Kodi bankirapuse imagwira ntchito bwanji?
Momwe mungasungire bankirapuse ku USA. Pulogalamu ya bankirapuse ndi khothi lomwe woweruza komanso wothandizira milandu akuwunika chuma ndi zovuta za anthu ndi mabizinesi omwe sangathe kulipira ngongole zawo. Khothi ligamula ngati alipire ngongole, ndipo omwe ali ndi ngongole salinso oyenera kulipira.
Malamulo a bankirapuse adalembedwa kuti apatse anthu omwe ndalama zawo zagwa mwayi woyambiranso. Kaya kugwa kumeneku kudadza chifukwa chosankha bwino kapena tsoka, opanga mfundo amatha kuwona kuti pachuma chachuma, ogula ndi mabizinesi omwe amalephera pachuma amafunika mwayi wina.
Ndipo pafupifupi aliyense amene amafunsira bankirapuse ali ndi mwayi.
Ed Flynn wa American Bankruptcy Institute (ABI) adachita kafukufuku wa ziwerengero za PACER (mbiri ya makhothi aboma) kuyambira Okutobala 1, 2018 mpaka Seputembara 30, 2019, ndipo adapeza kuti panali milandu 488,506 ya bankirapuse mu Chaputala 7 chomwe chidamalizidwa mchaka chachuma. Mwa awa, 94.3% adamasulidwa, zomwe zikutanthauza kuti munthuyo sanakakamizidwenso kulipira ngongoleyo.
Milandu 27,699 yokha ndi yomwe idachotsedwa, kutanthauza kuti woweruza milandu kapena trastii adawona kuti munthuyo ali ndi ndalama zokwanira kubweza ngongole zake.
Anthu omwe amagwiritsa ntchito fayilo ya Chaputala 13 bankirapuse , omwe amadziwika kuti bankruptcy ya omwe amalandila malipiro, anali pafupifupi ogawanika chimodzimodzi pakupambana kwawo. Pafupifupi theka la milandu 283,412 ya Chaputala 13 yomwe idamalizidwa idachotsedwa (126,401) ndipo 157,011 adachotsedwa, kutanthauza kuti woweruza adapeza kuti munthu yemwe adalemba pempholi anali ndi chuma chokwanira kuthana ndi ngongole zawo.
Ndani amasungira Bankirapuse
Anthu ndi mabizinesi omwe amalembetsa bankirapuse ali ndi ngongole zambiri kuposa ndalama zoti angalipire, ndipo sawona kuti zisintha posachedwa. Mu 2019, iwo omwe adafunsira bankirapuse anali ndi ngongole ya $ 116 biliyoni ndipo anali ndi ndalama zokwana $ 83.6 biliyoni, pafupifupi 70% yake inali malo ogulitsa nyumba, ndipo mtengo wake weniweni ndiwotheka.
Chodabwitsa ndichakuti anthu - osati makampani - ndiwo omwe nthawi zambiri amafuna thandizo. Atenga ngongole zandalama monga ngongole yanyumba, ngongole yamagalimoto, kapena ngongole yaophunzira - kapena mwina onse atatu! - ndipo alibe ndalama zolipira. Panali milandu ya bankirisi 774,940 yomwe idasungidwa mu 2019, ndipo 97% mwa iwo (752,160) adasankhidwa ndi anthu.
Milandu yokhayokha ya 22,780 yokha ndi yomwe idasungidwa ndi makampani ku 2019.
Ambiri mwa anthu omwe adasumira bankirapuse sanali olemera kwenikweni. Ndalama zapakati pa anthu 488,506 omwe adasumira pa Chaputala 7 zinali $ 31,284 zokha. Olemba mitu 13 adayenda bwino pang'ono ndi ndalama zapakati pa $ 41,532.
Gawo lakumvetsetsa bankirapuse ndikudziwa kuti ngakhale bankirapuse ndi mwayi woyambiranso, zimakhudzanso ngongole yanu komanso kuthekera kwanu mtsogolo kugwiritsa ntchito ndalama. Ikhoza kuletsa kapena kuchedwetsa kuwonongedwa kwa nyumba ndikubwezeretsanso magalimoto, komanso kuyimitsa kukongoletsa malipiro ndi zina mwalamulo zomwe omwe amabweza ngongole amatenga ngongole, koma pamapeto pake pamakhala mtengo wolipira.
