ikhaya / Isahluko 13 Ukubhengezwa

Isahluko 13 sivumela umntu ofayilisha ukugcina impahla ngelixa ehlawula amatyala ngaphezulu kweminyaka emithathu kuye kwemihlanu.

Ukugcwalisa isahluko se-13 ukubhengezwa kwemali kunceda abantu bagcine impahla yabo njengekhaya labo kunye neemoto ngokwenza intlawulo ixesha elingaphezulu. Ukugcwaliswa kwesahluko se-13 ukubhengezwa kwemali kwi-NJ ivumela abantu ukuba baphinde balungelelanise amatyala abo kunye neentlawulo. Isahluko 13 sisetyenziswa ngabantu kunye nabatshatileyo kodwa hayi amashishini.

Kutheni le nto umntu othile ekwazi ukufaka iSahluko 13 endaweni ye Isahluko 7 sokutshatyalaliswa?

Isahluko 13 sikunika ithuba lokusindisa ikhaya lakho ekubonakaleni kwe-NJ. Ukuba ungasemva kwiintlawulo zakho zobambiso kwaye uyafuna thintela ukubekwa phambili Zombini iSahluko 13 kunye ne-7 ziya kumisa ukuthengiswa kwe-NJ sheriff, kodwa iSahluko 13 sikuvumela ukuba usebenze kwisicwangciso sokuhlawulela ikhaya lakho kwaye uligcine. Iintlawulo zangaphambi kwexesha ekubanjisweni kwemali mboleko yemali kunye neminye imirhumo ingasasazwa ixesha elingaphezulu kwaye isenzo sangaphambili senkundla siyamiswa. Nangona kunjalo, kunokwenzeka ukuba ibhanki yakho icele ukuba ikhaya lakho lithengiswe ukuba abavumelani nesicwangciso sakho sokuhlawula.

Isahluko 13 ukubhengezwa kwemali esetyenziswa ngabantu abafuna ukugcina iipropathi zabo bahlawula njengekhaya labo kunye neemoto. Xa unolingano olukhulu kwiiasethi ezikhuselekileyo kunokuba ungazikhusela nge zakho Ukuxolelwa okutsha kwe-New Jersey or I-Federal Bankruptcy Ukuxolelwa. Isahluko 13 ukubhengezwa kwamatyala kukuhlengahlengisa amatyala akho ngelixa iSahluko 7 sokungabinamali kukuphelisa amatyala akho. Isahluko 13 sisebenza njenge a ukuhlanganisa imali mboleko Ngaphantsi oya kwenza iintlawulo kwi-NJ esahluko se-13 trustee oya kuthi ke asasaze imali yakho kwiNtlawulo yakho ukuya kwabatyalayo. Ababolekisi bakho abayi kuvunyelwa ukuba banxibelelane ngqo naphantsi kwesahluko se-13 sokukhusela, okunokuba kubi xa ubandakanya abahlobo okanye amalungu osapho kwisicwangciso sokuhlawula amatyala akho.

Nje ukuba ufayile, kuya kufuneka wenze zonke iintlawulo zakho zobambiso olufanele ngexesha lesicwangciso se13 ngexesha. Ukuba usilela emva kwintlawulo ngelixa ubhengezwa, unokongeza iingxaki, kodwa kuya kufuneka zikwazi ukumiliselwa ukuba unokusebenza ngexesha elidlulileyo lokuhlawula.

Ukuthetha negqwetha le-NJ lokungabinamali kuya kukuvumela ukuba ufumane iingcebiso zeengcali malunga nokuba loluphi uhlobo lokubhanga olukufaneleyo.

Ngaba uvumelekile ukuba ungafayile kwiCandelo le-13 Bankruptcy e-NJ?

Nokuba uzisebenzela okanye uqhuba ishishini, ungakulungelwa ukufaka ifayile kwisahluko 13 Bankruptcy. Ngexesha lakho amatyala angakhuselekanga angaphantsi kwe- $ 383,175 kwaye amatyala akhuselweyo angaphantsi kwe- $ 1,149,525. I-11 USC § 109 (e). Ezi zixa-mali ziyahlengahlengiswa ngamathub 'athile, ke ukuba ukufutshane nelinye kula manani, siya kujonga uhlaziyo olunokwenzeka ngaphambi kokufaka iifayile.

Ukuba kwezi ntsuku zidlulileyo ze-180, unesibhengezo esikhutshiwe sokungabinamali ngenxa yokuba “usile ngabom ukuvela phambi kwenkundla” okanye “ukuthobela imiyalelo yenkundla” okanye “ugxothwe ngokuzithandela emva kokuba ababolekisi becele ukukhululeka kwinkundla yokubhanga. ipropathi babambise amatyala kuyo ”awuvunyelwe ukuba ufake ifayile. I-11 USC §§ 109 (g), 362 (de).

Uyacelwa kwakhona ukuba uthathe ikhosi yokucebisa ngetyala ubuncinci kwiintsuku ze-180 ngaphambi kokugcwalisa ukubhengezwa. Oku kunokukhutshwa kwiimeko zongxamiseko, nangona kunjalo, iklasi inokugqitywa ngokulula kwiyure okanye ezimbini.

Ukuba unemibuzo eyongezelelweyo malunga nokugcwaliswa kweSahluko 13 Ukuchithwa. Nxibelelana nathi kwi (844) 5 - DEFENSE - (844) 533-3367 okanye usithumele nge-imeyile ku [Imeyile ikhuselwe]


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