Ama-FAQ mayelana neSahluko 13 Ukuqothuka

Yini engenziwa ukuqothuka kweSahluko 13?

Isahluko 13 sokuqothuka kubhekwa njengokuqothuka kwemiholo ukuze okweletayo akwazi ukwenza uhlelo lokukhokha njalo ngenyanga lokulawula isikweletu sakhe esithatha iminyaka emithathu kuya kwemihlanu. Ngenkathi okweletayo esahlukweni sesi-7 eqothuka ezothola ukonakala cishe ezinyangeni ezi-3 isahluko 13 okweletwayo ngeke athole ukukhululwa kuze kube yilapho uhlelo lokukhokha seluqedile noma sekukhishwe ubunzima.

Abantu besahluko 13 sokuqothuka ukuze:

  • Banjwa ngezinkokhelo zabo ezifana nezasekhaya.
  • Thola ezinye izinhlobo zemalimboleko evikelwe: Imalimboleko Yemoto, Imalimboleko Yomuntu, Ifenisha kaBob, I-Best Buy, Am Taxi medallions- Uqamba uhlobo lwemalimboleko.
  • Misa ukuthengiswa kwe-sheriff
  • Misa isenzo sokudalulwa yibhange lakho
  • Misa a Ukudalulwa Kwentela Ye-NJ Yentela
  • Vumela ukuthi ukhokhe intela ekhaya lakho isikhathi esiyiminyaka emithathu kuya kwemihlanu.
  • Misa ukuhlobisa
  • Misa a icala lasenkantolo kusuka ekuqhubekeni kwecala.
  • Buyisa imoto ebuyiselwe emuva.
  • Cram phansi inani lemalimboleko yemoto elidala kuneminyaka engu-2.5 ukuze inani lentengo lemoto kuphela elikhokhwayo futhi manje okubolekayo ngokujwayelekile ngenani eliphansi lenzalo.
  • Cram phansi enye impahla ephephile njengempahla yokutshala noma i-New York City Taxi Medallion.
  • Khokha izintela zengeniso ezidlule kanye / noma izibopho zokusekela zasekhaya ezinjenge-alimony nokusekelwa kwengane ngaphezu kobude bohlelo lokukhokha lweSahluko 13.
  • Khipha isikweletu esingakhishwa ku-Isahluko 7 ukuqothuka, noma faka isahluko 13 lapho bengakufanelekeli ukuqothuka.

Eziningi zalezi zinto zenzeka nesehluko 7, kepha isahluko 13 singakusiza ugcine impahla evikelekile. Futhi lapho abantu bengavumi ufaneleke ngokuqothuka kwesahluko 7, bangasebenzisa isahluko 13 ukukhokha imali mboleko yabo engavikelekile noma amakhadi wesikweletu. Ukuze kuthi uma umphathi ophethe ebheka ukuthengisa impahla yakho esahlukweni 7, uzokwazi ukuyigcina isesehlukweni 13 sokuqothuka.

Yini i-CramDown ekuqhekekeni kweSahluko 13?

“I-CramDown” ekuqothulweni kweSahluko 13 kunciphisa lokho okukweleta entweni evikelwe imalimboleko. Izinto eziningi ezingaphandle kwendawo yakho yokuhlala evikelwe imalimboleko ziyakwazi ukucindezelwa uma imalimboleko ingaphezu konyaka. Ngenkathi imalimboleko yemoto idinga ukuthi ikhishwe ngaphezulu kwezinsuku ezingama-910 ngaphambi kokuba kube nokuqhekeka. Ngokusebenzisa ithuba lokulimala ekuqothulweni kweSahluko 13, ungakwazi ukusindisa i-New York Taxi Medallion yakho, imoto, indawo ethengisa utshalomali, noma enye impahla evikelwe imalimboleko. Ungathulula izinkokhelo, futhi ungahle wehlise inani lenzalo.

Can CramDown ku Isahluko 13 sokuqothuka kusonga i-New York City Taxi Medallion?

