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He aha ka mea e haʻalele ai i kahi mea hōʻaiʻē mai kaʻu Bankruptcy?

Aia ia i ka manawa o ka panakō i hoʻoili ʻia ai a inā he waiwai kāu. Ma kahi pahu 13 kahakaha a ma kahi puke 7 ka mokulele i kahi waiwai, ʻaʻole e hoʻokuʻu ʻia ka hōʻaiʻē. ʻO ia kahi e kau mau ana ʻoe i ka hookau e uku i ka panakō.

I loko o kahi ʻāpana kālā no 7, ʻo ka hōʻai'ē e hoʻokuʻu ʻia ke ka manawa ʻo ia kekahi o nā ʻano maʻamau maʻamau i kala ʻia e like me ka hōʻaiʻē ʻoihana maʻi, nā kāleka hōʻaiʻē, nā hōʻaiʻē ʻokiʻoki no nā kaʻa i hoʻihoʻi ʻia a me nā mea like.

Ke uhi ʻia nei ka hōʻaiʻē lā lā ma nā panakalupa?

Inā ua lawe ʻoe i nā hōʻaiʻē uku, e kala ʻia lākou ma ka panakalō. Hiki mai paha nā pilikia inā i lawe ʻia kā ka uku uku i kā mākou 90 mau lā e pono ai lākou e uku ʻia. ʻO kekahi aie o ka ala e kū mai ana ma loko o 90 lā o ka panakō he pono e uku ʻia.

Inā ʻoe e hōʻaiʻē no ka panakalupa a ua kau ʻoe ma nā palapala hōʻaiʻē i hoʻolimalima ʻia e ka wahi hōʻaiʻē Pay Day e holo ai ʻoe i kahi pilikia me ka ʻoihana uku ʻai e ho'āʻo nei e hoʻolimalima i kāu hōʻaiʻē. Inā loaʻa ʻoe iā ʻoe iho i kēia ʻano o ke ʻano, e kamaʻilio me ka loio kuhina kūleʻa e hele i kāu mau koho.

Ua manaʻo ʻia ka palekana palekana ma ka panakalupa?

Manaʻo ʻia ka palekana ʻana i ka loaʻa kālā i loko o kahi panakō, akā ua manaʻo ʻia hoʻi nā mea kū'ē. Ke nānā nei i nā kānāwai o ka US no ka palekana o ka palekana a me ka uku i ke kīpē a mākou e nānā nei iā 42 US Code Subchapter II - FEDERAL OLD-AGE, SURVIVORS, a me nā Hoʻolaha Koho Waiʻaleʻa.

malalo o 42 US Code § 407 Hāʻawi i nā uku i mea e pili ana i ka uku o ka palekana a me ka uku a me nā uku kīnā i ka uku hoʻopiʻi (SSDI) mai ka lawe ʻia ʻana e ka mea mālama kālā e uku i nā aie ma kahi pahu 7.

No ka mea inā loaʻa iā ʻoe kahi uku hoʻolimalima no ka uku palekana pili ʻana, ʻaʻole i ʻae ʻia kahi mea mālama kālā kālā e lawe i ke kālā i loko o ka paukū 7 panakalupa. ʻAʻole ka haʻalele ʻia ʻo SSDI mai kahi Mokuna 7 ʻo ia ka hōʻike. Eia nō naʻe, inā e ʻimi ana ʻoe e hoʻolilo i nā uku ma kahi paukū 13 panipōpō e noʻonoʻo ka mea mālama waiwai ma ke ʻano he kālā pilikino i ʻike ʻia e ʻĀpana 13.

Inā makemake ʻoe i kahi mālamalama maikaʻi aʻe e pili ana pehea ka hana a SSDI me kāu hoʻonohonoho kikoʻī maʻamau, e kamaʻilio i ka Loio loio e kiʻi i ka ʻike piha ma kahi o ka mea e hoʻokō inā ʻoe i kāu kāne a i manaʻo ai paha no ka panakalupa.

E hoʻoemi ʻia nā ʻauhau ma nā panakō?

Hiki iā ʻoe ke loaʻa ʻauhau loaʻa kālā ma luna o 3 mau makahiki i kala ʻia i ka panakalupa. Aia nā kānāwai 3 no kēia.

Kau aku ʻoe i kāu mau ʻauhau. Inā ʻoe e kau i kāu mau ʻauhau ma ʻApelila 10, 2015, no 2014 hiki ke hoʻokaʻawale ʻia nā ʻauhau ma April 11, 2017. Inā loaʻa kahi hoʻonui iā ʻOke 15, 2015 a laila pono ʻoe e kali i ʻOkakopa 16, 2018.

Inā ʻaʻole ʻoe i waiho i kāu mau auhau i ka manawa kūpono e like me ka waiho ʻana i kāu mau ʻauhau 2014 ma 2017, e kali ʻoe i nā makahiki 2.

