Mune imwe nzvimbo yedu yematare edzimhosva, Chitsauko chedu 13 mutongi anotarisira misangano yevadhenesi rimwe mangwanani nevhiki. Vose vane chikwereti vakauya panguva imwe nguva vakarongerwa nguva iyoyo. Vasati vawana chikwereti vasangana nemumwe mukuru wekunzwa, vanoungana mukirasi huru yekirasi. Mutrasti anovagamuchira nemabasa anotevera:
Vakadzi naVaGentlemen: Ndapota tarisai kurudyi rwenyu. Zvino, tarisa kuruboshwe rwako. Mumwe chete wenyu achazadzisa Chitsauko 13 chako. Zvichava iwe here kana mumwe wevakidzani vako?
Ichokwadi ndechokuti Chitsauko 13 matambudziko anoda zvakawanda zvinokurudzira kutakura kwemakore matatu kusvika mashanu ezvokuzvidira.
Emotions, Fortitude, uye Chido
Chitsauko 13 chakaoma. Ikoko kunogona kuva pasina mubvunzo pamusoro pazvo. Hazvinei kuti kurwadziwa kwandakatora kunotsanangurira sei vatengi vangu zvavakanga varwisana naro, hazvina kumboita sechinovhara mukati.
Pamberi pekukumbira kunyorera purogiramu ingangodaro nguva inonyanya kushungurudzika yehupenyu hwomutengi hwehupenyu. Vatengi vanozvibvunza pachavo:
- Ko Chitsauko 13 chichaponesa imba yangu (kana motokari kana kusavimbika)?
- Ndinogona kutenga mari here?
- Sei ndichifanira kuunganidza zvose izvi?
- Ko dare richabvuma chirongwa changu here?
- Ndiri kuita chinhu chakanaka here?
- Ko kana (mukuru wangu, vavakidzani vangu, PTA) vanoona?
Nokuti manzwiro ari kutasva kumusoro, ndinotarisira kuti vatengi vanongonzwa nezve 50% yezvandinotaurira; uye zvezvo, vanongonzwisisa chete nezve50%. Ndinozviziva sei izvi? Zvinoratidzirwa nehuwandu hwezvakaitika mutengi anondibvunza, "Ndinogadzirisa Sei Chitsauko 13 chekubhadhara?" Izvi, pasinei nokuti isu tinopa mazano akazara mune imwe fomu tinopa muchengeti uye mune email tinotumira muchengeti nekutumira mashoko.
Tinonzwa mubvunzo iwoyo nevamwe vazhinji kakawanda, kunyange zvazvo tichikurukurirana nyaya idzi panguva dzakasiyana-siyana uye nenzira dzakasiyana-siyana kubva pakutanga kubvunzurudza kuburikidza nemusangano wevakwereta uye kupfuura.
Chitsauko 13 hazvisi nyore kudzidza uye hazvisi nyore kuita. Zvinhu zvizhinji zvinoitika nenzira iyo inogona kukanganisa nyaya.
Uye dzimwe nguva, zviitiko zvinoiswa kunyange apo tinoziva kuti havazombotauri kubuda. Heino chikonzero nei:
Zvisungo Zvisingakwanisi Kutanga Na
Vakawanda Chitsauko 13s vanoiswa kuti vadzivise chiziviso kana chimwe chiitiko chisingadikanwi semotokari yemotokari kana kutongwa pamhosva kune chikwereti. Kazhinji, vatengi havanouya kwatiri kusvika pamhedziso yekupedzisira pavanenge vasisarudzo. Zvinosuruvarisa, hatina nguva yakawandisa sezvatingadi kupa mari yevashandi kubvunzurudzwa kwakakwana nyaya yacho isati yatumirwa. Iko kunofanirwa kumirira kusvikira gare gare patinenge tichiunganidza zvose zvese zvinodikanwa pakurongwa kwebhishopu . Dzimwe nguva, hazvisi kusvikira tine ruzivo rwemashoko pamusoro pemari uye mari yatinoona kuti vatengi havakwanise kuchengetedza imba kana gare gare yemotokari. Izvi hazvina kumbova zvechokwadi kune vateereri vakambodzwa mumatambudziko emba, kutanga gore ra2008. Vazhinji vakange vabvumirwa kune zvikwereti zvekare zvekare, zvigadziriswa mari uye zvikwereti izvo zvishoma nezvimwe zvavaigona kuwana. Pasinei nematambudziko, zvisinei, ivo vaigara vachida kuenda mberi. "Pashure pezvose," vangati, "bhengi rakanditendera ini ndinofanira kukwanisa kubhadhara izvi ini ndinongoda nguva yekuwana."
