Kwenzekani uma ngingafaki mpendulo ecaleni lami le-NJ lembumbulu? - I-NJ & NY Yezindlu Nezindlu, i-Probate, i-Foreclosure Defense kanye ne-Bankruptcy LawyersIkhaya / Blog / Ukuvikelwa Kwemboni YeNew York / Kwenzekani uma ngingafaki mpendulo ecaleni lami lokumbulwa kwengca le-NJ?December 31, 2019 Ukuvikelwa Kwemboni YeNew YorkShiya amazwanaUVeer PatelLe ndlela eqinile yokuzivikela ekumbeni. Sifuna ukuphendula umbuzo umbuzo ojwayelekile esiwutholayo mayelana nokuzivikela ekumbeni, “Kuthiwani uma nginga faka impendulo ecaleni lami lokudalulwa eNew Jersey kuzokwenzekani? ”Uma ungafaki mpendulo, lolu daba luzoba icala lokudalulwa okungafuneki. Lokho okusho ukuthi ibhange ngokuyisisekelo lizokwazi ukuqhubekela phambili ngaphandle kokuthola omunye umuntu icala. Okwamanje kungenzeka ukuthi usenezinyanga ezi-4 emuva ekubambeni kwakho, futhi kungenzeka ufuna usizo. Ngaphansi komthetho wenkampani yeningi, ezimeni eziningi, ibhange noma obolekayo akakwazi ukuqala inqubo yokuboniswa kuze kube yilapho wena njengombolekisi engaphezulu kokwehluleka kwezinsuku ezingama-120 kwimpahla yakho engabanjiswa.Ngaphandle kwempendulo awutholi ukuncintisana nodaba lwembonakalo eseNkantolo Yezwe yaseNew Jersey noma wehlise ijubane inqubo yokubekwa phansi. Awutholi ukuphendula ngezinsolo noma ufake izibalo. Ngaphandle kokufaka impendulo, isifinyeza ngempela isikhathi esisetshenziselwa inqubo yokubikezela. Njengommangalelwa ekubonakaleni uhleli emalungelweni akho futhi uvumele ukuthi udaba luqhubeke ngokushesha ngangokunokwenzeka. Akuwena wedwa enqubweni engaphambili. Ukudalulwa kuphansi kwe-US, kepha NJ ihola izwe ngezakhiwo ngandlela thile Ukudalulwa eNew Jersey.Ungayifaka Kanjani Imali Yokubolekwa Kwezezimali Ngaphambi Kokuthengiswa Kwembula eNew JerseyKungenzeka ukuthi uzama ukufaka imali yakho oyibolekile, ngakho-ke kungenzeka ukuthi awuhleleli ukuphendula, noma kunjalo kungenzeka ungakwazi ukukubuyisela. "Ukubuyisela kabusha" imali yakho obambisa ngayo yilapho uthola izinkokhelo ezingabanjwanga, imali kanye nezindleko, ukumisa ukubonwa. Uma usenezinyanga ezi-4 ngemuva kokukhokha imali obambise ngayo, ukukubuyisela kabusha kungenzeka akuyona inketho NJ Stat. U-Ann. § 2A: 50-57 (Ukwelapha okuzenzakalelayo) kukuvumela njengomuntu obolekayo ukwelapha okuzenzakalelayo ekubambeni kwempahla yakho nganoma yisiphi isikhathi kuze kufike lapho kuzothunyelwa khona isinqumo sokugcina.Uma ungafaki mpendulo into yokuqala ezokwenzeka ukuthi ngemuva kwezinsuku ezingama-35 ummeli webhange uzokulahlekisela. Ngaphansi Isinqumo seNkantolo eNtsha yaseJersey 4: 6-1 uthola izinsuku ezingama-35 zokuphendula isikhalazo sokudalulwa yingakho abameli bebhange kufanele balinde ukufaka ifayili. Bazocela inkantolo isahlulelo esizenzakalelayo. Amaphepha wokugcwalisa alula nenkantolo futhi acela umabhalane wenkantolo ukuthi akwenze iphutha.Ingabe kufanele ngisebenzise uhlelo lwe-New Jersey Foreclosure Mediation?Uma ubhekene nokusobala uzothola isaziso mayelana Uhlelo Olusha Lokulamula ne-Foreclosure Summons