Abanye states ukhusele epheleleyo ixabiso ikhaya lakho
Xa kokuqwalasela bankruptcy, seniors kwaye retirees kufuneka qwalasela ubunzima babo iinketho ngenyamekoNgexesha Isahluko ezisixhenxe okanye Isahluko ishumi elinesithathu bankruptcy ingakunika seniors indlela ukukhombisa u-ityala trouble, ke kubalulekile ukuqonda oko bankruptcy unako kwaye akanako ukwenza. Kuba baninzi seniors, imiba ethile isityalo phezulu enxulumene nayo ekhaya ubunini, Ukhuseleko Lwezentlalo, kwaye yomhlala-phantsi. Kwaye abanye seniors unakho ukufumana ukuba zabo ingeniso kwaye impahla yexabiso ikhuselwe nkqu ngaphandle filing kuba bankruptcy. Nanku rundown ezinye ngemiba echaphazela seniors abo ifayile ye-Isahluko ezisixhenxe okanye Isahluko ishumi elinesithathu bankruptcy. Kwisahluko Se - zisixhenxe bankruptcy kufuneka onikwe imvume yokulahlela kakhulu okanye zonke yakho amatyala kwaye baguqukele phezu nonexempt impahla yexabiso bankruptcy-trustee abaya kuthi ngalo lendlu kwaye usebenzise proceeds imali yakho creditors. Isahluko se - zisixhenxe iyafumaneka ukuba abo abantliziyo ingeniso ngu ngezantsi median umvuzo kwi-imo yabo okanye kuba abo okokuba a kuthetha uvavanyo ukuba lubonisa ukuba azinazo ngokwaneleyo disposable income ukuba ingxowa-mali i-Isahluko ishumi elinesithathu repayment sicwangciso. Isahluko ishumi elinesithathu Bankruptcy Kwisahluko ishumi elinesithathu bankruptcy, nigcina yakho yexabiso kunye nempahla kwaye lihlawule ezinye yakho amatyala nge-intlawulo isicwangciso ukuba isekho noba ezintathu okanye emihlanu. Isahluko ishumi elinesithathu iyafumaneka ukuze abo asingawo eligible for Isahluko ezisixhenxe okanye kuba abo ufuna ukugcina ngakumbi zabo zexabiso ngaphandle Isahluko se - zisixhenxe bankruptcy ingaba ukuvumela. Kwisahluko Se - zisixhenxe bankruptcy, ukuba unayo ezibalulekileyo ekhaya ezilinganayo ukuba ayikho ukhuselwe a homestead somthetho sokukhululwa (i-mali oko kukuthi ezikhuselweyo kwi-bankruptcy) bankruptcy trustee uza ngalo ikhaya lakho ukuhlawula yakho creditors. Amaxesha amaninzi, seniors ingaba ngakumbi semngciphekweni yokulahla emakhayeni abo kuba abaninzi behlawule ngaphandle zabo mortgages okanye kuba inkulu izixa-mali ka-ezilinganayo kwi-emakhayeni abo.
Isixa-mali ezilinganayo oko kukuthi ezikhuselweyo kwikhaya lakho iyaguquguquka yi-state.
Abanye ukukhusela kuphela encinane isixa-mali
Uvela indlela homestead somthetho sokukhululwa imisebenzi, kwaye ukufunda malunga homestead somthetho sokukhululwa imithetho yakho urhulumente, bona Isahluko sesi - zisixhenxe Homestead somthetho sokukhululwa. Kwisahluko ishumi elinesithathu bankruptcy, ufuna ukugcina ikhaya lakho njengoko ixesha elide njengokuba uqhubekeka imali yakho mortgage. Isahluko ishumi elinesithathu kananjalo inika indlela kuba ukubhatala mortgage arrears. Uvela njani bankruptcy kungasinceda xa ufuna ngasemva kwikhaya lakho intlawulo, khangela Ukugcina Ikhaya Lakho ukusuka Foreclosure kunye Bankruptcy.
Abaninzi seniors rely umhlala-phantsi kwi-akhawunti ingxowa-mali yabo indlela: eminyaka.
Uninzi umhlala-phantsi-akhawunti ikhuselwe kwi-bankruptcy. Phantse zonke izinto-exempt umhlala-phantsi-akhawunti ikhuselwe kwisahluko Se - zisixhenxe bankruptcy yi-federal umthetho, kuquka (k)s, (b)s, inzuzo-yokwabelana kwaye imali yokuthenga izicwangciso, IRAs, kwaye ochaziweyo-inzuzo izicwangciso. Seeveki okukodwa, somthetho sokukhululwa isixa-mali yi-unlimited oko kuthetha ukuba uyakwazi exempt yonke imali kwi-akhawunti. I-okukodwa usebenza esiqhelekileyo kwaye Roth IRAs ezo akhawunti ingaba exempt phezulu ukuya zidibene ezingama-dollazi. Kwisahluko Se - zisixhenxe bankruptcy, ufumana ingeniso evela Ukhuseleko Loluntu okanye Ukhuseleko Loluntu Ukukhubazeka ngu sikhuselwe. Okanye lento ingeniso 'counted' ukulungiselela i-Isahluko se - zisixhenxe kuthetha uvavanyo. Oku kuthetha ukuba ingaba kusenokwenzeka ukuba bafanele kuba Isahluko se - zisixhenxe bankruptcy ukuba zonke okanye uninzi ingeniso yakho ivela Yokhuseleko Lwezentlalo.
Kwisahluko ishumi elinesithathu bankruptcy, yakho Yokhuseleko Lwezentlalo ingeniso ingaba oku kubandakanya xa umisela indlela kakhulu kufuneka ahlawule nyanga nganye ngokusebenzisa yakho repayment sicwangciso.
Uvela njani Yokhuseleko Lwezentlalo ingeniso ngamanzi acociweyo kwi-bankruptcy, bona Ngu-arhente Yokhuseleko Lwezentlalo Ekhuselekileyo Ngexesha Bankruptcy. Ukuba ungummi yabalawuli kunye abancinane ingeniso engelilo Yokhuseleko Lwezentlalo kwaye hayi ezininzi impahla yexabiso, ingeniso yakho kunye nempahla zibe ezikhuselweyo ubukhe musa ifayile bankruptcy. Creditors abo get izigwebo ngokuchasene awukwazi ukuthatha yakho Yokhuseleko Lwezentlalo ingeniso kwaye unako kuphela thatha ukuya kwi-amabini anesihlanu yakho omnye umvuzo (ngaphantsi ukuba ingeniso yakho ngu ngezantsi). Kukho izinto ezimbalwa ezizodwa ukuba lo umthetho. Creditors unako rhoqo thatha ezinye yakho Yokhuseleko Lwezentlalo ingeniso xa ukuqokelela izinto ezithile amatyala, student iimali-mboleko, kwaye umntwana inkxaso. Ukuba ufuna musa owakhe ikhaya lakho (okanye akunayo na ezilinganayo kwikhaya lakho) okanye cinga imoto, expensive jewelry, okanye ezinye pricey impahla yexabiso, emva koko creditors akunayo impahla yexabiso ukuthatha evela kuwe. Phantse zonke states ukukhusela impahla, furnishings, abanye ezilinganayo kwi imoto, nezinye izakhelo. Ukuba creditors ayikwazi hamba emva kokuba ingeniso yakho okanye ipropati, ngoko ke cinga kabini malunga nokuba bankruptcy kuyimfuneko.