Inā loaʻa he uku hou ma kāu mau ʻauhau ma 2014 i nā lā hope loa o 240 mai kahi mea e like me ka hoʻokolokolo, a laila pono ʻoe e kali i nā lā 240 ma hope o ka hana hou ʻana i nā ʻauhau e hoʻokuʻu ai. Makemake wau e heluhelu i ka ʻO ke alakaʻi a IRS ma ka panakalupa a me nā ʻauhau, akā he kūlike a ʻaʻole maopopo loa.

Inā he nīnau kāu, e kamaʻilio e a Loio loio. ^ E Ha yM. Kāhea iā mākou ma 844-533-3367.

He aha kahi KAHANA HANOHO NO KA ʻĀNANA NO? A i ʻole, hiki iaʻu ke kūʻai aku i koʻu condo i koʻu kaikuahine no kahi kālā a hoʻolaha i ka panakupa?

Inā kūʻai aku ʻoe i kekahi waiwai i ka mea i emi aʻe ma ka mea kokoke i ka mea e pono ai (Kūpepa Mālama piha), a laila e hoʻolaha i ka panakalupa, e nānā paha ka mea mālama kālā ma mua he mea e makemake ai i kahi hoʻololi i kahi Insider / FRAUD. A nd, huki hoihoi i ka waiwai i loko o ka panakupa.

E hoʻomaikaʻi iā ʻoe a me kou kaikuahine, nā kaikunāne a i nā hoahānau paha ʻē aʻe i kūʻai i kahi condo ma ke kahakai i Florida ma 2014 no $ 100,000. Ua waiho ʻoe ʻelua ma $ 50,000 a ʻelua hoʻi 50%. Ma kēia ʻo 2018, a ke noʻonoʻo nei nei ʻoe e pili ana i ka hoʻohālikelike ʻana a makemake ʻoe e haʻalele i ka condo mua. Inā uku ʻia ka condo i kēia manawa he $ 200,000 ka mea a kou kaikuahine e uku aku iā ʻoe iā $ 100,000 no ka mea e manaʻo ʻia ʻo ia kahi uku piha. Inā ʻoe e uku wale iā ʻoe i hoʻokahi dala ke nānā aku ka mea mālama iā ia he mea hoʻopunipuni me ka hoʻāʻo ʻana e pale ʻole i kāu hōʻaiʻē.

ʻĀnō e ʻōlelo i ka kahe ana o ka condo, a pono e hana ʻia o $ 100,000. ʻO ka waiwai o ka condo i kēia manawa he $ 10,000, akā $ 100,000 i nā kālā hōʻoia hoʻomāka e hiki mai ana. ʻO ke kālā ʻinikua hiki ke lawe ʻia i loko o ka panakupa ʻoihana. ʻAʻole hiki i kāu hoa noho i ka waiwai ke kūʻai aku i ka waiwai no $ 1 me ka ʻole e hoʻopiʻi iā ʻoe i kahi hoʻoili hoʻopunipuni.

ʻĀnō e haʻi i ka condo me ka ʻoniʻoki, ua lilo i mea paʻa kipi, a manaʻo ʻia i $ 10,000. I kēia manawa hiki ke hoʻololi ʻia kahi hoʻopaʻapaʻa e kūʻai aku ai iā ia i kou luna hoa kālā no $ 1 i mea maikaʻi loa iā ʻoe.

Inā he nīnau āu e pili ana i nā hoʻoili hoʻopunipuni i nā mea loko a i ʻole KUPUNAKUI KALAIAINA kamaʻilio i a Loio Loio i kēia lā ma 844-533-3367.

ʻO wau a me kaʻu wahine he kāne makua, līkū me ka hōʻaiʻē hōʻaiʻē ʻo 5 mai kahi hui hōʻaiʻē. ʻEhā ʻia nā ʻāpana ʻehā ʻē aʻe a ua hoʻopaʻa ʻia kekahi i kā mākou kaʻa. Ke ʻōlelo nei ka uniona kālā e hele lākou ma hope o ko mākou kaʻa no ka mea aia ma hope o mākou i nā moʻolelo a pau ke kaʻa wale. Hiki iā lākou ke hana i kēlā?

ʻO ka mea pōʻino, ʻo nā Uniona Kūleʻa e hana i kekahi mea i kapa ʻia ʻo cross-collateralized. E ʻōlelo mau nā Credit Unios i kā lākou ʻōlelo ʻana i kā lākou hōʻaiʻē e like me ka mea, "Ce hoʻopaʻa pū ai ka ollateral i nā hōʻaiʻē ʻē aʻe me ka Credit Union e hiki ai i ka hōʻaiʻē. Ka mea i hoʻolaha 'a na kou' aie hookahi wale nō i hōʻailona mai nei i kāu kaʻa e kū nei ke Credit Union e mālama nei i kāu mau hōʻai'ē āpau e like me ka mālama ʻana i kāu kaʻa.

