Congress Yakapedza Muedzo Wokuti Unetseke Chitsauko 7 Mhosva
Apo Congress yakasarudza muna 2005 kuti iwedzere mitemo yebhangi, yakanga yava makore anopfuura makumi maviri kubvira apo chikamu chekodhi yebhengi yakave yakagadziriswa zvikuru.
Pakazosvika gore ra2005, Congress yakava nehanya nekuti vanhu vazhinjiwo vakanga vari kuvhara Chitsauko 7 kubhadhara uye kubhadhara zvikwereti zvavaigona kukwanisa kubhadhara, kana kunze kwekubhadhara kana kuti kuburikidza neChitsauko 13 chekubhadhara . Kuwedzerwa kwakava Bhizinesi reHuman Defensive Abuse Prevention and Consumer Protection Act (BAPCPA kwenguva pfupi). Congress yakavakwa muzvikamu zvakasiyana-siyana zvakagadzirirwa kuvhiringidza vaferesi vaigona kugadzirisa zvikwereti zvavo zvisingaverengeki, semitero yezvechiremba, payday zvikwereti uye zviyero zvekadhi rechikwereti. Chimwe chezvakagadzirirwa izvi nokuti izvo zvatinoti ndiyo nzira yekuedza.
Iko Kuonekwa Kwekushungurudzwa muChitsauko 7 Nyaya
Nzira yekuongorora ndiyo nzira yekugadzirisa kana iwe une mari yakasara pamagumo emwedzi iwe unogona kuzvipira kubhadhara chikwereti chako chisina kuchengeteka. Kana iwe uchidaro, unotarisirwa kuti upe faira reChitsauko 13 chekubhadharwa chekubhadhara panzvimbo, kana kuti usaisa firiji zvachose.
Kana iwe ukasarudza kuenda mberi neChitsauko 7 pane zvakadaro, iwe uri kuita saizvozvo pasi pe " kufungidzira kushungurudzwa ." Kufungidzira ndeyekuti iwe unogona kukwanisa kubhadhara chikwereti chako chisina kuchengetedzeka, asi iwe unosarudza kusaita nekuisa chikamu cheChitsauko 7. Izvozvo, Congress inotarisa, inogona kuva kushungurudzwa kwebhishopiti system.
Kuonekwa kwekushungurudzwa hakudziviriri kudhinda Chitsauko 7 Nyaya
Kana kuregererwa kwekushungurudzwa kunomuka pasi pekugadzirisa kuedza kuverenga, hazvirevi kuti iwe "wakundikana" chero chinhu. Uye, hazvirevi kuti iwe unorambidzwa kubva kuisa Chitsauko 7 nyaya. Kunyange kana nzira yekuongorora inoratidza kuti une mari yaunogona kuwana yaungashandisa kuita Chitsauko 13 kubhadhara, pangava nezvikonzero zvakanaka zvekuenderera mberi pasi peChitsauko 7. Dare rekudarika rine uchenjeri hwokubvumira nyaya yacho kuti ienderere mberi, asi iyo inowanzodikanwa kuti iwe upe tsanangudzo yakajeka yemamiriro ako chaiwo uye zvinyorwa kuti uite zvakare.
Nzira Dzokuenzanisa Mafomu
Fomu iyi inogona kuwanikwa pane idzi dzinotsigira:
Chitsauko 7 Zvinoreva Kuyera Kuenzanisa (Fomu 122A-2)
Nhoroondo yeZvose Zvese Zvikwereti Zvinotenderwa
Vanhu vanopfuura kana vanokanganisa nzira yekuedza kune chimwe chezvikonzero zviviri. Chero mari yavo inowanikwa yakakwirira kwazvo, kana mari yavo inenge isinganzwisisi uye inofanirwa nehupenyu hwemhuri yavo. Nokudaro, zvinokosha kune nzira yekuongorora kuverenga kuti iwe wakanyatsojeka uye wakarurama mukunyora yako mari yepamusoro sezvinobvira.
Nzira yekuenzanisa fomu iyo pachayo inopa zvimwe zvisiri izvo zvinodhura. Heano mimwe mienzaniso:
- Kudzidzisa uye zvimwe zvipo zvekudzidziswa kwevana vako kana achifanira kuenda kuchikoro chakanaka nekuti iye ari mumuviri kana mupfungwa.
