ikhaya / FAQs

Kwenzeka ntoni xa ndishiya umntu endiboleka imali ngenxa yokuphelisa kwam?

Kuxhomekeka ekubeni leliphi ixesha lokubhanga eligciniweyo kwaye ukuba unempahla. Kwisahluko se-13 ukubhengezwa kwamatyala kunye nesahluko se-7 ukubhengezwa apho kukho ii-asethi, ityala alizukukhutshwa. Oko kuthetha ukuba usaya kuba kwisipaji ukuhlawula ukubhengezwa,

Kwisahluko se-asethi se-7 sokungabinamali, ityala liya kukhutshwa kude kube lolunye uhlobo oluqhelekileyo lwamatyala axolelwe kukungabinamali njengetyala lezonyango, amakhadi okuthenga ngetyala, iimali mboleko ezenzekelayo zeemoto ezisusiweyo kunye nokunye.

Ngaba iimali mboleko zoMhla woPhumlo zihlawulwa kukungabinamali?

Ukuba ukhuphe imali mboleko yomhla wokurhola, ziya kuxolelwa ngokungabinamali. Imicimbi inokuvela yokuba ukuba imali mboleko yomhla wokuhlawulwa yathathelwa ingqalelo kwiintsuku zethu ze-90 bafuna ukubuyiswa. Nawuphi na amatyala avelayo ngaphakathi kweentsuku ze-90 zokungabinamali unokufuna ukubuyiselwa.

Ukuba ufayilisha ngenxa yokubhanga kwaye ubenezinto ezihlawulelweyo zomhla wokuhlawulelwa yendawo yemali mboleko yomhla wokuhlawula ungangena kumcimbi nenkampani yemali mboleko yomhla wokuhlawulwa usazama imali isheke lakho. Ukuba ufumanisa ukuba ukule meko, thetha no-a igqwetha lokunceda ityala ukuya ngapha kukhetho lwakho.

Ngaba ukhuseleko lwentlalo lubonwa njengemali ebhankini?

Ukhuseleko lwentlalo lubonwa njengengeniso ebhankini, kodwa ikwathathelwa ingqalelo. Ukujonga imithetho yase-US kukhuseleko lwentlalo kunye nentlawulo yokukhubazeka sijonga kwi-42 US Code Subchapter II-FEDERAL OLD-AGE, SURVIVORS, KUNYE NEZIBHENO ZOKUKHUSELEKILEYO.

phantsi Ikhowudi ye-US ye-42 § 407 ikhulula iintlawulo ezithi zijongane nentlawulo yokhuseleko loluntu kunye neentlawulo zokukhubazeka Intlawulo (i-SSDI) ekubeni ithathwe ngumbambisi othembekileyo ukuba ahlawule amatyala kwisahluko 7 sokungabinamali.

Ke ukuba ubunokufumana isambuku semali yokuhlawula ukhuseleko lwentlalo, itrasti ebambeleyo ayiyi kuvunyelwa ukuba ithathe imali kwisahluko 7 ukubhengezwa. I-SSDI iya kukhutshelwa ngaphandle kwisahluko 7 sibonisa indlela yovavanyo. Nangona kunjalo, ukuba ujonge ukwenza iintlawulo kwisahluko se-13 ukubhengezwa kwamatyala amatrasti aya kuyithathela ingqalelo ingeniso yakho yokhuseleko loluntu njengomthombo wengxowa-mali yokuxhasa ngesahluko sakho se-13.

Ukuba ufuna ukuqonda okungcono ngendlela i-SSDI enokusebenza ngayo neseti ethile yemeko yakho, thetha no-a igqwetha lokungabinamali Ukufumana umbono opheleleyo wento eza kwenzeka ukuba wena okanye iqabane lakho lifayilishe ubhengezo.

Ngaba irhafu ayihlawulwanga ekuphelisweni kwamatyala?

Unokuba nerhafu yengeniso ngaphezulu kweminyaka eyi-3 uxolelwe ukubhengezwa. Kukho imigaqo ye-3 yoku.

Ugcwalise iirhafu zakho. Ukuba ugcwalise iirhafu zakho ngo-Epreli 10, 2015, nge2014 irhafu iyakwazi ukukhutshwa ngo-Epreli 11, 2017. Ukuba ufumene ulwandiso ukuya ku-Okthobha 15, 2015 ke kuya kufuneka ulinde u-Oktobha 16, 2018.

