Emva kokuba i-Arhente yeRevenue Revenue Agency (i-CRA) iqhube ukubuyela kwerhafu yengeniso yakho, bayakuthumela iSaziso soVavanyo .
Ukuba oko kubonisa ibhalansi yerhafu yengeniso ngenxa yokuba awukwazi ukuhlawula ngokukhawuleza, kufuneka uqhagamshelane neofisi yesevisi yerhafu, eya kukunceda ukuseta ishedyuli yentlawulo evumelekileyo. Leli phepha lewebhu le-CRA linxulumene namaziko eenkonzo zerhafu kulo lonke ilizwe.
Kubalulekile ukuvumela i-CRA ukuba ikwazi malunga neengxaki kwaye ilungiselele ishedyuli yokuhlawula ngokukhawuleza kunokwenzeka, kuba inzala yomhla ngemihla ihlawuliswa kuyo nayiphi na ibhalansi yerhafu engenayo engenakuhlawulwa, ukuqala kwithuba lokugqibela lokufaka umrhumo wonyaka kwaye uqhubeke uhlawule irhafu yengeniso. ihlawulwe ngokupheleleyo.
Ukuba unesimo apho ungeke ukwazi ukuhlangabezana neembopheleleko zakho zerhafu ngokusebenzisa ubunzima bezezimali okanye kwiimeko ezingavamile ungafaka isicelo kwi-Arhente yeRevenue Agency ukuba ufumane izigwebo kunye nomdla osusiweyo okanye ukhanselwe kwiNkqubo yoNcedo lwaBathengi.
Iimeko ezingamkeleka kwi-CRA yokufumana izihlomelo kwizigwebo ziquka ukugula okukhulu, ukulahleka kwengqesho, iintlekele zemvelo, njl njl.
Ngoxa i-CRA inokuxolela izigwebo kunye nomdla abayi kuxoxisana ngokuthe ngqo ekunciphiseni umrhumo wakho werhafu.
Ukuba Unetyala elingaphezulu leeRhafu kunokuba uhlawulelwe
Ukuba unesimo apho ungakwazi ukuhlawula ixabiso elipheleleyo leerhafu ezifunekayo okanye udibana neshedyuli yokuhlawula uya kufuneka udibanise nomphathiswa osesikhundleni esiphathelene nabanetyala (kuquka i-CRA) egameni lakho.
Qaphela ukuba ukuba ishishini lakho lilodwa okanye i- intanethi yakho i- asethi ayifani ukwahlula nakwezo shishini, ngoko ukuba unenjongo yokuvakalisa i-bankruptcy i-asethi yakho eyimpahla inokuthi ithathwe ityala lokuhlawulwa kwetyala. (Kukhona izinto ezithile ezikhutshwayo ekuthinjeni kodwa oko kuyahluka ukusuka kwiphondo ukuya kwiphondo kuxhomekeke kwimisebenzi yephondo kunye nemithetho.) Kukho iindlela ezimbini (kunye ne-trustee yakho) ukujongana nababolekisi:
Ukuxoxisana noPhulo lomThengi
Olu hlobo lwesivumelwano lubandakanya ukuxoxisana nokuhlawulwa kwentlawulo yamatyala akho ngokubuyisela abo bakholekisi bakhothelela imali eseleyo. Iproposal Umthengi unenzuzo enkulu kubanikazi bodwa kunye namaqabane okungafani nendawo yokuchitha imali i-asethi yakho ayimfanelo yokubamba.
Ukusuka kumbambisityala umPhuloli womThengi ulungele ukutshatyalaliswa kwelokuba uvumela ukuba ubuncinane babuyiselwe ipesenteji yetyala elihlawulwayo - ekuqhutyweni kwebhanki bangaphonsa i-100%. Ukuba i-CRA yamkele iPropomenti yakho yabathengi kufuneka uyiqinisekise ukuba unokukwazi ukuhlangabezana nemimiselo yesiphakamiso. (Kunceda ukuba awuzange ube neengxaki zangaphambili kunye ne-CRA ezifana nokufakela emva kwexesha, ukuhlawulwa kweentlawulo, njl.).
Ukumemezela i-Bankruptcy
ukuba oku kuphela okukhethwa kukho onke amatyala (kubandakanywa irhafu ) unokuxolelwa.
I-trustee inyanzelekile ukuba ifake irhafu yakho yerhafu kwithuba lonyaka ukuya kutsho umhla owabhengeza ngawo ukuhlawula imali, kunye nokubuya kwesihlandlo sesibini ukususela kumhla wokuchithwa kwelokugqibela kuze kube sekupheleni konyaka wekhalenda (obizwa ngokuba yiPost- Ukubuya kweBhanki).
Ukuba Ibhizinisi Lakho Liyinkampani
Ukuba ishishini lakho lidibene kwaye alikwazi ukurhoxisa irhafu efunekayo le meko ihlukile. Kwixesha elidlulileyo abalawuli beenkampani ngeengxaki zemali babehlala begqiba ukuhlawula abanye ababolekisi (njengabathengisi) ngaphambi kokubuyisela iintlawulo kwi-CRA. Ukuchasana nokutshintshwa kweemithetho kuye kwanika i-CRA amandla amakhulu ekubuyiseni irhafu engakhokhelwa, kuxhomekeka ukuba ngaba iimali ezifunekayo zi:
- Ukuncishiswa kwemithombo engafumanekanga njengentlawulo yengeniso yomqeshwa, i- CPP , kunye ne-Intshurensi yengqesho (EI) ibaluleke kakhulu ekuqokelelwa yi-CRA kunye nezohlwayo zokuhlawulwa kwexesha elide. Kwi- bankruptcy yokuqhuba i-CRA iphathwa njengomthengi okhuselekile kwaye ngokubanzi inelungelo lokuqala lokunikwa kwemithombo engenakwenziwa. Ukongezelela, abalawuli beenkampani banokuthi bathathwe ngokwabo ukuba i-asethi yenkampani ayaneleyo ukufihla imali efunekayo. Izifo ziyakwazi ukubandakanya ukuhlutha impahla kunye / okanye ukulungiswa kwemvuzo.
- I-GST / i-HST iqokelelwe ekuthengiseni-njengokuba kuncitshiswe kumthombo kwi-bankruptcy iqhutywe ngabaqondisi banokuzibophelela ngokwabo ngokungahlawulwanga i-GST / HST engekho .
- Iirhafu zenkampani ezingabhawulwayo kwi-bankruptcy - i-CRA ithathwa njengomthengi ongenagada kwaye ayinikezeli uxanduva kubalawuli.
Kubalulekile ukuqaphela ukuba ukuxothwa kwemithombo kunye ne-GST / HST iimali ezivela kwiintengiso ziqwalaselwa ngumthetho ukuba zigcinwe kwi-CRA kwaye zingabakho kwiinkampani . Njengamaxesha onke, funa iingcebiso kwi-akhawunti yakho, ummeli weerhafu, okanye umphathiswa ngaphambi kokuqhubeka.