yacho inotengeswa uye inokwanisa kubhadhara chikwereti ichocho.
Mila's obligation kuna Roger haisi kuregererwa muChitsauko 7 nyaya. Asi, kana Mila akashandisa chitsauko 13, chikwereti ichi chinogona kubviswa.
Kushandisa Bankruptcy Kuti Uchengetedze DSOs uye Zvimwe Zvimwe Zvokurambana-Zvimwe Zvakabatanidzwa
Kunyange zvazvo rubatsiro nedzimwe zvikwereti zvakasangana nehutano hazvigoni kubudiswa muChitsauko 7, zvinogona kutarisirwa muChitsauko 13. Chitsauko 13 chirongwa chekubhadhara pasi pekudzivirirwa kwedare rekudarika. Icho chirongwa chekutonga pasi rose mukuti yose yezvikwereti zvinokweretwa inobatwa muurongwa mune imwe nzira.
Ndezvipi Zvikwereti Zvikuru? Nhamba yebhengi inoshandiswa kare inogadzirisa zvikwereti kuitira kuti zvikwereti zvikwereti zvibhadzwe pamberi pevamwe kana pane zvisingakwanisi zvekubhadhara zvikwereti zana zvezvitongwa zvevakweretesi. Semuenzaniso, kubatsiridza misha yepamusha kunonyanya kukoshesa asi mamwe akawanda madhokete asina kuchengetedzwa, semakadhi emakwereti uye mabhidharo ezvehupirwo, anogoverwa mberi. Izvi zvinova zvakakosha muChitsauko 13 kana munhu ane chikwereti asingakwanisi kutenga mari yakakwana uye haagoni kuita mari yakakwana yekubhadhara pamusoro pechirongwa chekubhadhara zvose zvaanotarisirwa.
Kuti Chitsauko 13 chirongedze kugamuchirwa nedare, inofanira kubhadhara zvimwe zvikwereti zvakakosha pamakore matatu kusvika mashanu. (Kureba kwechirongwa ichi kunobva kune mari yemhuri yemutengi.) Izvo zvikwereti zvinotanga kusanganisira kushandiswa kusingatengeswi uye kugoverwa kwemitengo. Zvikwereti zvakanyanya hazvirevi zvisungo zvinomuka kunze kwekubvumirana kusingabatsiri zvibvumirano kana zvigadziro zvatinotsanangura semari panzvimbo yezvinhu. Vaya vaviri vanorapwa semakadhi emakadhi uye mabhizimusi ezvesero.
Zvikwereti zvisina Kubhadharwa Zvisingaiti Zvikwereti Zvichatsunungurwa muChitsauko 13: Kana vane chikwereti vasina mari yakakwana yekuwana mari yekubhadhara zvose zvaanotarisirwa, anokwanisa kurongedza hurongwa hwekubhadhara hunobhadhara chikwereti icho chekutanga. Kusvika pamwero iye aine chimwe chinhu chakasara, pasi pekubhadhara chikwereti chichagovana izvo zvinoda.
Muenzaniso : Mila anoritsigira mwana kutsigira Roger, asi paakarasikirwa nebasa rake, aisakwanisa kubhadhara uye kutsigirwa kwemwana iye zvino yava $ 15,000. Paanowana basa idzva, anosarudza kuisa Chitsauko 13. Achabhadhara $ 15,000 iyi pamusoro peurongwa hwemakore mashanu. Iye anewo $ 20 000 mune kadhi rechikwereti chikwereti uye $ 50,000 iye ane chikwereti Roger nokuda kwomugove wake weimba yekuenzanisa. Mushure mekubhadhara zvose zvinonzwisisika uye zvinotarisirwa mwedzi mumwe nomumwe, iye ane $ 400 chete akasiyiwa kuti apiwe kwaari Chitsauko 13 chirongwa. Inenge madhora mazana maviri emadhora mazana mana emadhora mazana mana (400 $) okubhadhara ichaenda kuna Roger kuti abhadhara $ 15,000 pamagumo eurongwa hwemakore mashanu. Chitsauko 13 mutongi anochengeta $ 15 semari yekubhadhara nyaya yacho. Iko inodzinga $ 135 pamwedzi, kana $ 8,100 yemwedzi inopfuura 60 kune vamwe vose vanokwereta.
Pakupera kwemwedzi 60 weMila Chitsauko 13 chirongwa, Roger achabhadharwa zvakakwana pamusangano wake wekutsigira, asi vamwe vakwereta vachave vakagamuchira pasi pe12% yezvavanotaura. Hazviiti mutsauko nokuti pasi pekodhi yekufa, Mila akaisa zvose zvaanogona uye akabhadhara Roger zvaanoda kutanga. Zvose zvechikwereti chake zvichabudiswa. Vamwe vanokweretesa vanofanira kugutsikana nezvose zvavakawana.
Uye izvo zvinosanganisira Roger's property settlement. Sezvisiri chikwereti chisiri chekutanga chekuregererwa, Roger achangowana izvo kune vamwe vasina kuchengetedza chikwereti vanogamuchira, 12 muzana ye $ 50,000 yaakakodzerwa.
Kubhadhara DSOs Kupfuura 60-Mwedzi Chitsauko 13 Ronga
Kunyange zvazvo kubatsirwa kwevana kusingabhadharwi, unogona kutora kwemakore mashanu kuti uibhadharwe muChitsauko 13 uye uri pasi pekudzivirirwa kwedare rekudarika. Mwana anotsigira chikwereti haagoni kutora chikamu pane chikwereti ichocho chero bedzi iwe uchibhadhara iwe maererano neurongwa hwako uye iwe unoramba uripo zvekuchengetedza zvinodiwa mumhuri.