Ikhaya / Imibuzo Evame Ukubuzwa

Kwenzekani uma ngishiya okweletayo engiphathekile ngenxa yokuqothuka kwami?

Kuya ngokuthi yisiphi isikhathi sokuqothuka esifakwe futhi uma unezimpahla. Kusahluko sokuqothuka kwe-13 esahlukweni nakwindlela esaqhubeka ngayo ukuqothuka kwe-7 lapho kunempahla, isikweletu ngeke sakhishwa. Okusho ukuthi usazoba kulokho kubamba ukukhokha ukuqothuka,

Kusahluko sokungasebenzi kwempahla i-7, isikweletu sizokhishwa inqobo nje uma kungenye yezindlela ezijwayelekile zesikweletu esithethelelwe ekuqothulweni okufana nezikweletu zezokwelapha, amakhadi wesikweletu, abolekiso lwezimoto ezenzakalelayo ezimotweni eziphindaphindekayo nokunye.

Ngabe imali mboleko ka-Pay Day embozwe ukuqothuka?

Uma ukhiphe imalimboleko yosuku lokuhola, bayathethelelwa ngokuqothuka. Izinkinga zingavela ukuthi uma imalimboleko yosuku lokukhokha yathathelwa ezinsukwini zethu ze-90 badinga ukubuyiselwa. Noma yisiphi isikweletu esivele ngaphakathi kwezinsuku ze-90 zokuqothuka kungenzeka sidinge ukubuyiswa.

Uma ufayela ukuqothuka futhi unamasheke ebhalwe phansi aphelelwa yindawo yemalimboleko yePay Day ungangena enkingeni nenkampani yemalimboleko yokukhokha isazama ukufaka amasheke akho. Uma uzithola ulolu hlobo lwesimo, khuluma no ummeli wokusiza isikweletu ukwenza izinketho zakho.

Ngabe ukuphepha kwezenhlalo kubhekwa njengokuhola imali njengokuqothuka?

Ezokuphepha zenhlalo zithathwa njengemali ngokuqothuka, kepha futhi kubhekwa njengokuxolelwe. Uma sibheka imithetho yase-US yezokuphepha komphakathi kanye nezinkokhelo zokukhubazeka sibheke ku-42 US Code Subchapter II - FEDERAL OLD-AGE, SURVIVORERS, KANYE NOKUZUZA IZINZUZO ZOKUTHENGA.

Ngaphansi I-42 US Code § 407 igxeka izinkokhelo ezibhekene nezinkokhelo zokuphepha kwezenhlalo kanye nezinkokhelo zokukhokha abakhubazekile (i-SSDI) ekuthatheni umphathi wezezimali ozokhokha izikweletu esahlukweni 7 sokuqothuka.

Ngakho-ke uma ungathola isamba semali ekhokhwayo yokukhokhwa kwezokuphepha komphakathi, umphathi ophethe ngokuqothuka ngeke avunyelwe ukuthatha imali esahlukweni se-7 sokuqothuka. I-SSDI nayo izokhishwa kwisahluko 7 izindlela zokuhlola. Kodwa-ke, uma ufuna ukwenza izinkokhelo ezahlukweni zokuqothuka kwe-13 umphathi ophethe uzothatha imali yakho yokuphepha kwezenhlalo njengomthombo wemali yokuxhasa u-13 wesahluko sakho.

Uma udinga ukuqonda okungcono kokuthi i-SSDI izosebenza kanjani nesethi ethile yesimo sakho, khuluma no ummeli wokuqothuka ukuthola umbono ophelele wokuthi kuzokwenzekani uma wena noma oshade naye nifaka isicelo sokuqothuka.

Ngabe izintela ziyakhishwa ekuqothulweni kwemali?

Ungaba nentela engenayo engaphezu kweminyaka engu-3 exolelwe ukuqothuka. Kunemithetho ye-3 yalokhu.

Ugcwalise izintela zakho. Uma ugcwalise izintela zakho ngo-Ephreli 10, 2015, nge2014 izintela ziyakwazi ukukhishwa ngo-Ephreli 11, 2017. Uma uthole ukunwetshwa kuya ku-Okthoba 15, 2015 kuzodingeka ulinde u-Okthoba 16, 2018.

