Kubiza malini ukufayela ukuqothuka eNew York noma eNew Jersey?

Buza Ummeli Wezezimali Omusha Wokuqothulwa KweNew YorkWonke umuntu olungiselela ukufayelwa ukuqothuka ufuna ukwazi ukuthi kubiza malini.

Lokhu kwenza umqondo ophelele njengoba ukuqothuka kuvame ukuza ngesikhathi lapho imali iqine. Sizama ukwenza ukuthi izindleko zokugcwalisa i-Isahluko 13 noma iSahluko 7 zifane kubantu abasebenza enkampanini yethu yezomthetho ukuze abantu bangacabangi ukuthi ngandlela-thile bangcono ngokugcwalisa enye kunenye ngokuya ngezindleko. Isahluko se-13 ukuqothuka kudinga umsebenzi omningi kunesahluko 7, kepha sikhipha inani lezimali zethu ezinhlelweni zokukhokha ezizovunywa yinkantolo ukuze sikwazi ukugcina izindleko zokuqala ziphansi.

Ngakho-ke, umbuzo wokuthi kubiza malini ukufayela ukuqothuka kuzwakala njengombuzo oqondile, futhi ngiyawuzwa nsuku zonke. Impendulo njengoba cishe nayo yonke imibuzo yezomthetho ithi, “Kuya.” “Kungani incike?” Imvamisa iba ngumbuzo olandelayo. Njengoba siqhubeka nalesi sikhala sebhulogi kufanele kubonakale ukuthi "Kuya ngokuthi".

Buza mayelana necebo lokukhokha kanye neZikhalazo Zamahhala Zokulungiswa Kwezikweletu ngemuva kokuqothuka.

Sihlukile ngoba sizokuvumela ukuthi ukhokhele ukuqothuka kwesahluko sakho se-7 ngezinhlelo zokukhokha ngemuva kokuthi sifayele ukuqothuka kwakho. Sizokubhalisela futhi nenkambo yokulungisa isikweletu yamahhala. Sizosebenza nani ngaphambi nangemva kokufaka ifayili lokuqothuka.

Izinhlelo zokukhokha ze- $ 125 noma i- $ 200 ngenyanga kuya ngokuthi ufuna ukukhokha ngokushesha kangakanani ukuqothuka kwakho.

Ngizokutshela imali yethu ejwayelekile ye-Isahluko 7 kanye neSahluko 13 khona ekuqaleni ukuze abantu abafuna ukuqhathanisa izinombolo phakathi kwamaHhovisi Omthetho, izinkampani zangaphambi kokuqothuka nokuzenza ngokwazo akudingeki ukuthi zidlule kule blog yonke post. Izimali zommeli ezenkampanini yami zafakwa eNew York noma eNew Jersey yi- $ 7 futhi sikhokhisa umgomo ojwayelekile waseNew York “Presumptive” / “No Look Fee” ngokugcwaliswa kweSahluko 1680 Bankruptcy in New York or New Jersey and thatha i- $ 13 phansi inkokhelo ukuze uqale umsebenzi ngesehluko esivamile se-1000 Bankruptcy.

Manje kungani $ 1680 yeZimali Zommeli Wesahluko 7? ($ 1680 inani lezindleko zefayela elilodwa lapho zonke ezinye izindleko zifakwa ndawonye.)

Lokhu kungazwakala njengenombolo engathandeki yemali ekhokhwayo yezindleko zommeli wokuqothuka: $ 1680 uma zonke ezinye izindleko ezihambisana zihlanganiswa ndawonye. Ngaphambi kokuthi empeleni sifake ukuqothuka sidinga Imali Yenkantolo Yokugcwalisa Ka- $ 335. Sisebenzisa umbiko ohlanganisiwe we-3-Credit Bureau yefayela elilodwa elibiza thina u- $ 33 noma i- $ 53 yokugcwalisa ngokuhlanganyela. Kunezifundo ezimbili ezelulekwa yinkantolo okufanele zithathwe: isifundo Sokwelulekwa Kwangaphambi Kwekweletu esibiza u- $ 20 uma usebenzisa umhlinzeki wethu futhi i-Second Bankruptcy Course yi- $ 15. Siphinde sibe nezindleko zesoftware ezingama- $ 37 ngecala ngalinye elifayilwayo. Lokhu kufinyelela ku- $ 1680 yefayela elilodwa noma i- $ 1680 yokugcwaliswa okuhlangene. Ungakhokhela izifundo zokwelulekwa ngesikweletu ngokwakho uhlukanise kunokuqothuka, kepha umbiko wesikweletu esiwenzayo futhi nezindleko zawo awuxoxeki. Asenzi mali kulezi, ngakho-ke simane sidlula izindleko zethu. Izindawo eziningi ngeke zikwenze uthole umbiko wesikweletu, kepha lokhu sikwenza ukuze siqiniseke ukuthi uyazi ukuthi yini ebikiwe futhi uqiniseke ukuthi yonke imininingwane ebikiwe efakiwe kumbiko wakho izofakwa ekuqothulweni kwakho noma ngabe angazi ukuthi likhona. Sizokucela ukuthi ubuyekeze lolu hlu bese sengeza abanye ababakweletayo ongababoni ohlwini. Inikeza nesikweletu sakho samanje sesikweletu bese ubikezela amaphuzu wesikweletu ngonyaka owodwa uma ungenazo izindaba zesikweletu ngonyaka olandelayo.)

