Ngaba loluphi uhlobo lokungabinamali kuwe?

Zeziphi iindidi zokungabinamali kuwe?

Zeziphi iindidi zokungabinamali kuwe?

Zintathu iindidi zokuzicima okwenziwa ngokuzithandela okunga fayiliswayo. Isahluko 3, 7, okanye 11. Kukwakho nesahluko se-13 sokuchithwa kwabalimi bakaFama kunye noMlobi wosapho. Kwaye kukho uhlobo lwesahluko 12 sabanini bamashishini amancinci okanye iinkampani ezizezinye zeearhente zee asethi. Kukwakhona ukubhengezwa okungabinamali okungaqhutywa ngabantu ekunyanzelekileyo ukuba bangene.

Ikhowudi yokuhlawula amatyala ifunyanwa apho Isihloko se-11 sekhowudi yokuBhangiswa kwe-United States.

Yintoni iSahluko 7 sokuBhengezwa sisetyenziselwe?

Isahluko se-7 sokuchithwa kwemali isetyenziselwa ukususa ityala lakho kwaye uqale ukuthetha okutsha ngemali. Oku kuhlala kufayilwa ngabantu ngaphandle kwemivuzo enkulu okanye ngaphezulu kwe-50% yamatyala abo kwishishini. Ngokwesiqhelo abantu abaninzi bagcina ukugcina amakhaya abo kunye neemoto ukuba abanalo kakhulu kwezi zinto. Ukuba abantu abanalo ityala kwishishini, banokwenza imali eninzi ukuze bafaneleke ukuba banamatyala alandelayo kwisahluko se-7 kwaye endaweni yoko kufuneka bafake kwisahluko 13 sokungabinamali.

Yintoni iSahluko 13 sokuBhengezwa sisetyenziselwe?

Isahluko se-13 luhlobo lokuchacha apho abantu behlawula amatyala abo kwisithuba seminyaka emithathu okanye emihlanu. Abantu basebenzisa isahluko se-3 sokuhlawula amatyala abo ukubuyisela ityala elisesandleni xa bengafanelekanga kwisahluko sesi-5, okanye bezama ukubuyisela ityala elikhuselekileyo njengekhaya okanye imoto. Emva kokuba umntu onetyala enze intlawulo kangangesithuba seminyaka emi-13 okanye emihlanu nayiphi na ityala elingahlawulwanga liya kuxolelwa kwisahluko 7. Kukho iintlobo ezininzi zamatyala axolelwe kwisahluko 3 kunesahluko sesi-5.

Ngaba kukho izithintelo ekugcwalisweni kwebhanki engu-13 yokuchithwa kwemali?

Kukho imida yamatyala xa ugcwalisa isahluko 13 kwaye ezi zihlala zitshintsha kancinane minyaka le. Okwangoku, ukusukela ngo-Epreli wama-2019, umntu onamatyala akanakuba ngaphezulu kwe- $ 419,275 kumatyala angakhuselekanga aphuma kwi- $ 394,725 ukusuka ngo-2018 kwaye engenakho ngaphezulu kwe- $ 1,257,850 kumatyala akhuselekileyo aphuma kwi- $ 1,184,200 ngo-2018.

Umntu uza kuyifaka nini ifayile kwisahluko se-11 sokuBhengezwa?

Xa umntu enamatyala amaninzi ukufaka ifayile kwisahluko se-13 kwaye efuna ukuwahlawula amatyala abo okanye anqande ukuba iimpahla zabo zithengiswe kwisahluko sesi-7, banokujonga ekugcwaliseni ukubhengezwa kwesahluko 11. Isahluko 11 sokungasebenzi kwemali sisetyenziselwa amashishini, kubandakanya a Shishini ukufayilisha kwaye Ukuthengiswa kwempahla kunye nomhlaba

Yeyiphi inkundla ejongene nokuchithwa kwemali?

Ukuphathwa kwemali yokuhlawula amatyala kwiinkundla zomdibaniso, kwaye imigaqo icacisiwe kwiKhowudi yokuNgabinamali yase-US. Le mithetho ichaphazeleka ngurhulumente apho kufakwa imali kwi-Bankruptcy kunye nezigqibo zeenkundla zamatyala ezingabinamali kunye neenkundla zokubhengeza kwisithili sabo. Ayizizo zonke izigqibo zenkundla enye yokuhlawula umntu ngokuzenzekelayo enza isicelo kwenye. Ke amazwe ahlukeneyo kunye neenkundla zomdibaniso zinokugweba iseti efanayo yezibakala ngokwahlukileyo xa zitolika umthetho ngokusekwe kuloo nkundla.

Nangona iNew York neNew Jersey bengabamelwane abasecaleni komgaqo, bakwiingingqi ezahlukeneyo zomdibaniso kwaye banemithetho emininzi enxulumene nokubhanga okuphathwa ngendlela eyahlukileyo.

Njengomzekelo iirhafu zerhafu zaseNew Jersey ngumbandela oqhelekileyo wokungabinamali kwiNew Jersey. Kwaye, ukwazi indlela yokubaphatha kwi-New York bankrupttha kunokuba yinto yokubambelela ukuba igqwetha lakho lokugcina imali lingawuqondi umthetho wezo zombini zichaziweyo.

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Shiya iMpendulo

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