Uma ungafakanga izintela zakho ngendlela efike ngesikhathi efana nokufaka intela yakho ye-2014 ku-2017, kuzodingeka ulinde iminyaka eyi-2.

Uma uthole ukuphinde kuxoxwe ngamanani wakho we-2014 ezinsukwini zokugcina ze-240 kusuka kokuthile okufana nokuhlolwa, kuzodingeka ulinde izinsuku ezingama-240 ngemuva kokuphinda uqashelwe ukuthi intela ingahle ihlawulwe. Bengithi funda Umhlahlandlela we-IRS ngokuqothuka nentela, kepha iminyene impela futhi ayicaci ngokuphelele.

Uma unemibuzo, xoxa no-a Ummeli wokuqothuka. Sishayele ku-844-533-3367.

IYINI INDLELA YOKUVUSA ISELULEKO KUNESIHLOKO? Noma, ngingakwazi ukuthengisa i-condo yami kudadewethu ngedola bese ngichaza ukuqothuka?

Uma uthengisa noma iyiphi impahla komunye umuntu ngemali engaphansi kwaleyo esetshenziselwe yona (I-Full Market Value), bese umemezela ukuqothuka, umphathi ophethe ngokuqothuka angakubona njengokudlulisela okuthandekayo kumuntu ngaphakathi / kwi-FRAUD. A nd, ukudonsela impahla emuva impahla yokuqothuka.

Yenza sengathi wena nodadewenu, umfowenu noma esinye isihlobo uthenge i-condo ebhishi eFlorida e2014 ngama- $ 100,000. Nobabili ufake ku- $ 50,000 futhi nobabili bane-50%. Manje yi-2018, futhi ucabanga ukumemezela ukuqothuka futhi ufuna ukuqeda i-condo kuqala. Uma i-Condo manje ibiza u- $ 200,000 udadewenu uzodinga ukukukhokhela u- $ 100,000 ngoba uthathwa njengokudluliswa kwemakethe okugcwele. Uma engakukhokha i-dollar elilodwa nje leli thrasti ubelibheka njengokudluliselwa ngenkohliso nawe uzama ukugwema ukukhokha abakweletayo.

Manje ake sithi i-condo igcwale amanzi, futhi kufanele imali engu- $ 100,000 yomsebenzi. Inani lamanje le-Condo yi- $ 10,000, kodwa $ 100,000 ekuqhubekeni komshuwalense uyeza. Imali yomshuwalense ingalethwa efeni lokuqothuka. Ngakho-ke umlingani wakho kule mpahla akasakwazi ukuthenga impahla nge $ 1 ngaphandle kokukudlulisela ngenkani.

Manje ake sithi i-condo itshalwe imali ngama-roaching, isiphenduke umhume wokuqhekeka, futhi yabaluleka ku- $ 10,000. Manje kungabanga impikiswano yokuthi ukuyithengisa kumnikazi wakho ongu- $ 1 kwakuyinto enhle kuwe.

Uma unemibuzo mayelana nokudluliselwa ngenkohliso kwabangaphakathi noma ISIQINISEKISO SOKUGQIBELA khuluma no Ummeli Wokuqothuka namuhla kwa-844-533-3367.

Mina nomkami singumbhangqwana osukhulile, osethathe umhlalaphansi onemali mboleko yemalimboleko ye-5 enhlanganweni yezikweletu. Imalimboleko Emine ayivikelekile kanti enye ivikelwe ngokumelene nemoto yethu. Inhlangano yezikweletu ithi izolandela imoto yethu ngoba sisemuva kwayo yonke imibhalo ngaphandle kwemoto. Bangakwenza lokho?

Ngeshwa, Izinyunyana Zezikweletu zenza okuthile okubizwa ngokuthi yi-cross-collateralised. AbakwaCommunity Unios ngokujwayelekile bazoba namagama kwizimalimboleko zabo ezithi okufana, “CUkuthola enye imalimboleko kwi-Credit Union nakho kungavikela le mboleko. ” Lokhu kusho ukuthi noma ngabe unemalimboleko eyodwa kuphela evikelwe yimoto yakho i-Credit Union iphatha zonke iimalimboleko zakho njengoba bethola imoto yakho.

