Rondedzera zvinyorwa zvako zvisingaverengeki uye zvisingaiti zvinokosha pane itsva Purogiramu E
Panzvimbo pemhando mbiri dzakasiyana, ikozvino pane imwe chete fomu, Purogiramu E / F, VaKwereti Avo Vasina Kudzivirirwa Mhosva Dzinokurwisai. Kunyange zvazvo vose vasina kubhadhara chikwereti vacharondedzerwa pane iyi fomu, zvichiri kudikanwa kusiyanisa pakati pekutanga uye kusingaiti zvinhu zvinotarisirwa nekuti pane zvikamu zvemafomu akazvitsaurirwa kumhando imwe neimwe.
(Iyi fomu yakashandiswa kunzi Purogiramu E / F - Vatengi Vane Avo Vasina Kudzivirirwa Mhosva. Kana iwe ukapinda mune imwe yeiyi, kana kuti fomu inonzi Schedule E kana Schedule F, haufaniri kuishandisa.)
Purogiramu E / F inogona kuva yakavhiringidza uye yakaoma kune vazhinji vane chikwereti kuti vapedzise. Iwe unofanirwa kuva nechibvumirano pamusiyano pakati pekwereti isina kuchengetedzwa uye chikwereti chakachengetedzwa, uye kuziva kuti zvikwereti zvisina kuchengetwa zvinopiwa chii chinonyanya kukosha.
Zvikwereti zvisina kuchengetedzwa zvikwereti zvisingabatsiri kuwana mari yavo yekubhadhara. Zvinosanganisira makadhi echikwereti, zvikwereti zvezvechiremba, mitero, rubatsiro rwevana, alimony, marudzi akasiyana emari yemari yako, mari yepamusoro yekubhadhara mari uye kubhadhara, kunyange IOU kune hama yako.
Kune imwe nzvimbo yakasiyana yezvikwereti zvakachengetwa sezvikwereti nemari yemari. Ona Bankruptcy Purogiramu D.
Kunyangwe nemirayiridzo pane Purogiramu E / F, zvakaoma kuziva kana imwe chikwereti chisina kuchengetedzwa chiri chekutanga kana kwete. Muzvinyorwa, zvirevo zvekutanga zvinenge zvisingaregi mubhadhadzi kana vane kodzero yokubhadhara kupfuura vamwe vatengi kana bhengi ye bankruptcy ane chero mari yekudzikinura kubhadhara chikwereti.
Kana iwe usina chokwadi nezvekuti ungaratidza sei chikwereti chako, iwe unofanirwa kutarisana nemunhu ane ruzivo rwekugadzirisa chikwereti. Kana ukakundikana kupedzisa fomu yakarurama, kana kana iwe usingashandisi chikwereti chako, iwe unogona kutyora kodzero dzako.
Chikamu I: Nyorai zvose zvamunotanga musingatauri zvirevo
Mhando dzeZvirevo zvePamusoro
Tsamba yekutanga yeHatendi E / F inoita semapugwa emugwagwa kuti iwe uzadze rugwaro. Kune mahobhokiti akawanda ekuti iwe uongorore pedyo nemhando yezvidzidzo zvepamusoro zvaunazvo. Kana usina matanho ekutanga, tarisa bhokisi re "hapana". Mhando dzezvokutanga zvinosanganisira:
- rutsigiro rwemhuri mheyo
- kuwedzerwa kwechikwereti munyaya isina kubhadhara inoshandiswa
- mubhadharo / mubhadharo / mapoka
- mipiro kune mapurogiramu anobatsira
- zvinotaurwa nevamwe varimi nevabati vehove
- inoiswa nevanhu
- mitero uye chikwereti chakabhadhara hurumende
- zvipikirwa zvekuchengetedza mari yemuiti wechipatimendi, uye
- inotaura nezvekufa kana kukuvadzwa apo uyo ane chikwereti akadhakwa.
Creditor
Nyora pasi zita remunhu anonyanya kukoshesa, kero, uye nhamba yenyaya.
Chikwereti Chakatengesa Rini?
Ndivanaani rakatongwa? Nyora pasi musi wandinoona usina chinhu.
Iwe Unopikisa Chikwereti?
Uri kukakavadzana chikwereti here, kana kuti iwe unofunga kuti hazvirevi kana kusagadziriswa?
