Kuyini Ukuqothuka?

Ukuqothuka inqubo esemthethweni evumela abantu noma amabhizinisi athole inkululeko kwizikweletu zawo, kanti ngasikhathi sinye enikeza abakweletwayo ithuba lokukhokha. Ukuphindisela kuyahambisana uma kukhona amafa angahanjiswa. Lokhu akusho ukuthi uma ufaka ukuqothuka ukuthi uzolahlekelwa yikho konke onakho. Akusho futhi, ukuthi zonke izinhlobo zezikweletu zithethelelwe ngokuqothuka.

Ukuchithwa kwemali yicala eliyinkimbinkimbi lemithetho ebheka umbuso (okungukuthi, NJ noma NY) ukuthi kufakwa imali ebanjiwe, izimpahla kanye nemali engenayo okweletayo, uhlobo lwezikweletu olukweletwayo, nokuthi lokho okweletwayo uzama ukukufeza lapho egcwalisa ngokuqothuka.

Ukuqothuka kuvumela abantu abanjengawe isiqalo esisha noma kukuvumela ukuthi ubanjwe yimali yemalimboleko yemoto noma yemoto okungenzeka ukuthi uwele ngayo emuva, noma ngisho ukubanjwa ngentela yakho.

Yiziphi izinhlobo zokuqothuka komuntu siqu?

Kunezinhlobo ezahlukahlukene zokuqothuka, okuvame ukubhekiswa kuzo ngisahluko sazo ngaphakathi kweKhodi YaseMelika Yokunqothuka. Ukuchithwa kwemali yomuntu siqu kungesahluko 7, 11, noma 13

Ukuqothuka kusingathwa ezinkantolo zombuso, futhi imithetho ichazwa kuKhomishani Yokuqothuka yaseMelika futhi le mithetho iyathinteka ngemithetho yezwe lapho kufakwa khona imali, kanye nezinqumo zezinkantolo zokuqothuka kanye nezinkantolo ezihlukumezanayo esifundeni sazo.

Isahluko esisha sejersey 7 sokuqothuka nommeli sibiza u- $ 2500 ukufaka ifemu lethu nefemu yethu

Iba neJersey City, i-NJ Bankruptcy ummeli olungisa izinkinga zakho zesikweletu bese isebenza nawe Lungisa isikweletu sakho.

Ilungelo lokumemezela ukuqothuka likumthethosisekelo wase-United States. Abantu abaningi abadumile nabaphumelelayo basebenzise ukuqothuka ukuqala okusha. Ukwenza isibonelo, ngonyaka we-1996, uBurt Reynolds wafaka isicelo sokwehliswa kwemali eSahlukweni se-11 ngemuva kokungaphumeleli kwezindawo zokudlela, kanti isehlukaniso esimba eqolo esivela kuLoni Anderson samsifaka ekuqothulweni kwezikweletu yisisombululo esiphelele kuye. UKim Singer ulahlekelwe ngumthetho wakhetha ukufaka ifayili lokuqothuka ukugwema ukukhokha isahlulelo. ULarry King uze wakhetha ukumemezela ukuqothuka ngemuva kokufaka izikweletu ezingaphezu kuka- $ 350,000. UMark Twain umemezele ukuqothuka ngemuva kokutshalwa kwezimali okuningi okubi. Ngisho nalowo owabe enguMengameli u-Ulysses S. Grant wamemezela ukuqothuka ngemuva kokuthi uzakwabo ebhizinisini lakhe imali enkampanini yaseWall Street ayitshalile imali. Umongameli wethu wamanje ubuye wasebenzisa ukuqothuka kwezimali zebhizinisi elehlulekile. Amabhizinisi ahlulekile, isehlukaniso, izikweletu zezokwelapha, ukuba sekupheleni kokulahlwa kwecala kuyizinto zonke ezingekho noyedwa ozihlelayo kodwa zenzeke. Ukuqothuka kungaba yithuba lokugcina onalo lokusindisa ikhaya lakho.