Kufanele uthinte a Ummeli Wezikweletu ukudlulela kulesi simo sakho ukuze ubone ukuthi yini eyenza umqondo kuwe nakumkakho.

Ngingumuntu ophakeme futhi ozenzakalelayo ku-HELOC yami (umugqa wesikweletu sasekhaya). Yini engingayenza ukuze ugweme ukubekeka obala?

Uma unqamule kulayini wakho wesikweletu noma imbuyiselo ebolekayo unezinketho eziningi.

  1. Yenza isivumelwano nebhange. Lokhu kungazwakala kuyinkimbinkimbi, kepha izikhathi eziningi amabhange anezinhlelo zokukusiza ukuthi ubuye ngezinyawo zakho ngemuva kokuxinana ngezinkinga zezimali.
  2. Ukucabanga kabusha. Lokhu kwesinye isikhathi kuyatholakala, futhi sazi namabhizinisi azosebenzela ukuthenga inothi lakho ebhange lakho ukuze abuyele kuwe. Esikhundleni sokwenza ukuthengiswa okufushane, ibhizinisi lizokhulumisana nebhange lakho ukuze ukhokhe imali emfushane.
  3. Memezela ukuqothuka ukuthenga isikhathi. Isahluko 7 kufanele sisetshenziswe kuphela uma ungenalo ukulingana okwanele ekhaya lakho okungenza ukuthi umphathi we-7 wokuqothuka kwemali afune ukuthengisa ikhaya lakho. Ngemuva kokuqothuka, uhlala unokhetho lokuphinda uqinisekise isikweletu sakho.
  4. Uma ubheka nje ukuthola imali ekhokhelwa, ungafayela ukuqothuka kwesahluko 13 bese uqala ukwenza ukukhokha kusesahluko se-13 sokuqothuka kwemali ukuze ukhokhele i-HELOC yakho noma ubuyise imali obambele yona.
  5. Ubuye njalo ube nenketho yokuthengisa ikhaya lakho uma une-equity. Ungaphuma bese wehlisela phansi uma lokho kunengqondo ngesimo sakho.

Khuluma nommeli Wokuvikela Okusobala eduze kwakho ukuze wenze konke ongakukhetha.

Umama wami washona ngemuva kokufaka isicelo sokuqothuka. Ngabe impahla yakhe iba yingxenye yokuqothuka kwami?

Uma unyoko, uyihlo noma omunye umuntu edlula futhi akushiye okuthile kungakapheli izinsuku ezingama-180 zokugcwaliswa kwakho kokuqothuka leyo nto ingahle idonswe efeni lokuqothuka ukuze ophathe akhokhele abakweletayo. Noma kunjalo, usengakwazi ukukhipha izingxenye zayo.

Noma yini edlula:

  1. Ukuzalwa, ukuqamba, noma ifa;
  2. Njengomphumela wesivumelwano sokuxazululwa kwempahla nomlingani womuntu okweletayo, noma umthetho wokuya kwelinye izwe noma wokugcina; noma
  3. Njengomzuzi wenqubomgomo yomshuwalense wokuphila noma uhlelo lokuhlomula lokufa.

Ungadonswa efeni lokuqothuka ngumuntu ongahlawulanga imali yakho ukuze ukhokhele abakweletwayo. Kunjalo futhi ngokuqhubeka komshuwalense noma ukuhlaliswa kwezingozi ezenzekile ngaphambi kokufakwa kwamabhange.

Kukhona futhi ukuthi kungenzeka ukuthi lo msebenzi uzobandakanya isigaba se-Spendthrift trust esizogcina impahla ingaphumi efeni lakho lokuqothuka. Uma ukhathazekile ukuthi izingane zakho zingaphoqeleka ukuthi zifayele ukuqothuka noma zihlukane, ukwethenjwa okuyimali kungenye indlela yokuvikela izimpahla. Uma unemibuzo khuluma no Ummeli weWills neTrust ukwenza izinketho zakho.

Khuluma no ummeli wokuqothuka uma kukhona kulezi zinto ezenzekile kuwe, ukuthi udlule kulokho ongakhetha kukho.

Bengikhokha imali mboleko yami yemoto ngesahluko 13 seminyaka ye-2, futhi bekufanele ngiguqule kwisahluko 7. Ngingaphinde ngifake yini isahluko 13?

