Pehea ka Kāleka?

ʻO ka loiloi kahi hana kūpono e hiki ai i nā mea a me nā ʻoihana ke loaʻa ke kūʻokoʻa mai kā lākou mau hōʻaiʻē, ʻoiai ʻo ka hāʻawi ʻana i kā lākou mea ʻai kālā i manawa e uku ai. Kūʻē wale ka hoʻopaʻi ʻana inā inā aia nā waiwai e hiki ke kahele. ʻAʻole kēia ke kēnā inā ʻoe i faila no ka panakalupa e haʻalele ʻoe i nā mea a pau āu e loaʻa ai. ʻAʻole hoʻi he ʻōlelo, ua kala ʻia kēlā me kēlā me kēia ʻano hōʻaiʻē.

ʻO ka peʻe he pūʻulu hui paʻakikī e pili ana i ka mokuʻāina (ʻo ia hoʻi, NJ a NY paha) i hoʻopiʻi ʻia ai ka panakalupa kālā, nā waiwai a me nā loaʻa kālā o ka mea hōʻaiʻē, ke ʻano o nā aie, a me ka mea a ka mea hōʻaiʻē e hoʻōla ai i ka wā e hoʻopiʻi ai mo ka panakō.

Hāʻawi ke kālā ke kālā iā ʻoe e like me kahi hoʻomaka hou a i ʻole e hoʻokau iā ʻoe e piʻi ai ma kahi home a i ʻole ka hōʻaiʻe kālā paha āu i hāʻule ai ma hope, a i ʻole e piʻi paha i kāu mau ʻauhau.

He aha nā ʻano o nā panakō pilikino?

Aia nā ʻano like ʻole o ka panakalupa, i ʻōlelo pinepine ʻia e kā lākou mokuna ma loko o ka US Bankruptcy Code. ʻO nā pahuhō pilikino kahi mahele 7, 11, a 13 paha

Hoʻokele ʻia ka lawelawe kālā i loko o nā ʻaha Federal, a ua hōʻike ʻia nā lula i ka US Bankruptcy Code a ua pākia kēia mau rula e nā kānāwai mokuʻāina kahi i hoʻopiʻi ʻia ai ka panakalupa, a me nā manaʻo kānāwai o ka ʻaha ʻāhewa a hoʻopiʻi a me nā ʻahaʻōlelo i loko o ko lākou apana.

Kāleka ʻo ka j japo hou ʻo 7 i kahi loio me ka loio i uku ʻia ma ka $ 2500 e faila me kā mākou pili

E hoʻokele i kahi kūlanakauhale ʻo Jersey, NJ Bankruptcy i nā pilikia o kāu hōʻaiʻē a hana pū me ʻoe E hoʻoponopono i kāu hōʻaiʻē.

ʻO ka pono e hoʻolaha i ka panakalupa aia i ke Kumukānāwai o United States. Nui nā poʻe kaulana a me nā kūleʻa i hoʻohana i ka panakalupa e hoʻomaka hou ai. No ka laʻana, i ka makahiki 1996, ua hoʻopiʻi ʻo Burt Reynolds no ka Mokuna 11 ʻO ka hoʻopale moku ma hope o kahi huakaʻi ʻaina kahi i ʻole, a ʻo ke kaʻina kūʻai kūʻai ʻia mai iā Loni Anderson e waiho nei iā ia i nā hōʻaiʻē hōʻaiʻē ʻo ia ka hopena kūpono loa nona. Ua nalo aku ʻo Kim Singer i kahi hihia hoʻopiʻi a koho ʻo ia e waihona i ka panakalupa e pale ai i ka uku ʻana. Ua koho ʻo Larry King e hoʻolaha i ka hoʻopunipuni ma hope o ka loaʻa ʻana o ka waihona kālā ma mua o $ 350,000. Ua haʻi aku ʻo Mark Twain i kahi panakupa ma hope o nā hana ʻoi kino ʻole. ʻOiai ʻo Pelekikena Ulysses S. Grant i haʻi aku i ka panakō ma hope o ke kaomi ʻana o kekahi ʻoihana i ke kālā mai kahi mākaʻo Wall Street āna i hoʻopili ai. ʻO nā ʻoihana like ʻole, mare, kauka maʻi lapaʻau, ma ka pau ʻana o ka hoʻopaʻapaʻa a pau nā mea āpau i manaʻo ʻole ʻia e nā mea a pau e hana ʻia. ʻO ka lilo kālā paha ʻo ia ka manawa hope loa e mālama ai i kou home.

