I-FAQ malunga neSahluko 13 Ukuchithwa kwemali

Yintoni enokwenziwa kukungasebenzi kakuhle kweSahluko 13?

Isahluko se-13 sokungabinamali sithathwa njengento ebhatalwa ngumvuzo obhatala umrholo ukuze umntu onetyala akwazi ukwenza isicwangciso sokuhlawula ityala lakhe elithatha iminyaka emithathu ukuya kwemihlanu. Ngelixa umntu onetyala kwisahluko se-7 engabinamali yokufumana ukubhengezwa uya kukhululwa kwisithuba esimalunga neenyanga ezintathu isahluko se-3 umntu onetyala akazukufumana ukukhutshwa de kube kugqitywe isicwangciso sokuhlawula okanye ukunikezelwa kobunzima.

Abantu basebenzisa isahluko 13 ukubhengeza

  • Banjwa kwiintlawulo zabo ezifana nekhaya.
  • Fumana ezinye iintlobo zemali mboleko ekhuselekileyo: Imboleko yemoto, iimali mboleko zoMntu, Ifenitshala kaBob, Eyona nto uyithengayo, iTaxi medallions- Uchaza uhlobo lwemali mboleko.
  • Misa ukuthengiswa kwesherifu
  • Misa isenzo sokungabonakali kwibhanki yakho
  • Misa a NJ Ukuchazwa kwetyala letyala
  • Vumela ukuba ubuyise irhafu kwikhaya lakho ngaphezulu kweminyaka emi-3 ukuya kwemi-5.
  • Misa umhombiso
  • Misa a Ityala elivela kwinkundla.
  • Fumana imoto ebuyiselweyo.
  • Cram phantsi ixabiso lemali mboleko yemoto engaphezulu kweminyaka emi-2.5 ukuze ixabiso lemoto lihlawulwe kwaye ngoku into etyalwa ngokwesiqhelo kwixabiso lenzala.
  • Cram phantsi enye ipropathi ekhuselekileyo njengepropathi yokutyala okanye iMall York City yeTeksi.
  • Hlawula irhafu yengeniso edlulileyo kunye / okanye uxanduva lwenkxaso yekhaya njenge-alimony kunye nenkxaso yomntwana ngaphezu kobude besicwangciso sokuhlawula seSahluko 13.
  • Ukulahla ityala elingakhutshwa kwiSahluko sesi-7 ukubhengezwa njengongenamali, okanye ufayile kwisahluko se-13 xa bengakulungelanga ukufundwa kwisahluko 7.

Uninzi lwezi zinto zenzeka kunye nesahluko sesi-7, kodwa isahluko 13 sinokukunceda ugcine impahla ekhuselekileyo. Kwaye xa abantu bengavumi ulungele ukubhengezwa njengongenamali, banokusebenzisa isahluko 13 ukuhlawula iimali mboleko zabo ezingakhuselekanga okanye amakhadi etyala. Ukuze ukuba i-trustee ijonge ukuthengisa ipropathi yakho kwisahluko sesi-7, uya kuba nakho ukuyigcina kwisahluko 13 sokubhanga.

Yintoni i-CramDown kwiSahluko 13 sokungabinamali?

"I-CramDown" kwiSahluko 13 sokungabinamali kunciphisa into onayo kwinto egcinwe kwimali mboleko. Uninzi lwezinto ezingaphandle kwendawo yakho yokuhlala ekhuselwe yimali mboleko ziyakwazi ukucinezeleka ukuba imali mboleko ingaphezulu konyaka. Ngelixa imali-mboleko yemoto kufuneka ikhutshelwe ngaphezulu kweentsuku ezili-910 ngaphambi kokuba ifunyanwe imeko. Ngokusebenzisa amathuba oxinzelelo kubhengezo lweSahluko 13, unokukwazi ukugcina i-New York Taxi Medallion yakho, imoto, ukutyala izindlu nomhlaba, okanye enye impahla ekhuselekwe yimali mboleko. Ungatwabulula iintlawulo, kwaye unokwehlisa izinga lenzala.

Ngaba i-CramDown kwi Isahluko se-13 sokuchithwa kwemali yonga i-New York City Taxi Medallion?