Ukuba awuzange uzifayilishe iirhafu zakho ngexesha elifanelekileyo njengokufayilisha kwakho i-2014 yerhafu kwi2017, kuya kufuneka ulinde iminyaka eyi-2.

Ukuba ufumene ukuphononongwa kwakhona ngerhafu yakho ye-2014 kwiintsuku zokugqibela ze-240 kwinto efana nophicotho, kuya kufuneka ulinde ngaphandle kweentsuku ze-240 emva kokuba iphinde yaqwalaselwa iirhafu ukuba zingenziwanga. Ndingathi funda Isikhokelo se-IRS sokungabinamali kunye nerhafu, kodwa kufanelekile ukuba ibe kwaye ayicacanga ngokupheleleyo.

Ukuba unemibuzo, thetha no-a Igqwetha lokungabinamali. Sitsalele kwi-844-533-3367.

Yintoni inguqu yokuhlaziywa komnini-ndlu? Okanye, ndingayithengisa i-condo yam kudadewethu ngedola kwaye ndibhengeze ukungabinamali?

Ukuba uthengisa nayiphi na ipropathi komnye umntu ngokungaphantsi kweyona nto ifanelekileyo (Ixabiso elipheleleyo leNtengiso), kwaye ke uxele ukubhengezwa njengongenamali, itrasti ebambeleyo inokuyijonga njengoKhetho oluTshintshelayo kulowo ungaphakathi / kwi-FRAUD. Nd, ukubuyisa ipropathi kwindawo yokubhanga.

Yenza ngathi wena nodadewenu, umntakwenu okanye esinye isizwana sithenge i-condo kunxweme lwaseFlorida kwi2014 nge- $ 100,000. Nobabini ufake kwi $ 50,000 kwaye zombini eyakho i-50%. Ngoku yi-2018, kwaye ucinga ngokuxela ukubhengezwa njengongenamali kwaye ufuna ukukhupha i-condo kuqala. Ukuba i-condo ngoku ixabisa i-200,000 kudadewakho uya kudinga ukukuhlawula nge- $ 100,000 ngayo ukuze ithathelwe ingqalelo njengothengiso olupheleleyo. Ukuba ebekuhlawule nje ngedola enye itrasti ibiya kuyijonga njengodluliso lobuqhophololo kunye nawe uzama ukuphepha ukubhatala abakutyala.

Ngoku masithi i-condo igcwele, kwaye i-XXUMX yexabiso lomsebenzi kufuneka yenziwe. Ixabiso le-condo yangoku yi- $ 100,000, kodwa i- $ 10,000 kwinkqubela ye-inshurensi iyeza. Imali yeinshurensi inokuthi ingeniswe kwindawo yokuhlawula amatyala. Ke iqabane lakho kwipropathi alinakukwazi ukuthenga ipropathi nge $ 100,000 ngaphandle kokukudlulisela ngobuqhetseba.

Ngoku masithi i-condo ityalelwe imali kwiirowu, iye yaba yindawo yokuqhekeza, kwaye ixabisa nge $ 10,000. Ngoku kunokwenziwa impikiswano yokuba ukuyithengisa kumnini-mnikazi nge $ 1 yayiyinto elungileyo kuwe.

Ukuba unayo nayiphi na imibuzo malunga nokutshintshwa ngobuqhetseba kwii-insider okanye ISIQINISEKISO SOKUGQIBELA thetha no Igqwetha elichasayo namhlanje kwi844-533-3367.

Mna nomfazi wam sisibini esikhulileyo, esitshatileyo esidla umhlala-phantsi kunye ne5 kwimali-mboleko yemali-mboleko kwimanyano yamatyala. Imboleko-mali ezine azikhuselekanga kwaye enye ikhuselwe ngokuchasene nemoto yethu. Umbutho wamatyala uthi bazokulandela imoto yethu ngoba sibasemva kuwo onke amanqaku ngaphandle kwemoto. Ngaba banokuyenza loo nto?

Ngelishwa, iiManyano zamatyala zenza into ebizwa ngokuba ngumnqamlezo wobumbano. IFred Universal iya kuba namagama abolekwe kwimali mboleko yabo ethi, "CUkugcina ezinye iimali mboleko kwi-Union Union nako ukukhusela le mboleko. ” Oku kuthetha ukuba nangona unemali mboleko enye egcinwe kwimoto yakho i-Union Union inyanga zonke iimali mboleko zakho njengoko begcina imoto yakho.

