Kune vanhu vakawanda vanopa Chitsauko 7 kana Chitsauko 13 bankruptcy case, iyo inoshanda yakananga uye yakananga. Kunyange zvazvo zvingave zvakaoma kuti iwe uise mari yekudarika, zviri pachena kuti iwe uchabuda mune chimwe chinhu! Zvinosuruvarisa, dzimwe nguva chikwereti chichasarudza kuti chinofanira kukwidza munhu ane chikwereti (munhu anokanganisa bankruptcy) mumatare ekudarika.
Dzimwe nguva munhu ane chikwereti anokwidza mhosva mune imwe dare nekuti hainganzwisisi kuti kubhadhara kunoshanda sei. Dzimwe nguva munhu ane chikwereti anoziva zvakajeka kuti bhadhadzi inoshanda sei uye arikumbira dare kuti ritaure chikwereti chisingakwanisi. Izvi zvinowanzokumbira dare kuti ritaure kuti chikwereti chemunhu ane chikwereti hachibudiswi nemhosva.
Kana iwe unopomerwa mubhengi, nyaya yacho inonzi "mhandu inopfuurira." Sezvo zvinonzwika, kuenderera mberi kunopesana, semhosva chero ipi zvayo. Ichava nomutongi uye mumiririri. Kunyange zvazvo nguva yakawanda iwe iwe semukwereti uchange uri mumiririri, iyo haisi nguva dzose. Vazhinji vane chikwereti vachapa muvengi mhosva yekukumbira dare kutaura chikwereti chinogona kubhadhara. Somuenzaniso, unogona kukumbira dare kuti ribudise chikwereti chako chemudzidzi.
Paunotambudzika Kunze kweBanruptrupt Court
Vanhu vazhinji vanowedzera kubhadhara kakatova negweta. Kana iwe usati uine gweta, somuenzaniso kana iwe ukaisa iyo bankruptcy case pro se , panguva ino iwe zvechokwadi uchada imwe.
Zvinenge zvisingakwanisi kudzivirira mutongo wekubuda mumatare e bankruptcy iwe pachako. Mikana ndeyokuti, kana iwe unopomerwa mune imwe dare, sematare ehurumende, iwe uri mubhadhadzi kana
- mukwereti wako haazive kubhadhara
- mukwereti wako haanzwisisi zviri nyore kugara
Izvo zvinongoramba zviripo zvakagadzirirwa kudzivirira vatengi kubva kutora zviito zvekuunganidza kunze kwedare rekudarika.
Vazhinji kunze kwekutongwa kwemhosva vanorambidzwa kunze kwekunge vatumirwa nemvumo yedare. Kana uyo ane chikwereti asingatauri kubhadhara, kazhinji inotora foni kana kuongorora kumureya anoisa imwe nyaya uye kuvimbisa kuti chikwereti chakanyorwa mumatambudziko ekubhadhara. Anokwereta anofanira kubvisa imwe mhosva.
Zvimwe nyaya hazvikodzeri kumatare edzimhosva, sekurambana kwemhosva. Kazhinji, gweta reimwe sangano richauya pakutanga kumatare edzimhosva kuti awane mvumo yekuisa nyaya yekatende rehurumende. Pane imwe nguva, munhu ane chikwereti achapa mhosva mumatare ehurumende pane chikwereti. Kana soro iri kungozvitsvaga kutonga mari, dare rebhengi ringangodaro rakavhara. Kana soro iri kuedza kugadzirisa mhosva iyo inogona kutungamirira pakuona kuti chikwereti hachikwanisi kubhadharwa , dare rinogona kusarudza kusiya sutu iyo iri, kuendesa kudare rekudarika, kana kuti rakadzingwa uye rakadzoserwa mubhadhadziro dare. Semuenzaniso, izvi zvinogona kuitika kana uyo ane chikwereti ari kupomerwa nekubiridzira. Kunyengera kungaita kuti chikwereti chirege kuregererwa, asi chikwereti chinofanira kuwanikwa chave chaita ufeve kutanga. Izvozvo zvinogona kuzadzikiswa mumatare ehurumende kana dare rekudarika.