Isiqu Sokuqothuka

Isiqu Sokuqothuka

Kungani ucabanga ngokuqothuka?
Khetha konke okusebenzayo
Amanani ahlukene wesikweletu aphathwa ngendlela ehlukile yiSahluko 7, i-11 noma i-13 yokuqothuka kwemali.
Wake wafaka imali yokuqothuka esikhathini esedlule? *
Uma uvame ukuthumela imali kwilungu lomndeni noma ukhokha uxhaso lwe-alimony noma ukwesekwa kwengane kungaba lula ngawe ukuthi ufanelekele ukuqothuka.
Uma ushadile futhi oshade naye ehlala nawe, imali yakho yomlingani ifakiwe ekuqothulweni kwemali ukuthola ukuthi ufanelekile yini esahlukweni 7 noma uma kufanele wenze uhlelo lokukhokha ngaphansi kwesahluko 13 ukuqothuka, noma kunjalo umlingani wakho AKUFANELE fayela nawe.
Ukuqothuka akuyona into eyodwa elingana nalo lonke uhlelo futhi kuthatha okungaphezulu kwekhasi le-automated ikhasi ukunikeza izeluleko zomthetho.
Akuphoqelekile
Akuphoqelekile

Thintana noMmeli Wokuqothuka eNew Jersey ongafakela esahlukweni sakho se-13 noma sehluko 7 ukuqothuka ngalolo suku.

Uma ukhetha ukumemezela ukuqothuka, unesizatho esihle. Sithinte ku (844) 5 - DEFENSE - (201) 285-2839 noma usithumelele i-imeyili ku [Email protected]

Bona lokhu okuthunyelwe uma uzibuza ngezindleko zokuqothuka.

Ngabe udinga ukufaka i-Emergency Bankruptcy petition?

Ukuqothuka kwe-New Jersey kulawulwa yibo bobabili umthetho we-New Jersey Law and Federal

Ukuchithwa kwemali, kufaka phakathi ukuqothuka kweNew Jersey kanye nokuqothuka kweNew York, kuyizinqubo zenkantolo ezihlangene ezenzelwe ukusiza bobabili abathengi namabhizinisi ukususa noma ukukhokha izikweletu zabo ngaphansi kokuvikelwa yinkantolo yokuqothuka. Umthetho wamasheya osesihlokweni 11 se-United States Code ulawula ukuqothuka kweNew Jersey kanye nawo wonke amanye amabhange. Isifundazwe ngasinye sinokuhlukahluka kwaso, ngakho-ke kuya ngokuthi ucabanga ukweqa kangakanani, ungathola okungafani nakho.

Ukuchithwa kwemali ngokuvamile kuchazwa njengokuchithwa kwemali noma ukuhlelwa kabusha. Izinhlobo ezimbili ezivame kakhulu zokuhlunga kokuqothuka kwamakhasimende ethu nguSahluko 7 no-13.

Ingenza kanjani iJersey entsha Isahluko 7 Ukuqothuka ukukusiza?

Ungase ukwazi ukugcina ikhaya lakho nemoto yakho lapho usebenzisa ummeli wethu wokuqothuka eNew Jersey. Ngaphandle kokuqeda isikweletu sakho, ngaphansi kwezimo eziningi, uzogcina ikhaya lakho, imoto yakho nezinto zakho. Lokhu kuzokuvumela ukuthi ususe isikweletu sakho bese uthola nesiqalo esisha.

Misa Ukuhlukunyezwa Kwe-Creditor

Ingabe abakweletwayo bakubiza ekhaya nasemsebenzini? Ngabe bathintana nabangane bakho namalungu omndeni wakho? Qeda ukuhlukunyezwa komuntu owukweletayo ngokukhuluma nommeli wethu wokuqothuka eNew Jersey. Lapho nje usugcine ihhovisi lethu, uzokwazi ukudlulisela abakweletisi bakho kithi. Umhlukumezi ohlukunyezwayo uzoyeka ngokushesha. Ngaphansi kwezinye izimo, lokhu kuhlukunyezwa komuntu okweletwayo kungahle kwephule umthetho we-Fair izikweletu Zokuziqoqa (FDCPA), futhi ungahle ube nesizathu sokwenza isenzo esithe xaxa.

Misa ukuhlobisa

Ngabe njengamanje uhlangabezana nokuthathwa kwemiholo yakho? Ngabe wazisiwe ukuthi ukuhlobisa ngokushesha kungaqala emholweni wakho? Ukuqothuka kweSahluko 7 kungenye yezindlela eziphumelelayo zokumisa ukuhlobisa. Ngokuxhumana nommeli wethu wokuqothuka eNew Jersey, singamisa okokuhlobisa, ukuze imali yakho isetshenziswe kangcono.

Susa Isikweletu

Izikweletu ezinjengamakhadi wesikweletu, ababoleka imali ngosuku, ukukhokha izikweletu, amacala, ukusebenzisa izikweletu, ukuphindisela, noma ukushiyeka kusengaphambili kungaqedwa ngokuphelele ngaphandle kokukhokha kwabakweletayo.