Yebo, ungafayela isahluko 13 ngemuva kwesahluko 7. Lokhu kubizwa ngehlaya ngokuthi Isahluko "20" 13 + 7 ... Mhlawumbe akuyona ihlaya elihlekisayo, kepha kuyakhombisa ukuthi lokhu kuyinto evamile ukuthi abameli namajaji bahlekise ngakho. Ngaphansi kwecala lokuqothuka i-13, ungakwazi ukukhokha inani lemoto yakho ukukhokha kuphela okufanelekile hhayi lokho okukweletwayo.

Kodwa-ke, uma usesimweni esibhalwe ngenhla sine-13 yesahluko esiguqulwe kwisahluko 7, futhi uma wenza imali eningi kungenzeka ukuthi ukhokhele inzalo oyikweleta imoto yakho ngaphansi kwenkontileka yasekuqaleni njengokungathi isahluko 13 ayikaze ifakwe ekuqaleni. Xoxa nommeli wokuqothuka ukuze ubuze imibuzo eqondene necala lakho futhi ubone ukuthi ngabe "isahluko 20 Bankruptcy" sikulungele.

Ngingakwazi ukufaka ifayili lokuqothuka kweSahluko 7 uma ngenza imali eningi?

Kukhona okuxolelwe ku-Isahluko 7 izindlela zokuhlola.

  1. Uma iningi lesikweletu sakho lihlobene nebhizinisi, ungagwema Isahluko 7 sisho isivivinyo.
  2. Uma usebenza ngokugcwele embuthweni wezempi, ungagwenywa kwisahluko 7 kusho isivivinyo.
  3. Kukhona i-prong yesibili esahlukweni se-7 sokuqothuka okusho ukuhlolwa. Uma unemiphungulo eyanele ezigabeni ezifanele futhi ungafaka ifayili lokuqothuka kwesahluko 7.

Indlela elula yokuthola ukuthi uyafaneleka yini ukukhuluma nommeli wokuqothuka. Ngiyazi ukuthi kungangethusa ukuxoxa izindaba zakho, kepha nsuku zonke, inkampani yami eqinile isiza abantu abanjengawe ukufayilisela ukuqothuka.

Ingabe ukhona ummeli wokuqothuka eduze kwami?

Sinamahhovisi asemthethweni eJersey City, eHackensack, eNew York City, eBrooklyn naseFreehold, NJ yabameli bethu ukuhlangana namakhasimende mathupha. Noma kunjalo, le yi-2018. Uma ufuna ukukhululeka ezikweletini, izici eziningi zokugcwalisa icala lokuqothuka zingasingathwa ngocingo, ngewebhusayithi yenkampani, i-imeyili kanye / noma ifeksi. Kwesinye isikhathi ngeke sihlangane namakhasimende kuze kube umhlangano wokuqala wababolekisi nge-Bankruptcy Trustee. (Uma ukhathazekile ngokuya enkantolo, amacala amaningi okuqothuka kwe-7 kanye namacala we-13 kumane kubandakanyeke umhlangano owodwa ne-trustee eqeda imizuzu eyi-5. Kunezinye izinto eziningi abameli bethu abazenzayo ukuqinisekisa ukuthi ninomhlangano owodwa kuphela. Isahluko se-13 icebo sizohlala iminyaka eyi-3 ukuya kwi-5, kepha kufanele uhlangane ne-trustee eyodwa kuphela ngaphandle kokuthi kwenzeke into evamile.)

