Sikakorabea Akontaabu a Wɔaka abom a Ɔhokafo Bi Asɛe no Anaasɛ Wɔasiesie no ama Ɔbarima bi a Ɔka Ho Ka: Sika a Tete Ahorow a Wɔhwehwɛ¶

Sɛ wohu sɛ sika a wɔde gye sika anaa sikakorabea a wɔbom yɛ no so atew mpofirim akodu $0.00, esiane sɛ ɔhokafo anaa ofie hokafo bi a ɔretetew ne ho no de nhama a aka no nyinaa kɔmae wɔ kokoam anadwo biako ansa na wɔregyae aware, anaasɛ esiane sɛ obi a ɔde ka no, obi a ogye ɛka, anaa towtua adwumakuw bi de Bank Account Levy (Writ of Garnishment) maa ɔwofo bi a ne mfe akɔ anim, abofra, . anaasɛ obi a ɔne no te dan mu a wɔde ne din kaa akontaabu no ho "sɛnea ɛbɛyɛ a ɛbɛyɛ mmerɛw" nkutoo, yɛ sikasɛm mu ahokyere a emu yɛ den a ɛma wuntumi ntua dan ka, dan ka, anaa nneɛma a wobɛtɔ. Wɔ gyinapɛn Deposit Account Agreement a ɛwɔ aguadi sikakorabea ne boseabɔ kuw biara mu ase no, obiara a wɔakyerɛw ne din sɛ owura a wɔbom yɛ adwuma no wɔ hokwan a ɔne sikakorabea no yɛ apam wɔ ɔfã biako sɛ obeyi sika a aka no ɔha biara mu nkyem 100 a owura foforo no mfa ne nsa nhyɛ ase. Nanso, sikakorabea bi mmara a ɛfa adetɔfoɔ som ho ENNI wɔn a ɔwɔ sika no wɔ mmara kwan so wɔ ɔman agyapadeɛ ne wɔn a wɔde wɔn ka ho mmara ase. Wɔ Uniform Probate Mmara (UPC Ahyɛdeɛ VI - 10) ase. Net Contribution Rule), ɔman Equitable Distribution / Community Property fiduciary statutes, ne ɔman Third-Party Claim of Exemption nhyehyɛe ahorow no, obi a ɔwɔ akontaabu a wɔbom yɛ no nkutoo na ɔwɔ akontaabu no fã pɔtee a wɔn ankasa de sie no wɔ mmara kwan so (their net contribution), na ɔhokafo a ɔtetew ne ho a ɔtew aware akontaabu mu no yɛ Aware mu Agyapade a Wɔsɛe no a wobetumi de adi dwuma. Sɛ wo hokafo bi asɛe wo sika a woaka abom no nkyɛe anaasɛ obi a ɔne wo de wo ka no ahyɛ no nwini a, yɛ ho biribi wɔ nnɔnhwerew 24 a edi kan no mu, hwɛ wo mpɔtam hɔ nɔma ahorow a egye ntɛmpɛ ne asɛnnibea ankasa mmoa nneɛma, na hwɛ yɛn sikakorabea akontaabu ho tow ne sika a wɔayi afi mu ho akwankyerɛ, yɛn sikasɛm mu ayayade ne wɔn a wɔde di dwuma ɔkwammɔne so ho akwankyerɛ, ne yɛn cosigner default ne ɛka a wɔka bom yɛ ho akwankyerɛ.