Uma ngemuva kokuthatha ikilasi lokululekwa kwesikweletu, unquma ukungafaki ukuqothuka konke sizokukhokhisa izindleko zekilasi futhi ubuyise noma iyiphi imali oyibekile nathi. Uma ungathanda ikhophi yombiko wesikweletu onokubikezela okuchazwe ngemuva kokuqothuka futhi akukho okunye, sikukhokhisa imali encane yesevisi ukumboza isikhathi sokusebenza nokukuthumela i-imeyili noma ikhophi. ($ 53 kokukodwa, $ 73 yamaphuzu wesikweletu ahlanganyelwe.)

Uma ungenayo imali eyanele yokubeka yonke imali ngasikhathi sinye, sizokubeka ohlelweni lokukhokha, kodwa ngeke sifake isikhalazo sakho kuze kube yilapho imali ephelele ikhokhwe. Lapho nje isicelo sifakwa ebhokisini lika-Sahluko 7, noma ngabe iyiphi imali onayo izoba yingxenye yezikhalazo ngoba sizovele sibe ngomunye wabakweletisi benu, ngakho-ke besingakhokhelwa uma sifaka ngaphambi kwenani eliphelele okumele likhokhwe wakhokha. Singemukela ukukhokha ngokheshi, isheke, i-oda lemali noma ikhadi lokudonswa kwemali. Singawemukela amakhadi wesikweletu, kodwa hhayi uma kungawakho. Ngokuyisisekelo, awuvunyelwe ukubeka imali yakho yokubhanga ekhadini lesikweletu bese ufayila ngokuqothuka.

Siphinde futhi sinikeze okubhaliselwe okubhalwe phansi ngemuva kokuqothuka kwesikweletu kanye noMbiko Wokuqinisekiswa Kwezikweletu okunikeza imininingwane yesikweletu enikezwe izinhlangano zezikweletu zikazwelonke ngokushesha ngemuva kokuqothuka. Le nsizakalo izoqapha nombiko wakho wesikweletu bese sizokuvikela uma ngabe kukhona isenzo sangemva kokuqothuka okuhlobene nolwazi olukhishwe ekuqothulweni kwakho. Sikhokhisa imali eyisicaba ye- $ 250 uma udinga lokhu kungakapheli izinsuku ezingama-60 zokugcwalisa kanye ne- $ 500 kusuka ezinsukwini ze-61 kuya ezinsukwini ze-120.

Ngakho-ke iyini imali engabizi yokuthi "Imali Yokubheka" / "Imali Yokuqothula" yeSahluko 13 futhi kusho ukuthini lokho?

Ukuze kufakwe iSahluko 13 eNew Jersey noma eNew York, sidinga i- $ 1,250 phansi futhi sikhokhise okujwayelekile "Akukho Imali Fee" ebekwe yiNkantolo Yokunqothuka kwe-NJ Bankruptcy ye- $ 4500. (bona lapha ukuthola ingxoxo ngezimali) Lokhu kusho ukuthi $ 3,500 yemali ifakwa ezinhlelweni zokukhokha zesahluko 13. Inqwaba yemali yethu ifakiwe ezinhlelweni zakho futhi njengefemu sigqugquzelekile ukuthi uqiniseke ukuthi ungaluqedela uhlelo olwenziwayo. Uma uzama ukuqhathanisa ama-apula nama-apula sifaka imali yokufaka enkantolo yesahluko se-13 eyi- $ 310, umbiko we-bureau we-3 Bureau, ukwelulekwa kwangaphambi kokuqothuka kanye nezimali zokwelulekwa ngeposi entengo yethu yamanani aphansi. Hlola kabili ukubona ukuthi ukhokha ini ngqo nanoma yimuphi omunye umhlinzeki. Kunezikhathi lapho sikhokhisa okuningi njengokuthi kufanele sibhekane nokuguqulwa okuningi kwemalimboleko kwizakhiwo kuzifunda eziningi noma eminye imicimbi eye yawa ngaphandle kokuqothuka okujwayelekile. Sizoqinisekisa ukuthi uqonda noma yiziphi ezinye izimali ezikhokhwayo futhi sizokwazisa inkantolo yokuqothuka ngalezi zimali ngakho-ke ngeke size sizame ukudonsa ngokushesha