kanye nesikhalazo. Kubhekelwa ku-NJ Stat. U-Ann. § I-2A: 50-58 Uma uphendula isaziso kungakapheli izinsuku eziyi-10 ngenhloso yokwelapha imali oyibolekile, ibhange liyacelwa ukuthi likunikeze izinsuku ezingeziwe ezingama-45 ngaphambi kokuthola isinqumo sokugcina. Ngakho-ke, leli yithuba lokuthi ulaphe okuzenzakalelayo futhi uthole isikhathi sokukwenza. Ungase futhi ukwazi ukuqhamuka nesinye isixazululo sokulamula, ngakho-ke kufanele ufake isicelo sohlelo lwe-New Jersey Foreclosure Mediation. Ungase ukwazi ukuthola a ukuguqulwa kwemalimboleko, Ukuthengiswa Okufushane noma ukukhokha okufushane.Kodwa-ke, uma usuhluliwe. Awukwazi ukufaka impendulo ngaphandle kokugcwalisa ukunyakaza ukuphuma kokuzenzakalelayo. Uma uzama ukufaka impendulo, kuzokwaliwa futhi uzotshelwa ukuthi kudingeka uphume kokuzenzakalelayo. Okusho ukuthi kuzofanela ufake ifayela ukuze uphume.Ungasivala Kanjani isahlulelo Sokuzenzakalelayo esimweni se-NJ ForeclosureKunezizathu ezithile okufanele uphikisane nazo. Kufanele ukhombise ukuthi kungani ungafakanga impendulo ngesizathu esihle. Ake sithi ufuna ukuphikisa ukuthi ubunesizathu esihle sokungaphenduli nokuthi inkantolo ibheka ukuzivikela okuyinzuzo kanjani. Uma uvele nje ufuna ukutshela inkantolo ngamazwi akho ngokwenzekile, kungenzeka ukuthi ulwa amalungelo akho. Inkantolo kwesinye isikhathi ibheka "ulimi lomlingo" lwesikhashana esifushane somthetho esinikeza igunya lokubusa ngandlela thile.Isivikelo esifanelekile ukuvikela okukhombisa ukuthi kunendlela yokubhekana nezinye izinsolo zesikhalazo. Ukuthi ukuphikisana kwakho kufanele. Uma uphikisana ngendlela engafanele, uzolahlekelwa.Ngakho-ke yilokho okwenzekayo bese kuthi emva kokuthi unephutha.Ngakho-ke, manje njengoba ungaphendulanga futhi uzenzakalelayo. Isinyathelo esilandelayo sommeli webhange kuzoba ukucela isahlulelo sokugcina. Lokhu kufayila enkantolo. Akusikho konke abameli bebhange abanakwehluleka futhi ngesinye isikhathi ungathola isikhathi esengeziwe phakathi kwalokhu kuhlunga njengoba kwenzeka izinto. Ngaphandle kokuzivikela indawo elandelayo eyi-a Kuzohlelelwa abathengisi besherifu.Ngakho-ke asikho isikhala esisele okufanele usisebenzele ngemuva kokuthi kungaphendulwanga mpendulo. Ngakho-ke impendulo elula yombuzo: "Manje kwenzekani uma ngingalandeli impendulo eNew Jersey ecaleni lami lokumbulwa kwembeswa."Uma wazi ukuthi isikhathi sakho sokukuphendula sidalulwa siyaphela kodwa akukakaphelelwa yisikhathi usunezinketho, futhi noma ngabe sekuphelile kukhona ongakhetha kukho. The Imithetho ye-NJ ezungeze ukubonakala kwesimo ishintsha sonke isikhathi. Musa ukuncika ku-inthanethi ukuze wenze noma yiziphi izinqumo ezingokomthetho. Khuluma no ukuzivikela Ummeli wamahhala namuhla bese udlula zonke izinketho zakho. Uma unemibuzo ngokujwayelekile silapha ukukusiza kulesi sikhathi esinzima. Yenza isu lokugcina ikhaya lakho noma likuhambise ngezindlela zokuthengisa ikhaya lakho noma uvuselele isikweletu sakho ngemuva kokudalulwa. Shayela 973-200-1111 noma i-imeyili [Email protected]
