Ukugcwaliswa kwemali engxamisekileyo yokuCima ukuThengisa kungafuneki eNew Jersey naseNew York

Misa ukuThengiswa kweSherifu ngokugcwalisa uXwebhu oluNgxamisekileyo lokuBhenela kwi-New Jersey Foreclosure Defense / igqwetha lokuBhengeza abantu namhlanjeSebenzisa igqwetha ukufaka ifayile yokuNgxamiseka okutsha e-New Jersey

Ukuba ufuna ukuyeka a ukuthengiswa kwangaphambili, ukufayilisha a ukubhengezwa uxwebhu lwezikhalazo ngaphambi kokuba luthengiswe luya kubeka umiswe kwinkqubo. Kwii-Ofisi zezoMthetho zikaPatel noSoltis sinokuba nesicelo esingxamisekileyo sokugcina imali ngokungafakwanga ngosuku olunye kulo lonke ilizwe laseNew Jersey. Nje ukuba sikunike ifayile yesicelo, siya kwazisa i-ofisi ye Sheriff ngokugcwalisa ukumisa ukuthengisa. Sine-Foreclosuregqwetha ligqwetha elinolwazi ngomthetho wokubhengezwa okwaziyo ukukhusela ikhaya lakho. Asinalo nje igqwetha lokuBhanga, sinawo NJ Ukubekwa kwabasekeli boKhuselo bayayazi indlela yokusebenzisa iinkundla zikarhulumente ukukhusela ikhaya lakho. Sinikezela ngezisombululo ngaphezulu kokungabinamali.

Kutheni le nto uza kufuna ukuCofa ukuNgabinamali ngeNtlekele eNew York?

Ngamanye amaxesha awunakukhetha kwaye awunakukwazi ukulinda ukufaka ifayile yesibhengezo sokuhlawula amatyala. Ukuba umvuzo wakho uyinto yokuhombisa, ii-akhawunti zakho zebhanki ziyahlawulwa, okanye ukuthengiswa kwesherifu kucwangcisiwe kufuneka uthathe amanyathelo ngokukhawuleza ukuze ugcine iiasethi zakho. Sinokuthatha amanyathelo ngokukhawuleza ukukufumanela ukuphumla okudingayo ukuze uyeke ukuhombisa, ukumisa iiakhawunti zakho zebhanki ekubeni kutsalwe kwaye uyeke ukuthengiswa kwembonakalo yekhaya lakho.

Ngokuxhomekeke kwimeko yakho sinokukwazi ukufakela imeko kaxakeka Isahluko 7 Ukubhengezwa okanye imeko kaxakeka Isahluko 13 Ukubhengezwa. Ukuba unolingano ekhayeni lakho okanye awukwazi ukudlula Isahluko 7 sithetha uvavanyo unelungelo lokufaka kwifayile engu-13 ngokuchithwa kwezeMali okanye iSahluko 11 ukubhengezwa kwemali ukuba ityala lakho eliqinisekisiweyo okanye elingakhuselekanga lingaphaya kwemida evunyelweyo phantsi kwesahluko 13 Bankruptcy. Musa ukuchitha ixesha lakho uthetha nomntu ongengummeli ngendlela yokufaka ifayile yakho. Thetha neGqwetha laseNew Jersey lokuGxothwa kwemali ukuze uqiniseke ukuba uyawakhusela amalungelo akho.

Xa ufayile unethuba elinye lokukulungisa. Ungazibeki emngciphekweni wokuba isicelo sakho sokungabinamali sikhatywe yiNkundla yokuNgabinamali, okanye faka uhlobo oluchanekileyo lokungabinamali lokuvumela amatrasti ukuba athengise ii-aseti zakho ukuhlawula abantu obabamba ityala. Thetha negqwetha elinamava lokuhlawula amatyala eNew York okanye kwiSixeko saseNew York ukuze uhambe kuzo zonke iindlela onokukhetha kuzo ukuba ngaba ukubhutyala lilungelo lakho na kwaye ukuba yeyona ndlela ilungileyo yokuNgabinamali kuya kukhusela iimpahla zakho.

Nje ukuba sifake isicelo sokungabinamali, singazama ukunciphisa ilahleko kunye nebhanki yakho njengokuhlengahlengiswa kwemali-mboleko, endaweni yokulungisa ngaphambi kwexesha, intengiso emfutshane, okanye ukuthengiswa rhoqo kwepropathi yakho ukuze uhambe ngemali ipokotho yakho. Siya kumela izinto onomdla kuzo kwaye sisebenzele ukufezekisa iinjongo ozifunayo. Siza kukumela kuyo yonke inkqubo yokubhengeza. Siza kucacisa yonke into eyenzekayo kwaye sichaze oko kuya kwenzeka. Sikuwe onke amabanga endlela.

Siza kusebenza ukufumana iziphumo ozifunayo.

Phambi kokuba uFayile uXilongo oNgxamisekileyo woBhaliso olucelwayo kuya kufuneka ukuba uthathe iNkundla evumileyo yokuCetyiswa ngeTyala.

IGqwetha laseNew Jersey lokuGxothwa kweeFayile ezingxamisekileyoUnemfuno efanayo yokufumana ingcebiso ngetyala kwi-XSUMX yokubhanga kunye nesahluko se-7 ukubhengezwa okufunwa ngumthetho. Kukho izinto ezimbalwa ngaphandle kokuba kutheni ungavunyelwa ukuba uthathe iklasi ngaphambi kokugcwaliswa. Kuya kufuneka uthathe iklasi yokufumana ingcebiso yamatyala eyamkelwe enkundleni. Xa ungena eofisini yethu ukusayina nathi ukukunceda, siya kukuseta ukuba uthathe iklasi kwi-Intanethi okanye ngefowuni ngesiNgesi okanye ngeSpanish. Ukuba ungathanda ukuthatha iklasi ngaphambi kokuhlangana nathi, sicebisa UkuCetyiswa ngetyala okuNgxamisekileyo. Le khosi ihlala ithatha malunga neyure, kwaye sinokuphendula nayiphi na imibuzo onayo malunga neklasi okanye ukuba babuza ntoni kwimibuzo yabo ukuba uthatha ikhosi ngelixa ukwenye yeeofisi zethu. Silapha ukukunceda kulo lonke inyathelo lenkqubo yokubhengezwa.

Sinikezela ngeeNgcebiso zaSimahla zokuya kwiinketho zakho zokungabinamali. Sitsalele umnxeba namhlanje ku (844) 533-3367 Ukuthetha neGqwetha.

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