Iwe unogona kunge uchizadza fomu iyi kana iwe uri mukwereti mune imwe nyaya yokudarika
Nguva Yokuti Faira Chiratidzo Chekuda
MuChitsauko 7 nyaya, kana muchengeti we bankruptcy akawana mari yomunhu ane chikwereti kuti anogona kutengesa (liquidate), iye achazivisa vakwereti kuti pachava nekugoverwa. Munyaya iyo, iwe uchazoziviswa nezvekuguma kwekuisa fomu yehuwandu hwemafomu. Iwe unofanirwa kuisa uchapupu hwekutaura. Kana zvisina kudaro, hapana kubhadhara kuchaitwa, kunyange kana kubvunzwa kuri kwakakodzera.Unoona uye kutora fomu pano: Official Form B410.
MuChitsauko 13 nyaya, iwe uchange uine mazuva makumi mana mushure memusangano wevakweretesa kuisa fomu yako yemhosva. Iwe haungabhadharwi kunze kwekuti iwe ukaisa uchapupu hwekuda. Kana chikwereti chako chakachengetedzwa, asi iwe usingafomu fomu yemhosva, uyo ane chikwereti anogona kukupa imwe yako kuti uone kuti iwe uri kubhadhara. Kana izvozvo zvikaitika, iwe hauna kutonga pamusoro pezvinokweretwa nemunhu ane chikwereti, asi iwe unogona kuzvigadzirisa.
Fomu Itsva muna December 2016
Kubva munaDisemba 2016, matare ekubhadhara aida mutsva wekutsvaga fomu.
Munzira dzakawanda, zviri nyore kune vane chikwereti kuti vaende. Iyo inewo zvakawanda tsanangudzo uye manotsi. Iwe unogona kuitsvaga pano.
General Information
Pamusoro pefomu, pane bhokisi kuti rione munhu ane chikwereti nemazita uye nhamba yepamusoro uye nedare rekubhadhara iyo nyaya yacho iri kumirira. Iwe unogona kutsanangura zita redare rekudarika uye nhamba yenyaya yacho nekutsvaga mamwe magwaro awakagamuchira kubva mudare kana mubharani.
Zvadaro, inouya mutsva yemibvunzo iyo inoziva kuda kwako:
1. Ndiani anokwereta iye zvino?
Kana iwe uri chikwereti , kana iwe unomiririra chikwereti, ona izvozvi apa.
2. Ichi chirevo chakawanikwa kune mumwe munhu here?
Kana iwe wakatenga kana kuti wakagamuchira kodzero yekutaura kune mumwe munhu kana kubva kune kambani, tsvaga munhu kana kambani.
3. Ndezvipi zvinofanirwa kuonekwa uye kubhadhara kune chikwereti kutumirwa?
4. Ichi chirevo chinoshandura chimwe chekare chakatoiswa here?
Dare redzimhosva redzimhosva ndiro dare rekutsvaga kwemhosva yakaiswa munyaya. Chimwe chirevo chinogamuchira nhamba yakasiyana. Kana ichi chiri chirevo chakagadziriswa, iwe unogona kuwana nhamba yepakutanga kubva kuhofisi yemabharisi wenyaya yedare rekudarika iyo nyaya yacho iri kumirira.
5. Unoziva here kana mumwe munhu akaisa uchapupu hwekutsvaga kudai?
Zvichida kune vaviri vanozvida mari imwe chete.
6. Une nhamba ipi yaunoshandisa kuti uzive kudai?
Iyi ndiyo nzira iyo iwe unoshandisa iyo mvumo mumamiriro ako.
7. Kubvunzwa kwakawanda sei?
inyorera ikozvino iwe unofunga kuti une chikwereti. Yeuka kuti iwe uchadiwa kuti utsigire kuda kwako nemagwaro akawanda kana iripo.
Kana kudai kunosanganisira chikamu chero chipi zvacho chekufarira kana zvimwe zvikwereti zvave zvawanikwa, taura kuti munzvimbo yakapiwa.
