Isahluko 13 ummeli wokuqothuka

Isahluko 13 Ukuqothuka

Ukuqothuka kwe-Isahluko 13 kuzoyeka ukudalulwa. Uma ufaka ukuqothuka kweSahluko 13, ngeke ulahlekelwe yinoma iyiphi impahla kubaphatheli bokuqothuka inqobo nje uma ukwazi ukukhokha. Uma ungakwazi ukukhokha noma uhlele ukuncishiswa kokulahlekelwa ungasindisa ikhaya lakho ekubonakaleni.

Uma wenqatshwa esikhathini esidlule ngokuguqulwa kwemali mboleko isahluko 13 singakunika okunye ukudubula ngokuguqulwa. ENew Jersey isehluko sokuqothuka kwe-13 sikuvumela khokha i-60% kathishanhloko wakho nenzalo kanye ne-100% yescrow yakho kumbolekisi wakho ngenkathi kunciphisa ukulahleka. Amarrear akho ngokuvamile akhokhwa ngokuhlukanisa imali oyikhokhile nge-60 ukuze kuthi uma uqeda uhlelo lwakho lwe-13 lwesahluko seminyaka engu-5 izinkokhelo zisazokhokhwa ekugcineni. Isahluko se-13 trustee sikhokhwe i-10% yezinkokhelo zakho ukukhokhela izinsizakalo zabo. Uma unemibuzo khuluma nommeli we-NJ Foreclosure Defense okuqondayo ukuqothuka.

Ubunzima bezezimali bungenzeka kunoma ngubani. Kwesinye isikhathi, kunzima ukubhekana nalolu hlobo lwesimo wedwa. Ngenhlanhla, kunezixazululo nabachwepheshe abalindele ukusiza lapho ubunzima bezimali buba nzima kakhulu ukuthwala bodwa. Uma uthola ukuthi isikweletu sakho asinciphi, kodwa kunalokho sikhula singapheli, kungenzeka kube yisikhathi sokubonisana nommeli wokuqothuka kwezezimali eSahluko 13 eNew Jersey.

Uma ungakufanelekeli ukufayelwa Isahluko se-7 sokufa, ukuqothuka kweSahluko 13 kungaba yindlela engcono kakhulu. Isahluko 13 sivame ukubizwa ngokuthi ukuhlelwa kabusha kwesikweletu noma ukulungiswa kwezikweletu. Ngokungafani nokuqothuka kweSahluko 7 okuqeda noma ukuqeda isikweletu, ukuqothuka kweSahluko 13 kusiza okweletayo ukuthi akhokhe isikweletu sabo. Ngamanye amazwi, Isahluko 13 sidinga ukuthi okweletayo afake uhlelo lokukhokha ukuze akhokhe zonke noma izingxenye zezibopho zakhe. Ukuze ulungele iSahluko 13, okweletayo kufanele abe nemali engenayo yamanje.

Kuwukuhlakanipha ukufuna izeluleko ezingokomthetho zommeli onguchwepheshe wokuqothuka kweSahluko 13 eNew Jersey. Ukugcwalisa iSahluko 13 kuphela akunconywa. Amaphutha nezincwadi ezingalungile kungenza ukuthi inkantolo ilibazise noma iphike icala lakho. Ukwehlisa noma ukwenqaba icala lakho kungaholela ekutheni kube nezindleko eziningi zenkantolo nezimali ebezingavinjelwa uma ngabe ummeli wabhaliswa okokuqala. Ngaphezu kwalokho, ukucindezela nekhanda lokugcwalisa kuphela kungangayifanele inkathazo yokuzama ukonga imali encane.

Ihhovisi likaPatel & Soltis, LLC, lingakusiza ngokuqothuka kwakho kweSahluko 13, noma ngabe utholakala eJersey City, NJ; IHackensack, NJ; IFreehold, NJ; Newark, NJ; I-Brooklyn, NY; noma eNew York City, NY.

Ukufanelekela iSahluko 13 Ukuqothuka

Abantu abahola imali ejwayelekile, kodwa ngemuva kwemali abayikhokhela njalo ngenyanga kumele bacabangele ukuqothuka kweSahluko 13. Njengoba iSahluko 13 sivumela abakweletayo ukuthi bakhokhele konke noma ingxenye yezikweletu zabo, kufanele babe nemali eyanele yokulahla ukuze benze njalo. Le ndlela ibuye ivumele abakweletwayo ukuthi basuse izikweletu ezingavikelekile. Ukuqeda isikweletu esingavikelekile kukhulula imali engabelwa ukukhokha imalimboleko yomuntu oyedwa noma oshadile. Ithrasti liqokwa yinkantolo ukuphatha, ukuqoqa, kanye nokusabalalisa izinkokhelo.