Pono ʻoe e kūkā i Loio Kauoha e hele i kou kūlana e ʻike i nā mea e maopopo loa ai ʻoe a me kāu wahine.

He kamaʻāina wau a hewaʻole i kaʻu HELOC (kahi laina kaulike home home). He aha kaʻu mau koho e pale aku ai i ka wana?

Inā ʻoe i hāloi i kāu laina home o ka hōʻaiʻē a i ʻole ka hōʻaiʻē mokulele i kāu mau koho.

  1. E hana i kahi kuʻikahi me ka panakō. E paʻakikī paha kēia, akā, i nā manawa he mau polokalamu e kōkua ai iā ʻoe e hoʻi hou i kou mau wāwae ma hope o ka loaʻa ʻana o ka pilikia kālā.
  2. Hāpai. Loaʻa kēia i kekahi manawa, a ʻike pū paha mākou i nā ʻoihana e hana e kūʻai aku i kāu memo mai kāu pēke a laila e hōʻoia hou iā ʻoe. Ma kahi o ka hana ʻana i kahi kūʻai pōkole, e kūkākūkā ka ʻoihana me kāu pēke no ka uku pōkole.
  3. E haʻi aku i kahi panakalupa e kūʻai i ka manawa. Hoʻohana wale ʻia kahi ʻāpana 7 inā ʻaʻole i lawa kāu kuleana i kou home e hana ai i ka mokuna 7 kahakaha kālā makemake e kūʻai aku i kou home. Ma hope o ka panakalupa, ua loaʻa mau nā koho iā ʻoe e hōʻoia hou i ka hōʻaiʻē.
  4. Inā ke ʻimi nei ʻoe i ka piʻi ʻana i nā uku, hiki iā ʻoe ke faile no ka waihona moku ʻona 13 a hoʻomaka e uku i nā waihona ʻoihana mokulele 13 e uku aku i kāu HELOC a i ʻole nā ​​hōkū.
  5. Loaʻa iā ʻoe nō hoʻi ke koho e kūʻai i kou home inā loaʻa kāu kaulike. Hiki iā ʻoe ke pākahi a kūʻai i waho ke kūpono i kou kūlana.

E kamaʻilio me kahi loio Foreclosure Defence kokoke iā ʻoe e hele ma luna o kāu mau koho a pau.

Ua hala koʻu makuahine ma hope o ka hoʻopiʻi ʻana no ka panakō. Ua lilo a lilo ʻo ia i wahi waiwai i kaʻu waihona?

Inā make kou makuahine, makuakāne a i ʻole kekahi e haʻalele iā ʻoe i kahi mea i loko o nā lā 180 i kou hoʻopiʻi ʻana no ke kalaka ʻo ia kālā paha e huki ʻia ai i loko o ka panakō kālā no ka mea hōʻoiaʻiʻo e uku aku i kāu hōʻaiʻē. Akā, hiki nō paha ʻoe ke hoʻokaʻawale i nā māhele o ia mea.

ʻO nā mea hele mai e:

  1. ʻĀwili, noʻonoʻo, a hoʻoilina paha;
  2. Ma muli o kahi ʻikepili hoʻoholo waiwai me ka wahine a ka mea i aie ʻia, a i ʻole he palapala ʻaelike interlocutory a i ʻole; a i ʻole
  3. Ma ka mea he pōmaikaʻi o kahi kulekele olakino olakino a i ʻole he papahana pōmaikaʻi o ka make.

Hiki ke huki ʻia i kahi ʻoihana hōʻaiʻē e ka peʻe kālā e uku i kāu poʻe hōʻaiʻē. Pēlā pū kekahi pū i ka hopena o ka inikua a i ʻole nā ​​hoʻokele no nā hewa i hōʻea ma mua o ka hoʻopiʻi ʻana o ka panakalupa.

Aia pū kekahi aia ke komo ʻana i kahi mana hilinaʻi o Spendthrift e mālama i nā waiwai mai loko o kāu panakōlopulu. Inā hopohopo ʻoe e hiki i kāu mau keiki ke hoʻoili ʻia no ka waihona hoʻohemo a i haʻalele paha i kaʻalani, ʻo ia ka mea i hoʻopau ʻia ʻo ia ka mea hoʻokahi e pale i nā waiwai. Inā he nīnau āu e kamaʻilio ai a Loio a me loio e hele i kāu mau koho.

Ke kamaʻilio ʻana a Loio loio inā i pili ʻia aku kekahi o kēia mau mea iā ʻoe, e hele ma luna o kāu mau koho.

Ke uku nei au i kaʻu hōʻaiʻē kaʻa ma o ka paukū 13 no 2 mau makahiki, a pono ia e hoʻohuli i kahi 7 mokuna. Hiki iaʻu ke faile hou i kahi mokuna 13?