Kuya kufuneka uthethe no Igqwetha elityala Ukujonga imeko yakho ukuze ubone ukuba yeyiphi eyona nto ibalulekileyo kuwe nakwinkosikazi yakho.

Ndisisidanga kwaye ndisisigxina kwi-HELOC yam (umda wobambiso lwetyala lasekhaya). Zeziphi iindlela endinokukhetha ukuziphepha ukuboniswa?

Ukuba usilele ngokusisigxina kwilayini yakho yekhredithi okanye kwimali mboleko engenye unokukhetha iindlela ezininzi.

  1. Yenza isivumelwano kunye nebhanki. Oku kunokuvakala kunzima, kodwa amaxesha amaninzi iibhanki zineenkqubo zokukunceda ukuba uphinde uhambe ngeenyawo emva kwengxaki yemali.
  2. Ukucamngca. Oku kuyafumaneka ngamanye amaxesha, kwaye saye sazi namashishini azakusebenza ukuthenga inqaku lakho kwibhanki yakho ukuze ke abuyele kuwe. Endaweni yokwenza intengiso emfutshane, ishishini liza kuthetha-thethana kunye neebhanki zakho malunga nokuhlawulwa okufutshane.
  3. Xela ukubhengezwa ngokungabinamali ukuthenga ixesha. Isahluko 7 kufuneka sisetyenziswe kuphela ukuba awunalo ulingano olwaneleyo ekhayeni lakho oluza kwenza ukuba icandelo lama-7 lokugcina imali lingakwazi ukuthengisa ikhaya lakho. Emva kokungabinamali, uhlala unokhetho lokuphinda uliqinisekise ityala.
  4. Ukuba ujonge ukufumana imali kwiintlawulo, ungafaka ifayile yesahluko se-13 sokungabinamali kwaye uqalise ukwenza iintlawulo kwisahluko se-13 sokungabinamali yokuhlawula amatyala ukuze ubhatale i-HELOC yakho okanye ubuyisele imali ekubambeni.
  5. Uhlala unokhetho lokuthengisa ikhaya lakho ukuba unokulingana. Ungaphuma ukhuphe imali phantsi ukuba oko kuyaqonda imeko yakho.

Thetha negqwetha loKhuseleko kwiNgcaciso kufutshane nawe ukuba uhambe kuzo zonke iinketho zakho.

Umama usweleke emva kokuba ndigqibile ukufaka imali yokuhlawula amatyala. Ngaba ilifa lakhe liyinxalenye yokubhanga kwam?

Ukuba umama wakho, utata okanye omnye umntu udlula kwaye akushiyele into ngeentsuku ze-180 zokugcwaliswa kwakho ngenxa yokuchithwa kwento leyo inokutsalwa kwilungelo lokuhlawula amatyala ukuze iTrasti ihlawule abo babambeleyo. Nangona kunjalo, usenokuba nakho ukukhulula iinxalenye zayo.

Nantoni na edlula:

  1. Ukuthathwa, ukucwangcisa, nelifa;
  2. Ngenxa yesivumelwano sokuhlawulelwa kwepropathi kunye neqabane lomtshato lowo unetyala, okanye ukungenelela okanye umthetho wokugqibela woqhawulo-mtshato; okanye
  3. Njengomzuzi womgaqo-nkqubo weinshurensi yobomi okanye isicwangciso sokuxhamla ekufeni.

Unokutsalwa kwilifa lokuhlawula imali ngokungabinamali ukuhlawula abantu obabamba ityala. Kukwanjalo nakwimali ye-inshurensi okanye indawo yokuhlala ngenxa yeengozi ezenzeka ngaphambi kokufakwa kwemali yokuhlawula amatyala.

Kukwakhona ukuba inketho ibandakanye isigatshana se-Spendthrift trust esiya kuthi sigcine iiasethi ngaphandle kwetyala lakho lokungabinamali. Ukuba unexhala lokuba abantwana bakho banokunyanzelwa ukuba benze iifayile zokungabinamali okanye ukuqhawula umtshato, ukuthembana kuyindlela enye yokukhusela iimpahla. Ukuba unemibuzo thetha no Igqwetha leTyala kunye neTrasti ukuya ngapha kukhetho lwakho.

