Isahluko 20 igqwetha elityala

Ukuchithwa

Isahluko 7 Ukuchacha: Ukusuka ekugcwaliseni iifayile ukuya kwinqanaba lokuhlawula ityala kuphantse kwangoko. Inkqubo epheleleyo yokuchacha kwe-7 inkqubo ithatha i-3 ukuya kwiinyanga ze-6. Nangona kunjalo, nje ukuba ufayile, uya kuyeka ukungahambi kakuhle, ukuhombisa, ukuphindisela, kunye namatyala ezokonakalisa ityala lakho. Abanye abantu banexhala lokungabinamali kuya kulonakalisa ityala labo, nangona kunjalo, kunokwenzeka ukuba uphinde wakhe ikhredithi yakho kwi-1 ukuya kwiminyaka ye-2 ngenkqubo efana Amanyathelo e-7 ukuya kwinqaku letyala le-720.

Abanye abantu bacinga ukuba baphuke kakhulu ukuba bangakwazi ukufaka imali ngenxa yokubhanga. Nangona kunjalo, sinikezela ngezicwangciso zokuhlawula ukuze kungabikho mfuneko yokuba uhlawule kude kube kugqitywe ityala lakho lokubhanga. Unakho nokufaka inkundla ukugcwalisa ngesicwangciso sentlawulo.

Ukuba ujongene nembonakalo yangaphambili, isahluko se-7 ukubhengezwa kunganceda ukumisa ukuthengiswa kwekhaya lakho kwivenkile kwaye kude kukuseta ukuze ekugqibeleni ufake ifayile yokuchithwa kwetyala 13 ukuze ucwangcise ukubuyisa umzi wakho. Oku kubizwa ngokuba yijekey Isahluko 20 ukubhengezwa.

Oku kuvumela umntu onetyala ukuba akhuphe ityala lakhe elingakhuselekanga kwisahluko 7 ngaphambi kokuba ahlawule amatyala abo akhuselekileyo kwisahluko 13 ukubhengezwa.

Iifayile zeengxelo kunye neebhilithi ezingenasiphelo emehlweni zinokuqaqambisa, ngakumbi ukuba usemva ekuhlawuleni. Ukuzama ukukhonkxa ipeni nganye ukuze ingabikho ayikho indlela yokuphila. Iminxeba rhoqo evela kubabolekisi yongeza kuphela kuxinzelelo nakwintlungu yokungakwazi ukuqhubela phambili. Uzamile ukucetyiswa ngetyala nangezinye iindlela zokunciphisa umthwalo wakho, kodwa ityala lisaqokeleleka.

Ukuba udinile kuzo zonke iinketho zakho, kunokuba lixesha lokujonga ukubhengezwa. Ukuchacha akufanelanga ukuba kube yinkqubo enzima, kwaye akufuneki ukuba udlule kuyo wedwa. Ukufaka isicelo segqwetha lokungabinamali kunokunceda ukwenza inguqu ibe lula ngaphandle koxinzelelo.

Xa ufumanisa ukhetho oluchanekileyo lokungabinamali, uninzi lwabantu lufumanisa ukuba banako ukufaka ifayile kubhengezo lokungabinamali. Ukugcwalisa ukubhengezwa ngeSahluko 7 kunokunceda ekupheliseni ityala elininzi. Ngamanye amaxesha, abantu bayakwazi ukuwasusa onke amatyala abo kwaye baqale ngokutsha. Ukuze uqonde ukuba iSahluko sesi-7 yeyona ndlela ilungileyo, kuya kuba bubulumko ukubonana nommeli onolwazi ngesahluko 7 segqwetha eliseNew Jersey.

Ukugcwalisa ukubhengezwa ngeSahluko sesixhenxe 7 kunokubangela ukuba kuhlawulwe amatyala angakhuselekanga afana namakhadi okuthenga ngetyala, iimali mboleko zomntu kunye namatyala etyala. Nangona kunjalo, amanye amatyala anokupheliswa ngokupheleleyo okanye akhutshwe, njengobambiso, iimali mboleko zabafundi, iintlawulo zemoto, ityala lerhafu, inkxaso yomntwana, kunye ne-alimony. Ukuxolelwa kungasebenza, kwaye abantu abafaka iSahluko se-7 banokugcina indawo okanye yonke impahla yabo, kubandakanya ikhaya labo kunye neemoto. Imithetho yaseburhulumenteni neyomdibaniso ikhusela ipropathi ethile kwinkqubo yokuqhekezwa kwemali ngenxa yokuxolelwa. Kubalulekile ukuba uthethe neSahluko esinamava Igqwetha eli-7 lokungabinamali eNew Jersey ukuxoxa malunga nokuxolelwa kunye namatyala anokupheliswa okanye akhutshwe malunga nemeko yakho ethile.