Ukuqothuka kweSahluko 13 kubiza u- $ 310 ukufayela eNew York, E-New Jersey, nanoma yisiphi esinye isimo ongathanda ukusibiza. Ukuguqula ukuqothuka kweSahluko 7 kuya ekuqothulweni kweSahluko 13 akudingi imali ekhokhwayo, kepha ukuqothuka kweSahluko 13 okuguqulwa kube yi-Chapter 7 Bankruptcy kunemali engu- $ 25. Ngakho-ke, azikho izindleko zokonga ezigcwalisiwe ngezindleko eziphansi zeSahluko 13 Bankruptcy and Changing to a Isahluko 7.

Izindleko zokufaka esimweni akufanele zibhidaniswe nokuxolelwa kokuqothuka, okuhlukile ngombuso futhi kukhona nokuxolelwa okungekho emthethweni okungasetshenziswa. Isibonelo, i-New Jersey ayinayo i-Homestead Exemption. INew York inokhululwa ekhaya futhi ihluka ngokwe-County.

  • INew York, Amakhosi, uQueens, uBronx, uRichmond, uNassau, uSuffolk, Rockland, Westchester, kanye noPutnam banenani elikhulu kakhulu lokukhishwa: $ 165,550
  • I-Albany, iColumbia, iDutchess, i-Orange, iSaratoga, ne-Ulster zinenani lesibili lokukhululwa: 137,950
  • Izakhiwo kulo lonke elaseNew York State zinenani elifanayo lokuxolelwa: $ 82,775

Ukuxolelwa kweFederal Homestead yi- $ 23,675 futhi kuphindwe kabili kube yi- $ 47,350 ngombhangqwana oshadile, ngakho-ke kuleli cala, ukusebenzisa ukuxolelwa kwezombusazwe kuzozuzisa umhlali waseNew Jersey kodwa hhayi umhlali waseNew York. INew Jersey neNew York bobabili bavumela abantu ukuthi basebenzise ukukhululwa kombuso noma ukukhululwa kuhulumeni.

Kuyini ukukhululwa kokuqothuka?

Kusahluko sokuqothuka kwe-7, ukukhululwa kukhomba ukuthi yini ovunyelwe ukuyigcina ngesikhathi nangemva kokufaka kwakho. Uma impahla, enjengekhaya lakho, imoto noma i-elekthronikhi ingasasebenzi, ungayigcina. Noma impahla ingekhululwa usengakwazi ukuyigcina uma umkhondli engakuboni ukuyithengisa njengendlela yokwenza inzuzo yokukhokhela abakweletayo. Noma umphathi wokuphatha imali angadinga ukuthi ukhokhe ingxenye yenani ukuze ugcine impahla ingasasebenzi. Esehlukweni sokuqothuka kweSahluko 13, ukukhululwa kuzocacisa ukuthi uzokhokha malini abanye abakweletwayo ngohlelo lwakho lokukhokha.

Ukuxolelwa ekhaya kusebenza kuphela endaweni ohlala kuyo ukuze ungakwazi ukuyisebenzisela ezinye izakhiwo. Kepha uma kuyizindawo zokutshala imali kungenzeka ukwazi ukwehlisa imalimboleko yakho kuphela lapho kufanele ukhokhe ukuthi ibaluleke ngani impahla yokutshala imali hhayi eyakho. Ngakho-ke, uma ungaphansi kwamanzi kwizakhiwo zokutshala imali okugcwalisa ukuqothuka kungenzeka kungakuchazi.

Uma udinga imininingwane eminingi noma unesifiso sokugcwalisa ukuqothuka sicela uxhumane nathi ku- (844) 533-3367 noma usithumele i-imeyili ku [Email protected]

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