Thetha no igqwetha lokungabinamali ukuba naziphi na kwezi zinto zenzekile kuwe, ukuya ngaphaya kwezinto onokukhetha kuzo.

Ndandihlawula imali mboleko yemoto yam ngesahluko 13 seminyaka ye-2, kwaye kwafuneka ndiguqulele kwisahluko 7. Ngaba ndingaphinda ndikhuphe ifayile ye-13?

Ewe, unokufaka ifayile yesahluko se-13 emva kwesahluko 7. Okuhlekisa kubizwa ngokuba sisiqendu "20" 13 + 7 ... Mhlawumbi ayisihlekisi kakhulu, kodwa sibonisa ukuba esi sisiqhelo esiqhelekileyo kangangokuba amagqwetha kunye namajaji ahlekisa ngawo. Ngaphantsi kwecandelo lokuchithakala kwe-13, unokukwazi ukukhonkxa ixabiso lesithuthi sakho ukuhlawula kuphela oko kufanelekileyo kwaye ungasiyo into etyalwa yona.

Nangona kunjalo, ukuba ukwimeko ekuthethwe ngayo apha ngasentla njengesahluko 13 esiguqulwe kwisahluko 7, kwaye ukuba wenza imali eninzi usenokuhlawula inzala etyalwa kwimoto yakho phantsi kwekhontrakthi yentsusa ngokungathi sisahluko se-13 akazange agcinwe egcinwe. Thetha negqwetha lokubhuqa imali ukuba liye imibuzo yakho ethile kwaye ubone ukuba "Isahluko 20 bankruptcy" ilungile kuwe.

Ngaba ndingakwazi ukufaka ifayile kwiCandelo le-7 Bankruptcy ukuba ndenze imali eninzi?

Kukho ukukhululwa kwiCandelo 7 kuthetha uvavanyo.

  1. Ukuba ubuninzi betyala lakho lihambelana neshishini, unokuthintela kwisahluko 7 kuthetha uvavanyo.
  2. Ukuba ukwimikhosi esebenzayo emkhosini, unokuthintela kwisahluko 7 kuthetha uvavanyo.
  3. Kukho iprong yesibini kwisahluko se-7 sokungabinamali yovavanyo lokuthetha. Ukuba unokwehliswa okwaneleyo kwizigaba ezifanelekileyo unokufaka nefayile kwisahluko 7 sokungabinamali.

Eyona ndlela ilula yokufumanisa ukuba uyafaneleka na ukuba uthethe negqwetha lokungabinamali. Ndiyazi kungoyikisa ukwabelana ngebali lakho, kodwa yonke imihla, inkampani yam eqinileyo inceda abantu abafana nawe ukuba bafayilishe ukubhengezwa njengongenamali.

Ngaba likhona igqwetha lokuhlawula amatyala kufutshane nam?

Sineeofisi ezisemthethweni eJersey City, eHackensack, kwiSixeko saseNew York, eBrooklyn naseFreehold, NJ yabameli bethu ukuze badibane nabathengi ngokobuqu. Nangona kunjalo, le yi-2018. Ukuba ujonge ukukhululeka kwetyala, uninzi lwezinto zokufaka ityala lokungabinamali linokujongwa ngefowuni, kwiwebhusayithi yenkampani, i-imeyile kunye / okanye ifeksi. Ngamanye amaxesha asizukudibana nabathengi kude kube yintlanganiso yokuqala yaBabolekisi kwi-Trasti yokuBamba. (Ukuba unexhala lokuya enkundleni, uninzi lwamatyala e-7 etyalomali kunye namatyala e-13 abandakanya intlanganiso enye kuphela ne-trustee ebambe imali egcina imizuzu ye-5. Zininzi nezinye izinto ezenziwa ngabameli bethu ukuqinisekisa ukuba unentlanganiso enye kuphela. Isahluko se-13 isicwangciso siza kuhlala siyiminyaka ye-3 ukuya kwi-5, kodwa kuya kufuneka udibane netrasti ngexesha elinye ngaphandle kokuba kwenzeke into eqhelekileyo.)