Lapho ufuna ukukhishwa kwesikweletu ngokugcwalisela ukuqothuka kokuba nommeli onolwazi ngomkhuba oseduze kwakho kungenzeka ukuthi uvakashele inkampani yabameli ukuze uhlangane nommeli uqobo. Indawo yezomthetho eseduze kwakho yenza kube lula ukuxhumana nommeli ukuthola izeluleko ngokuvakashela ummeli ehhovisi lakhe. Siyayazisa imfihlo yakho. Ngakho-ke, ukubonisana kwamahhala kokuqala kungaphathwa ngocingo noma ungaxhumana nommeli nge-imeyili ngayo yonke imibuzo yakho. Ukuqothuka akuyona ngaso sonke isikhathi usizo olungokomthetho lwamakhasimende ethu oludingayo ukuphatha izikweletu zawo. Siyaqonda ukuthi ufuna ukukhululeka esikweletini kulabo obakweletayo okungasho noma yini ukuvimba ukubonwa noma ukuqeda isikweletu sakho sekhadi lesikweletu. Sinabameli abanokuhlangenwe nakho kweminyaka yokusebenza komthetho wokuqothuka ukukunikeza izinsiza ezihamba phambili ezihlobene necala lakho. Sifuna ukuvikela amalungelo akho, futhi sinabameli abaningi abasebenza ngomthetho eNew Jersey naseNew York abahlinzeka ngemisebenzi ehlukahlukene. Sifuna ukuqinisekisa ukuthi wonke amalungelo akho ayavikelwa nokuthi zonke izindawo izidingo zakho ziyahlanganiswa. Wonke Amalungelo Agodliwe.

Indlu yami iyachazwa ukuthi yini okufanele ngiyenze?

Ukuthi ngabe uboniswa ukubekelwa phansi i-tax Lien noma ukuvezwa kwembambiso yakho onayo unesikhathi esingafani nenqubo yokuboniswa kwangaphambi kwesikhathi. Yiziphi izinketho onazo zokugcina ikhaya lakho zincike ngokuphelele esimweni sakho sokuhlangana. Khuluma nommeli namuhla. Noma ungacabangi ukuthi ungakwazi ukukhokhela ummeli, udinga ukuqonda umugqa wesikhathi wokubekwa phambili. Ungabhekani nokuthi kungenzeka ulahlekelwe yikhaya lakho ekubonakalweni wedwa.

Sisindisa amakhaya. Ake sikusize ugcine eyakho.

ISIQINISEKISO SESIQHAWU SOKUQHAWULA SOKUQHAWULA NGOKUTHULA -BHEKA US NGAMAHHALA. Dlulela kukho konke ongakhetha kukho. Funa isu lokusindisa ikhaya lakho, noma uhlale ekhaya lakho isikhathi eside ngangokunokwenzeka ngokomthetho. Ihhovisi lami lazi kahle umthetho we-Foreclosed, umthetho wokuqothuka, Ukulungiswa kwesikweletu, kanye neLand Lord Tenant Law eNew Jersey. Ngibuze ukuthi ungawonga kanjani umzi wakho. Noma, ungamisa kanjani ukuThengiswa kweSheriff. Noma, xosha umqashi ongakhokhi. Noma, ukuthi ungayenza kanjani imali ngepropathi yakho ngenkathi ubonakele. Noma, noma yini enye ofuna ukuyazi. Ngigxile kakhulu ekusindiseni amakhaya.

Vikela AMALUNGELO WAKHO NGEKHAYA - Musa ukusunduzelwa ngumbolekisi wakho. Zonke izinyathelo ozithathayo namuhla zisho isikhathi esithe xaxa endlini yakho ukuthola isisombululo. Uma ungaphenduli isikhalazo, ungalahlekelwa yikhaya lakho ezinsukwini ze-180. Ungabakholelwa abantu abathi kuthatha iminyaka ukubonwa kabusha eNew Jersey. Uma uphendula isikhalazo ngendlela engafanele, ungadela izindlela zokuzivikela okufanele ukhulise ngazo ukusindisa ikhaya lakho.

  • YENZA IMALI YAKHO YOKUKHANYA - Uma ufanelekile, unganciphisa izinkokhelo zakho, wehlise inani lenzalo yakho, futhi ezimeni ezingejwayelekile unciphise lokho okukweleta uthishanhloko wempahla yakho ebanjiswayo.
  • DECLARE BANKRUPNA kodwa KUPHELA uma lokho kuyindlela yakho enhle. Ukuqothuka kungasetjenziswa ukuphoqa ibhange ukuthi libuyekeze imalimboleko yakho yokushintshwa noma ngabe wenqatshelwe ukuguqulwa kwemalimboleko phambilini.
  • Thengisa IKHAYA LAKHO UKUZE UTHATHE IMALI EPHEPHA LAKHO NOMA UKUTHOLA ISENZAKALO E-LIEU YOKUQWALASELULA: Noma ngabe ungaphansi kwamanzi futhi ungasayifuni impahla yakho, kunezindlela zokugwema ukwambulwa kwirekhodi lakho.
  • Sebenza nenkampani ezozama ukuthenga indlu yakho esebhange lakho: Lokhu kungazwakala njengokudubula isikhathi eside, kepha sisebenzisana nabatshalizimali abafuna ukusebenzisana nawe ukuthenga imalimboleko yakho futhi sikunikeze imali mboleko yemalimboleko ngenkathi bekusiza ekwakheni kabusha isikweletu sakho.