Palapala Qualify

Palapala Qualify

No ke aha lā ʻoe e noʻonoʻo ai e pili ana i ka panakalō?
E koho i nā mea āpau e pili ai
Nā ʻokoʻa like nā ʻokoʻa āpau e lawe ʻia ʻana e nā Mokuna 7, 11 a i ʻole bankruptcylā 13.
Ua hāʻawi paha ʻoe no ka panakima i hala? *
Inā hoʻouna pinepine ʻoe i kahi kālā i kekahi ʻohana a i ʻole e hāʻawi i ke kākoʻo no ka alimony a i ke kākoʻo ʻana paha i ka keiki hiki ke maʻalahi iā ʻoe ke kuleana kūpono i ka peʻe.
Ina oe i mare male a noho pu kau wahine me oe, ua hookomoia kou mau hoa wahine i ka panakō e hoʻoholo ai inā kūpono ʻoe no kahi Mokuna 7 a i ʻole ʻoe e hoʻoholo i kahi papa uku ma lalo o kahi Mākupu 13, ʻoiai ʻo kāu wahine nā AUAIA ʻole. faila me oe.
ʻAʻole kūpaʻa ka bankruptcy i nā mākeke āpau a lawe ʻia ma mua o kahi ʻaoʻao pūnaewele ʻokoʻa e hāʻawi ai i nā ʻōlelo aʻoi kānāwai.
pono
pono

Kāhea aku i kahi loio Bankruptcy i New Jersey e hiki ke hoʻoili i kāu bab 13 a me ka mokuna 7 o ka panakalupa i kēlā lā.

Inā ʻoe e koho e haʻi i ka panakalupa, ʻo ʻoe ʻo ia i ka ʻoihana maikaʻi. E kāhea iā mākou ma (844) 5 - DEFENSE - (201) 285-2839 a leka uila paha iā mākou ma [Leka uila hoomaluia]

E nānā i kēia pou inā e noʻonoʻo nei ʻoe i nā kumukūʻai panakaliki.

Pono ʻoe e faila i kahi Palapala Hoʻo Oihope Waiwai?

E hoʻokele ʻia ka Kālepa Aupuni ʻo New Jersey e ke kānāwai ʻelua a New Jersey Law a me ke kānāwai Federal

ʻO ka panakalupa, e komo pū ana me ka panakalupaʻo New Jersey a ʻo New York Bankruptcy, he kaʻina hana hoʻokolokolo kūleʻa i hoʻolālā ʻia e kōkua i nā mea kūʻai aku a me nā ʻoihana e hoʻopau a uku paha i kā lākou mau aie ma lalo o ka pale o ka ʻaha mokuā. ʻO ke kānāwai pekelala i ka inoa 11 o ke Aupuni Hui PūʻIa e hoʻomalu ai i ka make mau ʻo New Jersey a me nā panakalupa ʻē aʻe. Aia kēlā me kēia moku'āina i kona mau ʻāpana ʻē aʻe, no laila aia ma muli o ka mea āu e noʻonoʻo nei i ka panakalupaʻa, ʻokoʻa nā ʻokoʻa ʻē aʻe iā ʻoe.

ʻO ka Bankruptcylā i wehewehe pinepine ʻia e like me ke kōmaʻa ʻana a i ʻole hoʻoponopono hou ʻana. ʻO nā mea hoʻohana maʻamau ʻelua ʻelua ma ka hoʻopiʻi kūloko no kā mākou mea kūʻai aku ma ka Mokuna 7 a 13.

Pehea e hiki ai i kahi New Jersey MOKUNA 7 Kaulana ʻoi kōkua iāʻoe?

Hiki paha iā ʻoe ke mālama i kou home a me kou kaʻa ke hoʻohana ʻoe i kā mākou loio i kālai kalepa ma New Jersey. Ma waho aʻe o ka hoʻopau ʻana i kāu hōʻaiʻē, ʻo ʻoe nō, ma lalo o nā kūlana, e mālama i kou home, kāu kaʻa a me kāu mea ponoʻī pilikino. Hāʻawi kēia iā ʻoe e hoʻopau i kāu hōʻaiʻē a loaʻa kahi hou.

Kahi i ka Hared Creditor

Ke hea mai nei nā mea hōʻaiʻē iā ʻoe ma ka home a ma ka hana? Ua kamaʻilio lākou i kāu mau hoaaloha a me nā ʻohana? Hoʻopau i kāu mea hoʻoweliweli kāu mea i hoʻolaha ai ma ka haʻi ʻana i kā mākou loio i New Jersey. Ke hoʻokipa nei ʻoe i kā mākou keʻena, hiki iā ʻoe ke kuhikuhi mai i kāu mea hōʻaiʻē iā mākou. E hooki koke ka hoʻonāukiuki ʻana. Ma lalo o kekahi mau kūlana, hiki i kēia kīʻaha hōʻino ke hihia i ke Kino ʻAno Hoʻolaha Kūʻai Kūʻē Nui (FDCPA), a he kumu paha ka hana hou aʻe.

E ho'ōki i ka hui lima

Ke ʻike nei ʻoe i kēia wā i ka hōʻiliʻili o kāu uku? Ua haʻi ʻia paha e hoʻomaka koke ka hōʻiliʻili ʻana i kāu uku? ʻO ka Mokuna 7 hapa kalepa ʻo ia kekahi o nā hana e hoʻokō pono ai e pani i ka hoʻonaninani. Ma ka hoʻokaʻaʻike ʻana i kā mākou loio kūleʻa i New Jersey, hiki iā mākou ke ho'ōki i ka hōʻiliʻili ʻana, no laila hiki ke hāʻawi ʻia kou kālā i lilo.