Xa ufuna ukukhululeka kwityala ngokugcwalisela ukubhengezwa njengongenamali yokuba negqwetha elinamava ngokuziqhelanisa nawe kufanelekile ke uya undwendwela eli gqwetha ukuze lidibane negqwetha. Indawo eqinileyo yomthetho ekufutshane nawe yenza ukuba kube lula ukuqhakamshelana negqwetha ngeengcebiso ngokundwendwela igqwetha kwiofisi yakhe. Siyabuxabisa ubumfihlo bakho. Ke, ukubonisana okokuqala simahla kungaphathwa ngomnxeba okanye unganxibelelana negqwetha nge-imeyile ngayo yonke imibuzo yakho. Ukuhlawula amatyala akusoloko kuluncedo olusemthethweni kwabathengi bethu ukulawula amatyala abo. Siyaqonda ukuba ufuna ukukhululeka kwityala lakho kwabo ubatyala imali elinokuthetha nantoni na ekuyekeni ukubhengezwa okanye ukupheliswa kwetyala lakho lekhadi letyala. Sinamagqwetha anamava eminyaka yokuziqhelanisa nomthetho wokubhengezwa ngokungabinamali ukukunikezela ngeenkonzo ezilungileyo ezinxulumene netyala lakho. Senza ntoni ukukhusela amalungelo akho, kwaye sinabameli abaninzi abaqhuba umthetho eNew Jersey naseNew York ababonelela ngeenkonzo ezahlukeneyo. Sifuna ukuqinisekisa ukuba onke amalungelo akho akhuselekile kwaye zonke iindawo iimfuno zakho ziyagubungela. Onke amalungelo agciniwe.

Indlu yam iyachazelwa kufuneka ndenze ntoni?

Nokuba ukubhekisele kwirhafu yeTyala okanye ukubhengezwa kwembonakalo yakho ekubambeni ngento yakho unamaxesha ahlukeneyo kwinkqubo yokubonisa. Zeziphi izinto onokukhetha ukuzisebenzisa zokugcina ikhaya lixhomekeke ngokupheleleyo kwimeko yakho. Thetha negqwetha namhlanje. Nokuba awucingi ukuba unokuhlawulela igqwetha, kufuneka uqonde umda wexesha elibonakalayo. Sukujongana nokuba kungenzeka ukuba ulahlekelwe likhaya lakho ekuZiveleni wedwa.

Songa amakhaya. Masikuncede ugcine eyakho.

ISIFUNDO SESIBHENGEZO SESISEKO SESIQINISEKILEYO NGESIPHATHO-XA USIKELELE MAHHALA. Yiya kuzo zonke iinketho zakho. Sebenza iqhinga lokusindisa ikhaya lakho, okanye uhlale kwikhaya lakho kangangexesha elinokwenzeka ngokomthetho. Iofisi yam iwazi kakuhle umthetho wokuCacisa, umthetho wokuBhengezwa, ukuLungiswa kweTyala, kunye noMthetho woMhlaba wabaLishumi eNew York. Ndibuze ukuba ungaligcina njani ikhaya lakho? Okanye, indlela yokuyeka ukuThengisa kweSherifu. Okanye, gxotha umqeshi ongabhataliyo. Okanye, indlela yokwenza imali kunye nepropathi yakho ngelixa ubonakalayo. Okanye, nantoni na enye ofuna ukuyazi. Ndigxile ekusindiseni amakhaya.

YENZA AMALUNGELO akho NGOKUGQIBELA - Sukunyanzelwa ngumbolekisi wakho. Lonke inyathelo olithathayo namhlanje lithetha ixesha elingakumbi endlwini yakho lokufumana isisombululo. Ukuba awuphenduli isikhalazo, ungalahlekelwa likhaya lakho ngeentsuku ze-180. Sukubakholelwa abantu abathi kuthatha iminyaka ukubonwa e-New Jersey. Ukuba uphendula isikhalazo ngendlela engalunganga, unganikezela kwezokhuselo ekufuneka uzikhulisile ukusindisa ikhaya lakho.

