Isahluko esitsha sejersey 7 ukubhengezwa njengommeli kubiza i $ 2500 yokufaka kwifayile yethuYiba neJersey City, i-NJ Bankruptcy igqwetha elilungisa iingxaki zakho zamatyala kwaye lisebenze nawe Lungisa ityala lakho.

Ilungelo lokumemezela ukubhengezwa njengoMgaqo-siseko kwi-United States. Uninzi lwabantu abadumileyo nabaphumelelayo basebenzise ukungabinamali ukuqala okutsha. Umzekelo, kwi-1996, u-Burt Reynolds wafaka i-Sahluko 11 Ukuchithwa kwemali emva kokungaphumeleli kwindawo yokutyela kunye noqhawulo-mtshato ku-Loni Anderson. U-Kim Singer waphulukana nomthetho kwaye wakhetha ukufaka ifayile yokuchithwa kwemali ukuphepha ukuhlawula umgwebo. U-Larry King ude wakhetha ukubhengeza ukungabinamali emva kokufaka ngaphezulu kwe- $ 350,000 kwityala. Nokuba uMark Twain uxele ukubhengezwa njengongenamali emva kokutyala imali okubi. Nditsho noMongameli wethu wangaphambilini u-Ulysess S. Grant uvakalise ukubhengezwa njengongenamali emva kokuba iqabane lakhe elishishina ngemali kwi-Wall Street layityala imali, kwaye uMongameli wethu ngoku ulisebenzisile ukubhengezwa njengengabinamali kushishino. Amashishini angaphumeleliyo, uQhawulo-mtshato, iindleko zezoNyango, ukubakho kokupheliswa kwetyala konke

Amashishini asilelayo, uQhawulo-mtshato, iiMali eziYilwayo, ukubakho kokupheliswa kwetyala zonke izinto akukho zicwangciso zinjalo kodwa zenzekile. Ukuchacha kunokuba lithuba lokugqibela lokusindisa ikhaya lakho.

Isiqinisekiso sokuhlawula amatyala

Isiqinisekiso sokuhlawula amatyala

Kutheni ucinga ngokubhanga?
Khetha konke okusebenzayo
Amanani ahlukeneyo amatyala aphathwa ngendlela eyahlukileyo yiSahluko 7, 11 okanye i-13 yokuchithwa kwemali.
Ngaba ukhe wafaka imali yokuhlawula amatyala ngaphambili? *
Ukuba uhlala uthumela imali kwilungu losapho okanye uhlawula inkxaso ye-alimony okanye inkxaso yomntwana kunokuba lula ukuba ukulungele ukubhengezwa njengongenamali.
Ukuba utshatile kwaye iqabane lakho lihlala nawe, ingeniso yomlingane wakho ibandakanyiwe kwi-Bankruptcy ukufumanisa ukuba ulungele na isahluko se-7 okanye ukuba kuya kufuneka wenze isicwangciso sokuhlawula phantsi kwesahluko se-13 ukubhengezwa, nangona kunjalo iqabane lakho AKUFUNI fayile nawe.
Ukuchacha akusosayizi enye elingana nayo yonke inkqubo kwaye kuthatha ngaphezulu kwiphepha le-automated iphepha ukunika ingcebiso kwezomthetho.
Ukhetho

Nxibelelana negqwetha elitsha lokuBhengeza i-New Jersey elinokuthi lifayile kwisahluko sakho se-13 okanye kwisahluko se-7 sokuchacha kwangolo suku olunye.

Ke, ukuba ukhethe ukubhengeza ukungabinamali, ukwinkampani elungileyo. Nxibelelana nathi kwi (844) 5 - DEFENSE - (844) 533-3367 okanye usithumele nge-imeyile ku [Imeyile ikhuselwe]

Jonga esi sithuba ukuba ucinga ngeendleko zokuhlawula amatyala.

Ngaba ufuna ukufaka ifayile yoNcedo oluNgxamisekileyo lokuBhengeza?