8. Ndechipi chikonzero chekureva?
Mimwe mienzaniso yakarongwa ndeye "zvinhu zvinotengeswa", "mari inokweretwa", "maitirwo akaitwa." Izvo zvinongova mienzaniso. Iwe hauna kukwana uye iwe unogona kupa chero tsanangudzo yakanakisisa yakakodzera kuda kwako.
9. Zvose here kana kuti chikamu chemhosva yacho yakachengetedzwa?
Kana munhu ane chikwereti akaisa mari pachikwereti, yakachengetedzwa . Pasinei nokuti kubvunzwa kwakachengetwa zvakakwana kana kuti kwakasununguka kunoenderana nemari inokweretwa uye kukosha kwechibvumirano. Kutaura kwacho kunongopedzerwa kusvika kuhutano hwechibvumirano. Kupfuura izvozvo, kudai hakuna kuchengeteka.
Mubvunzo uyu unobvunzawo kana chibvumirano chekuchengetedza chinogadziriswa. Icho chinoreva nzira iyo chibvumirano chekuchengetedza chinyoresa, chakanyorwa kana zvimwe chakaitwa kuti chiwanike kune vanofarira mapato kuti vawane.
10. Imhosva inobva pachibharo here?
Itai mari inoda kurapa chikwereti chisina kushandiswa sekusvika musi wawakasungirwa mhosva yacho.
11. Kubvunzwa kunotungamirirwa nekodzero yekuisa here?
Kana akakwereta akakwereta iwe mari, uye iwe unokwereta chikwereti chemari, vanogona kubvisa mumwe nomumwe kunze, zvishoma nezvishoma. Iri ndiro kodzero yekuisa . Ziva nzvimbo yaunayo iyo inogona kuiswa setoff pamusoro pemhosva. Nemuenzaniso, kana iwe uine kadhi yekudha kubhangi, bhenji rinokubhadhara iwe kuti mari. Kana iwe wakakwereta $ 1 000 kubva kubhangi, bhangi ringashandisa $ 500 iyo inokubhadhara pamari ye $ 1 000 yaunofanira kubhadhara. Muchiitiko ichocho, iyo nzvimbo yaunofunga ndiyo yebhangi yebhangi.
12. Izvi zvinodaro zvinonzi zvakakosha pasi pe11 USC Sec. 507 (a)?
Kune huwandu hwemazana emakwereti ane kodzero yekutanga . Izvi zvikwereti zvichabhadharwa zvisati zvaitika kune dzimwe mhando dzechikwereti kana pasina mari yakakwana yekubhadhara zvikwereti zvese zvakagamuchirwa zvakakwana. Kunzwisisa musiyano pakati pezvokutanga kudai uye kusingaiti zvinokosha zvinogona kuva zvinyengeri, uye iwe unofanira kubvunza munhu akakodzera kugadzirisa gweta kuti akubatsire.
Pakupedzisira, iwe unofanirwa kuzviratidza uye woina fomu yekubvunza. Chimwe chimiro chekutsvaga chinosayirwa pasi pechirango chekupomera , izvo zvinoreva kuti iwe unogona kupomerwa uye kuiswa kana kuiswa mujeri nekuda kwenhema pafomu.
Kutsigira Zvinyorwa
Zvakakosha iwe kuti uise chero magwaro anotsigira aunayo nefomu yako yekudaidzira. Izvi zvinosanganisira mapepa ekuvimbisa, zvibvumirano, invoice, kuchengeteka zvibvumirano, kana zvimwe zvinyorwa izvo uchapupu chibvumirano, mitsara yemwedzi, kubhadhara zvinyorwa, vatungamiri. Zvinyorwa zvinotsigira pamwe chete zvinofanira kuratidza (1) kuti chikwereti chepamutemo chiripo, uye (2) chikwereti chikwereti pane chikwereti. Pasina zvinyorwa zvinotsigira, izvo zviri munzira zvinodiwa pasi pemitemo yebhengi, uchapupu hwekutaura hahuna kukwana uye hunogona kukonzera kukanganisa kubva kumatirastii kana kukwereta.
Yakarongwa naCarron Nicks muna July 2017