  • YENZA IMODI YAKHO NGOKU Ukuba ulungele, ungazinciphisa iintlawulo zakho, wehlise izinga lenzala, kwaye kwimeko enqabileyo unciphise oko ubutyala kwimali mboleko yakho yobambiso.
  • DECLARE BANKRUPTCY, kodwa KUPHELA ukuba lolona khetho lwakho lubalaseleyo. Ukuchacha kungasetyenziselwa ukunyanzela ibhanki ukuba iphonononge imali mboleko yakho ukuba ungatshintshwa nokuba ubukaliwe ukutshintsha kwemboleko ngaphambili.
  • Thengisa IKHAYA LAKHO UKUZE uhlawule imali kwiPakethe yakho okanye UKUTHENGA ISIVUMELWANO ESENZELWE LOMBULELO: Nokuba ungaphantsi kwamanzi kwaye awusayifuni ipropathi yakho, kukho iindlela zokuthintela ukuboniswa kwirekhodi lakho.
  • Sebenza nenkampani eza kuzama ukuthenga indlu yakho kwi-akhawunti yakho: Oku kunokuvakala ngathi kukudubula ixesha elide, kodwa sisebenza kunye nabatyali mali abafuna ukusebenza nawe ukuthenga indlu yakho kwaye sikunike imali mboleko yemali ngelixa bekunceda ekwakheni ityala lakho.

Nditsalele umnxeba MANJE e (844) 5-DEFENSE-844-533-3367 to go over WONKE AMAXESHA AKHO, okanye Ndithumele imeyile nge-imeyile [Imeyile ikhuselwe]. Ndizosebenza nawe ukonga ikhaya lakho.

Ndmisa njani ukuThengisa iSheriff?

Kukho iindlela ezahlukeneyo zokumisa ukuthengiswa kwesherifu eNew Jersey. Njengamalungelo, ummangalelwa unokufaka isicelo sokongezwa kweentsuku ze-28 kwisheriff. Oku kuya kuhlehlisa ukuthengisa kuphela. Kukho ezinye iimeko apho kunokwenzeka ukuba uye kumgwebi ngeshukumo esivelisayo ukumisa ukuthengisa. Umyalelo wokubonisa isizathu sisixhobo esivumela ijaji ukuba yenze isigqibo kwangalo loo mhla okanye isete umda wexesha elikhawulezileyo lokumisela umcimbi lowo. Le nkqubo inokusetyenziswa phantse kuyo yonke imicimbi engxamisekileyo.

Ukuba ucinga ukubhengezwa njengongenamali, zozibini izahluko 13 kunye nesahluko 7 ukubhengezwa kwamatyala kuya kumisa ukuthengisa. Nangona kunjalo, ukuba uye wabhengezwa ngokuchithwa kwemali ngomhla wokugqibela we-180 okanye unqatshelwe ekugcwaliseni ukubhengezwa unokuba nemicimbi efuna ukohlulwa.

Ukuthengisa eSheriff eNew Jersey kuya kubangela ukuba indlu ithengiselwe umntu wesithathu kwifandesi, okanye ibhanki iye ibe ngumnini kwifandesi. Ke ukuba ukumiswa kwentengiso akunakwenzeka, ukubhengezwa kungabakho kuphela kwendlela yokugcina ikhaya lakho.

Isahluko se-7 ukubhengezwa kwemali kuya kulibazisa inkqubo yokuthengisa. Kwaye, ukuba unolungelelwano kwikhaya lakho icandelo le-7 yetrasti inokuzama ukuyithengisa ukuze yanelise ityala onalo kubo bonke obabolekayo.

Isahluko se-13 ukubhengezwa kwamatyala kuya kukuvumela ukuba uqale ngesicwangciso sokuhlawula i-arrearage (iintlawulo ezilahlekileyo) kwimali mboleko yakho ebhankini okanye kwisebo lemali mboleko kwaye ucele ukuBolekiswa kweMali mboleko ngokungabinamali. Ukuba ukhatyiwe kudala, ukungabinakho ukukunika elinye ithuba ebhankini lokuvuma ukunciphisa ilahleko njengokutshintsha kwemboleko-mali, endaweni yetyala, intengiso emfutshane okanye ukuthengisa rhoqo ukuba unolingano.

Ukuthetha negqwetha ngaphambi kokwenza nasiphi na isigqibo ngesiqhelo kukhetho olufanelekileyo.

Ayintoni amalungelo am?

Nabani na otyholwa ngolwaphulo-mthetho unamalungelo athile asemthethweni. Unelungelo lokuhlala uthe cwaka xa ubuzwa. Akunyanzelekanga ukuba uthethe nto malunga nenyani yetyala lakho. Ukuba wenza njalo, iinkcazo zakho zingasetyenziswa ngokuchasene nawe kwinkundla yomthetho kubandakanya netyala lakho. Unelungelo lobukho begqwetha lonke ixesha unemibuzo. Ukuba awukwazi ukuhlawula igqwetha, umntu uya kuqeshwa. Ngokwenyani, ukuqeshwa kwegqwetha kommangalelwa ongakwaziyo ukuhlawula igqwetha kudla ngokwenzeka kude kube kuvela inkundla yokuqala. Unelungelo lokuqwalaselwa ngebheyile ngaphandle kwamatyala okubulala.