Iofisi yePatel & Soltis, LLC, inokukunceda ukuba uhambe ngefayile kwaye ubhale iifayile zakho zeSahluko se-7, nokuba ukuJersey City, NJ; I-Hackensack, NJ; Inkululeko, NJ; INewark, NJ; IBrooklyn, NY; okanye kwiSixeko saseNew York, NY.

Ukugcwalisa iSahluko se-7 Ukubhengezwa

Kungcono ukuba ufune uncedo lwegqwetha le-7 lokuhlawula amatyala eNew York ukunceda ifayile yakho. Imicimbi emininzi inokuphakama ukuba uthatha isigqibo sokufaka eyakho iSahluko 7 kwinkundla. Ulwazi olungachanekanga okanye olungafumanekiyo lunokubambezela inkqubo ibe yeendleko. Inkundla isenokulikhaba ityala lakho ngokupheleleyo ngenxa yokulahleka kwamaphepha okanye iinkqubo ezingachanekanga. Abantu abafaka iifayile ngokwabo bavame ukuqesha igqwetha emva kokuqonda indlela onokuba ngumceli mngeni kwaye uyijongele phantsi inkqubo yezomthetho.

Ukuze ufayilishe eNew Jersey, umntu onetyala kufuneka ahlangabezane neemfuno zokuba ngurhulumente. Iimfuneko zibuze ukuba umtyali kufuneka ahlalise eNew Jersey kangangeentsuku ezili-180. Abanye abantu, nangona kunjalo, banokuvunyelwa ukuba bahlangabezane nemfuneko yokuhlala kwindawo ye-91days. Ngaphandle kweemfuno zokuba ngumhlali kwakhona, ukuze umntu alungele iSahluko sesi-7, umntu okanye isibini esitshatileyo kufuneka siphumelele kuvavanyo lweendlela. Uvavanyo lweendlela lubonisa ukuba umntu okanye abantu abatshatileyo bayakulungela kusini na ukhuseleko kwiifayile zeSahluko 7. Uvavanyo lwendlela ethathela ingqalelo ingeniso yomtyali ngokuchasene nenqanaba eliphakathi longeniso lukarhulumente. Ukuba umvuzo ungaphantsi kwenqanaba eliphakathi, ukugcwaliswa kweSahluko 7 kunokwenzeka. Ukuba umntu onetyala lingaphezulu kwenqanaba eliphakathi, banokungafanelekanga ukwenza ifayile yeSahluko 7, kodwa banokulifakela Isahluko 13 sokutshatyalaliswa endaweni yoko. Ingcali yezahluko ze-7 zegqwetha elise-New Jersey linganceda ukufumanisa ukuba uyakufanelekela na ukwenza ifayile yeSahluko 7.

Ukuba ulungele iSahluko se-7 kwaye ityala lakho lokugcina linamatyala liye lafakwa kwinkundla, kuza kuhlala kunjalo. Ukuhlala ngokuzenzekelayo kuyabathintela abantu ababambise imali kunye neearhente zokuqokelela ekubeni banxibelelane nawe ngexesha lokubhanga. Ngamanye amagama, ababolekisi kunye neearhente zokuqokelela abanakunxibelelana nawe ukuqokelela ityala. Lo ngumculo kwiindlebe ezininzi njengoko abantu esele benobunzima bezezimali akufuneki bajongane nokuxhaphaza iifowuni zokuqokelelwa kwamatyala ngelixa bebhanga. Ngaphaya koko, yakuba ingabinamali ikhuphe lonke ityala, ukuhlala nje ngokuzenzekelayo kuya kuba sisijeziso esipheleleyo. Ummiselo osisigxina sokudambisa unqanda umbolekisi onetyala akhutshiwe ekuthatheni nasiphi na isenzo sokuqokelela ityala.

Ukubhengezwa ngokungabinamali ku-Isahluko 7 kunokunciphisa umthwalo wakho wezezimali ngelixa ugcina abanamatyala kunye neearhente zokuqokelela zikushiya ngasemva. Ngapha koko, abantu abaninzi abafaka iifayile kwiSahluko se-7 bayakwazi ukugcina indlu yabo kunye neemoto ngenxa yemithetho yokuxolelwa ebekwe ngurhulumente kunye ne-federal. Ityala ngalinye lahlukile, kwaye eyona ndlela yokuziva ukuba ityala lakho lingahlawulelwa kukunxibelelana negqwetha le-7 lokuhlawula amatyala eNew York ukuvavanya ityala lakho.

Nokuba useNew Jersey okanye eNew York, Patel & Soltis, LLC zikhonza ezi ndawo zilandelayo: IJersey City, NJ; I-Hackensack, NJ; Inkululeko, NJ; INewark, NJ; IBrooklyn, NY; okanye kwiSixeko saseNew York, NY.