Yiyiphi i-Bhiziniselwano?

Inkcazo kunye neentlobo zenkcitho yebhanki

Amafemu amaninzi amashishini amancinci ahluleka ngenxa yezizathu ezahlukahlukeneyo, kwaye ngokusoloko zifumanisa ukuba zijongene nesigqibo sokuba ngaba kufuneka zifake ukukhusela i-bankruptcy. Ukuchithwa yinkqubo oya kuyo kwinkundla yesigqeba, eyenzelwe ukukunceda ibhizinisi lakho liphelise okanye libuyise ityala layo phantsi kolawulo kunye nokukhuselwa kwenkundla ye-bankruptcy. Iingxowankulu zoshishino zivame ukuchazwa njengento yokucinywa okanye ukulungiswa kwakhona ngokuxhomekeke kuhlobo lokutsalwa kwebhanki oyithathayo.

Kukho iintlobo ezintathu zokutsalwa kwebhanki ukuba ishishini lakho linokufakela ukuxhomekeka kwifom yezoshishino. Ubunini bomhlaba obuninzi bubanzi bomhlaba bomninimzi. Umnini unembopheleleko kuyo yonke i-asethi kunye namatyala e-firm. I-proprietorship eyodwa yodwa ingathatha imali ngokufaka iSahluko 7, iSahluko 11, okanye iSahluko 13. Iinkampani kunye nentsebenziswano yimizi esemthethweni eyahlukileyo kubanikazi babo. Ngaloo ndlela, banokufakela ukukhuselwa kwe-bankruptcy phantsi kweSahluko 7 okanye kwiSahluko 11.

Ukuchithwa kweBhizinisi - Isahluko 7

Isahluko 7 sokutshatyalaliswa kwinqanaba sinokuzikhethela kakhulu xa ishishini lingenaso ikamva. Ngokuqhelekileyo kubhekiselwa kuye njengokucinywa. Ngokuqhelekileyo kusetyenziswa xa amatyala e shishini enzima kakhulu kangangokuthi ukulungiswa kwazo akunakwenzeka.

Isahluko 7 sichaphazelekayo xa ishishini lingenayo ixabiso lempahla. Ukuba ishishini lilingana nokwandiswa kwezakhono zomnikazi othile, ngokuqhelekileyo ayiyi kuhlawula ukuyihlela kwakhona, kwaye iSahluko 7 sifanelekile.

Isahluko 7 sokutshatyalaliswa ngokuqhelekileyo kuthetha ukuba ishishini liyachithwa.

KwiSahluko 7 ukuchithwa, i-trustee iqeshwe yinkantolo ye-bankruptcy ukuba ithathe ifa lemashishini kwaye ibanike phakathi kwababolekisi. Emva kokuba impahla ihanjiswe, kwaye umphathiswa uyahlawulwa, umnini-mhlaba wedwa ufumana "ukukhutshwa" ekupheleni kweso.

Ukukhutshwa kuthetha ukuba umnini-shishini uyakhululwa kuyo nayiphi na imbopheleleko yamatyala. Intsebenziswano kunye neenkampani azifumani ukukhutshwa.

Ukuhlelwa kweShishini - Isahluko 11

Isahluko 11 sisona siphumo esingcono kumashishini anokuba nekamva. Isahluko 11 isicwangciso apho inkampani iphinda ihlelwe kwakhona kwaye iqhubeke ngokushishino. Ihlelwe kwakhona phantsi kwe-trustee enqunywe yinkundla. Umnini we nkampani unokuthi abe ngumphathiswa.

Inkampani ifake isicwangciso esicwangcisiweyo sokuhlelwa kabusha esichaza indlela eya kujongana ngayo nabathengi bayo. Abavolekisi bavota kwisicwangciso. Ukuba inkundla ifumanisa ukuba icebo lifanelekileyo kwaye lilinganayo, liya kuvuma icebo.

Izicwangciso zokulungiswa kwakhona zibonelela iintlawulo kubabolekisi kwixesha elithile elinokugqithisa iminyaka engamashumi amabini. Isahluko 11 se-bankruptcies siyinkimbinkimbi kwaye asiyikuphumelela. Ngokuqhelekileyo kuthatha ngaphezu konyaka ukuqinisekisa isicwangciso.

Ukuchithwa komntu siqu - Isahluko 13

Isahluko 13 sokuchithwa kwe-bankruptcy siyi-bankruptcy ehleliwe ngokuqhelekileyo kubasebenzisi, nangona ingasetyenziselwa i-proprietorship kuphela. Ufake isicwangciso sokubuyiselwa kwintlawulo ye-bankruptcy echaza indlela uza kuhlawula ngayo amatyala akho.

Imali omele uyibuyisele kuxhomekeke kwindlela ofumana ngayo, uninzi kangakanani na, nokuba unempahla engakanani.

Ukuba izinto zakho zeempahla zibandakanyeka kwiimpahla zakho zezoshishino, njengoko zinjalo ukuba unayo yedwa impahla, unokuphepha iingxaki ezinjengokulahlekelwa yindlu yakho xa ufaka iSahluko 13 ngokuchasene neSahluko 7.

Qhagamshelana nommeli webhanki elifanelekileyo ngaphambi kokugqiba ukuba luhlobo luni lwe-bankruptcy oza kufakraza okanye ukuba ufuna ukufakela i-bankruptcy nonke. Kukho ezinye iindlela ongakhetha ngazo kuqala.