Kodi Ndiyenera Kulemba Liti Bankruptcy?
Palibe nthawi yabwino, koma lamulo lonse la chala chachikulu kuti muzikumbukira ndikutenga nthawi yayitali kubweza ngongole zanu. Kufunsa funso Kodi Ndiyenera Kulemba Za Bankirapuse? Ganizirani mosamala ngati zingatenge zaka zoposa zisanu kuti mulipire ngongole zanu. Ngati yankho lanu ndi inde, ikhoza kukhala nthawi yoti mufotokozere za bankirapuse.
Lingaliro lakumbuyo ndikuti malamulo a bankirapuse adapangidwa kuti apatse anthu mwayi wachiwiri, osati kuwalanga. Ngati kuphatikiza ngongole yanyumba, ngongole yapa kirediti kadi, ngongole zamankhwala, ndi ngongole za ophunzira zakusokonezani pachuma ndipo simukuwona chomwe mungasinthe, kubweza ngongole kungakhale yankho labwino kwambiri.
Ndipo ngati simukuyenera kukhala bankirapuse, chiyembekezo chilipo.
Zina mwa njira zothandizira ngongole zingaphatikizepo kasamalidwe ka ngongole kapena pulogalamu yothetsera ngongole. Zonsezi zimatenga zaka 3-5 kuti zitheke, ndipo sizimatsimikizira kuti ngongole zanu zonse zidzaperekedwa mukamaliza.
Bankirapuse amakhala ndi zilango zina pamapeto pake chifukwa zidzakhalabe pa lipoti lanu la ngongole kwa zaka 7-10, koma pamakhala kulimbikitsidwa kwakukulu kwamalingaliro ndi malingaliro mukapatsidwa kuyambiranso ndipo ngongole zanu zonse zimachotsedwa.
Bankirapuse ku United States
Monga chuma, kuchuluka kwa bankirapuse ku United States kumadzuka ndikugwa. M'malo mwake, awiriwa amalumikizidwa ngati batala la chiponde ndi zakudya.
Bankirapuse idakwera pazaka zopitilira 2 miliyoni mu 2005. Ndicho chaka chomwecho lamulo la Bankruptcy Abuse Prevention and Consumer Protection Act lidaperekedwa. Lamuloli limapangidwa kuti lichepetse kugulitsa kwamakasitomala ndi mabizinesi ofunitsitsa kuti angotuluka mu ngongole.
Chiwerengero cha zomwe zatumizidwa zidatsika 70% mu 2006, mpaka 617,660. Koma ndiye chuma chidasokonekera ndipo zolembedwa za bankirapuse zidakwera kufika pa 1.6 miliyoni mu 2010. Adachotsedwanso pomwe chuma chidakwera ndikuchepa pafupifupi 50% kudzera 2019.
Momwe mungasungire bankirapuse?
Momwe mungasungire bankirapuse ku USA. Kulemba za bankirapuse ndi njira yovomerezeka yomwe imachepetsa, kukonzanso, kapena kuthetsa ngongole zanu. Kaya muli ndi mwayi wotere ndi khothi la olephera kubweza ngongole. Mutha kujambulitsa nokha kapena mutha kupeza loya wa bankirapuse. Ndalama za bankirapuse zimaphatikizapo chindapusa cha loya ndi zolipirira. Mukasungitsa ndalama zanu nokha, mudzakhalabe ndi ndalama zolipirira.
Ngati simungakwanitse kulembera loya, mutha kukhala ndi mwayi wothandizidwa ndiulere pamalamulo. Ngati mukufuna thandizo kupeza loya kapena kupeza ntchito zamalamulo zaulere, funsani ku American Bar Association kuti mudziwe zambiri.
Musanapange fayilo, muyenera kudziphunzitsa za zomwe zimachitika mukasungitsa bankirapuse. Sikuti ndikangouza woweruza kuti ndine bankirapuse! ndi kudziponyera nokha ku khoti. Pali njira, nthawi zina yosokoneza, nthawi zina zovuta, yomwe anthu ndi makampani ayenera kutsatira.
