Izinzuzo kanye Nezingqinamba Ezingaba Zokwenzeka Zokuqothuka ngenkathi zibikezelwa eNew Jersey zichazwe yi-NJ Licensed Bankruptcy / Foreclosed Defense Attorney

Ngaphambi kokuthi ufake ifayili lokuqothuka ubonisane nommeli we-NJ Bankruptcy. Emahhovisi oMthetho kaPatel noSoltis sinikeza ukubonisana kwamahhala kunoma ngubani ocabanga ngokubhanga. Noma ngabe usayina nathi noma cha, sizodlula zonke izinketho zakho bese uphendula noma yimiphi imibuzo onayo. Uma ucabanga ukugcwalisela ukuqothuka, kungenzeka ukuthi usendaweni efanelekile yezimali esingafuni ukuyenza kabi, kunalokho uyakuqonda ukubaluleka kokuthatha isinqumo esinolwazi ngokuqothuka kunokukwenza ukhokhele ukubonisana.

Uma ubhekene ne-Foreclosure futhi ucabanga ukuqothuka, kufanele uqonde ukuthi ukuqothuka kungakusiza kanjani, kanye nezingqinamba okungenzeka ubhekane nazo uma ukuqothuka kwakho kusingathwa ngendlela engafanele. Uma wenza imali eningi, ukuba nesikweletu esikhulu kakhulu izinketho zakho zingakhawulelwa kuhlobo lokuqothuka olufayilelayo.

Isibonelo, uma une-equity impahla yakho, futhi wakhetha ukufaka ifayili lokuqothuka kweSahluko 7 ikhaya lakho lingathengiswa yiSahluko se-7 Bankruptcy Trustee ukukhokha izikweletu zakho ezingavikelekile. Kodwa-ke, uma ungenalo ukulingana noma ukulingana okuncane kakhulu, umphathi ophethe ngokuqothuka angaqoka ukushiya impahla yakho futhi angakwenzi ukuthi uthengise impahla. Ngakho-ke, abantu abangaphansi kwamanzi ekhaya labo futhi bahlangane ne-Chapter 7 Means Test bangafayela ukuqothuka kweSahluko 7 ngaphambi kokuthengiswa kwe-sheriff futhi ukuthengiswa kuzomiswa kuze kuqedwe ukuqothuka noma ukuhlala ngokuzenzakalelayo kuphakanyiswe.
Noma umnikazi Wekhaya enikezela ngempahla yakhe eSahlukweni 7 ibhange lizodinga ukuqeda inqubo yokubikezela ukuthatha ubunikazi, ngaphandle kokuthi umnini khaya avume ukuhamba. Ezimweni eziningi, umnini khaya angakhokhelwa yibhange ukuthi ahambe. Sixoxisane ngezinkokhelo ezingaphezulu kwe- $ 10,000 ngezikhathi ezithile zabantu ukuthi banikele ngamakhaya abo.

Abanini mizi abaningi abakhetha ukufaka iSahluko 7 bathola ukuthi yize bangagcina belahlekelwe yindlu yabo, basakwazi ukuhlala ezindlini zabo iminyaka eminingana ngaphandle kokukhokha. Ngokuya esifundeni saseNew Jersey ukuthengiswa kwesherifu kokugcina kungakhishwa ngaphandle. Isibonelo, eBergen County, kukhona okuthengiswa kosherifu okuhleliwe ngaphezulu kwezinyanga ze-10 ukuphuma isikhathi sokusayinwa kwesinqumo sabo sokugcina.
Ngisho nangemva kokuthengiswa kwesherifu lapho ibhange ligcina impahla njengoba kungekho othengayo ekuthengiseni isherifu. Lapho-ke impahla iba yipropathi ye-REO esebhange bese ekugcineni ithengisela umthengi. Le nqubo ingathatha isikhathi eside, futhi noma ngabe kukhona umnikazi omusha, lowo mnikazi kuzodingeka ukuthi axoxisane nomnikazi wangaphambili ukuze ashiye ohlelweni, akhokhe lowo owayengumnikazi wasekhaya ukuba ahambe, noma afayele ukuxoshwa ngaleso sikhathi abanikazi bangakudala bangavele bazivikele enkantolo abangakwazi ukwelula isikhathi abasithathayo ukuba bashiye amakhaya abo. Kokunye abanikazi bangaphambili baba ngabaqashi abasha bendlu ababeyaba nayo.
Kodwa-ke, uma abantu abafanayo bengabanikazi bezindlu befaka ifayili lokuqothuka kweSahluko 13 esikhundleni seSahluko 7 bazokwazi nokumisa ukuqothuka bese bezama ukufeza uhlelo lokukhokha nebhange. Noma ngabe ibhange lalinqabile umnini khaya esikhathini esidlule ukuze liguqulwe, kungenzeka ukuthi likwazi ukufinyelela ekunciphiseni kokulahleka kwebhange bese liphuma nomthwalo olungisiwe futhi lingadingi ukuqeda ukuqothuka.
Kwezinye izimo, noma ngabe ukuncishiswa kokuncishiswa kugunyaziwe, kungazuzisa kulowo muntu ukuhlala ebhange futhi abe nezikweletu zakhe ezingavikelekile. Ukukhishwa ekugcineni kokuqothuka uma banokuncane okulinganayo ekhaya labo. Kungakho kunenzuzo ukukhuluma nommeli oqonda umthetho wokuqothuka, kanye nomthetho wokuzivikela kusengaphambili nokuthi bahlangana kanjani ndawonye.
Kwezinye izimo, kungaba ngcono ukuthi umnini-khaya azivikele enkantolo ukuze alule isikhathi azosithathela ekuboneni ekhaya. Uma umnikazi wekhaya ebhekene nokuvezwa futhi ekhetha ukungenzi lutho bangabhekana nokuthengiswa kwe-sheriff cishe ngezinsuku ze-180 uma ummeli ophambili enza konke okufanele akwenze ngendlela efike ngesikhathi. Isibonelo uma ibhange lakho liqasha inkampani yezomthetho efana ne-MCCABE, WEISBERG neCONWAY, i-PC ungahle ubhekane nokuvezwa ngokushesha okukhulu kunokuba ungakholelwa ukuthi kungenzeka. Lapho abantu besicela ukuthi sibeke endle impahla ethile, sibatshela ukuthi bahambe ne-MCCABE, WEISBERG & CONWAY, i-PC ngoba asizibekeli abantu phambili, futhi bayinkampani yezomthetho ehamba phambili esiyibonile ngokushaya yonke imigqa yesikhathi ngamaphepha alungiselelwe kahle. Ungakholelwa kunoma ngubani okutshela ukuthi konke ukubikezelwa kuthatha iminyaka ukukuqedela. Lokhu akulona iqiniso.
Uma ubhekene necala lokubonakaliswa kwentela esikhundleni sokudalulwa kwempahla yakho isikhathi sokuphendula ngokushesha okukhulu, futhi uma wawukhonza kahle ungalahlekelwa yikhaya lakho ngosuku lapho ijaji lisayina i-oda livumela lowo okweletwayo isitifiketi.

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