Ukuchithwa kweNew Jersey kulawulwa ngababini umthetho waseNew Jersey kunye nemithetho ye-Federal

Ukubhengezwa njengongenamali, kubandakanya ukungabhengezwa kwemali yaseNew Jersey kunye nokuchithakala kweNew York, ziinkqubo zenkundla zomdibaniso ezenzelwe ukunceda bobabini abathengi kunye namashishini ukuphelisa okanye ukuhlawula amatyala abo phantsi kokhuseleko lwenkundla yokubambisa. Umthetho we-federal kwi-Title 11 yeKhowudi ye-United States ilawula ukungabinamali kweNew Jersey kunye nazo zonke ezinye izinto ezinamatyala. Ilizwe ngalinye linokhetho lwalo, ngoko kuxhomekeke kuliphi ilizwe ocinga ukuba lilungelo lokuhlawula amatyala awahlukeneyo akhoyo kuwe.

Ukuchithwa kwemali ichazwa ngokubanzi njengokupheliswa okanye ukuhlelwa ngokutsha. Iindlela ezimbini ezixhaphakileyo zokungabinayo imali yokuhlawula kubathengi bethu iSahluko 7 kunye ne13

Inokwenzeka njani iJersey entsha Isahluko 7 Ukubhengezwa ncede wena?

Unganakho ukugcina ikhaya lakho kunye neMoto yakho xa usebenzisa enye yegqwetha lethu laseNew Jersey okanye eNew York, ngaphandle kokuphelisa ityala lakho, uya kugcina ikhaya lakho, imoto yakho kunye nezinto zakho. Oku kuyakuvumela ukuba uphelise ityala lakho kwaye ufumane nesiqalo esitsha.

Misa ukuxhaphaza uCreditor

Ngaba abantu obabolekayo bakubiza ekhaya nasemsebenzini? Ngaba banxibelelana nabahlobo bakho kunye namalungu osapho? Yenza isiphelo sokuhlaselwa kwakho umntu okubolekayo ngokuthetha nomnye wegqwetha lethu lokugcina amatyala eNew York. Nje ukuba ugcine iOfisi yethu, uya kuba nakho ukudlulisa kubabolekisi bakho kuthi. Umhlaseli obolekayo uya kuyeka ngoko nangoko. Ngaphantsi kwezinye iimeko, oku kuhlukunyezwa komntu obolekayo kusenokungqubana noMthetho weNkqubo yokuQokelelwa kwamatyala kuFuneka (FDCPA) kwaye unokuba nesizathu sokuqhubeka kwakhona.

Misa izihombiso

Ngaba okwangoku ufumana ukuhanjiswa komvuzo wakho? Ngaba wazisiwe ukuba ukuhombisa kungakhawuleza kuqalise kwimivuzo yakho? Isahluko se-7 sokungabinamali yenye yeendlela ezifanelekileyo zokumisa ukuhombisa. Ngokunxibelelana nomnye wabameli bethu bokungabinamali kwiNew Jersey, singakuyekisa ukuhlamba ukuze ingeniso yakho isetyenziswe ngcono.

Susa ityala

Amatyala afana namakhadi okuthenga ngetyala, iimali mboleko zomhla wokuhlawula, iindleko zamatyala ezonyango, amatyala omthetho, amatyala ooncedo, ukuphinda udweliswe, okanye ukungabinaziphazamiso kusenokupheliswa ngaphandle kokuhlawulwa kwababolekayo.

Thintela ii-Shutoffs zokuSebenzisa

Ngaba ukhathazekile malunga nokuvalwa kwenkonzo? Ukugcwalisa ngeSahluko 13 ukubhengezwa kungabanqanda ababolekisi ekucimeni inkonzo yakho. Nxibelelana nomnye wabameli bethu bokunikezela ngebhanki eNew York namhlanje ukuthintela ukuphazamiseka kwenkonzo ngaphambi kokuba kube kudala. Sineeofisi ezintathu eNew Jersey zokukunceda ngcono.

