Yintoni ukubhengezwa?

Ukurhafisa yinkqubo yomthetho evumela abantu okanye amashishini ukuba afumane inkululeko kumatyala abo, ngelixa ngaxeshanye enika abo babambeleyo ithuba lokuhlawula. Ukubuyiselwa kuyaxhomekeka ukuba kukho ii-asethi ezinokuhanjiswa. Oku akuthethi ukuba xa ufaka ukubhengezwa ukuba uza kuphulukana nayo yonke into onayo. Oko akuthethi, ukuba zonke iintlobo zamatyala zixolelwe ngokungahlawulwanga.

Ukubhengezwa njengeqela elinemithetho eliqela ethathela ingqalelo kurhulumente (okt, NJ okanye NY) ebekwa ityala, imali kunye nengeniso yalowo unamatyala, uhlobo lwamatyala amtyalwayo, nento umntu azama ukuyenza xa egcwalisa ukubhengezwa njengongenamali.

Ukuchacha kukuvumela abantu abafana nawe sisiqalo esitsha okanye kukuvumela ukubanjwa kwikhaya okanye kwimali mboleko yemoto osenokuba ubuwele ngasemva, okanye nokuba ubanjiwe kwiirhafu zakho.

Zeziphi iintlobo zokungabinamali kubantu?

Kukho iindlela ezahlukeneyo zokungabinamali, ekubhekiselwa kuzo ngesiqendu sabo ngaphakathi kweKhowudi yokuNgabinamali yase-US. Ukuhlawula amatyala akho kungokwesahluko sesi-7, 11, okanye se-13

Ukuchithwa kwemali kuyaqhutywa kwiinkundla zomdibaniselwano, kwaye imithetho ichaziwe kwiKhowudi yokuNgabinamali yaseMelika kwaye le mithetho ichaphazeleka yimithetho yoburhulumente apho kufakwa imali yokuhlawula amatyala, kunye nezigwebo zeenkundla zamatyala zokungabinamali kunye neenkundla zokubhengeza kwisithili sabo.

Isahluko esitsha sejersey 7 ukubhengezwa njengommeli kubiza i $ 2500 yokufaka kwifayile yethu

Yiba neJersey City, i-NJ Bankruptcy igqwetha elilungisa iingxaki zakho zamatyala kwaye lisebenze nawe Lungisa ityala lakho.

Ilungelo lokumemezela ukubhengezwa ngokungabinamali kuMgaqo-siseko wase-United States. Uninzi lwabantu abadumileyo nabaphumelelayo basebenzise ukungabinamali ukuqala okutsha. Umzekelo, ngo-1996, uBurt Reynolds wafaka isicelo kwisahluko se-11 sokungabinamali emva kweshishini lokutyela elingasasebenziyo, kwaye uqhawulo-mtshato oluziindleko ku-Loni Anderson lwamfaka kwityala lokuchithwa kwamatyala sisisombululo esifanelekileyo kuye. U-Kim Singer waphulukana nomthetho kwaye wakhetha ukufaka ifayile yokuchithwa kwemali ukuphepha ukuhlawula umgwebo. U-Larry King wakhetha ukubhengeza ukubhengezwa njengongenamali emva kokuhlawula ngaphezulu kwe- $ 350,000 ematyaleni. UMark Twain uxele ukubhengezwa njengongenamali emva kotyalo mali olubi oluninzi. Nditsho nomntu owayesakuba nguMongameli u-Ulysses S. Grant ukubhengeze ukubhengezwa njengongenamali emva kokuba iqabane lakhe elishishina likhuphe imali kwishishini laseWall Street abatyalale imali kulo. Umongameli wethu okwangoku uye wasebenzisa ukubhengezwa kwemali engabinakho ukusilela. Amashishini asilelayo, uqhawulo-mtshato, iindleko zamayeza, ukubakho kokuphelelwa ngumthetho zonke izinto azinazicwangciso zodwa kodwa zenzeke. 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 lokuGxothwa kwemali eNew York elinokufaka ifayile yakho kwisahluko se-13 okanye kwisahluko sesi-7 sokubhanga ngendlela enye.

Ukuba ukhetha ukubhengeza ukungabinamali, unenkampani elungileyo. Nxibelelana nathi ku (844) 5 - DEFENSE - (201) 285-2839 okanye usithumelele i-imeyile [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 yokubhanga. Umthetho we-federal on isihloko se-11 seKhowudi ye-United States ulawula ukubhujiswa kweNew York kunye nazo zonke ezinye izinto ezinamatyala. Ilizwe ngalinye linokhetho lwalo, kuxhomekeka ekubeni ucinga ngantoni ukubhengezwa, nokuba yeyiphi eyahlukileyo kuwe.