ʻAe, hiki iā ʻoe ke faila i kahi puke 13 ma hope o kahi puke 7. He mea hoʻohenehene kēia ka mea i kapa ʻia ʻo "20" 13 + 7 ... Manaʻo ia ʻaʻole ia he mea he leʻaleʻa maikaʻi loa ia, akā e hōʻike ana he hana maʻamau kēia e loio ai nā loio a me nā luna kānāwai e pili ana ia mea. Ma lalo o kahi mokuna bankruptcy 13, hiki paha iā ʻoe ke kāohi i ka waiwai o kāu kaʻa e uku wale ʻia i ka mea pono a ʻaʻole hoʻi ka mea i hōʻaiʻē maoli ʻia.

Eia naʻe, inā ʻoe i ke kūlana i kapa ʻia ma luna o kahi he 13 kahi i hoʻohuli ai i kahi Mokuna 7, a inā he nui kāu kālā kālā ʻoe nō paha e uku iā ʻoe ka uku o ka ʻauhau ma luna o kāu kaʻa ma lalo o ka pauku kumu e like me ka mokuna 13 ʻaʻole i hoʻopi mua ʻia. E kamaʻilio me ka loio kuhikukū e hele i luna o kāu mau nīnau pili i ka hihia a ʻike inā inā kūpono kāu "ʻolelo 20 kahakaha kālā".

Hiki iā wau ke faile no kahi Kālā 7 Bankruptcy inā loaʻa kālā nui wau?

Aia i nā mea kū'ē i ka Mokuna 7 ʻo ka hōʻike.

  1. Inā pili ka hapa nui o kāu hōʻaiʻē ʻoihana, hiki iā ʻoe ke pale i ka Mokuna 7 ʻo ka hōʻike.
  2. Inā ʻoe i ka hana koʻikoʻi i ka pūʻali koa, hiki iā ʻoe ke pale i ka Mokuna 7 ʻo ka hōʻike hōʻike.
  3. Aia kahi papa lua i ka mokuna 7 panakalupaʻo. Inā lawa ʻoe i nā hōʻemi i nā kuhi ʻano hiki nō hoʻi iā ʻoe ke faila no ka waihona ʻoihana 7.

ʻO ke ala e maʻalahi e ʻike ai inā maʻa paha ʻoe ke kamaʻilio ʻana i kekahi loio kūloko. ʻIke wau he mea hiki ke weliweli e kaʻana i kāu moʻolelo, akā i ka lā maʻamau, ua kōkua kaʻu kūpaʻa i nā poʻe e like me ʻoe e waihona ai no ka panakalupa.

Aia paha kahi loio hōʻaiʻē kokoke mai iaʻu?

Loaʻa iā mākou nā keʻena loina ma Jersey City, Hackensack, New York City, Brooklyn a me Freehold, NJ no kā mākou loio i hālāwai ai i nā mea kūʻai pilikino. Eia nō naʻe, eia kēia 2018. Inā ʻoe e ʻimi nei i ka hōʻaiʻē i ka hōʻaiʻē, hiki i nā mea like ke hoʻopiʻi i kahi hihia kūlepea hiki ke kiʻi ʻia i ke kelepona, ma o ka pūnaewele paʻa o ka leka uila, leka uila a / a i ʻole fax. I kekahi manawa ʻaʻole mākou e hālāwai a kūʻai aku a hiki i ka hālāwai mua o Creditors me ka Bankruptcy Trustee. (Inā ʻoe pilikia ʻoe no ka hele ʻana i ka ʻaha, ʻo ka hapa nui o ka waihona kālā hoʻopulapula 7 a me nā hihia 13 ke komo wale nei i hoʻokahi hālāwai me ka mea hilinaʻi kūloko e lilo ana i nā minuke 5. He nui nā mea ʻē aʻe a kā mākou mau loio e hana ai e hōʻoia wale nō iā ʻoe i hoʻokahi hālāwai. Ka paukū 13 hoʻolālā e mau ana no 3 a hiki i 5 mau makahiki, akā pono ʻoe e hālāwai me ka mea mālama i hoʻokahi manawa ke ʻole he mea e puka mai nā mea maʻamau.)