Ngithanda ukusebenzisa iNew York City Taxi Medallions njengesibonelo kuma-cram Down. Abantu abaningi bazithola sebengakwazi ukuxhasa izinkokhelo zabo ze-NYC Taxi Medallions kodwa ngesahluko 13 bangase bakwazi ukukhokha i-medallion. Abantu abaningi bathenga phezulu emakethe bakhokha ngaphezulu kwesigidi samadola ngamadola abo etekisi. Manje abantu abaningi bakweleta ama- $ 800,000 + wemalimboleko yamatekisi, futhi ababoni indlela yokuyikhokha, kepha-ke ukubeka uhlelo lokukhokha inani langempela leTaxi Medallion kulula kakhulu ukuthi umuntu alikhokhe eminyakeni emihlanu. Ukukhokha ama- $ 5 noma ama- $ 75,000 ngenzalo engaphezu kweminyaka emihlanu kulula kakhulu kunokukhokha ama- $ 100,000. Kunzima ngisho ukuthola inani eliqondile le-medallion yetekisi njengoba abanye abantu bekhokha imali kuma-medallions ngamanani aphansi kakhulu.

Ngabe uhlelo lokukhokha lweSahluko 13 luhlala isikhathi esingakanani?

Isahluko 13 singakhokhwa emuva kweminyaka emithathu noma emihlanu. Isikhathi sokukhokha sisuselwa kwimali engenayo yefayela. Iningi labantu likhetha isikhathi esiyiminyaka emihlanu ngoba lokho kusho ukuthi ukukhokha kwesikhwama sokuqothuka kuzoncipha isikhathi, kepha kunezimali eziningi ezengeziwe. Ngoba uma kufanele ukhokhe inani elifanayo buyisela ukukhokha okuningi ngenani elincane esikhundleni sezinkokhelo ezinkulu zesikhathi esifushane.

Ungalusebenzisa nini uhlelo lweminyaka emithathu sehluko 13?

Uma unayo izikweletu ezingeke zikhiphe ku-bankruptc engu-XNUMXy, futhi awudingi ukufaka uhlelo lokukhokha olungu-100%. Ngemuva kwalokho ungasebenzisa Isahluko seshumi nantathu ukuze kukhishwe ezinye zalezi zikweletu. Le vidiyo ichaza i- umehluko phakathi kwesahluko 7 nesahluko 13 sokuthethelelwa siphi isikweletu.

Ngemuva kokuba okweletayo eqeda ukwenza izinkokhelo zawo isikhathi esiyiminyaka emithathu kuya kwemihlanu, noma yiziphi izikweletu ezingakhokhwanga ziyakhishwa njengasesisahlukweni eziyisikhombisa sokuqothuka.

Yimiphi imikhawulo yesikweletu yokufaka a isahluko 13 ucabanga?

Ngakho-ke kukhona imikhawulo yesikweletu engafaka Isahluko 13 futhi lokhu kuvame ukuguqula okuncane njalo ngonyaka. Ukusukela ngo-Ephreli 2019 imikhawulo yesikweletu eguquliwe ukuze ufanelekele iSahluko 13 yile: $ 419,275 yezikweletu ezingavikelekile ezisuka ku- $ 394,725 ngonyaka we-2018, kanye ne- $ 1,257,850 yezikweletu ezitholakele ezikweletini ezikhuphuke ku- $ 1,184,200 kusuka ngo-2018. Ngakho-ke, ngo-Ephreli 2020 sizokwenza mhlawumbe ubone le mikhawulo inyuka futhi.

Ngenzenjani uma izikweletu zami ziphakeme kakhulu ukuthi ungafaka isahluko 13?

Lapho umuntu enesikweletu esikhulu kakhulu futhi efuna ukubuyisa izikweletu zakhe ngecebo lokukhokha noma agweme ukuthi impahla yakhe ithengiswe eSahlukweni sesikhombisa, lapho-ke kufanele babheke ukufaka amafayili kwisahluko se-11.

Uma unemibuzo, zizwe ukhululekile ukushayela ihhovisi lethu ngocingo. Ungakhuluma no Ummeli Wezokuvikela weNW noma ummeli waseNew York Bankruptcy Sizodlula kunoma yimiphi imibuzo onayo. Uma ukhathazekile ngokuthi yimaphi izikweletu okudingeka uxolelwe sicela ukhulume nommeli. Sishayele ku 973-200-1111 noma u-imeyli nathi [Email protected].

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