Vikela ama-Shutoffs Wokusetshenziswa

Ukhathazekile ngokuvalwa kwendawo yokusebenza? Ukugcwalisa ukuqothuka kweSahluko 13 kungavimba abakweletwayo ukuthi bavimbe insiza yakho yokusebenzisa. Thintana nommeli wethu wokuqothuka eNew Jersey namuhla ukuvikela ukuvalwa kwendawo yokusebenza okuphazamisayo ngaphambi kokuba kudale kakhulu. Sinamahhovisi amathathu eNew Jersey ukukusiza kangcono.

Ngabe i-New Jersey Chapter 13 Bankruptcy ingakusiza kanjani?

Misa Ukudalulwa KweNew Jersey kanye Nokumiswa KweSheriff eNew York

Ingabe ikhaya lakho njengamanje selibonisiwe noma usitholile isaziso sokuthengiswa kwesheriff okuzayo? Ukugcwalisa a Isahluko se-13 sokufa kuzoyeka ukubonwa kwangaphambili noma ukuthengiswa kwe-sheriff nganoma yisiphi isikhathi ngaphambi kokuthengiswa kwendlu. Ukugcwaliswa kweSahluko 13 kuzokuvumela ukuthi ukhokhe imali yakho ekhokhwa ngokweqile ngokuqothuka ngqo inkampani yakho yempahla ebanjiswayo.

Misa Ukuhlukunyezwa Kwe-Creditor

Ingabe abakweletwayo bakubiza ekhaya nasemsebenzini? Ngabe bathintana nabangane bakho namalungu omndeni wakho? Qeda ukuhlukunyezwa komuntu owukweletayo ngokukhuluma nommeli wethu wokuqothuka eNew Jersey. Lapho nje usugcine ihhovisi lethu, uzokwazi ukudlulisela abakweletisi bakho kithi. Umhlukumezi ohlukunyezwayo uzoyeka ngokushesha. Ngaphansi kwezinye izimo, ukuhlukunyezwa komuntu okweletwayo kungenzeka ukuthi kwephula umthetho we-Fair izikweletu Zokuqashwa Kwezenzo (i-FDCPA), futhi ungahle ube nesizathu sokwenza isenzo esithe xaxa.

Misa ukuphindisela

Ngabe usemuva kokukhokha kwezimoto zakho? Ingabe wesaba ukuthi imoto yakho isiseduze kokuphindaphindeka kabusha? Ukuqothuka kwesahluko 13 kungasiza ukonga imoto yakho futhi kumise inkampani yezimali ukuthi iqhubekele phambili nokuphindaphinda. Thintana nommeli wethu wokuqothuka eNew Jersey namuhla. Singakusiza ukuthi uhlanganise izinkokhelo zakho zesikhathi esedlule kanye nemali esele kwimalimboleko yakho yemoto ibe ukuqothuka kweSahluko 13. Uzokhokha imali eyodwa kumkhokhethi futhi inkampani yezimali ngeke ikwazi ukuqhubekela phambili nokuphindaphinda. Ngaphansi kwezinye izimo ,ummeli wethu obamba imali e-New Jersey angahle akwazi ukubuyisa imoto yakho ngemuva kokuphindaphinda futhi ahlanganise ibhalansi yemalimboleko yakho yemoto.

Ukuvimbela Umbuso Ushutoff usebenza ngaphansi kweSahluko 13 nesahluko 7

Ukhathazekile ngokuvalwa kwendawo yokusebenza? Ukugcwalisa ukuqothuka kweSahluko 13 kungavimba abakweletwayo ukuthi bavimbe insiza yakho yokusebenzisa. Thintana nommeli wethu wokuqothuka eNew Jersey namuhla ukuvikela ukuvalwa kwendawo yokusebenza okuphazamisayo ngaphambi kokuba kudale kakhulu. Sinamahhovisi amathathu eNew Jersey ukukusiza kangcono.

Ukuqeda Izikweletu kusebenza ngaphansi kweSahluko 7 ne-13, kepha kunomehluko.

Izikweletu ezinjengamakhadi wesikweletu, ababoleka imali ngosuku, ukukhokha izikweletu, amacala, ukusetshenziswa kwezikweletu, ukuphindisela noma ukusilela kokudalulwa kungaqedwa ngengxenyana yalokho okukweletayo.

shiya impendulo

Le sayithi isebenzisa i-Akismet ukunciphisa ugaxekile. Funda ukuthi idatha yakho yokuphawula isetshenziswa kanjani.