Ngishayele ucingo MANJE e (844) 5-DEFENSE - 844-533-3367 to go over YONKE INDLELA YAKHO, noma ngithumele i-imeyili ku [Email protected]. Ngizosebenza nawe ukusindisa ikhaya lakho.

Ngikumisa kanjani ukudayisa iSheriff?

Kunezindlela eziningana zokumisa ukuthengiswa kwe-sheriff eNew Jersey. Njengelungelo, ummangalelwa angafaka isicelo sokwengezwa sezinsuku ezi-28 nasesherifu. Lokhu kuzohlehlisa ukuthengiswa kuphela. Kukhona ezinye izimo lapho kungenzeka ukuya kumahluleli ngesinyathelo esivelayo sokumisa ukuthengisa. Umyalo Wokubonisa Imbangela yithuluzi elivumela ijaji ukuthi lenze isinqumo ngosuku olufanayo noma libeke umugqa wesikhathi ophelelwe isikhathi ukubusa ngodaba. Le nqubo isetshenziselwa cishe zonke izindaba eziphuthumayo.

Uma ucabanga ukuqothuka, zombili izahluko 13 nesahluko 7 ukuqothuka kuzomisa ukuthengiswa. Kodwa-ke, uma ngabe uxoshiwe ngokuxoshwa ngosuku lokugcina lwe-180 noma uvinjelwe ekugcwaliseni ukuqothuka ungahle ube nezingqinamba ezidinga ukunqotshwa.

Abathengisi bakwaSheriff eNew Jersey bazobangela ukuba le ndlu ithengiselwe umuntu wesithathu endalini, noma ibhange libe ngumnikazi endalini. Ngakho-ke uma ukuvunyelwa kokuthengiswa kungenzeki, ukuqothuka kungenzeka kube ukuphela kwendlela yokonga ikhaya lakho.

Isahluko se-7 ukuqothuka kuzolibazisa inqubo yokuthengisa. Futhi, uma une-equity ekhaya lakho isiqendu se-7 trustee singazama ukuyithengisa ukuze yanelise okweletayo kubo bonke obakweletayo.

Isahluko se-13 ukuqothuka kuzokuvumela ukuthi uqale uhlelo lokukhokha ukuze ubuyisele emuva imali oyikhokhile (izinkokhelo ezingabanjwanga) kwimalimboleko yakho oyibolekile ebhange lakho noma kwisebo yemalimboleko yakho futhi ucele ukubolekwa kweMalimboleko ngokuqothuka. Uma wenqatshwe kudala, ukuqothuka kungakunikeza elinye ithuba ebhange livuma ukulahlekelwa izinketho zokunciphisa izindleko ezifana nokuguqulwa kwemalimboleko, itayitela endaweni yokubekwa phambili, ukuthengiswa okufushane noma ukuthengiswa okuvamile uma une-equity.

Ukuxoxa nommeli ngaphambi kokwenza noma yisiphi isinqumo kuvame ukuthi kube yiyona ndlela yakho engcono kakhulu.

Ayini amalungelo ami?

Noma ngubani obhekene necala unamalungelo athile asemthethweni. Unelungelo lokuthula lapho ubuzwa imibuzo. Akudingeki usho lutho ngamaqiniso amacala akho. Uma wenza njalo, izitatimende zakho zingasetshenziswa kuwe enkantolo yenkantolo kubandakanya necala lakho. Unelungelo lokuba khona kommeli noma ngabe yimiphi imibuzo. Uma ungakwazi ukukhokhela ummeli, kuzoqokwa umuntu wakho. Empeleni, ukuqokwa kommeli kammangalelwa ongakwazi ukukhokhela ummeli kuvame ukwenzeka kuze kube kuvela inkantolo yokuqala. Unelungelo lokubhekelwa ibheyili ngaphandle kwamacala okubulala.

