ʻO nā FAQ e pili ana i ka Mokuna 13 Waiwai

He aha ka mea e hiki ai i kahi Mokuna 13?

Kahi ʻia ka waihona kālā 13 kālā e manaʻo ʻia he uku uku hōʻaiʻē ʻo ia e hiki i ka mea hōʻaiʻē ke hana i kahi hoʻolālā uku ʻoihana kālā no ka mālama ʻana i kāna hōʻaiʻē e kū nei a ʻekolu mau makahiki ʻelima. Ma kahi ka mea aie hōʻaiʻē ma ka mokuna 7 kahi hōʻalo wai e hōʻemi i ka 3 mau mahina i kahi mahina 13 he mokuna XNUMX ka mea e loaʻa ʻole ka mea hoʻopiʻi a hoʻopau ʻia kahi hana hoʻopiʻi.

Hoʻohana ka poʻe i kahi bab 13 i kahi huki kālā no:

  • E kiʻi i ka ʻaina like me nā uku hale.
  • E kiʻi i nā ʻano ʻokoʻa ʻē aʻe: ʻAkena Kahu, nā Pūnaewele Kuokoa, Kukuna a Bob, Kāwena Lī Loa loa, Kūleʻa Kūleʻa Kūʻē - ʻO ʻoe ka inoa o ke ʻano hōʻaiʻē.
  • Hoʻopau i kahi kūʻai sheriff
  • E hooki i kahi hana huna e kāu pēke
  • Hoʻopau i a Kāhea ʻo NJ Tax Lien
  • ʻAe iā ʻoe e uku i nā ʻauhau ma luna o kou home no ka manawa o 3 a 5.
  • E hooki i ka hōʻiliʻili
  • Hoʻopau i a alo hoʻokolokolo mai ka hele ʻana.
  • E kiʻi hou i kahi kaʻa hoʻi.
  • E wāwahi i ka waiwai o kahi hōʻaiʻē kaʻa ma mua o 2.5 mau makahiki a ʻoi wale nō ke kumukūʻai o ke kaʻa a he aha ka mea i hōʻaiʻē ʻia ma ka hapa haʻahaʻa haʻahaʻa haʻahaʻa.
  • E wāwahi i kahi waiwai ʻē aʻe e like me ka waiwai waiwai a i ʻole ke Medie Pūnaewele a New York City.
  • E uku i nā ʻauhau uku e uku ʻia ana a / a i ʻole ke kuleana o ke kākoʻo pilikino e like me ke alimony a me ke kākoʻo o ke keiki ma luna o ka lōʻihi o ka hoʻolālā kumukūʻai 13.
  • Hoʻokuʻu i nā hōʻaiʻē i hoʻokuʻu ʻole ʻia ma kahi Mokuna 7 panakalupa, a e hoʻoili ai i kahi mokuna 13 i ka wā ʻaʻole lākou i ʻae ʻia no ka peʻa ʻelima 7.

Nui ka hapanui o kēia mau mea me kahi mokuna 7, akā hiki i ka mokuna 13 ke kōkua iā ʻoe e mālama i ka waiwai palekana. Eia pū ka poʻe ʻaʻole agavaa no kahi mokukū ʻo 7 mokuna, hiki iā lākou ke hoʻohana i kahi mokuna 13 e uku i kā lākou mau hōʻaiʻē i hōʻoia ʻole a i nā kāleka hōʻaiʻē. No laila inā e nānā ka mea hilinaʻi e kūʻai aku i kāu waiwai ma ka pauku 7, ʻo ia ʻoe e mālama pono i kahi pahu 13.

He aha ka mea CramDown ma kahi Mokuna 13?

ʻO kahi "CramDown" ma kahi Mokuna 13 he kuleana panole e hōʻemi ana i kāu mea i hōʻaiʻē ʻia ma kahi mea i hoʻopaʻa ʻia e ka hōʻaiʻē. ʻO ka hapa nui ma waho o kou home pilikino i mālama ʻia e ka hōʻaiʻē hiki ke hoʻomālikelike ʻia inā he keu ko ka makahiki. ʻOiai e pono ke lawe ʻia ka hōʻaiʻē kaʻa ma luna o 910 mau lā ma mua o kahi he cramdown. Ma ka laweʻana i kahi cramdown ma kahi moʻomanaʻo Mokuna 13, hiki iā ʻoe ke hoʻopakele i kāu New York Taxi Medallion, kaʻa, kaʻa waiwai waiwai, a i nā waiwai ʻē aʻe i hoʻopaʻa ʻia e ka hōʻaiʻē. Hiki iā ʻoe ke kuhikuhi i ka uku, a hoʻohaʻahaʻa paha i ka uku o ka uku.

Hiki i kahi CramDown ma a Mokuna 13 mokupaʻa e mālama i kahi Pōʻikā Lapaa Nui O New York City?