Masitepe ndi awa:
- Sungani zolemba zandalama: lembani ngongole zanu, katundu, ndalama, ndalama. Izi zimakupatsani inu, aliyense amene amakuthandizani, ndipo pamapeto pake khotilo, kuti mumvetsetse momwe zinthu ziliri.
- Pezani upangiri pazangongole pasanathe masiku 180 kuchokera mukulemba: upangiri wa bankirapuse pazofunika. Mukutsimikizira khothi kuti mwamaliza zonse zomwe mungachite musanataye bankirapuse. Mlangizi ayenera kukhala kuchokera kwa omwe akuvomerezedwa olembedwa pa tsamba la makhothi la the EE . UU . Mabungwe ambiri opereka uphungu amapereka ntchitoyi pa intaneti kapena pafoni, ndipo mumalandira satifiketi yakumaliza mukamaliza, yomwe iyenera kukhala gawo lazolemba zomwe mumapereka. Mukadumpha sitepe iyi, kutumiza kwanu kukanidwa.
- Lembani pempholo: Ngati simunalembepo ntchito loya wa bankirapuse, iyi ikhoza kukhala nthawi yochitira. Upangiri wazamalamulo sofunikira kwa anthu omwe amafalitsa bankirapuse, koma mukukhala pachiwopsezo chachikulu ngati mudziyimira nokha. Kumvetsetsa malamulo a bankirapuse ndi boma ndikudziwa kuti ndi yani yomwe ikukukhudzani ndikofunikira. Oweruza sangathe kupereka upangiri, monganso ogwira ntchito kukhothi. Palinso mitundu yambiri yoti mukwaniritse komanso kusiyana pakati pa Chaputala 7 ndi Chaputala 13 chomwe muyenera kuganizira posankha zochita. Ngati simukudziwa ndikutsatira njira ndi makhothi oyenera kukhothi, zitha kukhudza zomwe mwachita mu bankirapuse yanu.
- Kumanani ndi obwereketsa: Pempho lanu likalandiridwa, mlandu wanu umaperekedwa kwa woyang'anira khothi, yemwe amakhazikitsa msonkhano ndi omwe amakongoletsani. Muyenera kupita, koma obwereketsa sayenera kutero. Uwu ndi mwayi woti akufunseni inu kapena woyang'anira khothi mafunso okhudza mlandu wanu.
Mitundu ya bankirapuse
Pali mitundu ingapo ya bankirapuse yomwe anthu kapena okwatirana angathe kuyikapo imodzi, yofala kwambiri ndi Chaputala 7 ndi Chaputala 13.
Chaputala 7 Bankirapuse
Chaputala 7 bankirapuse ndiye njira yabwino kwambiri kwa iwo omwe amapeza ndalama zochepa komanso alibe chuma. Imeneyi ndi njira yotchuka kwambiri yachuma, yowerengera 63% yamilandu ya bankirapuse mu 2019.
Chaputala 7 bankirapuse ndi mwayi wolandila chigamulo kukhothi chomwe chimakupatsani mwayi wolipira ngongole komanso chomwe chimakulolani kuti musunge zinthu zazikulu zomwe zimawerengedwa kuti ndizoperewera. Malo omwe siopanda ngongole adzagulitsidwa kuti alipire gawo la ngongole yanu.
Pamapeto pa ndondomeko ya bankirapuse ya Chaputala 7, ngongole zanu zambiri zidzathetsedwa ndipo simudzafunikanso kuzilipira.
Kukhululukidwa kwa katundu kumasiyanasiyana malinga ndi mayiko. Mutha kusankha kutsatira malamulo aboma kapena malamulo aboma, omwe angakulolezeni kukhala ndi katundu wambiri.
Zitsanzo za katundu wosapezekapo ndi monga nyumba yanu, galimoto yomwe mumagwiritsa ntchito, zida zomwe mumagwiritsa ntchito kuntchito, macheke a Social Security, mapenshoni, ma veteran, phindu, komanso kupuma pantchito. Zinthu izi sizingagulitsidwe kapena kugwiritsidwa ntchito kulipira ngongole.