Ndiyathanda ukusebenzisa i-New York City Taxi Medallions njengomzekelo wokubekwa phantsi kweekram. Abantu abaninzi bazifumana bengakwazi ukuxhasa iintlawulo zabo ze-NYC Taxi Medallions nangona kunjalo benesahluko se-13 banokubanakho ukugcina imedallion. Abantu abaninzi bathenga kwindawo ephezulu yentengiso bahlawula ngaphezulu kwesigidi seedola ngeedallions zabo zeeteksi. Ngoku abantu abaninzi banamatyala ama- $ 800,000 + kwimali mboleko yeeteksi, kwaye abayiboni indlela yokuhlawula, nangona kunjalo ukubeka isicwangciso sokuhlawula elona xabiso leTax Medallion kulula kakhulu ukuba umntu alihlawule kwisithuba seminyaka emihlanu. Ukuhlawula i- $ 5 okanye i- $ 75,000 ngenzala engaphezu kweminyaka emihlanu kulula kakhulu kunokuhlawula i- $ 100,000. Kunzima ukufumana ixabiso elichanekileyo leedallion yeteksi njengoko abanye abantu behlawula imali ezinkozo ngexabiso eliphantsi kakhulu.

Ngaba isicwangciso sokuhlawula isahluko 13 sihlala ixesha elingakanani?

Isahluko 13 sinokuhlawulwa kwisithuba seminyaka emithathu okanye emihlanu. Ixesha lokubuyisa lisekwe kwingeniso yefayile. Uninzi lwabantu lukhetha ixesha eliyiminyaka emihlanu kuba oko kuthetha ukuba iintlawulo zetrasti yokuhlawula amatyala iya kuba ngaphantsi kwexesha, kodwa zininzi iintlawulo. Kuba xa kufuneka uhlawule isixa esilinganayo sibuyise iintlawulo ezingaphezulu ngesixa esincinci endaweni yeentlawulo ezinkulu kwixesha elifutshane.

Ungasisebenzisa nini isicwangciso seminyaka emithathu sesahluko 13?

Ukuba unayo Amatyala angazukukhupha kwisahluko sesixhenxe sokuchithwa kwemaliy, kwaye awudingi ukufaka ifayile yesicwangciso sokuhlawula i-100%. Emva koko unokusebenzisa Isahluko seshumi elinanye ukuze amanye ala matyala alahlwe. Le vidiyo iyacacisa Umahluko phakathi kwesahluko sesi-7 nesahluko se-13 sokuhlawulelwa kwamatyala.

Emva kokuba umntu enamatyala egqibile ukwenza iintlawulo kangangesithuba seminyaka emithathu ukuya kwemihlanu, onke amatyala angahlawulwanga akhutshwa kwisahluko sesixhenxe sokungabinamali.

Yeyiphi imida yamatyala yokufakela a Isahluko 13 ukubhengezwa?

Ke kukho imida yetyala onokuyifaka kwisahluko 13 kwaye ezi zihlala zitshintsha kancinci minyaka le. Ukusukela ngo-Epreli ka-2019 imida yamatyala ehlengahlengisiweyo ukuze ulungele iSahluko se-13 zezi: $ 419,275 kwityala elingakhuselwanga elinyuka ukusuka ku- $ 394,725 ngo-2018, kunye ne- $ 1,257,850 yamatyala akhuselekileyo alityala ukusuka kwi- $ 1,184,200 ukusukela ngo-2018. mhlawumbi ukubona le mida inyuka kwakhona.

Kuthekani ukuba amatyala am aphezulu kakhulu ukuba angafaka isahluko 13?

Xa umntu enamatyala amaninzi kwaye efuna ukuwahlawula amatyala abo ngesicwangciso sokuhlawula imali okanye anqande ukuba iimpahla zabo zithengiswe kwiSahluko sesixhenxe, kuya kufuneka bajonge ukufaka iifayile kwisahluko se-11 sokungabinamali.

Ukuba unayo nayiphi na imibuzo, zive ukhululekile ukuba unike umnxeba iofisi yethu. Ungathetha no NJ Ukuchazwa kwegqwetha okanye igqwetha laseNew Jersey lokuTyholwa siyokudlula nayiphi na imibuzo onayo. Ukuba unexhala lokuba ngawaphi amatyala ekufuneka uwaxolele sicela uthethe negqwetha. Sitsalele umnxeba ku 973-200-1111 okanye i-imeyile yethu [Imeyile ikhuselwe].

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