Tarisa chimwe kana zvimwe zvezvikwata zvekuongorora izvi zvinoratidza izvi. Zvirevo zvisingazivikanwi ndezvisingagoni kuverengwa nhamba. Chirevo chezvakaitika ndeimwe chisina kuzomuka, asi chiri pane chimwe chiitiko chamangwana.
Rudzi rweChinhu Chikwereti
Iko chikwereti chekuchengetwa kwemhuri kusungirwa, mitero, zvikonzero zvekukuvadza kana kuti "zvimwe?"
Nhamba yeZvakwa
Iyi koromo yakanyatsojeka - iwe unongoda kuzarura chiyero chekutsvaga mumadhora.
Chinhu Chokutanga uye Isina Kubhadhara
Taura kuti mari yakawanda yeiyo imwe neimwe inofanirwa kuve yakakosha uye kuti yakawanda sei chikwereti hachisi choupfumi.
Ndiani Akaita Chikwereti?
Tarisa bhokisi kuti uratidze kuti firipi inobhadhara chikwereti.
Icho Chikumbi Chichiendeswa kuInsetsetse?
Imhosva inopomerwa kukanganisa kana iwe unokwereta chikwereti, asi uyo ane chikwereti akakwereta iwe mari. Chimwe chikwereti chinowanzoitika chinosvika apo iwe unokwereta mari kuBig Bank uye iwe une cheko chekuongorora ipapo.
Nokuti Big Bank iri kubata mari yako, Big Bank inokubhadhara mari iyo. Mune zvimwe zviitiko, Big Bank inogona kukanganisa zvaunokwereta pamusoro pezvainokubhadhara iwe nokutora zvaunokwereta kubva pakubheta kwako.
Cherechedza: Migumisiro yeZvibvumirano Zvisina Kuchengetedzwa Zvisingaiti
Zvichida zvikwereti zvisingaverengeki zvichabhadharwa pamusoro pezvimwe zvipomerwa, kunze kwekutongwa kwehutungamiri (sekuda mari yevashandi). Izvi hazviiti zvakanyanya kumunhu ane chikwereti, asi zvechokwadi anochinja migumisiro yekugovera kune vamwe vatengi. Sezvaakambokurukurwa, zvisinei, zvizhinji zvezvinyorwa zvinotarisirwa zvakare hazvisi zvekuregererwa , zvakadai sekuchengetedzwa kwekuchengeta misha , mamwe mitero , uye zvirevo zvekufa kana kukuvadzwa panguva yekudhakwa . Izvi zvinoreva kuti pasinei nekunyorwa kwebhengi, avo vane chikwereti vanogona kutsvaga kutora chikwereti nekukuteverai kana kushandisa chero imwe nzira dzepamutemo kana chikwereti chebhengi chapera.
Chikamu 2: Nyorai zvose zvamunazvo musingabatsiri zvirevo zvisina kuchengetedzwa
Iko iwe waunopa kupa zvikwereti zvisina kupiwa zvakafanana zvikuru. Izvi zvinosanganisira zvikwereti zvekwereti, zvikwereti zvezvechiremba, zvikwereti zvemunhu, zvikwereti zvekare uye chero chimwe chinhu chisina kuchengetedzwa kana kuti chinotarisirwa. Isa chikwereti chakakodzera Kana chikwereti chiri chikwereti chemudzidzi, zvikwereti zvinobuda musangano rekuparadzanisa kana kurambana, chikwereti chepenheni kana chirongwa chekugovana. Kana zvisina kudaro, pasi pe "mamwe" inotaura kuti chii chikwereti.
Chikamu 3: Nyora Vamwe Kuti Vazive Nezvechikwereti Chawakatora
Dzimwe nguva mumwe munhu kana kambani inoda kurongedza, semakambani emutemo, sangano rehurumende, kana kuti muteresi, kuti vaone kuti vanogamuchira chiziviso chekubhadhara.
Chikamu 4: Wedzera Zvikwereti zveMhando Yese Yezvisina Kudzivirirwa Mhosva
Ichi ndicho chidimbu chako cheGedhi E / F.
Kuti udzidze zvakawanda pamusoro pese purogiramu yakaiswa munyaya yekubhadhara, shanyira Basics of the Bankruptcy Schedules .
Yakarongwa muna March 2018 naCarron Nicks