Emva kokuba isicelo sokuchithwa kwe-bankruptcy sifakwe "ukuhlala kwenkqubo" eqala ukusebenza ekhusela abathengi abangaqinisekanga ukuba baqalise okanye baqhube isenzo somthetho kumntu-mboleko ukuze bafumane imali.
Kwimeko yokubhankanya umntu, ukuhlala kweenkqubo kuthintela (umzekelo) umboleki-mboleko kwi-intanethi yomvuzo womboleki.
Kubabolekisi abangakhuselekanga, ukuhlala kwamanqanaba enkqubo kwidlala ukuze omnye umbolekisi angenalo inzuzo phezu kwabanye ngokumalunga nokuhlawulwa kwetyala. Qaphela ukuba iinkqubo zebhanki zingaqaliswa ngabathengi abangaqinisekanga - umboleki-mali unokufaka ifowuni yokufaka ityala kwi-bankruptcy ukuba inetyala elingaphezulu kwe-$ 1000 kwaye umboleki usanda kwenza izenzo zokutsalwa kwebhanki, njengokungaphumeleli ukuhlawula amatyala, ukwenza izenzo ukuhlawula ubuqhetseba, ukuphepha ababolekisi, ukulahlwa ngasese okanye ukufihla impahla, njl njl.
Ababolekisi abakhuseliweyo abaqhelekanga abachaphazelekayo ngokuchithwa njengokuba banelungelo lokufumana imali yokubambisa eposwe ngumntu okanye iqumrhu njengokhuseleko lwamatyala, njengemali yokuboleka kwipropati yomboleki okanye izibambiso kwizixhobo zoshishino.
Umntu okanye umntu ongabandakanyekanga
Ukuba ishishini lomntu lilodwa lenkampani okanye ubambiswano, ngokusemthethweni, yile shishini labo, ngoko ke xa bajongene nethuba lokuchithwa, yonke impahla yabo ibandakanyekile kwaye inkqubo ye-bankruptcy iyafana. Ngamanye amazwi, i-asethi yoshishino ayikwazi ukugcinwa ngokwahlukileyo kwii-asethi zabo, ngoko ke ukuchithwa kwamashishini amancinci kusebenza ngokutsha.
Ukubandakanywa kweBusiness Bankruptcy
Ukuchithwa kwamashishini amancinci kuyahlukileyo kumashishini afakweyo ngenxa yokuba iinkampani zizimeko zomthetho ezizimeleyo. Ukuqhuba ibhizinisi elibandakanyileyo linika ukhuseleko lomnini-mveliso mncinci; yinto yezoshishino ezilahlekileyo, kungekhona yomntu. Ngaphandle kwelo xesha (njengoko kufuneka kwiimeko ezininzi ukukhusela iinjongo zemali ) abanikazi boshishino banamathengisa ipahla zabo njengesikhuseleko kwatyala (njengemali yokuthenga imali kwipropati yakho, njl.).
Ngaphandle koko, iinkqubo zokubhankqalaza zifana nokufana nokuchithwa komntu siqu - inkampani inyanzelekile okanye ifune ngokuzithandela ukukhusela i-bankruptcy; zonke iimpahla zeenkampani ziphendulelwe kwiTrasti kwiBhangeruptcy othengisa kwaye ahambisa imali kubathengi.
Qaphela ukuba ukuba ishishini lakho lidibene kwaye alinakukwazi ukukhupha irhafu kwaye unyanzelekile ukuba ufake ifom ye-Arhente yeRevenue Revenue (i-CRA) ibaluleke kakhulu kwimpahla yenkampani kuzo zonke ezinye iitaliti ezikhuselweyo. Qaphela kwakhona ukuba abalawuli beenkampani banokuthi baqhutyelwe uxanduva xa kukho ukungeniswa kwemithombo yengeniso ( ingeniso yerhafu , inshurensi yengqesho, i- CPP ) okanye irhafu yentlawulo engahlawulwanga njengeGST / HST .
Statistics Bankruptcy
Ngokutsho kwe-Ofisi yeSaintendent of Bankruptcy Canada, bekukho i-121,609 ebhawuntwini e-Canada ngo-2015, ukwanda kwe-3.0% ngaphezu ko-2014.
Kule miba, i-58,203 yayiyiziphakamiso zabathengi. Iimpahla ezipheleleyo zazo zonke iibhonkcenkcesha ngo-2015 ngeli xesha lokufakela laliyimali eyi-10,474,489,079 kunye neemali ezipheleleyo ezi-14,125,879,957.
Kwakukho ama-4,107 angabikho phantsi kokungeniswa kwezibini ngo-2015, ukwehla kwe-2.7% ukususela ngo-2014. Kule mihla, i-1,018 iziphakamiso. Iimpahla ezipheleleyo zebhanki-mali zonyaka wonke ngo-2015 ngexesha lokufakela ziyi-$ 680,664,124 kunye neemali ezipheleleyo ze-$ 5,944,924,099.
Ezinye iindlela zokuBhengeza i-Bankruptcy
Isiphakamiso somThengi siquka ukuxoxisana nokuhlawulwa okukodwa kwamatyala akho ngokubuyisela ababolekisi bakho ukuxolela imali eseleyo. Iproposal Umthengi unenzuzo enkulu kubanikazi bodwa kunye namaqabane okungafani nokuvakalisa i-bankruptcy, i-asethi yakho ayimfanelo yokubamba.
Ukususela kumbambisi wemboleko, uMxhasi wePropali ukhetha ukutshatyalaliswa ngokubakhokelela ekunikeleni ukuba athole ipesenteji yetyala elihlawulwayo - ekuqhutyweni kwebhanki bangaphoswa i-100%.