Ndisifaka njani isikhalazo kummeli wam?

Kwinkoliso yamazwe, ngakumbi umthetho wepalamente, kuye kwakho isiko lokunikezela ngemisebenzi emininzi yezomthetho kubabhali bezomthetho, oomabhalane, kunye nababhali. La mazwe awanalo "amagqwetha" ngokwaseMelika, nangona eli gama libhekisa kulo uhlobo olunye lomboneleli ngeenkonzo zomthetho ezisisiseko; endaweni yoko, ubugqwetha babo kwezomthetho buquka inani elikhulu leentlobo zabantu abaqeqeshelwe umthetho, abaziwa ngokuba ngabezomthetho, abanye babo bengabameli abanemvume yokuziqhuba ezinkundleni. Kunzima ukwenza uhlengahlengiso oluchanekileyo oluquka onke amazwe ubuchule obuninzi bezomthetho, kuba ilizwe ngalinye ngokwesiko lalinendlela yalo ehlukileyo yokwaba umsebenzi wezomthetho phakathi kwazo zonke iintlobo zawo zeengcali zezomthetho.

Ngubani owenza izigqibo ngamatyala am?

Kwityala lolwaphulo-mthetho uthatha isigqibo sokuba: uya ematyaleni okanye uvume ityala, unetyala lokugwetywa okanye ulingiswe enkundleni, unike ubungqina okanye ugcinwe ilungelo lakho lokuthula. Kwityala lembambano igqwetha lakho kufuneka libonisane nawe phambi kokwenza nasiphi na isigqibo sokuhlawula ityala.

Kuthekani ukuba andinakukwazi ukuhlawula igqwetha?

Ukuba ubandakanyeka kwityala lolwaphulo-mthetho, kwiimeko ezininzi unokuba negqwetha elinyuliweyo ukuba inkundla igqiba kwelokuba awukwazi ukuhlawulela igqwetha. Unokuba nelungelo lokufumana igqwetha elityunjelwe inkundla kwiimeko ezithile zasesidlangalaleni ezibandakanya ukuphulukana nenkululeko yenkululeko yoluntu njengokuzibophelela kwezempilo yengqondo okanye ukuphulukana namalungelo obuzali. inkonzo yoluntu. Injongo yokudluliselwa kwegqwetha kukonyusa ukufikelela kubulungisa ngokuthumela amalungu oluntu ngokubanzi kumagqwetha kwizenzo zangasese okanye kwimibutho yezomthetho okanye iiarhente zokwenza intlawulo. Ngokonyuka, uluntu luphambuka kwezi nkonzo.

Ndizakugxothwa endlwini yam emva kokubhengezwa?

Ukuba ikhaya lakho laxelwa kwangaphambili, kwaye awuyihlawulisi irente kumnikazi omtsha kukho ithuba eliphantse libe li-100% lokuba ekugqibeleni uya kususwa ekhayeni lakho. Kuxhomekeke kwimeko yakho, unokuba nokukhetha ukuhlala ekhayeni lakho.

Ukuba ungumqeshi ngokuqeshisa ngokuvumayo, ngokwesiqhelo uya kuba nakho ukuqhubeka phantsi kwesivumelwano kunye nomnini omtsha ukuba uyaqhubeka nokuthobela ingqesho. Nangona kunjalo, ukuba umnini uthengile lo mhlaba ngeenjongo zokuwenza ukuba ube ngowakhe.