Ke ʻimi nei ʻoe i ka hoʻoilina ʻē aʻe ma ka faila no ka hōʻaiʻē i kekahi loio ʻike me kahi loea kokoke iā ʻoe e kūpono a hiki iā ʻoe ke kipa aku i ka loio o ka loio i ka hālāwai ʻana me ke kanaka. ʻO kahi wahi loio i kokoke iā ʻoe e maʻalahi e hoʻopili i kahi loio no ka ʻōlelo e kipa ana i ka loio i kāna keʻena pilikino. Hoʻonui mākou i kāu pilikino. No laila, hiki ke kūkākūkā kūkākūkā mua mua i kahi kelepona a i ʻole ke kelepona ʻana i kahi loio ma ka leka uila me kāu mau nīnau āpau. ʻAʻole kūlike ka lawelawe kālā a kōkua i nā mea kūʻai pono e mālama i kā lākou hōʻaiʻē. Hoʻomaopopo mākou e ʻimi ana ʻoe i ka hōʻaiʻē o ka hōʻaiʻē i ka mea hōʻaiʻē i ka mea hiki ke hoʻopau i kahi wānana a hoʻopau ʻole i nā hōʻaiʻē hōʻaiʻē pilikino. He mau loio mākou me nā makahiki o ka hoʻomaʻamaʻa ʻana i ke kānāwai panakalupa e hoʻolako iā ʻoe i nā lawelawe maikaʻi loa e pili ana i kāu hihia. ʻO mākou kahi e pale ai i kāu mau kuleana, a loaʻa iā mākou nā loio he nui i hoʻohana i ke kānāwai ma New Jersey a me New York e hāʻawi nei i nā ʻano hana like ʻole. Makemake mākou e hōʻoia i ka mālama ʻia o kou mau pono āpau a uhi ʻia nā maʻa āpau o kāu pono. \ Iwai a aie ke dttla.

Kuhi ʻia koʻu hale i ka mea e hana iaʻu?

Inā paha ma ka Pūkena Lien hoʻoilo a i ʻole kahi Kānāwai i kāu mokukaua he ʻokoʻa manawa manawa ʻē aʻe i loko o ke kaʻina wānana. ʻO nā koho āu e mālama ai i kou home ua hilinaʻi ʻia i kou kūlana ʻokoʻa. E kamaʻilio me kahi loio i kēia lā. ʻOiai inā ʻaʻole ʻoe e manaʻo i hiki iā ʻoe ke loaʻa i kahi loio, pono ʻoe e hoʻomaopopo i ka manawa no ka foreclosure. Mai pale i ka hiki o ka haʻalele ʻana i kou home i Foreclosure e ʻoe iho.

Mālama mākou i nā home. E kōkua mākou e hoʻopakele iā ʻoe.

KAHAI MAUA NO KAHIKO NUI E NOHO ANA MA KA ATTORNEY -TALK TO US E hele i kāu mau koho a pau. E hana i kahi hoʻolālā e mālama i kou home, a i ʻole e noho ma kou home ke lōʻihi inā he kānāwai. E ʻike maikaʻi koʻu keʻena i ke kānāwai Foreclosure, ʻĀina hoʻopukupaʻa, Hoʻolālā Piliwaiwai, a me Law Law Tenant ma New Jersey. E nīnau iaʻu pehea e mālama ai i kou home. A i ʻole, pehea e hooki ai i kahi kūʻai no Sheriff. A i ʻole, e haʻalele i kahi mea hōʻai ʻole uku. A i ʻole, pehea e hoʻolilo kālā me kāu waiwai i ka wā i hōʻike mua ʻia. A i ʻole, ʻo ka mea ʻē aʻe āu e makemake ai e ʻike. Hoʻopau wau i ka mālama ʻana i nā hale.

Hoʻomaopopo i kāu hana. Mai hoʻoweliweli ʻia e kāu mea hoʻolilo. ʻO kēlā me kēia hana āu i hana ai i kēia lā i nā manawa hou aku i loko o kou hale e hana i kahi hopena. Inā ʻaʻole ʻoe e pane i ka hoʻopiʻi, hiki iā ʻoe ke haʻalele i kou hale i nā lā 180. ʻAʻole ʻoe e manaʻoʻiʻo i ka poʻe e ʻōlelo nei he mau makahiki ka wānana ma New Jersey. Inā ʻoe e pane i ka hoʻopiʻi ma ke ala pololei, hiki iā ʻoe ke hāʻawi i nā pale e pono ai ʻoe e hoʻōla i kou home.

  • Hoʻolā KAHI HOME LOAN - Inā ʻae ʻia ʻoe, hiki iā ʻoe ke hōʻemi i kāu uku uku, hoʻemi i kāu helu ʻai, a ma ka hopena maʻamau e hōʻemi iho nei i nā mea āu e uku ai ma ke poʻokela o kāu mōho.
  • KA MANAOLAHA BANKRUPTCY, aka, WALE inā ʻo ia kāu koho maikaʻi loa. Hiki ke hoʻohana ʻia i ka peʻe ke koi aku i ka panakō e nānā i kāu hōʻaiʻē no ka hoʻololi ʻoiai inā ʻoe i hōʻole ʻia i ka hoʻololi ʻana i nā hōʻaiʻē i ka wā ma mua.
  • E kūʻai aku i kāu home inā ʻo PUTET i kā POUʻU A PUKA MAKAʻU A I KE KĀNOLOHE I LIEU O KAHOA HALE PĀHAI: ʻOiai inā ʻoe ma lalo o ke kai a ʻaʻohe makemake hou i kou waiwai, aia nā ala e pale aku ai i kahi wānana ma kāu moʻolelo.
  • Hana me kahi ʻoihana e hoʻāʻo e kūʻai i kāu mokulele mai kāu pēkē: Kēia e kani paha e like ka pana lōʻihi, akā hana mākou me nā mea hoʻopukapuka e makemake e hana pū me ʻoe e kūʻai i kāu mokupua a hāʻawi iā ʻoe i kahi hōʻaiʻē hoihoi ʻole inā kōkua lākou iā ʻoe e kūkulu hou i kāu hōʻaiʻē.