Ngisifaka kanjani isikhalazo kummeli wami?

Emazweni amaningi, ikakhulukazi amazwe omthetho wezomphakathi, kuye kwaba nesiko lokunikeza imisebenzi eminingi yezomthetho kubabhali bezomthetho abomthetho abahlukahlukene, omabhalane, kanye nababhali.Lawo mazwe awanayo “abameli” ngomqondo waseMelika, yize lelo gama libhekisela ohlotsheni olulodwa lomuntu ohlinzeka ngezinsizakalo zomthetho; esikhundleni salokho, ubuchwepheshe babo bezomthetho buqukethe inani elikhulu lezinhlobo ezahlukahlukene zabantu abaqeqeshelwe umthetho, abaziwa njengabagwebi, abanye babo abangabameli abanamalayisense okusebenza ezinkantolo. Kunzima ukwakha i-generalizations efanelekile ehlanganisa wonke amazwe ubuchwepheshe obuningi bezomthetho, ngoba izwe ngalinye ngokwesiko lalinendlela yalo eyingqayizivele yokuhlukanisa umsebenzi wezomthetho phakathi kwazo zonke izinhlobo zalo zochwepheshe kwezomthetho

Ngubani owenza izinqumo ngecala lami?

Esecaleni lobugebengu uthatha isinqumo sokuthi: uya enkantolo noma uvume icala, unecala lokugwetshwa noma icala lokuya ebhentshini, ufakaze noma uqhubeke nelungelo lakho lokuthula. Kwicala lombango ummeli wakho kufanele abonisane nawe ngaphambi kokwenza noma yisiphi isinqumo sokuxazululwa.

Ngenzenjani uma ngingakwazi ukukhokhela ummeli?

Uma ubandakanyeka ecaleni lobugebengu, ezimweni eziningi ungaba nommeli oqokelwe kuwe uma inkantolo ithatha isinqumo sokuthi awukwazi ukukhokhela ummeli. Ungase futhi ube nelungelo lokuba nommeli oqokwe yinkantolo kwezinye izindaba zomphakathi ezibandakanya ukulahleka kwenkululeko yomphakathi njengokuzibophezela kwezempilo yengqondo noma ukulahlekelwa kwamalungelo wobazali. Inkonzo yokudlulisa abameli ngokuvamile inikelwa yizinhlangano zababeli bakahulumeni nabasekhaya njengoba umsebenzi womphakathi. Inhloso yenkonzo yokudluliselwa kwabameli ukukhulisa ukufinyelela kwezomthetho ngokudlulisela amalungu omphakathi jikelele kubameli bezenzo ezizimele noma ezinhlanganweni zosizo zomthetho noma kuma-ejensi ngemali ekhokhwayo. Ngokunyuka, umphakathi uphambuka kulezi zinsizakalo.

Ingabe ngizokhishwa ngaphandle kwendlu yami ngemuva kokuvezwa?

Uma ikhaya lakho labikwa ngaphambili, futhi ungakhokhi imali yokuqasha kumnikazi omusha kungenzeka ukuthi kube nethuba le-100% lokuthi ekugcineni uzosuswa ekhaya lakho. Ngokuya ngesimo sakho, ungahle ube nezinketho zokuhlala ekhaya lakho.

Uma ungumqashi ngokuqasha okuvumelekile, ngokujwayelekile uzokwazi ukuqhubeka ngaphansi kokuqashiswa nomnikazi omusha uma uqhubeka nokulandela ukuqasha. Kodwa-ke, uma umnikazi ethenga lo mhlaba ngenhloso yokuwenza ube ngowakhe.