Ukucaphula iSebe leMicimbi yezeNkcubeko eNtsha laseJersey, iCandelo leeKhowudi kunye neMigangatho. Inkonzo yoLwazi yoMnini-mhlaba IMIGAQO YOKUVALWA KWE-BULLETIN

"Umnini-ndawo unokuvumela ukuba agxothwe, ukuba umnini wesakhiwo kunye Ntathu indawo zokuhlala okanye ngaphantsi ifuna Zenzele indawo okanye unemvumelwano yokuthengisa indawo yokuhlala kumthengi onqwenela ukuyihlala ngokwayo kunye nekhontrakthi yentengiso yokuthengisa ukuba iyunithi ingasebenzi ngexesha lokuvala. Isaziso sokuyeka kufuneka sinikezwe kumqeshi okungenani kwiinyanga ezimbini ngaphambi kokufaka ifayara yokugxothwa. Akukho manyathelo athatyathwa ngokusemthethweni kude kugqitywe umsebenzi. ”

Ukufumana ulwazi oluthe kratya ngamalungelo akho njengomqeshi ohlala kwipropathi echaziweyo, fowunela igqwetha okanye ufunde ISICWANGCISO SESIQINISEKISO SOKUPHILA KWIMIQINISEKISO EZIQHUBEKILEYO yi-ofisi yeGqwetha loLuntu laseNew Jersey.

Lungisa kwakhona ukuba umnini omtsha ukwanoxanduva lokufaka idipozithi yakho. Ungakholelwa kumniniwo omtsha ukuba uthi ukubuyisele imali yakho kumnini omdala. (Bona NJSA 46: 8-20 kunye -21).

Ndingathini ukuba ndingumnini wangaphambi koKubhengezwa?

Ukuba ubungumnini wangaphambili, amalungelo akho okuhlala kwipropathi akhuselekile kakhulu kumqeshi. Emva kwentengiso yesherifu, kukho ixesha leentsuku ze-10 apho unokukhetha ukuzikhulula ngokuhlawula isherifu etyalwa ebhankini. Uninzi lwabantu alunayo imali yokwenza oku, nangona kunjalo, ngelo xesha ubuchwephesha ungumnini wepropathi de ihlawulwe yonke indleko zokuthengisa kunye neetayitile zomsebenzi. Nangona kunjalo, emva kokuba uxwebhu lweesherifu luthunyelwe, umnini omtsha unokuhamba ngokukugxotha kwikhaya lakho langaphambili.

Ungazama ukufumana imali ezinkozo kumnini omtsha ukuze uphume. Awukaqinisekiswa nganto ngokomthetho, nangona kunjalo, amaxesha amaninzi abanini abatsha baya kunika isixa semali ukuze ungonakalisi impahla kwaye uvume ukushiya ngomhla othile kuba ungabunyanzeli ukuba bakukhuphe.

Wena njengomnini wangaphambili unokuba nesiqingatha sonyaka okanye ngaphezulu kokuhlala-mahala kwiimeko ezithile. Oku akuqinisekanga ukuba kwenzeke kodwa kwiimeko ezinqabileyo, ibhanki ingasithenga kwakhona esi sibonelelo kwaye singahambi siSongelwe iPostiyo kwangoko. Kwezi meko, ngamanye amaxesha abantu abagxothwa kude kufike ibhanki ithengise ikhaya njenge thoáng (IBhanki yePropathi yeRhafu). Ngokwesiqhelo xa kugqitywa ukuthengiswa kweNew York Sheriff, ukuthengiswa kwempahla kungenwa ngexesha elinye, kukhutshwe iSibhalo. Unothimba ke uneentsuku ezingama-30 zokunikezela incwadi ebhaliweyo kuwe njengomnini wangaphambili.

The Eyona Umhla wokukhutshwa

Emva kokuba uSheriff esebenze ukuba ubhale ubuNgcwaba kuwe, unikwa iintsuku ezingamashumi amabini zokuhamba. Ngomhla wamashumi amabini ananye emva kwenkonzo ebhaliweyo, ukuba wena nosapho lwakho aniphumanga kulaa ndawo, umthengi okanye igqwetha lomthengi libiza iOfisi yeSheriff ukuba ilungiselele okona kukhutshwa. I-Sheriff iya kuthi emva koko inike umhla wokugxothwa, oqhele ukuba kungabi ngaphambi kweentsuku ze-30 ukusukela kumhla wokungeniswa kwesigwebo. Umnini ndawo omtsha uya kucwangcisa isiciko sokutshixa ngexesha elisetwa nguSheriff ngenxa yokutshixa. Kukho ezinye iindlela zokucothisa owona mhla wokuvalwa kwakho ngokuya enkundleni kwaye ucele ijaji ukuba longeze ixesha.

Ngoku uyaqonda ukuba kutheni abanye abanini abatsha benikezela ngemali yokuhambisa.

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