Kāhea iaʻu NOW ma (844) 5-DEFENSE - 844-533-3367 e hele NO KA HOU KUPAU, a i ʻole e leka uila mai iaʻu [Leka uila hoomaluia]FocusedLaw.com. ^ E Ha yM. E hana pū wau me ʻoe e ho'ōla i kou home.

Pehea e pani ai i kahi kūʻai no Sheriff?

Nui nā ala e pani ai i kahi kūʻai sheriff ma New Jersey. ʻO kahi kuleana, hiki i ka mea hoʻopiʻi ke noi no kahi hoʻopihapiha lā 28-lā me ka sheriff. Hoʻopau kēia i nā kūʻai wale aku. Aia kekahi mau hiʻohiʻona kahi e hiki ai ke hele i ka luna kānāwai me kahi neʻe hou e pani ai i ke kūʻai. He Palapala e Hōʻike i nā Kauka kahi mea e hiki ai i nā luna kānāwai ke hoʻoholo i kēlā lā a i ʻole e hoʻonohonoho i ka manawa manawa e hoʻoponopono ai i ka hihia. Hiki i ke kaʻina hana kēia no nā pilikia ākea āpau.

Inā ke noʻonoʻo nei ʻoe i ka panakalupa, ʻo kahi ʻāpana 13 a me kahi poʻo 7 ka peʻaleʻa e pau i ka kūʻai. Eia nō naʻe, inā he mālama hōʻaihewa ʻoe i ka lā hope loa o 180 a i ʻole ʻoe e pāpā ʻia ʻana mai i ka hoʻopiʻi ʻana aku i kekahi panakalookō he mea paha e pono ai ke lanakila ʻia.

ʻO Sheriff Sales ma New Jersey e kūʻai aku i ka home i ka hapakolu i ke kolu o ke kaʻaʻa, a i ʻole ka lilo ma ka hale kūʻai i ka hoʻoili. A inā ʻaʻole hiki i ka hoʻopiʻi ʻana o ke kūʻai aku, ʻO ke panakalupa ʻo ia wale nō ke ala e hoʻopakele ai i kou home.

Helu ʻĀina 7 ka panakalō e hoʻohemo wale i ke kaʻina o ke kūʻai. A, inā ʻimi ʻoe i kou home i ka mokuna 7 hilinaʻi paha e hoʻāʻo e kūʻai aku e hoʻomaikaʻi i ka mea āu i hōʻaiʻē ai i nā mea āpau o kāu hōʻaiʻē.

A ʻo kahi poʻo mokulele 13 e ʻae iā ʻoe e hoʻomaka i kahi hoʻolālā uku e uku aku ai i ka ʻāpana o ka ʻauhau (nā uku i hala ʻole) ma kāu hōʻaiʻē i kāu pēke a lawelawe lawelawe paha a noi aku i kahi Hoʻolaha Hoʻopiha ma nā panakalupa. Inā ua hoʻohuli ʻia ʻoe i ka wā i hala aku nei, hiki i ka peʻupena ke hāʻawi iā ʻoe i kekahi manawa ʻē aʻe i ka waihona e ʻae nei i ka nalowale ʻana i nā koho hoʻohemo e like me ka hoʻololi ʻana i ka hōʻaiʻē, ʻo ka deed-in-lieu o ka wānana, kahi kūʻai pōkole a kūʻai aku paha inā loaʻa iā ʻoe ke kaulike.

ʻO ke kamaʻilio ʻana me kahi loio ma mua o ka hoʻoholo ʻana i kēlā me kēia manawa ʻo ia ke koho maikaʻi.

He aha koʻu kuleana?

ʻO kekahi e hoʻopaʻi ʻia kekahi hewa lawehala kekahi kuleana i kū kānāwai. Loaʻa iā ʻoe ke kuleana e noho mālie inā nīnau ʻia. ʻAʻole pono ʻoe e ʻōlelo i kekahi mea e pili ana i kāu hihia. Inā hana ʻoe, hiki i kāu mau ʻōlelo ke hoʻohana kūʻē iā ʻoe i loko o kahi ʻaha kānāwai me ka wā o kāu hoʻokolokolo. He kuleana kou ma ke alo o kekahi loio i ka wā e nīnau nei. Inā ʻaʻole hiki iā ʻoe ke loaʻa i loio, e koho ʻia kekahi no ʻoe. Ma ka ʻōlelo pololei, ʻo ke koho ʻana i ka loio no ka mea hoʻopiʻi ʻaʻole hiki ke loaʻa he loio i ka manawa maʻamau a hiki ʻole ke hele mua o ka ʻaha hoʻokolokolo mua. Aia iā ʻoe ka kuleana e noʻonoʻo ʻia no ka ʻaelike koe wale nō i nā hihia pepehi kanaka.