Ukuze ufaneleke ukuqothuka iSahluko 13, okweletayo kufanele ahlangane nokulandelayo:

  • Imali ejwayelekile.
  • Izikweletu ezingavikelekile ngaphansi kwama- $ 395,000.
  • Isikweletu esivikelekile ngaphansi kwama- $ 1,184,200.

Ukugcwalisa Isahluko 13 Ukuqothuka

Lapho iSahluko 13 sifakwa enkantolo, obakweletayo uletha uhlelo lokukhokha olukhombisa ukuthi bazoyikhokha kanjani imali abebekweleta yona ngesikhathi esedlule nangemanje. Kanye nakho konke okudingekayo ukuphazamiseka amaphepha, okweletayo kufanele adalule imithombo yawo noma imithombo yemali engenayo. Ngaphandle kwemali etholwa ngumsebenzi ejwayelekile, okweletayo angaphinde ahambise imininingwane yempesheni, amasheke wokuphepha komphakathi, ukungasebenzi, kanye namanani atholakala ngokuthengiswa kwepropathi njengobufakazi bemali engenayo.

Ababolekisi abahlela ukufaka iSahluko 13 kumele futhi babe ngabakhona ekuhlolweni kwabo kwentela. Ubufakazi bokubuyiselwa kwentela buyadingeka eminyakeni emine edlule. Uma okweletwayo engakwazi ukunikeza ubufakazi bokubuyiselwa kwentela, icala labo lizodilizwa. Ummeli onesipiliyoni sokuqothuka kweSahluko 13 eNew Jersey uzoqinisekisa ukuthi wonke amaphepha, amadokhumenti kanye nobufakazi kufakwa ngendlela eyiyo futhi ngokuphelele ukuvikela ukuthi icala lingachithwa.

Lapho nje wonke amaphepha adingekayo, ubufakazi, kanye nemibhalo kufakiwe enkantolo, kuzohlelelwa umhlangano wokuthola ukuthi uhlelo oluhlongozwayo luyamukeleka yini. Isikhathi sokukhokha isikweletu ngaphansi kweSahluko 13 yiminyaka emithathu kuya kwemihlanu. Lapho zonke izinkokhelo ezingaphansi kweSahluko 13 sokuqothuka sezanelisiwe, icala lizodedelwa.

Isikhalazo seSahluko 13

Okwenza iSahluko 13 sikhange ukuthi umuntu okweletwayo uyakwazi ukugcina indlu nezimoto zabo kulo lonke uhla lwamabhange. Njengoba iSahluko 13 sibeka ukuthi okweletwayo uxola ukukhokha kwabo abakweletwayo, ukugcina ikhaya lokuqala nemoto akunamphumela.

Imali ekhokhelwa imali obanjelwe kanye nemoto ngaphansi kweSahluko 13 kuzoncika esimweni sakho esithile. Lezi zinkokhelo zivame ukulingana noma ngaphezulu kwezinkokhelo zakho zenyanga ezijwayelekile. Ezimweni lapho okweletayo ngemuva noma kudlule isikhathi esifanele, izinkokhelo zizoba ngaphezulu ukuze zifinyelele esimweni samanje.

Kubalulekile ukukhumbula ukuthi konke ukukhokha kwemali ebanjiswayo kufanele kwenziwe ngesikhathi ngaphansi kwemibandela yeSahluko 13. Kodwa-ke, uma isimo sakho sezezimali siba sibi kakhulu, kubalulekile ukukwazisa Isahluko 13 ummeli wokuqothuka eNew Jersey nenkampani ebanjwa ukuqothuka ngokushesha. Ukuguqulwa kohlelo lwakho lokukhokha kungahle kuvunyelwe. Uma ungazisheli umphathi wakho obamba imali bese wehluleka ukugcina imigomo yokuqothuka kwakho, lelo cala lingachithwa.

Inqubo yokuqothuka ingaba inselele. Kepha ngokumelwa okusemthethweni okusemthethweni, kungenzeka ukuthola isixazululo sezimali esihlangabezana nezidingo zakho.

Noma ngabe useNew Jersey noma eNew York, Patel & Soltis, LLC ukhonza lezi zindawo ezilandelayo: iJersey City, NJ; IHackensack, NJ; IFreehold, NJ; Newark, NJ; I-Brooklyn, NY; noma eNew York City, NY.