Kuvhiringidzwa muKuerera kweMari
Chero chipi nechipi chinokanganisa mukuyerera kwemari, sechirwere kana kurasikirwa nebasa kuchaita kuti zvive zvakaoma zvikuru kuchengetedza kana kudzokera shure. Vana vanoberekwa kana zvido zvavo zvinoshanduka (munokwanisa kubva kubva pamuviri kusvika kuchikoro chikoro mumakore mashanu). Imba inotanga uye inoguma. Zvakaoma kuenda makore mashanu pasina chikwereti, kugadzirisa kwemotokari huru, kugadziriswa kwechigadzirwa, inshutivha dzinotapudza, kuenda kune dzimwe nguva kana nguva yezororo. Zvakawanda zvezvinhu izvi zvinogona kuvakwa mubhadharo reChitsauko 13, asi hapana chaipo chekuchengetedza. Vanhu vane chikwereti havazvifariri kana iwe uchidzivisa mari yaungabhadhara kwavari.
Sekugadziriswa, ndinofanira kuwedzera iyo inonaka yekwereti iyo inongotora uye inoda kunze. Zvakare, iyi inoshanda yenguva yakawanda sechinhu chipi zvacho. Makore mashanu okurwa kunyange kurwa kwakanaka kunopisa.
Vatengi vakawanda vanosarudza kuti hazvina kukodzera, kunyanya kana vakaisa Chitsauko 13 kuchengetedza zvinhu zvakadai seimba.
Kudyara Pasina Gweta
Maererano neHurumende yeHurumende yematare eUnited States, inenge mapfumbamwe kubva muzana (9%) yekusungirirwa kwemhosva inoshandiswa nevatokari pro se (zvinoreva ivo pachavo, pasina gweta rubatsiro.) Ona Pro Se Bankruptcy Filings iri kukurumidza kukurumidza kudarika imwe Bankruptcy Relief.
Zvinokwanisika kuti upfuurire Chitsauko 7 chiripo pasina gweta - zvinokwanisika asi kwete kutarisirwa. Kune rumwe rutivi, handina kumbonzwa nezvebudiriro
hapter 13 case Vakawanda havapfuuri purogiramu yekusimbiswa. Chitsauko 13 zvirongwa zviri pasi pezvinyorwa zvakadai se " Best Interest of Creditors Test ," uye "Good Faith Test" uye " kukwanisika ." Vakanaka vane ruzivo rwezvemhosva, avo vatongi uye vatongi vanopokana pamusoro pezvipo izvi nguva dzose. Ndicho chikonzero tine matare. Kana a pro se layman achiita kuti apfuure chigadziko chekusimbisa, ndinofanira kufunga kuti chakanga chisingatauri mukana. (Hapana kukanganisa kunangwa).
Izvi zvinoratidzwa mukuongorora kwechangobva kuitwa kwakaitwa neBanruptrupt Court Court yeCentral District yeKalifornia. ICentral District inonyanya kufarira nyaya ino nokuti ine pro seri filers kupfuura chero imwe nzvimbo mudunhu. Chidzidzo che2011 chakawana kuti anenge 60,9% yepro se Muchikamu chechinomwe chepfumi chakawana kubudiswa (kuenzanisa ne 94.5% yevaya vanomiririrwa neye gweta), asi pasi pehafu yehafu yezana (zvichienzaniswa ne55% yevaya vanomiririrwa ne gweta ) we pro se Chitsauko 13 zvirongwa zvakanyatsosimbiswa.
Kungotenga Nguva
Mukutendeseka kose, zvichida nyaya iyi inofanira kuve yakanzi, "Nei Zvakawanda Zvitsauko 13 zvichitorerwa?" Nokuti pane zvikonzero zvepamutemo zvekusiya Chikamu 13 isati yatora chikwereti.
Chitsauko 13 vane chikwereti faira kune chero chikonzero chezvikonzero. Vakawanda faira Chitsauko 13 kungotora zvinyorwa zvekutsvaga kwekugara pasina chinangwa chekuzadzisa nyaya. Ndakatumira mhaka kuti ndidzoke kunonoka, kupa muchengeti mukana wekutengesa pfuma, kuderedza mutongo uye kutaurirana kugadziriswa, kuparadzira vatongi vemari kuburikidza nehurongwa hwekubhadhara apo muchengeti aisagona kuvabhadhara mberi, kuti awane kudzivirirwa kwedare rekudarika apo uyo ane chikwereti akagamuchira Chitsauko 7 kusunungurwa makore mashomanana zvisati zvaitika, kutarisira chikwereti chevadzidzi. Havasi vose vane chikwereti mumatambudziko iwayo vaizobatsirwa chaizvo neChitsauko 13 kubudiswa. Zvavaida ndezvenguva, uye kuisa Chitsauko 13 chakaipa.
Kuti uwane mamwe mashoko pamusoro pehupenyu muChitsauko 13, ona
Kurarama Nechitsauko 13 Mhosva, Chikamu 1
Kurarama Nechitsauko 13 Mhosva, Chikamu 2
Yakapedzwa muna February 2017 naCarron Armstrong