IziBonelelo kunye neMibango enokubakho yokuNgabinamali ngelixa ibonakaliswa eNew Jersey echazwe yi-NJ onelayisensi yokuBhangisa / iNkundla yokuKhuselwa engafunekiyo

Ngaphambi kokuba ufayilishe ukubhengezwa njengongenamali ngokubonisana negqwetha le-NS Bankruptcy. Kwi-Ofisi yoMthetho kaPatel noSoltis sinikezela ngothetha-thethwano wasimahla kuye nabani na ojonga ukubhengezwa njengongenamali. Nokuba usayina nathi okanye akunjalo, siya kugqogqa zonke iinketho zakho kwaye uphendule nayiphi na imibuzo onayo. Ukuba ucinga ngokugcwalisela ukubhengezwa njengongenamali, kungakuhle ukuba ukwindawo yozinzo yemali esingafuni kwenza kubi, endaweni yoko uyakuqonda ukubaluleka kokuthatha isigqibo malunga nokubhengezwa kunokuhlawula udliwanondlebe.

Ukuba ujongene nokubhengezwa kwaye ujonge ukubhengezwa njengongenamali, kuya kufuneka uqonde ukuba ukubhengezwa kungakunceda njani, kunye nemingxuma enokubakho ongajongana nayo xa ukungabinamali kuphethwe ngendlela engafanelekanga. Ukuba wenza imali eninzi, unetyala elininzi iindlela onokukhetha kuzo zinokuphelela kuhlobo lokubhanga okugcwalisayo.

Umzekelo, ukuba unolungelelwano kwipropathi yakho, kwaye wakhetha ukufaka ifayile yokuchithwa kwesahluko se-7 ikhaya lakho lingathengiswa liCandelo leTrasti yokuNgabinamali yokuhlawula amatyala ukuze uhlawule amatyala akho angakhuselekanga. Nangona kunjalo, ukuba awunalo naluphi na ulingano okanye ulunge kakhulu, itrasti ebambeleyo inokukhetha ukuyishiya ipropathi yakho kwaye ingakwenzi ukuba uthengise ipropathi. Ke, abantu abaphantsi kwamanzi kumakhaya abo kwaye bahlangane ne-7 Means Test banokufaka ifayile kwi-7 yokuchithwa kwemali ngaphambi kokuba kuthengiswe i-sheriff kwaye ukuthengiswa kuya kumiswa kude kube kugqityiwe ukubhalwa okanye ukuhlala ngokuzenzekelayo.
Nokuba umnini-khaya unikezela ngepropathi yakhe kwiSahluko 7 ibhanki iya kudinga ukuyigqiba inkqubo yokubonakalisa ukuthatha ubunini bayo, ngaphandle kokuba umnini mzi uyavuma ukuhamba. Kwiimeko ezininzi, umnini mzi unokuhlawulwa yibhanki ukuba ahambe. Sithethathethwano lokuhlawula ngaphezulu kwe- $ 10,000 ngamathuba athile okuba abantu banikezele ngamakhaya abo.

Abanini bamakhaya abaninzi abakhetha ukufaka ifayile yeSahluko 7 bafumanisa ukuba nangona bangaphulukana namakhaya abo, basenakho ukuhlala ezindlini zabo iminyaka eliqela ngaphandle kokuba bahlawule. Kuxhomekeka kwilali eseNew Jersey ukuthengiswa kwesherifu kokugqibela kunokukhutshwa. Umzekelo, eBergen County, kukho ukuthengiswa kwesherifu okucwangcisiweyo ngaphezulu kweenyanga ze-10 ukusuka ngexesha lokutyikitywa komgwebo.
Nokuba emva kwentengiso yesherifu xa ibhanki igcina ipropathi njengoko kungekho mntu uyithengayo kwintengiso yesherifu. Emva koko ipropathi iba yipropathi yebhanki ye-REO kwaye ekugqibeleni iya kuthengisela umthengi. Le nkqubo inokuthatha ixesha elide, kwaye nokuba kukho umnini omtsha, umniniyo kuya kufuneka athethathethane nomnini wangaphambili ukuba ashiye kwishedyuli, angabhatala umniniyo wangaphambili ukuba ahambe, okanye enze ifayile yokugxothwa ngeloxesha abanini zangaphambili bangazikhusela enkundleni ezinokulolonga ixesha elithathayo lokuba bashiye amakhaya abo. Ngamanye amaxesha abanini bangaphambili baba ngabaqeshi abatsha bekhaya.
Nangona kunjalo, ukuba abantu abafanayo abanini-khaya basekhaya banika ifayile yokubhanga kweSahluko 13 endaweni yeSahluko 7 baya kuba nako ukuyeka ukubhengezwa bazame ukwenza isicwangciso sokuhlawula ngebhanki. Nokuba ibhanki ibiphikile umnini-khaya ngaphambili ukuba ilungiswe, kukho amathuba okuba ikwazi ukusondela ekunciphiseni ilahleko ngebhanki kwaye iphume nomthwalo olungelelanisiweyo kwaye akukho mfuneko yokugqibezela ukubhengezwa.
Ngamanye amaxesha, nokuba unciphiso ekulahlekelweni luvunyiwe, kunokuba luncedo kulowo mntu ukuhlala ebhankini kwaye ityala lakhe lingakhuselekanga. Ukukhutshwa ekuphelisweni kwemali yokuhlawulwa kwemali ukuba abananto yakwenza nokulingana kwikhaya labo. Yiyo loo nto kuyingenelo ukuthetha negqwetha eliwuqondayo umthetho wokubhengezwa njengongenamali, kunye nomthetho wokuzikhusela kusengaphambili nendlela abahlangana ngayo bobabini.
Kwezinye iimeko, kunokuba kubhetele ukuba umnini-khaya azithethelele enkundleni ukuze alonge ixesha eliza kuthatha ukubonwa kwekhaya kwangaphambili. Ukuba umnini khaya ujongene nokubekwa ecaleni kwaye ukhetha ukwenza nantoni na banokujongana nentengiso ye-sheriff malunga neentsuku ze-180 ukuba igqwetha elichazayo lenze yonke into elindeleke ukuba liyenze ngendlela yexesha elifanelekileyo. Umzekelo, ukuba ibhanki yakho iqesha umzi-mveliso onjengeMCCABE, WEISBERG kunye neCONWAY, i-PC unokujongana nokuxelwa kwangaphambili ngokukhawuleza okukhulu kunokuba unokukholelwa. Xa abantu besicela ukuba sibeke ecaleni kwipropathi, sibaxelele ukuba bahambe ne-MCCABE, WEISBERG kunye neCONWAY, i-PC kuba asizibekeli ecaleni ebantwini, kwaye zezona zinto zilungileyo zomthetho esizibonileyo ngokubetha yonke imigca yexesha ukuze zibhengezwe. ngamaphepha alungiselelwe ngokuchanekileyo. Ungakholelwa ukuba kukho umntu okuxelela ukuba konke ukubonwa kwangaphambili kuthatha iminyaka ukugcwalisa. Ayinyani le.
Ukuba ujongene nokubekwa ecaleni kwirhafu endaweni yokubonakaliswa kwetyala lakho ixesha lokuphendula ngokukhawuleza, kwaye ukuba ubuxhaswe ngokufanelekileyo ungalahlekelwa likhaya lakho ngemini ijaji esayina iodolo egameni lomntu onetyala isatifikethi.

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