Pehea wau e hoʻopaʻa ai i kahi hoʻopiʻi kūʻē i koʻu loio?

Ma ka hapa nui o nā ʻāina, ʻoi loa nā aupuni lawehala, aia kahi kuʻuna no ka hāʻawi ʻana i nā hana he nui i nā ʻano kīwila kānāwai lehulehu, nā mea kaukāolelo, a me nā mea loiloi. i kekahi 'ano o ka lawelawe' oihana loea i ka 'oihana; akā, aia kā lākou mau hana loea i ka nui o nā ʻano ʻano loea i aʻo ʻia, i ʻike ʻia he poʻe loio, kekahi o nā loio he poʻe loio i laikini e hoʻomaʻamaʻa i nā kahua. mau ʻoihana loea, no ka mea ua noʻāina kēlā me kēia lāhui ona ʻano ʻano ʻāpana o ka hoʻokaʻawale ʻana i nā hana ma waena o nā ʻano like ʻole o ke ʻano loea.

Na wai e hoʻoholo i nā hihia?

Ma kahi hihia hewa i hoʻoholo ai ʻoe inā: e hoʻokolokolo a hoʻopiʻi i ka hewa, e hoʻāhewa i ka juri a i ʻole he hālāwai hoʻokolokolo, hōʻike hoʻomau a hoʻomau paha i kou kuleana e noho kū ʻole. Ma kahi hihia kīnā e kūkā kamaʻilio kāu loio ma mua o ka hoʻoholo ʻana i kekahi hoʻoholo hoʻoholo.

Pehea inā ʻaʻole hiki iaʻu ke hiki i kahi loio?

Inā pili ʻoe i kahi hihia hewa, ma ka hapa nui paha he loio i koho ʻia iā ʻoe inā e hoʻoholo ka ʻaha i hiki ʻole iā ʻoe ke ʻaha loio. Loaʻa i kou kuleana i kekahi loio i koho ʻia e kekahi loio i loko o nā hihia kīwaho e pili ana i ka nalowale o ke kuʻikahi kūloko e like me ke ola ʻana o ka noʻonoʻo a i ʻole ka pau ʻana o nā pono loiloi makua. he lawelawe lehulehu. ʻO ke kumu o ka lawelawe loio loiloi e hoʻonui ai i ka kiʻi i ka kaulike ma o ka haʻi ʻana i nā lālā o ka lehulehu nui i nā loio i loko o ke kanaka pilikino a i ʻole i nā hui kōkua a i ʻole nā ​​mea lawelawe no ka uku helu. Ke hoʻohuli nei ka lehulehu i kēia mau lawelawe.

E hoʻoiho ʻia wau i waho o koʻu hale ma hope o ka hoʻolaha ʻana?

Inā ua kuhi ʻia kou home, a ʻaʻole ʻoe e hoʻolimalima ʻia i ka mea noho hou ma kahi o 100% manawa e haʻalele ʻoe i kou home. Ma muli o kou kūlana, e loaʻa paha nā koho iā ʻoe e noho ma kou home.

Inā he kanaka ʻoliʻoli ʻoe me ka hoʻolimalima kūpono, maʻamau ʻoe e hoʻomau ma lalo o ka hoʻolimalima me ka mea nona hou inā ʻoe e hoʻomau i ka hoʻolimalima. Akā, inā kūʻai i ka mea nona ka waiwai me ka manaʻo e hana ia i kona home.

E ʻōlelo aku i nā Keʻena Hou ma New Jersey, nā māhele o nā code a me nā kūlana. ʻĀpana Hoʻohui Manaʻo Landlord-Tenant, KĀNUI NO ANA O KA HALOHE ANA

"Hiki i ka mea ʻauhau ke waiho aku no ka hoʻokuke ʻana, inā ka mea nona ka hale me ʻekolu noho hale a i ʻole ka ʻimi ʻimi paʻa pilikino i kahi ʻāpana, a i ʻole ua ʻaelike paha e kūʻai aku i ka hale noho i kahi mea kūʻai mai e makemake pilikino ana e hoʻopili iā ia iho a me ka ʻaelike no ke kūʻai aku i nā kelepona no ka noho ʻana o ka wae i ka manawa e pani ai. E mālama ʻia ka leka hoʻomaopopo no Quit ma luna o ka Teneti ma ʻelua o ʻelua mau mahina ma mua o ka waiho ʻana i nā hihia no ka hoʻokuke ʻana. 'Aʻole e hana i kahi kānāwai kūpono a hiki i ka manawa o ka ho'ēmi ana.

