Ukugcwaliswa kokuchithwa kwebhanki kwi-NJ kuya kumisa ukubonwa kwe-NJ

Ukuba usebenzisa igqwetha le-NJ lokungabinamali kwifayile yakho yokuhlawula ityala uyakuyeka ukuboniswa ngaphambili kwindlu yakho, kwi-co-op, kwi-condominium okanye ekhaya elihambayo. Ungayenza ngokwakho ngokwakho ukuba ukhetha, kodwa ukubhengezwa yinto engaqondakaliyo kuye nabani na ozama eyakhe. Eli nyathelo liza kukunika ithuba lokufumana iintlawulo ezingaphoswanga kunye nezinye iifizi. Nangona kunjalo, ukubhengezwa ngebhanki akuyi kuyiphelisa ngokuzenzekelayo indlu yakho ekubanjiseni kunye namanye amatyala kwipropathi yakho. Kuya kufuneka ukuba wenze iintlawulo ukuze uhlale kwikhaya lakho.

Nje ukuba ufayilishe ukubhengezwa njengongenamali, kuya kuthi kukhutshwe ngokuzenzekelayo yinkundla yokubhangqa ukuze ukongeza into yokuma kwekhaya lakho ukuhlala ngokuzenzekelayo uyeke ukuhombisa, kunye nabaqokelela amatyala ekubeni banxibelelane nawe.

Logama ukubhengezwa kwakho njengabinamali kufakwa ngaphambi kokuba kuthengiswe ngaphambili akuyi kuphulukana nekhaya lakho kwintengiso yesherifu njengoko intengiso ayiyi kuthathwa njengesemthethweni. Ke nokuba intengiso iyadlula uya kuba neendlela zokugcina ikhaya lakho.

Enye yeziBonelelo ezinokubakho ngokuBalulekileyo kukuhlala ngokuZenzekelayo

Nje ukuba ufayile ukubhengezwa njengongenamali, ukuhlala ngokuzenzekelayo kuya kusebenza ukukukhusela. Ukuhlala ngokuzenzekelayo kungumthetho we-federal. Ukubhengezwa kuvunyelwe kumgaqo-siseko kwaye lilungelo lakho.

Ukuhlala ngokuzenzekelayo kuya:

  1. Uthengise ukuthengisa iSheriff kuyo yonke NJ
  2. Ukuma kwembonakalo yonke i-NJ
  3. Ubambise ukuphinda ubekhona kuyo yonke i-NJ
  4. Imisa ukuhanjiswa kweholo
  5. Igcina iAkhawunti yeBhanki yeBhanki kuyo yonke i-NJ
  6. Imisa ukuhlukunyezwa koxinzelelo kuyo yonke i-NJ
  7. Imisa ingqokelela yamatyala ematyaleni

NJ Ukupheliswa kwamisa ukubhengezwa kweNJ
Misa ukuxhaphaza uCreditor

Umntu ombolekayo akasayi kukwazi ukukufowunela, akuthumele iileta, aze ayeke ukukumangalela. Iinkampani zamakhadi okuthenga ngetyala kunye neearhente zokuqokelela aziyi kuphinda zikuhluphe zonke zethu zeentsuku. Awusayi kufumana iifowuni zabo emsebenzini. Ukutsala imali kubayekisa ukukukhathaza. Amagqwetha asoloko ebamangalela abo banamatyala ukophula ukuhlala ngokuzenzekelayo kwaye uyaphumelela.

Misa ukubonwa kwakho kweND, yeka ukuthengiswa kweNW yakho yokuThengisa kunye nokumisa ukufunyanwa kweNJ

Akuyi kufuneka uxakeke kukuphulukana nendlu yakho okanye imoto yakho njengoko unesicwangciso sokubeka ndawonye ukuba ubambe iintlawulo kwisahluko 13 sokungabinamali. Ukuhlala ngokuzenzekelayo kuya kumisa ibhanki yakho kunye nababolekisi ekuthatheni impahla yakho. Bangahamba bayokwenza isindululo sokuba ukuhlala ngokuZenzekelayo kuphakanyisiwe ukuze kuthengiswe impahla yakho, kodwa oku akuqinisekwanga ukuba kuya kunikezelwa.

Ungayeka ukuyifihla imoto yakho ukuba unexhala lokuphinda ubhaliswe kwakhona ukuba ifayile ye-NJ Bankruptcy. Unothimba akazukuthengisa ifandesi ekhayeni lakho njengoko ukhuselekile.

Misa ukuhanjiswa kweholo, kunye nokuhanjiswa kweakhawunti yeBhanki

Ababolekisi bakho abasayi kuvunyelwa ukuba bathathe imali kwibhaso lakho okanye kwiakhawunti yakho yebhanki. Ukuba abantu obabamba ityala lakho sele befumene isigwebo senkundla ngakuwe, uyakuyibona yonke le nto ihamba. Ukuchacha kuyeka ukuhombisa (ngaphandle kwenkxaso yomntwana okanye i-alimony).