Yiziphi izinhlobo Zokuqothuka Kwakho? - I-NJ & NY Real Estate, i-Probate, i-Foreclosure Defense kanye ne-Bankruptcy LawyersIkhaya / Blog / Ukuqothuka / Yiziphi izinhlobo Zokuqothuka Komuntu siqu ezikhona?January 2, 2020 Ukuqothuka, Ukuqothuka kweNew Jersey, Ukuqothuka kweNew York, Ukuvikelwa Kwembonakalo yaseNew YorkShiya amazwanaUDerek SoltisKunezinhlobo ezi-3 zokuqothuka komuntu siqu okungazifakwa. Isahluko 7, 11, noma 13. Kukhona nesahluko 12 sokuqothuka kwabalimi Bomndeni nabadobi Bomndeni. Futhi kunohlobo lesahluko 11 sabaninimabhizinisi abancane noma izinkampani ezizodwa zempahla. Futhi kunezimali ezingavinjelwanga abantu abangaphoqwa ukuba bangene kuzo.Ikhodi yokuqothuka itholakala Isihloko se-11 sekhodi yase-United State Bankruptcy.Kusho ukuthini ukuqothuka kweSahluko 7?Ukusetjenziswa kwesahluko 7 kusetshenziselwa ukuqeda isikweletu sakho siqu bese uqala ukukhuluma okusha ngokwezezimali. Lokhu kuvame ukufakwa ngabantu abangenayo imali enkulu noma ngaphezulu kwama-50% esikweletu sabo. Imvamisa abantu abaningi bathola ukugcina ikhaya kanye nezimoto zabo uma zingenakho ukulingana ngokweqile kulezi zinto. Uma abantu bengenazo izikweletu zebhizinisi, bangase benze imali eningi kakhulu ukuze bakwazi ukuthola ukuqothuka kwesahluko 7 futhi esikhundleni salokho kufanele bafakehluko 13 sokuqothuka.Kusho ukuthini ukuqothuka kweSahluko 13?Isahluko 13 uhlobo lokuqothuka lapho abantu bebuyisa izikweletu zabo isikhathi esiyiminyaka emithathu noma emihlanu. Abantu basebenzisa ukuqothuka kwesahluko 3 ukukhokha isikweletu esikhishwe lapho bengafanelekile Isahluko 5, noma bezama ukukhokha isikweletu esikhishwe njengekhaya noma imoto. Ngemuva kokuthi lowo obakweletayo akhokhe isikhathi seminyaka emithathu noma emihlanu noma yiziphi izikweletu ezingakhokhwanga ezingathengiswa, uzothethelelwa njengesahluko 13. Kunezinhlobo eziningi zezikweletu ezixolelwe esahlukweni 7 kunesahluko 3.Ingabe kunemikhawulo ekufayeleni ukuqothuka kweSahluko 13?Kunemikhawulo yesikweletu lapho kufakwa isahluko 13 futhi lokhu kuvame ukuguqula okuncane njalo ngonyaka. Njengamanje, ukusukela ngo-Ephreli 2019, okweletwayo akakwazi ukuba ngaphezu kwama- $ 419,275 ezikweletini ezingavikelekile ezisuka ku- $ 394,725 kusuka ku-2018 futhi angakwazi ukuba ngaphezulu kwe- $ 1,257,850 ezikweletini ezivikelwe ezisuka ku- $ 1,184,200 ngonyaka we-2018.Umuntu uzosifaka nini isahluko 11 Ukuqothuka?Lapho umuntu enesikweletu esikhulu kakhulu sokufaka esahluko 13 futhi angafuni ukukhokha izikweletu zawo noma agweme ukuthi izimpahla zawo zithengiswe esahlukweni 7, angabheka ukugcwaliswa kwesahluko 11 sokuqothuka. Ukuqothuka kweSahluko 11 kusetshenziselwa namabhizinisi, kubandakanya a Ibhizinisi elincane ukuhlunga kanye impahla yendawo eyodwa.Iyiphi inkantolo ephethe Ukuqothuka?Ukukhokhwa kwemali kuphatha ezinkantolo zombuso, futhi imithetho ichaziwe kwiKhodi YaseMelika Yokunqothuka. Le mithetho ithintwa yisimo lapho kufakwe khona imali ngokuqedwa kwemali kanye nezinqumo zezinkantolo zokuqothuka kanye nezinkantolo ezibanga amacala esifundeni sabo. Akusizo zonke izinqumo zenkantolo eyodwa yokuqothuka ezisebenza ngokuzenzakalelayo kwezinye. Ngakho-ke imibuso ehlukene nezinkantolo zombuso zingabusa kusethi olufanayo lweqiniso ngokuhlukile lapho zihumusha umthetho ngokusekelwe kulokho kulezo zinkantolo.Yize iNew York neNew Jersey bengomakhelwane abasondelene nabo, basesifundeni esihlukile futhi banemithetho eminingi ehlobene nokuqothuka okusingathwa ngendlela ehlukile.Njengesibonelo, izikweletu zentela eNew Jersey ziyinkinga ejwayelekile yokuqothuka kwemali eNew Jersey. Futhi, ukwazi ukuthi uzisingathe kanjani ngokuqothuka kweNew York kungaba yizwi elinamathela uma ummeli wakho obamba imali engawuqondi umthetho wazo zombili ezishiwo.
