Ukulungiswa kwamashishini kumaShishini amancinci
Isahluko 11 Inkcazo yeBhanki yezoRhwebo yinkqubo yomthetho apho ishishini linokuthi livakalise ukuchithwa kodwa liqhubeke nokuqhuba ishishini phantsi kolawulo. Le nqubo ibizwa ngokuthi "ukulungiswa kwakhona," kuba inkqubo yokuchithwa kwe-bankruptcy iphinda ihlaziye i-shishini ukuba isebenze ngakumbi kwaye ikwazi ukuhlawula abathengi boshishini. Kufana nokufumana "ukuqalisa ukuqala" kweshishini lakho, ukuzisa ubomi obutsha kuyo.
Inkqubo yebhanki yeSahluko 11 kunye nezinye iintlobo ze-bankruptcies ziqhutywa kwinkqubo ekhethekileyo yomthetho (inxalenye yeenkqubo zeenkundla zase-United States), ebizwa ngokuba yinkundla ye-bankruptcy. Kuphantsi kwenkqubo yenkundla yesiphaluka kwiwebhusayithi yeeNkundla zaseMelika.
Yintoni eyenzeka kwiiNkcitho zeShishini kwiSahluko 11?
Xa iifayile zeshishini iSahluko 11 sichithwa, umboleki uba yinto ebizwa ngokuba "ngumntu onetyala." Okokuthi, umboleki unayo impahla yezoshishino.
Inkundla yebhanki inokukhupha i-shishini ukuba ihlawule yonke into okanye inxalenye yamatyala ayo. ISahluko 11 sokutshatyalaliswa ngokuqhelekileyo sifunwa kwaye sinikezelwe kwimeko apho ixabiso le shishini likhulu kunexabiso lempahla yalo; ngamanye amagama, ishishini linomlinganiselo obalulekileyo wokunxanelwa " njengenkxalabo ehamba phambili" eya ku lahleka ukuba ishishini lithengiswa okanye lithengiswa.
Yintoni uMthengisi-kwi-Possession?
Umboleki (umnikazi webhishini) uba ngumntu onetyala-ngexesha-mali ngexesha leSahluko 11.
Okokuthi, umboleki usenaso ishishini. Umboleki-on-possessions unemithwalo yemfanelo yokulawula ushishino kwaye abuyiselwe ngaphandle kwe-bankruptcy. Lo mntu unjengomphathiswa we-bankruptcy, kunye (ngokubhekiselele kwi-Court of Bankruptcy) uxanduva "lokubala ipropati, ukuvavanya nokuphikisana namabango, nokufaka ingxelo ngeenkcukacha njengoko kufunwa yinkantolo kunye nomphathiswa we-US okanye umlawuli we-bankruptcy."
ISahluko 11 sisebenza njani ngamashishini amancinci?
Isahluko 11 sahluke kumashishini amancinci, kwaye imigaqo ethile ekhethekileyo isebenzayo kule bhanki. Kukho iziqinisekiso ezimbini kwiimeko ezincinci zoshishino:
- Umboleki kufuneka abe kwishishini eliqhubekayo, ngamatyala e-$ 2566 okanye ngaphantsi.
- Ayikho ikomiti yombolekisi (iqela lababolekisi abavuma ukuba iifayili zoshishino kufuneka zihanjiswe kubathengi).
Umntu onetyala-mali-mali kule nkalo kufuneka anike ingxelo yezimali zangaphambili, kubandakanywa ukubuyiswa kweerhafu yakutsha nje, i-balance sheet, isitatimende semisebenzi, isitatimende sokuhamba kwemali kunye nezinye iingxelo. Icandelo le shishini elincinci ludinga ukunyamekela ngutrasti, kubandakanywa iingxelo rhoqo kunye neengxelo zemali.
Inzuzo yamashishini amancinci eSahluko 11 kukuba iyakwenziwa ngokukhawuleza ngakumbi kunokwenziwa kweSahluko 11.
Yiyiphi iNkqubo yeSahluko 11 sokuPhalalisa?
Inkqubo yokubhankqalaza iqalisa ngentlanganiso yakho kunye nommeli we-bankruptcy, onokukunceda ukuba unqume ukuba yiyiphi indlela yokubhankanya. Uya kufuneka ufake i-bankruptcy kwimeko apho uqhuba khona ishishini, ngenxa yokuba i-bankruptcy yinkqubo eqhutywa yinkqubo.
Isibongozo sisisiqalo esisemthethweni senkqubo yokuchithwa.
Isibongozo siquka injongo yokufaka isicwangciso sokulungiswa kwakhona. Ngokuqhelekileyo, ishishini lakho liya kunikwa umphathiswa, oya kubakhokela ishishini ngokusebenzisa inkqubo yohlengahlengiso.
Isitatimenti sokubhengezwa siyafuneka kwakhona ekuqaleni kwenkqubo yokuchithwa. Iwebhusayithi yeeNkundla ze-US ithi le nkcazelo:
kufuneka iqulethe ulwazi malunga neempahla, amatyala, kunye nemicimbi yezobambiso zeetyala ezaneleyo ukwenzela ukuba umbolekisi enze isahlulelo esinolwazi malunga nesicwangciso somntu onetyala.
I-Automatic Stay kunye neSahluko 11
Ukuhlala ngokuzenzekelayo kusekwe ekuqaleni kweSahluko 11. Olu lukhuseleko luvimbela izigwebo, imisebenzi yokuqokelela, ukulungiswa kwangaphambili, kunye nokuhlala kwi-shishini ngexesha le nkqubo. Ukuhlala kukunika inkampani inetyala kwaye ivumela ixesha lokuxoxisana egameni lenkampani ukuxazulula ubunzima bezezimali.
Kwenzeka ntoni ekupheleni kweSahluko 11 sokuchithwa?
Kwiimeko ezininzi, ishishini linokuvela kwakhona kwiSahluko 11 kwaye uqhubeke nokusebenza ngokuqhelekileyo. Kwezinye iimeko, ishishini elihlelwe kwakhona lingathengiswa emva kwexesha elithile.
Isahluko 11 siyafumaneka nakuphi na uhlobo lweshishini, kubandakanywa i- proprietorships kuphela, ii- Limited Liability Companies (LLCs) kunye neenkampani.
Ukufumana iinkcukacha ezingaphezulu, jonga eli nqaku malunga neSiseko 11 esisekelwe kwiingcambu ze-akhawunti kwi-website yeeNkundla zase-US.
Ukuziphendulela: Okukule nqaku nakwiziko lewebhu kungenjongo yolwazi kuphela. Umbhali akayena ugqwetha okanye wengcali yerhafu. Yonke imicimbi yebhankini yenkcitho iyahluke, kunye nemithetho kunye nemimiselo. Ukuba ucinga ngokuchithwa kwebhizinisi, fumana ummeli we-bankrupt kunye nabacebisi bezemali abanokukunceda ngale nkqubo.