No ka ʻike hou aku i kou kuleana e like me ka mea noho ma ka hale kūʻai i koho ʻia, e kāhea ana i ka poʻe loio a heluhelu paha i ka TOOLKIT NO KE ALOHA HOOPAʻI I KE KOLOHOLO HOU e ka keʻena ʻo New Jersey Public Advocates.

Hoʻomaopopo i ke kuleana o ka mea nona hou no kāu mālama palekana. Mai manaʻoʻiʻo i ka mea nona ka mea hou ke haʻi ʻo ia iā ʻoe e hoʻihoʻi hou mai ka mea nona ka mea kahiko. (E nana aku NJSA 46: 8-20 a -21).

He aha lā inā ʻo wau ka mea nona ka waiwai ma mua o Foreclosure?

Inā ʻo ʻoe ka mea nona ma mua, aia kou mau kuleana e noho ai ma ka waiwai ʻaʻole i mālama ʻē aʻe ma mua o ka mea kuleana. Ma hope o ke kūʻai lilo ʻana, aia kahi manawa 10 i kahi manawa āu e koho ai e kūʻai i ka waiwai ma ka ukuʻana i ka sheriff i ka mea i hōʻaiʻē. ʻAʻole he kālā ka hapanui o ka poʻe e hana i kēia, eia naʻe, i loko o ia manawa ka mea paʻa ʻoe ʻo ka mea nona ka waiwai a ʻae ʻia ka uku kūʻai lilo ʻana a ʻaʻole hoʻi i hoʻopuka ʻia ka hana sheriff. Eia naʻe, ma hope o ka lawe ʻia ʻana i ka hana a sheriff, hiki i ka mea nona ke hoʻololi hou i ka haʻalele ʻana iā ʻoe mai kou home mua.

Hiki iā ʻoe ke ho'āʻo i ke kālā no nā kī mai ka mea nona ka mea hou e neʻe aku i waho. ʻAʻole ʻoe e hōʻoiaʻiʻo i kekahi mea e ke kānāwai, akā naʻe i nā manawa he nui e hāʻawi ka poʻe waiwai hou i kahi hōʻailona o ke kālā a no laila ʻaʻole ʻoe e hōʻino loa i ka waiwai a manaʻo e haʻalele i kekahi lā kūpono ʻole e koi iā lākou e haʻalele iā ʻoe.

ʻO ʻoe ʻo ka mea nona ka mea ma mua he hapalua makahiki paha a ʻoi aku paha kahi e ola ai i kahi manuahi. ʻAʻole e hōʻoia ʻia kēia e holo ʻia akā ma nā manawa maʻamau, hiki i ka waihona ke kūʻai hou i ka waiwai a hoʻoneʻe ʻole no kahi Writ of Possession koke. I kēia mau kūlana, ʻaʻole lawehala nā kānaka i ka wā a kūʻai aku ke kumukūʻai i ka home me kahi REO (Bank Real Estate waiwai). ʻO ka maʻa mau ma ka hopena o ke kūʻai ʻana ma kahi kūʻai aku ʻo New Jersey Sheriff, ua hoʻokomo ʻia ka hoʻokolokolo no ka ʻāina a i ka manawa like, ua waiho ʻia kahi Mana kākau o Possession. He kanakolu lā ka Sheriff e lawelawe ai i ka Writ of Possession iā ʻoe ma ka mea nona ka mea mua.

ka ʻOiaʻiʻo Hoʻolālā Kūʻai

Ma hope o ka lawelawe ʻana o Sheriff i ka Writ of Possession iā ʻoe, hāʻawi ʻia ʻoe i iwakālua mau lā e neʻe ai. Ma ka lā iwakāluakūmākahi ma hope o ka lawelawe ʻana o ka Writ of Possession, inā ʻaʻole ʻoe i haʻalele me kou ʻohana i ka wahi, ka mea i kūʻai aku a i ʻole loio i ka mea kūʻai aku ke kelepona i ka Hale Sheriff e hoʻolālā i ka hoʻokau ʻana maoli. A laila ua hāʻawi ka Sheriff i kahi lā no ka ʻokiʻoki ʻana, ka mea maʻamau ʻoi aku ka manawa 30 mau lā mai ka lā i hoʻokomo ʻia ai ka hoʻoholo. E hoʻonohonoho ka mea nona hou i kahi locksmith i ka manawa i hoʻonohonoho ʻia e ka Sheriff no ka lockout. Aia he mau ala ʻē aʻe e lohi ai i ka lā paʻa pono maoli e ke hele i ka ʻaha, a noi aku i ka luna kānāwai no ka manawa hou.

Ua maopopo iā ʻoe ke kumu e hāʻawi ai kekahi mau mea hou iā ʻoe i ke kālā e neʻe ai.

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