Ukuchithwa kwemali ichazwa ngokubanzi njengokupheliswa okanye ukuhlelwa ngokutsha. Iifom ezimbini ezixhaphakileyo zokuhlutha imali ebhengezwe kubathengi bethu kwiSahluko se-7 nesesi-13.

Inokwenzeka njani iJersey entsha Isahluko 7 Ukubhengezwa ncede wena?

Unokwazi ukugcina ikhaya lakho kunye nemoto xa usebenzisa igqwetha lethu lokuhlawula amatyala eNew Jersey. Ngaphandle kokuphelisa ityala lakho, uya kuthi, phantsi kweemeko ezininzi, ugcine ikhaya, imoto 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 negqwetha lethu lokugcina imali eNew York. Nje ukuba ugcine iOfisi yethu, uya kuba nakho ukudlulisa kubabolekisi bakho kuthi. Umhlaseli obolekayo uya kuyeka ngoko nangoko. Ngaphantsi kwezinye iimeko, oku kuxhatshazwa komntu obolekayo kungangqubana noMthetho wokuqokelelwa kwamatyala okuqokelelwa kwamatyala, (FDCPA), kwaye unokuba nesizathu sokuqhubeka kwakhona.

Misa izihombiso

Ngaba okwangoku ufumana ukuhanjiswa komvuzo wakho? Ngaba wazisiwe ukuba ukuhombisa kungakhawuleza kuqalise kwimivuzo yakho? Isahluko sesixhenxe sokungabinamali yenye yeendlela ezifanelekileyo zokumisa ukuhombisa. Ngokunxibelelana negqwetha lethu lokuhlawula amatyala eNew York, singakuyekisa ukuzihombisa, ukuze umvuzo wakho usetyenziswe ngcono.

Susa ityala

Amatyala afana namakhadi okuthenga ngetyala, iimali mboleko zomhla wokuhlawula, amatyala okunyanga, amatyala, izixhobo zokusebenzisa, ukuphindisela, okanye ukuphambuka ekubekweni kusenokupheliswa ngokupheleleyo ngaphandle kokuhlawulwa kwababolekayo.

Thintela ii-Shutoffs zokuSebenzisa

Ngaba ukhathazekile malunga nokuvalwa kwenkonzo? Ukugcwalisa ngesahluko 13 sokungabinamali kunokuthintela ababambisi ekucimeni inkonzo yakho. Nxibelelana negqwetha lethu lokuhlawula amatyala eNew York namhlanje ukunqanda 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 negqwetha lethu lokugcina imali eNew York. Nje ukuba ugcine iOfisi yethu, uya kuba nakho ukudlulisa kubabolekisi bakho kuthi. Umhlaseli obolekayo uya kuyeka ngoko nangoko. Ngaphantsi kwezinye iimeko, ukuhlukunyezwa kwababolekisi kunokuba kukwaphula umThetho oLungileyo wokuqokelelwa kwamatyala kuFeditha (FDCPA), kwaye unokuba nesizathu sokuqhubeka kwakhona.

Yekani ukuphindaphinda

Ngaba usemva kwiintlawulo zakho zemoto? Ngaba woyika ukuba imoto yakho ikufuphi? Isahluko 13 sokungabinamali kunokukunceda ugcine imoto yakho kunye nokuyekisa inkampani yezemali ekubeni iye phambili kunye nokuphindaphindeka. Nxibelelana negqwetha lethu lokuhlawula amatyala eNew York namhlanje. Singakunceda udibanise intlawulo yakho edlulileyo kunye nemali eseleyo kwimali mboleko yakho yemoto ukuya kwiSahluko 13 sokungabinamali. Uya kwenza intlawulo enye kwitrasti kwaye inkampani yezemali ayiyi kuba nako ukuqhubela phambili iphinde iphinde ibuyele kwelinye ilizwe. Ngaphantsi kwezinye iimeko, igqwetha lethu lokuhlawula amatyala eNew York linokude likwazi ukubuyisa imoto yakho emva kokuphinda ubambise kwaye lidibanise imali eseleyo kwimali mboleko yemoto

Ukuthintela ukuSebenzisa ii-Shutoffs kusebenza phantsi kweSahluko se-13 nesahluko se-7

Ngaba ukhathazekile malunga nokuvalwa kwenkonzo? Ukugcwalisa ngesahluko 13 sokungabinamali kunokuthintela ababambisi ekucimeni inkonzo yakho. Nxibelelana negqwetha lethu lokuhlawula amatyala eNew York namhlanje ukunqanda 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.