Katundu wosasiyidwa umaphatikizapo zinthu monga ndalama, maakaunti aku banki, masheya amasheya, ndalama zandalama kapena masitampu, galimoto yachiwiri kapena nyumba yachiwiri, ndi zina zambiri. Zinthu zomwe sizimasulidwa zidzathetsedwa, kugulitsidwa ndi khothi loyang'anira bankirapuse. Ndalamazo zidzagwiritsidwa ntchito kulipira trastii, kulipira ndalama zoyendetsera ntchito ndipo, ngati ndalama zilola, kubwezera omwe adakukwezani momwe angathere.
Chaputala 7 bankirapuse chimakhalabe pa lipoti lanu la ngongole kwa zaka 10. Ngakhale zidzakhudze ngongole yanu yangongole, mphothozi zidzasintha pakapita nthawi mukamanganso ndalama zanu.
Awo omwe amafunsira bankirapuse Chaputala 7 adzayesedwa ku US Bankruptcy Court Chaputala 7 kutanthauza mayeso, omwe amagwiritsidwa ntchito kuthana ndi iwo omwe atha kulipira pang'ono ngongole yawo pokonzanso ngongole zawo. Kuyesa kwakomweko kumafanizira ndalama za ngongole kwa miyezi isanu ndi umodzi yapitayo ndi ndalama zapakatikati (50%, zotsika kwambiri 50%) m'boma lawo. Ngati ndalama zomwe mumapeza ndizochepera ndalama zapakati, ndiye kuti mukuyenera Mutu 7.
Ngati muli pamwamba pamankhwala apakati, pali mayeso ena achiwiri omwe angakuyenerereni kusungidwa mu Chaputala 7. Chiyeso chachiwiri cha njira chimayesa ndalama zanu poyerekeza ndi zofunikira (renti / ngongole yanyumba, chakudya, zovala, zolipirira kuchipatala) kuti muwone ndalama zomwe zingatayike muli ndi. Ngati ndalama zomwe mumalandira ndizochepa, mutha kukwanitsa Gawo 7.
Komabe, ngati munthu alandila ndalama zokwanira kubweza ngongole pang'onopang'ono, woweruza wa bankirapuse sangalole kuti aperekedwe Chaputala 7. Ngati ndalama zomwe wopemphayo alandira zikadakhala zocheperako ndi ngongoleyo, sizingavomerezedwe. Chiwonetsero cha Chaputala 7.
Chaputala 13 Bankirapuse
Chaputala 13 bankirapuse ya akaunti pafupifupi 36% yazosefera zosachita bizinesi. Kuchotsedwa kwa Chaputala 13 kumaphatikizapo kubweza ngongole zanu kuti ena akhululukidwe. Izi ndi njira kwa anthu omwe safuna kupereka katundu wawo kapena osayenerera Chaputala 7 chifukwa ndalama zawo ndizambiri.
Anthu atha kulembetsa bankirapuse ngati Chaputala 13 ngati ngongole zawo sizipitilira kuchuluka kwina. Mu 2020, ngongole yomwe sanateteze munthu sakanakhoza kupitirira $ 394,725 ndipo ngongole zotetezedwa zimayenera kukhala zosakwana $ 1,184 miliyoni. Malirewo amawunikidwanso kwakanthawi, chifukwa chake funsani loya kapena mlangizi wa ngongole kuti mupeze manambala aposachedwa kwambiri.
Pansi pa Chaputala 13, muyenera kupanga mapulani obwezera zaka zitatu mpaka zisanu kwa omwe amakongoletsani. Mukamaliza bwino dongosololi, ngongole zotsala zimachotsedwa.
Komabe, anthu ambiri samakwaniritsa bwino zolinga zawo. Izi zikachitika, omwe ali ndi ngongole amatha kusankha kubweza banki chaputala 7. Akapanda kutero, angongole atha kuyambiranso kuyesa kubweza ngongole zonse.