Unokukunceda njani iSahluko se-13 saseNew Jersey sokungachaphazeleki?

Misa ukutyhileka kweNew Jersey kunye nokuThengisa iSheriff yokuthengisa eNew Jersey

Ngaba ikhaya lakho likhoyo phambi okanye usifumene isaziso sentengiso yomthengisi? Ukufayilisha a Isahluko 13 sokutshatyalaliswa uyakuyekisa ukuxelwa kwangaphambili okanye ukuthengiswa kwesherifu ngalo naliphi na ixesha ngaphambi kokuba kuthengiswe indlu. Ukugcwaliswa kweSahluko 13 kuya kukuvumela ukuba uhlawule amatyala akho obambiso ngokurhafela ngokuthe ngqo kwinkampani yakho yobambiso.

Misa ukuxhaphaza uCreditor

Ngaba abantu obabolekayo bakubiza ekhaya nasemsebenzini? Ngaba banxibelelana nabahlobo bakho kunye namalungu osapho? Yenza isiphelo sokuhlaselwa kwakho umntu okubolekayo ngokuthetha nomnye wegqwetha lethu lokugcina amatyala eNew York. Nje ukuba ugcine iOfisi yethu, uya kuba nakho ukudlulisa kubabolekisi bakho kuthi. Umhlaseli obolekayo uya kuyeka ngoko nangoko. Ngaphantsi kwezinye iimeko, oku kuhlukunyezwa komntu obolekayo kusenokungqubana noMthetho weNkqubo yokuQokelelwa kwamatyala kuFuneka (FDCPA) kwaye unokuba nesizathu sokuqhubeka kwakhona.

Yekani ukuphindaphinda

Ngaba usemva kwiintlawulo zakho zemoto? Ngaba woyika ukuba imoto yakho ikufuphi? Isahluko se-13 ukubhengezwa ngamatyala kunokunceda ukugcina imoto yakho kwaye kumise inkampani yezemali ukuba iqhubekele phambili kunye nokuphindaphindiweyo. Nxibelelana nomnye wegqwetha lethu lokubhanga leNew York namhlanje kwaye banokukunceda ukudibanisa iintlawulo zakho zexesha elidlulileyo kunye nemali eseleyo kwimali mboleko yemoto yakho kwiCandelo le-13 lokungabinamali. Uya kwenza intlawulo enye kwitrasti kwaye inkampani yezemali ayiyi kuba nako ukuqhubela phambili iphinde iphinde ibuyele kwelinye ilizwe. Ngaphantsi kwezinye iimeko, amagqwetha ethu aseNew York okubhengeza angakwazi ukubuyisa imoto yakho emva kokuphinda abambise kwaye aqinise imali eseleyo kwimali mboleko yemoto.

Ukuthintela i-Shutoffs ye-Utility isebenza phantsi kweSahluko 13 kunye nesahluko 7

Ngaba ukhathazekile malunga nokuvalwa kwenkonzo? Ukugcwalisa ngeSahluko 13 ukubhengezwa kungabanqanda ababolekisi ekucimeni inkonzo yakho. Nxibelelana nomnye wabameli bethu bokunikezela ngebhanki eNew York namhlanje ukuthintela ukuphazamiseka kwenkonzo ngaphambi kokuba kube kudala. Sineeofisi ezintathu eNew Jersey zokukunceda ngcono.

Ukuphelisa ityala ngokusebenza phantsi kweSahluko 7 kunye ne-13, kodwa kukho umahluko.

Amatyala afana namakhadi okuthenga ngetyala, iimali mboleko zomhla wokuhlawula, amatyala etyala, ezomthetho, amatyala okusebenzisa, ukuphindaphinda okanye ukusilela ekubambeni kunokupheliswa ngenxa yenxalenye yoko ubutyala.

Shiya iMpendulo

Le sayithi isebenzisa i-Akismet ukunciphisa ugaxekile. Funda indlela idatha yakho yokubhaliweyo isetyenziswe ngayo.