Apo Unotambudzwa muBanruptrupt Court
Mikana ndeyokuti, kana iwe uri kutongwa mumatare ebhengi, rine chokuita nehutano hwechikwereti uye kuti chii chichave chakatora .
Mhosva. Kana iwe wakapomerwa mumatare ebhengi, iwe uchafanirwa kushandiswa nehuwandu unonzi "kukumbira." Kunyunyuta kunongova rugwaro rwunonyora runotsanangura kuti nei munhu anokuteerera ane kodzero yekuregererwa kubva kumatare ekudarika. Pasi pemitemo yeBritain Mitemo yekudarika, iwe unogona kushumirwa nekunyunyuta kuburikidza nekutumira iyo kero pakunamata kwako (saka iva nechokwadi chekuverenga tsamba yako). Iwe uchafanirwawo kushumirwa nemasitori uye dzimwe nguva mamwe magwaro . Nhepfenyuro inoratidza kuti iwe unofanira kunge wapindura sei kunyunyuta uye kana iwe uchiita dare rekuonekwa.
Nei Wakaedzwa?
Pane zvikonzero zvizhinji zvaungadai wakapomerwa munyaya yebhengi. Dzimwe nguva mhaka inogona kunge yakaoma zvikuru: dzimwe nguva inogona kunge yakananga. Mimwe yematongerwo emhosva yakawanda ndeaya apo vako vane chikwereti vanokupomera pasi pehurumende mitemo 11 USC chikamu 523 uye 11 USC chikamu 727. Muzvikamu zvakafanana, zvikamu izvi zvinonzi kuregererwa mhosva uye kukanganisa kukwidza mhosva . Chaizvoizvo, mutongo wekutanga urikukumbira dare rekugadza kubvisa chikwereti chaunokweretesa kune chikwereti chekuregererwa kubva pakusunungurwa mukubhadhara. Imwe mhosva yakatsvaga kukudzivirira kuti urege kuve nekupererwa kwekuparara (izvi zvakaipa kwazvo!). Iwe unogonawo kupomerwa nemutongi we bankruptcy nokuda kwezvikonzero zvakasiyana-siyana, zvakadai sekutengesa kwenhema.
Chii Chingaita?
Chinhu chokutanga haufaniri KUITA kuita kunetseka. Yeuka kuti ani zvake anokwanisa kumhan'ana chero munhu chero bedzi achikwanisa kubhadhara mari yekunyorera. Nokuti iwe wakambomanikidzwa hazvirevi kuti wakaita chero chakaipa. Zvisinei, iwe unofanira kutevedzera dare rekuita. Izvi zvinosanganisira kupindura kubvunzurudzo. Kazhinji pane nzira mbiri dzekupindura kune kunyunyuta: kuisa Mhinduro kana kuisa Chirevo chekudzima. Vanhu vakawanda vasina magweta vanoda kuisa Mhinduro, sezvo Chirevo chekudzima chinogona kuoma uye chinoda kunzwisisa kwemurairo. Mareji akawanda ekuputsa achave nemafomu kune vane chikwereti vanozviratidza ivo (anowanzoti " pro se " vane chikwereti) Kupindura zvipomera. Iyi maitiro kazhinji inowanzotarisa-ye-box style uye inokubvumira kuti kazhinji urege zvose zvinopomerwa zvekutukuta. Zvisinei, ndinokurudzira zvakasimba kuti iwe uchiri kuona gweta.
Chii Chinotevera?
Kazhinji mushure mokunyora mhinduro yako, danho rinotevera nderekuendeswa kudare kumusangano wemamiriro ezvinhu. Iyi misangano inowanzopfupika munguva yakareba uye inosanganisira mutongi kuti anzwisise zvakanyanya nyaya yacho. Mutongi anogonawo kugadzirisa dzimwe nguva uye mazuva anotevera anonzwa. Kana iwe usina gweta panguva iyi, unofanirwa kufunga nezvekuwana imwe.
Yakagadzirirwa muna October 2017 naCarron Nicks