Mitundu yosiyanasiyana ya bankirapuse
Chaputala 9: Izi zimangokhudza mizinda kapena matauni okha. Imateteza ma municipalities kwa omwe amatenga ngongole pomwe mzindawu ukupanga njira yoyendetsera ngongole zake. Izi zimachitika nthawi zambiri mafakitale atatseka ndipo anthu amapita kukafunafuna ntchito kwina. Panali zojambula zinayi zokha za Chaputala 9 mu 2018. Munali 20 20 9 mu 2012, ambiri kuyambira 1980. Detroit anali m'modzi mwa omwe adalemba mu 2012 ndipo ndiye mzinda waukulu kwambiri kuti udasumitsa Chaputala 9.
Chaputala 11: Izi zidapangidwa kuti zizigulitsa. Chaputala 11 nthawi zambiri chimatchedwa kukonzanso bankirapuse chifukwa chimapatsa mwayi kwa mabizinesi kukhala otseguka pokonzanso ngongole ndi katundu kuti alipire omwe abweza ngongole. Izi zimagwiritsidwa ntchito makamaka ndi mabungwe akuluakulu monga General Motors, Circuit City, ndi United Airlines, koma atha kugwiritsidwa ntchito ndi makampani amtundu uliwonse, kuphatikiza mabungwe, ndipo nthawi zina, anthu. Ngakhale kuti bizinesiyo imapitilizabe kugwira ntchito nthawi ya bankirapuse, zisankho zambiri zimapangidwa ndi chilolezo cha makhothi. Panali zojambula za 6,808 zokha 11 mu 2019.
Chaputala 12: The Chaputala 12 chimagwira m'minda yamafamu ndi asodzi apabanja ndipo zimawapatsa mwayi kuti abwere ndi pulani yolipira ngongole zawo zonse. Khothi limafotokoza mosamalitsa kuti ndi ndani woyenerera, ndipo zimadalira munthu amene amalandira ndalama zapachaka ngati mlimi kapena msodzi. Ngongole za anthu, mabungwe, kapena mabungwe omwe amalemba Chaputala 12 sangathe kupitirira $ 4.03 miliyoni kwa alimi ndi $ 1.87 miliyoni kwa asodzi. Ndondomeko yobwezera ndalama iyenera kumalizidwa pasanathe zaka zisanu, ngakhale nyengo zaulimi ndi nsomba zikuwerengedwa.
Chaputala 15: Chaputala 15 chimagwira ntchito pamilandu yopanda malire, pomwe wobwereketsa ali ndi katundu ndi ngongole ku United States komanso kudziko lina. Panali milandu 136 Chaputala 15 yomwe idasumidwa mu 2019. Chaputala ichi chidawonjezeredwa ku bankirapuse mu 2005 ngati gawo la Bankruptcy Abuse Prevention and Consumer Protection Act. Milandu ya Chaputala 15 imayamba ngati milandu yakubweza ngongole kudziko lina ndikupita kumakhothi aku US kukayesa kuteteza makampani omwe ali ndi mavuto azachuma kuti asatsike. Makhothi ku United States amachepetsa mphamvu zawo pankhaniyi pokhapokha kwa katundu kapena anthu omwe ali ku United States.
Zotsatira zakusungitsa bankirapuse ku United States
Mfundo yofunika kwambiri yoti bankirapuse ndi yomwe imakupatsani kuyambiranso ndi ndalama zanu. Chaputala 7 (chotchedwa kutha) chimachotsa ngongole pogulitsa zinthu zomwe sizingafanane ndi zina zomwe zili ndi phindu lina. Chaputala 13 (chotchedwa mapulani olipidwa) chimakupatsani mwayi kuti mupange dongosolo lazaka 3-5 kuti mulipire ngongole zanu zonse ndikusunga zomwe muli nazo.
Zonsezi zimakhala ndi chiyambi chatsopano.
Inde, kulembera bankirapuse kumakhudza ziwongola dzanja zanu. Bankirapuse amakhalabe lipoti lanu la ngongole kwa zaka 7-10, kutengera chaputala chomwe mumapereka. Chaputala 7 (chofala kwambiri) chili mu lipoti la ngongole kwa zaka 10 , pomwe kulembedwa kwa Chaputala 13 (chachiwiri kwambiri) kulipo kwa zaka zisanu ndi ziwiri .