Makemake wau e hoʻohana i New York City Taxi Medallions ma ke ʻano he kumu hoʻohālike no ka hāʻule ʻana o ka cram downs. He nui ka poʻe i ʻike ʻaʻole hiki iā lākou ke kākoʻo i kā lākou uku no kā lākou NYC Taxi Medallions akā naʻe me kahi mokuna 13 e hiki ai iā lākou ke mālama i ka medallion. Ua kūʻai nā kānaka he nui i luna o ka mākeke e uku aku ana ma kahi o hoʻokahi miliona mau kālā no kā lākou kolike taxi. Ano, ua nui ka poʻe e uku ana i $ 800,000 + ma ke kākāka momoli kolepa, a ʻike ʻole ʻaʻole e hoʻokaʻawale aku ʻo ia, ʻoiai e hoʻopili pū ana i kahi hoʻolālā e uku aku i ka waiwai maoli o kā Medallion Manaʻo, ʻoi aku ka maʻalahi i ka mea nāna e uku iā ia i 5 mau makahiki. ʻO ka uku kālā he $ 75,000 a i ʻole $ 100,000 me ka uku kālā ma mua o ʻelima mau makahiki he ʻoi aku ka maʻalahi ma mua o ka ukuʻana i $ 800,000. ʻOi aku ka paʻakikī ke kiʻi i ka waiwai kūkaʻi no ka mokuahi kaʻa no ka mea ke uku nei kekahi poʻe i ke kālā no nā medallion ma nā kumukūʻai haʻahaʻa.

Pehea ka lōʻihi o kahi hoʻolālā uku ʻO ka Mokuna 13?

Hiki ke uku ʻia kahi mokuna 13 ma luna o kahi manawa he ʻekolu a ʻelima paha makahiki. Hoʻokumu ʻia ka manawa uku uku i ka loaʻa kālā o ka mea hoʻoponopono. Hoʻoholo ka hapa nui o ka poʻe no ka ʻelima mau makahiki no ka mea ʻo ia ke kumukūʻai o ka mea mālama kālā he mea haʻahaʻa loa ia i ka wā, akā ʻoi aku nā uku. No ka mea inā ʻoe e uku i ka uku like me ka nui o nā uku ma kahi haʻahaʻa, ʻaʻole i nā uku nui aʻe no ka manawa pōkole.

I ka manawa hea ʻoe e hoʻohana ai i kahi hoʻolālā ʻekolu makahiki he 13?

Ina oukou he mau aie ʻaʻole e hoʻokaʻawale ʻia nā kau ma kahi Mokuna ʻehikuy, a ʻaʻohe mea pono e faila i kahi hoʻolālā uku 100%. A laila hiki iā ʻoe ke hoʻohana i ka pauku ʻumikumamākolu e hoʻokuʻu i kekahi o kēia mau aie. Ua wehewehe kēia wikiō i ka ʻokoʻa ma waena o ka Mokuna 7 a me ka mokuna 13 no nā mea he kala ʻia ka kala.

Ma hope o ka hoʻopau ʻana i ka mea hōʻaiʻē e hana i kā lākou uku no nā lā ʻekolu a i ʻelima mau makahiki e hoʻoiho ʻia e like me ka pauku ʻehiku.

He aha nā palena ʻaiʻē e faila a bab 13 panakalupa?

No laila aia kekahi mau palena kālā e faila i ka mokuna 13 a maʻamau e loli iki ka liʻiliʻi ma kēlā me kēia makahiki. I ka lā o ʻApelila 2019 nā palena palena ʻokoʻa e pono ai no ka Mokuna 13 nā: $ 419,275 no nā kālā ʻole i hōʻaiʻē ʻia ma luna o $ 394,725 i ka makahiki 2018, a me $ 1,257,850 no nā hōʻaiʻē paʻa o ka mea hōʻaiʻē e kū nei mai $ 1,184,200 mai 2018. No laila, ma ʻApelila 2020 e ʻike mākou i ʻike ʻē paha e hoʻonui hou ʻia kēia mau palena.

He aha paha inā he kiʻekiʻe loa kaʻu mau hōʻaiʻē e hoʻopaʻa i kahi mokuna 13?

Inā ʻike nui kekahi kanaka a makemake hou e hōʻaiʻē i kā lākou mau hōʻaiʻē me kahi papa uku uku hou ʻole a i ʻole i ke kūʻai ʻia ʻana o kā lākou waiwai i ka Mokuna ʻehiku, a laila pono lākou e nānā i ka hoʻopiʻi ʻana i kahi mokuna 11 he panakalupa.

Inā he mau nīnau kāu, e ʻoluʻolu e hāʻawi i kā mākou keʻena i kahi kelepona. Hiki iā ʻoe ke kamaʻilio me ka Loio NJ Foreclosure Defense a i ʻole he loio kipi ʻo New Jersey Kūʻē mākou e nīnau ai i kāu mau nīnau āu. Inā ʻoe e hopohopo nei no ka ʻae nā kala e pono ai e kala i ke kala ʻana e kamaʻilio e kamaʻilio me kahi loio. Kāhea iā mākou i 973-200-1111 e leka uila iā mākou ma [Leka uila hoomaluia].

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