Ngapha bankruptcy, anikwe nethuba ukwenza inyama qala
Personal bankruptcy yi zokugqibela khetho kuba abantu abo akanako ukuhlawula zabo amatyalaNangona ibhengeza bankruptcy yi ngesehlo soxinezelelo kwixesha umgaqo-nkqubo, kubalulekile i-khetho kuba ngabo ityala lokukhula e a umyinge ngokukhawuleza kunokuba babe bayakwazi ukuhlawula ngayo ngaphandle. Kukho iindidi ezimbini personal bankruptcy, Isahluko se - zisixhenxe kwaye Isahluko. Isahluko se - zisixhenxe bankruptcy ufuna debtor lokuhlanganisa kwaye ibango zonke iimpahla zexabiso. Impahla yexabiso ziquka amakhaya, iimoto, kwaye boats, ngokunjalo exabisekileyo khaya izinto, personal possessions, kwaye savings ii-akhawunti kwaye investments. States kuba ezahlukeneyo izikhokelo malunga ntoni na ukukhutshelwa umntu unako ukugcina. Naluphi na utyalo mali okanye efanayo zexabiso ingaba liquidated, kwaye ngoko zonke impahla yexabiso ingaba nikezelwa inkundla. Nayiphi na imali efunyenwe kwi ziyathengiswa isetyenziselwa yi-iinkundla ukuba ahlawule ityala emva ka-oyedwa filing kuba personal bankruptcy. Nayiphi na amatyala na imali ebolekiweyo bakhululwe, kwaye debtor iqala inyama, kunye akukho ityala. Olu hlobo bankruptcy isetyenziselwa nge abantu abaya kuba exabisekileyo lwempahla yexabiso, uninzi rhoqo zabo ekhaya, oko ufuna ukugcina. Iinkundla uza restructure a ityala repayment isicwangciso, evumela kuthi ukuhlawula emva zabo, imali eseleyo amatyala e a thoba inzala phezu yobomi emithathu ukuya kwiminyaka emihlanu. Oku repayment ngu esweni lisebe inkundla iindlela Ngaphandle iindidi ezimbini personal bankruptcy, Isahluko ishumi elinesithathu lelona ngokufanayo. Kukho izikhokelo indawo eyenza Isahluko se - zisixhenxe bankruptcy inzima ngakumbi ukuba ifayile. Noba bankruptcy sele thabatha ukusebenza ngomhla we-credit, ukwenza oko phantse ukwenzeka ukuba isicelo semali-mboleko, okanye ukuba iqwalaselwe kuba ezinye iinkonzo ezifuna okulungileyo credit, njenge ezininzi iselula izicwangciso. I-bankruptcy ngu erased ukusuka umntu ke, umniki ngxelo emva iminyaka elishumi.
Yesibini uhlobo personal bankruptcy ngu Isahluko
I-United States (US) ayiyi kuphela kweli lizwe ukuze inikezela ukhetho lomgaqo-personal bankruptcy abantu abakhoyo ayikwazi ukuba lihlawule zabo amatyala. Ecanada sele inkqubo kakhulu efanayo ukuya KUTHI ke. Aseyurophu, abanamatyala ubuso kakhulu stricter izohlwayo kwaye izithintelo xa filing kuba bankruptcy.
Umzekelo, kwi-Italy, debtor filing kuba bankruptcy zibe ezifunekayo ukuze bazisunduze wakhe okanye yakhe incwadi yokundwendwela de emva iinkundla kufuneka alahlwayo kwabo, ekupheleni inkundla iingxoxo. E-Australia, kuphela abantu banako yiya bankrupt Onke amashishini hamba nge-liquidation inkqubo ukuhlawula emva creditors.
Iintlobo ezahlukileyo personal bankruptcy zikho zonke phezu kwehlabathi, kodwa siseko engundoqo ingaba ngokubanzi efanayo.
I-debtor noba sells yakhe okanye yakhe yexabiso ukuhlawula emva amatyala okanye ingene inkqubo eyandisiweyo intlawulo sicwangciso. Bankruptcy, kulo naliphina ilizwe, yi ezinzima azinamsebenzi ukuba bangenele kwi lightly. Nabani na khawucinge nge-filing kuba bankruptcy kufuneka uhlole bonke abo iinketho ngenyameko. Credit counseling okanye ityala consolidation imali ingaba amanye avenues ka-nomngeni nge kunzima mali imeko. Ukuba bankruptcy ingaba eyona ndlela ingcono, qhagamshelana a bankruptcy lamagqwetha kuba ulwazi njani ukuqhubeka, kunye uncedo igqiba nguwuphi iintlobo ezimbini personal bankruptcy uza eyona isuti iimfuno zakho. A debtor isenako ukugcina exabisekileyo asethi efana ekhaya okanye imoto kwi Isahluko se - zisixhenxe ngoba, kwiziganeko eziliqela, imali owed kwi abo izinto. Iselwa rhoqo, ukutshintsha iimeko zemali kuthetha umntu struggling ukwenza indlu kwaye car intlawulo. Kwi-Isahluko, ngoko ke, kuyinto eqhelekileyo ukuba baphalaze unsecured amatyala (credit amakhadi, ukhathalelo eyilwayo kwaye njenge) kwaye zigcine ukuba ingaba secured (amakhaya kwaye iimoto, umzekelo). Apha ke le nto, nangona kunjalo creditor kufuneka awatyikitye ngaphandle kwi reaffirmation isivumelwano exela ukuba debtor unako ukuhlawula emva ityala phantsi yoqobo mimiselo. Creditors asingawo sifuna umqondiso ngaphandle ku abo ngaphandle kokuba naluphi na elidlulileyo yerente cured.
Ngamanye amazwi, ukuba ufuna Amadoda intlawulo unako lisetyenziswe nge-Isahluko ishumi elinesithathu bankruptcy, nangona kunjalo.
Kanjalo, kuyinto eqhelekileyo ukuba ahlawule kuphela yintoni owed kwi izithuthi kunokuba ntoni ngabo kanye kukunceda kakhulu. Kwiindawo ezininzi iimeko, ngoko ke, lenza ngakumbi evakalayo kwifayili a Isahluko ishumi elinesithathu kuba secured izinto i-debtor ifuna ukuba bagcine ukuba amadoda yerente i-mba. Omnye wethu abahleli uza kusihlola lonikezelo kwaye wenze utshintsho ukuba warranted. Qaphela ukuba kuxhomekeke inani iziphakamiso sifumana, oku banokuthatha naphi na kwi iiyure ezimbalwa iintsuku ezimbalwa.