Munthawi imeneyi, kubweza ngongole kumatha kukulepheretsani kupeza ngongole zatsopano ndipo kungayambitsenso mavuto mukafunsira ntchito.
Ngati mukuganiza za bankirapuse, lipoti lanu la ngongole ndi ziwongola dzanja zanu mwina zawonongeka kale. Lipoti lanu la ngongole likhoza kusintha, makamaka ngati perekani ngongole zanu mosalekeza mutasumira bankirapuse.
Komabe, chifukwa chakutha kwa bankirapuse, akatswiri ena akuti mukufunika ndalama zosachepera $ 15,000 pangongole kuti bankirapuse ikhale yopindulitsa.
Kumene kubweza ngongole sikuthandiza
Bankirapuse sikuti amathetsa maudindo onse azachuma.
Simalipira ngongole ndi maudindo awa:
- Ngongole za Ophunzira ku Federal
- Alimony ndi chithandizo cha ana
- Ngongole zomwe zimadza pambuyo polemba bankirapuse
- Ngongole zina zidachitika m'miyezi isanu ndi umodzi asadafike bankirapuse
- Misonkho
- Analandira mwachinyengo ngongole
- Ngongole Zakuwonongeka Kwanu Mukuyendetsa Mukuledzera
Komanso sateteza iwo omwe adasaina limodzi ngongole zawo. Wobwereketsa mnzake anavomera kubweza ngongole yanu ngati simunalipira kapena simunathe kulipira. Mukasuma kuti bankirapuse achoke, omwe amakongoletsani nawo akhoza kukhalabe okakamizidwa kuti abweze zonse kapena gawo la ngongole yanu.
Zosankha zina
Anthu ambiri amaganiza kuti ndi bankirapuse pokhapokha atayang'anira ngongole, kuphatikiza ngongole, kapena kubweza ngongole. Izi zitha kukuthandizani kuti mubwezere ndalama zanu ndipo sizingasokoneze ngongole yanu ngati bankirapuse.
Kuwongolera ngongole ndi ntchito yoperekedwa ndi mabungwe omwe siabizinesi yopanga ngongole kuti achepetse chiwongola dzanja cha ngongole ya kirediti kadi ndikupanga ndalama zotsika mtengo pamwezi kuti athe kubweza. Kuphatikiza ngongole kumaphatikiza ngongole zanu zonse kuti zikuthandizireni kulipira pafupipafupi komanso munthawi yake pangongole zanu. Kubweza ngongole ndi njira yokambirana ndi omwe amakongoletsani kuti muchepetse ndalama zanu. Ngati mukuchita bwino, mumachepetsa ngongole zanu.
Kuti mumve zambiri pokhudzana ndi bankirapuse ndi zina zomwe mungachite pakuthandizira ngongole, funsani uphungu kwa omwe amakupangitsani ngongole kapena werengani masamba a Bungwe la Federal Trade Commission .
Zamkatimu
- Kodi bankirapuse imagwira ntchito bwanji?
- Ndani amasungira Bankirapuse
- Kodi Ndiyenera Kulemba Liti Bankruptcy?
- Bankirapuse ku United States
- Momwe mungasungire bankirapuse?
- Mitundu ya bankirapuse
- Chaputala 7 Bankirapuse
- Chaputala 13 Bankirapuse
- Mitundu yosiyanasiyana ya bankirapuse
- Zotsatira zakusungitsa bankirapuse ku United States
- Kumene kubweza ngongole sikuthandiza
- Simalipira ngongole ndi maudindo awa:
- Zosankha zina
- Zofunikira Kuti Mugule Nyumba Ku United States - Upangiri
- Kodi ndingadziwe bwanji ngati ndili ndi matikiti oyendetsa magalimoto ku United States?
- Zindalama zingati ku United States?
- Kodi namwino amalandira ndalama zingati ku United States? - kalozera wathunthu
- Masitolo 12 apamwamba pa intaneti ku United States
- Momwe mungayimbire mwachinsinsi ku United States? - Buku Lathunthu