Ngaba Umhlali Ungasasaza?
Yintoni iSahluko 7?
Isahluko 7 luhlobo olulodwa lokutshatyalaliswa. Kule fomu yokutshatyalaliswa kwemali, umboleki, kulo mcimbi, umqeshi, uyavuma ukutyhila impahla yazo.
Xa iifayili zomqeshi kunye nenkundla ye-bankruptcy, uhambisa uluhlu lwazo zonke iitalato ezihlawulwa kunye neenyanga zenyanga, kunye nayo yonke ingeniso kunye nexabiso. Umlawuli weqela lesithathu uya kubelwa kwimeko yomqeshi, ngubani oya kuthatha isigqibo sokuba ahlule njani iimpahla zokuhlawula amatyala afunekayo umqeshi.
Kuhlala ngokuzenzekelayo
Emva kokufakela i-bankruptcy umqeshi uya kunikwa ukuhlala ngokuzenzekelayo, ngelixa eli lizwi ngathi lixesha le-estate estate, akunjalo. Ngokuqinisekileyo kuthetha ukuba iimbopheleleko zabaqeshi ziya kuhlala apho zikhona. Ibeka ukuma kumntu nawuphi na umboleki ukuba akwazi ukuqokelela nayiphi na amatyala ahlawulwayo kumqeshi. Aba babolekisi bavumelekile ukuba baqhagamshelane nomqeshi okanye ukuzama ukuqokelela amatyala abo batyala.
Nqabe okanye Ufune ukuqeshisa
Abaqeshi abafakela i-bankruptcy banokukhetha ukulahla okanye ukuthatha indawo yokuqeshisa. Ukuba bayayilahla ukuqeshisa, oku kuthetha ukuba kufuneka baphume kwipropati.
Umqeshi uya kuba noxanduva lwelo nawaphi na amatyala afunekayo kumnini-ndawo ngaphambi kokuba afake isicelo sokutshatyalaliswa, kodwa akayi kufumana iindleko ezintsha.
Ukuba umnini-mali uthatha ukuqeshisa, kufuneka abe ngoku kunye nazo zonke iimali ezifunekayo kumnini-ndawo, kuquka ukufaka irenti yenyanga ezayo efunekayo nenkundla.
Ukuba umnini-mali angaba khona ngoku, umninimzi unokuqhubeka nokukhutshwa.
Ukuba iiFayile zeNgxowa-mvume zokuKhutshwa ngaphambi kokuBhawula
Abanye abaqeshi bazame ukuphepha ukuxoshwa ngokufakela i-bankruptcy. Iindaba ezilungileyo zabanikazi bezindlu kukuba, ukuba uqalise ukukhutshwa kwakho kwenkqubo phambi kokuba umqeshi efakwe kwiSahluko 7, ngoko usakwazi ukuqhubeka nokukhutshwa .
Ngaphandle:
Yiba Ngoku NgeRhafu: Ezinye iivumelwano zivumela abaqeshi ukuba bayeke ukuxothwa ngokuba ngekhoyo kunye nerenti yabo. Kule ndawo, umqeshi unako ukufaka ifowuni efungelweyo enkundleni evuma ukuba umqeshi unelungelo phantsi komthetho welizwe ukuphelisa ukukhutshwa ngokuphulukana nerente. Esi siqinisekiso sifanele senziwe ngexesha elifanayo neefayili zomqeshi zokufaka i-bankruptcy.
Ngeli xesha, umqeshi kufuneka aphinde afake enkundleni kwinani lerenti eliza kubakhokhela umninikhaya ngenyanga ezayo. Umqashi kufuneka anike umninikhaya ikopi yale nkcazo.
Iintsuku ezingama-30: Umqeshi uya kuba neentsuku ezingama-30 ukususela kumhla we-bankruptcy ukuhlawula lonke ireyithi ebuyiswe ngumnini-mali. Ukuba umqashi uhlala ngoku kunye nerenti, umqeshi kufuneka afake isatifikethi sesibini enkundleni, echaza yonke irente yentlawulo ehlawulwe.
Ukuba umnini-mhlaba akachasani nokuba yiyiphi na isatifikethi, ukukhutshwa kuya kugcinwa. Ukuba umninimzi uthetha ixesha okanye umqeshi ufake isatifikethi, umninimzi kunye nomqeshi uya kwintantolo ukuze aqinisekise ukuba ukuhlala ngokuzenzekelayo kuya kuphakanyiswa kwaye umnini-mhlaba unokuqhubeka nokukhutshwa.
Ukungafani kwakhona kwakhona: Ukuba umnini-mali ufezekisa kwakhona kwirenti yakhe, umnini-mhlaba uza kufaka isikhalazo enkundleni ukuze ahlale ephakamileyo. Ukuba ukuhlala kuphakanyisiwe, umnini-mhlaba uya kufuneka athumele umqeshi isaziso esitsha ukuhlawula irente okanye ukuyeka kwaye uqale inkqubo yokukhutshwa kwakhona kwakhona.
Ukuba iiFayile zeNdawo zokuLungisa emva kokuBhujiswa
Ukuba umqeshi wakho ufake iSahluko 7, kwaye uzama ukufakela ukukhupha umqeshi , awuyi kukwazi ukuqhubeka nokukhishwa ngenxa yokuhlala ngokuzenzekelayo. Nangona kunjalo, ngenxa yomthetho wesizwe okhusela ukusetyenziswa kakubi kwebhanki, oku kuhamba ngokukhawuleza kunokuthi kube mfutshane.
Nangona ukufakela i-bankruptcy kususa i-matyala yomqeshi ekhoyo, akususuli ityala elitsha lomqeshi. Ngoko ke, ukuba umnini-mhlaba usaphila kwipropati yakho, usenaso uxanduva lokuhlawula irenti efunekayo ngenyanga. Ekubeni oku kuya kuthathwa njengetyala elitsha, abanini-mhlaba banakho ukucela inkundla ukuba bahlale bephakanyiswa ngokuzenzekelayo ukuze baqhubeke nokukhutshwa. Kwiimeko ezininzi, inkundla iya kuvuma ukuphakamisa okuzenzekelayo.
Ngaphandle:
Nangona ungafaki ukukhupha umqeshi phambi kweefayili zomqeshi kwiSahluko 7, kukho ezinye iimeko eziza kugqithisa ilungelo lomqeshi ukuhlala ngokuzenzekelayo. Abanikazi bezindlu baza kuba nelungelo lokugxotha umqeshi ukuba umqeshi sele ebandakanyeka ekusebenziseni iziyobisi ezingekho mthethweni okanye ekuthinteni okanye ngokungekho emngciphekweni kwipropati kwiintsuku ezingama-30 zokugqibela. Umnini-mali kufuneka afake isitifiketi enkundleni, achaze eli bango.
Umqeshi unelungelo lokuchasa kula mabango. Ukuba umqeshi akachasi phakathi kweentsuku ezili-15, umnini-mhlaba unokuqhubeka nokukhutshwa. Ukuba umqeshi akenzi nto, umninikhaya kunye nomqeshi uya kuhamba phambi kwenkundla ukuba iqinisekise ukuba kukho inyaniso kule mabango.
Uqokelela Njani Imali Ehlawulwe?
Xa iifayili zomqeshi zichithwa, umnini-mali kufuneka afake ibango kunye nenkundla ye-bankruptcy, yinto yesitatimende sayo yonke imali umqeshi efunwa ngumnini-mnini. Inkundla iya kugqiba isigqibo apho umrhumo womqeshi uya kuhlawulwa.