Hoʻopau ʻokoʻa

ʻO nā hōʻaiʻē e like me nā kāleka hōʻaiʻē, nā hōʻaiʻē uku, nā bilela, nā kānāwai, ka uku hoʻopiʻi, ka hoʻihoʻi ʻana, a me nā hemahema hoʻopuka paha hiki ke hoʻopau ʻia loa ʻole me ka uku ʻole ʻana i kāu mea hōʻaiʻē.

Kāohi i nā pono kīwīwī

Ke hopohopo nei e pili ana i ka paʻa o ka utility? ʻO ka hoʻopiha ʻana i kahi Mokuna 13 XNUMX hiki ke hoʻopau i ka mea hōʻaiʻē i ka pani ʻana i kāu lawelawe lawelawe. Kāhea aku i kā mākou loio loiloi ma New Jersey i kēia lā e pale i ka pani ʻana i ka ʻaha hana ʻana ma mua o ka hopena. Aia iā mākou ʻekolu keʻena ma New Jersey e lawelawe maikaʻi iā ʻoe.

Pehea e kōkua ai ka Kālepa Kānāwai 13 i kahi kōkua kālā iā ʻoe?

Kahi i kahi Wānana New Jersey a hooki aku i ke kuai ʻana ma Sheriff i New Jersey

ʻO kou home i kēia manawa ma ka foreclosure a i loaʻa paha iā ʻoe kahi leka no ke kūʻai aku o ka sheriff e kū nei? Uila a MOKUNA 13 pani kālā e hooki aku i ka kūʻai aku mua a i ʻole ke kūʻai aku a sheriff i kēlā me kēia manawa ma mua o ke kūʻai ʻana o ka hale. Mālama ka Mokuna 13 i hāʻawi iā ʻoe e uku i kāu hōʻaiʻē kuikahi ma o ka panakō kūlā i kāu ʻoihana mokulele.

Kahi i ka Hared Creditor

Ke hea mai nei nā mea hōʻaiʻē iā ʻoe ma ka home a ma ka hana? Ua kamaʻilio lākou i kāu mau hoaaloha a me nā ʻohana? Hoʻopau i kāu mea hoʻoweliweli kāu mea i hoʻolaha ai ma ka haʻi ʻana i kā mākou loio i New Jersey. Ke hoʻokipa nei ʻoe i kā mākou keʻena, hiki iā ʻoe ke kuhikuhi mai i kāu mea hōʻaiʻē iā mākou. E hooki koke ka hoʻonāukiuki ʻana. Ma lalo o kekahi mau kūlana, hiki i ka hoʻopiʻi ʻana i nā mea hōʻeuʻeu ke hoʻopiʻi paha i ke kānāwai o ka ʻokiʻoki hoʻāʻo ʻana ma FDCPA (FDCPA), a he kumu paha ka hana hou aʻe.

Hoʻopau i ka hoʻohemo

Aia ʻoe ma hope o kāu uku kaʻa? Ke makaʻu paha ʻoe ma kahi kokoke i kāu kaʻa kaʻa? Hiki i kahi paukū 13 ke kōkua kālā e hoʻopakele i kāu kaʻa a kāpae i ka ʻoihana kālā mai ka neʻe ʻana i mua me ka repossession. E kāhea i kā mākou loio panuku ma New Jersey i kēia lā. Hiki iā mākou ke kōkua iā ʻoe e hoʻohui i kāu uku uku ma mua e like me ke kaupaona ʻana ma kāu hōʻaiʻē kaʻa kaua i kahi waihona 13 kālā. E hoʻolilo ʻoe i kekahi i ka uku i ka mea mālama a ʻaʻole hiki i ka ʻoihana kālā ke neʻe i mua me ka hōʻaiho ʻana. Ma lalo o kekahi mau kūlana, hiki i kā mākou loio panikala ma New Jersey ke hōʻola hou i kāu kaʻa ma hope o ka hoʻokuʻi ʻana a hoʻohui i ke kaulike o kāu hōʻaiʻē kaʻa.

Ke hana nei ka hana ʻana i nā mea hana pono ma lalo o ka Mokuna 13 a me ka Mokuna 7

Ke hopohopo nei e pili ana i ka paʻa o ka utility? ʻO ka hoʻopiha ʻana i kahi Mokuna 13 XNUMX hiki ke hoʻopau i ka mea hōʻaiʻē i ka pani ʻana i kāu lawelawe lawelawe. Kāhea aku i kā mākou loio loiloi ma New Jersey i kēia lā e pale i ka pani ʻana i ka ʻaha hana ʻana ma mua o ka hopena. Aia iā mākou ʻekolu keʻena ma New Jersey e lawelawe maikaʻi iā ʻoe.

ʻO ka wehe ʻana iā Debt e hana ma lalo o nā Mokuna 7 a me 13, akā aia nā ʻokoʻa.

ʻO nā hōʻaiʻē e like me nā kāleka hōʻaiʻē, nā uku hōʻaiʻē, nā uku mālama lāʻau, nā maʻa, nā utility utility, repossessions a foreclosure deficiencies hiki ke hoʻopau ʻia no kahi hapa o kāu mea i hōʻaiʻē ʻia.

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