- Kunze kwehomwe yehutano kutarisira mari.
- Kutengesa mitambo, sevatendi, inoshevedza kumirira, id caller, nzvimbo yakakosha yakakura kana yebasa rekutsvaga kusvika pakudikanwa kwehutano hwako nehutano kana hwevaya vanovimba navo.
- Zvaunofunga uye zvinoshandiswa zvinodhura zvinosanganiswa nekuchengetwa kwevakwegura, vanorwara kwenguva refu kana vanorwara vemhuri.
- Mwedzi mitengo inoshandiswa kuchengetedza kuchengeteka kwemhuri yako pasi pemitemo yehurumende, seMhuri yechisimba Prevention and Services Act.
- Kuwedzerwa kwemari yeimba yemari.
Kune vamwe vanhu, kuverenga kwezvinhu izvi zvisingawaniki zvingave zvakakwana kukutorera kubva pane "kusakwanisa" kune "pass" column.
Kuisa Chitsauko 7 pasi pePeumption of Abuse
Kana iwe ukaisa Chitsauko 7 nyaya mushure mekunge kusarudzwa kwekushungurudzwa kunokonzerwa nekuda kweKuedza Kuverenga kuverenga, musimboti wako kana ehofisi yeTransiti yeUnited States achabhadhara zvakanyanya nyaya yako.
Pasi peBAPCPA, iwe une mutoro wekuratidza kuti hauri kushatisa urongwa hwebhangi. Izvozvo zvinowanzoita kuti iwe uratidze kuti unechiitiko chakakonzera chinokuita kuti uwane mari yausina imwe nzira yakakwana kunze kwekubhadhara.
Iwe ucharondedzera mamiriro ako chaiwo pane imwe nzira yekuedza fomu Chikamu 4. Zvimwe zvinowedzera mari zvinowanzobuda kubva pane zvinotevera uye zvinogona kufungidzirwa kuti zvinokwanisika zvinodhura nokuda kwezvinangwa zvekuongorora nzira. :
- Matambudziko makuru ehutano
- Kushevedzwa kuita basa rinoita zvehondo
- Kurasikirwa kwebasa munguva pfupi, kupera kwemari, kupera kana kushandiswa kwemhirizhonga
- Mari dzinoshandiswa kune munhu asingasviki mudzimai, zvakadai sekubhadhara chikwereti
- Kuparadzana kwemazuva apfupi kana kurambana
- Mamwe matare akawana kuti kubhadhara zvikwereti zvevadzidzi - kwete kubhadhara pane imwe nzira yekuedza fomu - chinhu chakakosha. Dzimwe nheyo dzakasvika pane zvakasarudzwa.
Kana Dare Risingabvumi
Kana musimboti kana hofisi yeU.S. Trustee isingabvumirani nechisarudzo chako chekuenderera mberi pasi peChitsauko 7, ivo vachaisa mvumo yekuregedza nyaya yako. Dare rekudarika richafanira kusarudza kana zvakakodzera kukubvumira kuwana Chitsauko 7 kubudiswa. Kana dare risina kubvumirana kuti haibvumi kuti iwe unopa mamiriro ezvinhu chaiwo, iwe unenge uine zvisarudzo:
- unogona kubvumira dare rako kuti ridzingwa uye kurindira kusvikira mari yako yemari inoshanduka kuitira kuti iwe ugone kudarika nzira yekuedza, kana
- iwe unogona kuchinja nyaya yako kuChitsauko 13 uye uise chirongwa chokubhadhara.
Kana mhindu yako yakashanduka zvakajeka mukati memwedzi mitanhatu-kutarisa-nguva, kumirira mwedzi mishomanana kuti ufukidze kungava mhinduro. Asi zvakare ramba uchifunga kuti Chitsauko 13 chirongwa hachidi kuti iwe ubhadhara chikamu chezana chechikwereti chako chisina kuchengeteka usati wasunungurwa. Iwe unogona kusarudza Chitsauko 7, asi Chitsauko 13 nemari shoma pasi pemakore matatu kusvika mashanu zvingave zviri nani kupfuura kuenda pasina rusununguko zvachose.