Ukucaphuna uMnyango Wezindaba Zomphakathi waseNew Jersey, ukuhlukaniswa kwamakhodi namazinga. I-Landlord-Tenant Information Service, IMIBHALO YOKUTHOLA UBULLETIN

“Umnikazi womhlaba angafaka isicelo sokuxoshwa, uma umnikazi wesakhiwo esine ezintathu amayunithi wokuhlala noma ngaphansi afuna zitholele iyunithi uqobo noma unenkontileka yokuthengisela umhlali indawo kumthengi ofisa ukuyithatha ngokwakhe futhi inkontileka yokuthengisa iyabiza ukuthi iyunithi lingasebenzi lutho lapho kuvalwa. Isaziso Sokuyeka kufanele sinikezwe kuMqashi okungenani izinyanga ezimbili ngaphambi kokugcwaliswa kwesimangalo. Akukho zinyathelo ezingokomthetho ezingathathwa kuze kuphele isikhathi sokuqashisa. ”

Ukuthola eminye imininingwane ngamalungelo akho njengomqashi ohlala esakhiweni esichaziwe, shayela ummeli noma ufunde TOOLKIT YAMAKHONO Aphila NGEMPELA IMITHETHO EFANELE yihhovisi lama-Advocates aseNew Jersey.

Khumbula ukuthi umnikazi omusha futhi unesibopho sediphozi yakho yezokuphepha. Ungakholelwa kumnikazi omusha uma ekutshela ukuthi ubuyisele idiphozithi yakho kusuka kumnikazi wakudala. (Bheka NJSA 46: 8-20 kanye -21).

Kuthiwani uma bengingumnikazi ngaphambi kokudalulwa?

Ukube ubungumnikazi wangaphambilini, amalungelo akho okuhlala kule mpahla avikeleke kakhulu kunomqashi. Ngemuva kokuthengiswa kwesherifu, kunesikhathi sezinsuku ezingama-10 lapho ungathola ithuba lokuhlenga leyo ndawo ngokukhokha isheriff ebhalwe ebhange. Iningi labantu alinayo imali yokwenza lokhu, nokho, kuleso sikhathi usuwumnikazi wempahla kuze kube yilapho intengo ephelele yendali ikhokhwe futhi ne-deheriff deed ingakathunyelwa. Kodwa-ke, ngemuva kokuthi itayitela lasesherifu selilethwe, umnikazi omusha angakwazi ukukuxosha ekhaya lakho langaphambili.

Ungazama ukuthola ukhiye wezinkinobho ezivela kumnikazi omusha ukuze uphume. Awukaqinisekiswa lutho ngomthetho, noma kunjalo abanikazi abasha abasha bazonikeza isamba semali ukuze ungenzi impahla futhi uvume ukushiya ngosuku oluthile ukungabaphoqi ukuthi bakukhiphe.

Wena njengomnikazi wangaphambili ungaba nengxenye yonyaka noma ngaphezulu kokuqasha indawo yokuhlala kwezinye izimo. Lokhu akuqinisekisiwe ukuthi kwenzeke kodwa ezimweni ezingavamile, ibhange lingathenga impahla libuyisele emuva bese lingahambisi i-Writ of Possession khona lapho. Kulezi zimo, kwesinye isikhathi abantu abadedelwa kuze kube yilapho ibhange lithengisa ikhaya njenge- Reo (I-Bank ephethwe yi-Real Estate). Imvamisa ekuphetheni kokuthengiswa kweNew York Sheriff's, ukwahlulela impahla kufakwa kanyekanye, kukhishwe umlobi wePossession. AbakwaSheriff babe nezinsuku ezingamashumi amathathu zokusebenzela iWhit Possession kuwe njengomnikazi wangaphambili.

The Okwangempela Usuku lokukhipha

Ngemuva kokuthi abakwaSheriff bakusebenzise i-Writ of Possession kuwe, unikezwa izinsuku ezingamashumi amabili zokuhamba. Ngosuku lwamashumi amabili nanye ngemuva kwenkonzo ye-Writ of Possession, uma wena nomndeni wakho ningaphumanga kuleso sakhiwo, umthengi noma ummeli womthengi ubiza iHhovisi lakwaSheriff ukuthi lihlelele lokho okuzokhishwa. AbakwaSheriff bayobe sebebeka usuku lokuxoshwa, okuvame ukuba ngaphambi kwezinsuku ze-30 kusukela ngosuku kwafakwa isinqumo. Umnikazi omusha uzohlela i-Locksmith ngesikhathi esinqunyelwe uSheriff wokukhiya. Kukhona ezinye izindlela zokubambezeleka kosuku langempela lokukhiya ngokuya enkantolo nokucela ijaji isikhathi esengeziwe.

Manje uyaqonda ukuthi kungani abanye abanikazi abasha bekunikeza imali yokuhambisa.

Shayela Ummeli Manje