Sɛnea Consumer Financial Protection Bureau (CFPB), Uniform Law Commission, ne abusua ne asɛnnibea a wɔde asɛm kɔdan asɛnnibea a edi kan wɔ Amerika Atifi fam nyinaa kyerɛ no, adetɔfo ɔpepem pii a wonnim na wɔyɛ mmara kwan so atopae a ɛyɛ tick denam abofra a wanyin a wɔde ka ɔwofo bi a ne mfe akɔ anim Social Security sikakorabea akontaabu ho de boa ma wotua ka, anaasɛ wɔde ɔhokafo foforo anaa kɔlegeni foforo ka sikakorabea titiriw bi ho. Sɛ obi a ɔtɔ bosea wɔ credit card so nya atemmu a ɛkyerɛ sɛ ontumi ntua saa abofra a wanyin anaa nea ɔne no te dan mu no a, sikakorabea-tow software a ɛyɛ adwuma a ɔde ka no de Social Security Number hwehwɛ mu na ɛma sika biara a wɔaka abom a saa onipa no din wɔ so no ɔha biara mu nkyem 100 siw nwini mu, sɛ mpo nea ɔde ka no amfa sika biako mpo anhyɛ akontaabu no mu da a. Nim a wunim sɛnea wode Non-Debtor Co-Owner Third-Party Claim of Exemption ("Source-of-Funds Tracing Affidavit") bɛto gua wɔ nnafua 10 kosi 15 mmara kwan so tow mfɛnsere a ɛyɛ katee no mu, sɛnea wobɛfrɛ asram 2 automatic federal lookback ahobammɔ (31 CFR Part 212) ma Social Security ne VA mfasoɔ, ne sɛdeɛ wobɛnya abusua asɛnnibea a ɛhia ntɛm Automatic Temporary Restraining Order (ATRO) / Akontaabu ne Clawback Order a wɔde tia ɔhokafo a ɔtow hyɛɛ akontaabu a wɔaka abom so no bɔ w’asetrade ho ban.

Yɛ eyi mprempren¶

1. Bue "Owner-Owner" checking account foforo koraa wɔ sikakorabea soronko koraa nnɛ na dane w'akatua ne sika a wode asie tẽẽ no kwan ntɛm ara. Sɛ́ ebia wo joint account no yɛ nea ɔhokafo a ɔtetew mu na ɔsɛee no anaasɛ co-owner's judgment creditor na ɔde no too nwini mu, akatua foforo biara, pension a wotua, anaa tow a wɔsan de ma a ɛbɛkɔ saa akontaabu a ɛwɔ hɔ dedaw no mu ɔkyena anɔpa no bɛyɛ nso wɔbɛprapra no akɔ anaasɛ wɔayɛ no nwini. Mmue w’ankorankoro akontaabu foforo no wɔ sikakorabea koro no ara mu. Nantew kɔ sikakorabea anaa boseabɔ kuw bi a ɛne no nni abusuabɔ mu nnɛ, bue ankorankoro akontaabu wɔ wo din nkutoo mu, na fa sika a wode asie tẽẽ no yɛ foforo wɔ w’adwumawura akatua ho kwan so (ADP, . Workday, . Gusto) anaasɛ Asetra mu Ahobammɔ Dwumadibea (ssa.gov/myaccount anaasɛ 1-800-772-1213).
2. Twe asram 12 kosi 24 a etwa to a ɛwɔ PDF ɔsram biara sikakorabea nkrataa ne nnwuma ho abakɔsɛm ANSA na wɔatwa wo intanɛt so kwan no so. Sɛ ɔhokafo bi yi sika a wɔde di dwuma wɔ sikakorabea bi mu na ɔka kyerɛ sikakorabea no sɛ wɔnto mu, anaasɛ sɛ sikakorabea bi de mmara kwan so towtua to akontaabu bi so a, wobetumi asiw wo intanɛt so sikakorabea kwan no ano wɔ nna kakraa bi mu. Twe ntɛm ara na sie ɔsram biara PDF asɛm biara, wire transfer confirmation, ACH transfer routing number, ne direct-deposit ledger a atwam asram 12 kosi 24. Saa nsɛm no yɛ asɛnnibea adanse pɔtee a ɛsɛ sɛ wode kyerɛ ɔtemmufo no baabi a wo hokafo no de sika no kɔe, anaasɛ sɛ sika a wɔde asie wɔ akontaabu a wɔasiesie no mu ɔha biara mu nkyem 100 fi w’akatua anaa Social Security** mu, na ɛnyɛ nea ɔde ka no yɔnko wura no de.
3. Sɛ obi a ɔde ka no na ɔde FROZEN akontaabu no wɔ ɛka a obi a ɔne no bɔ no ka ho a: frɛ Sikakorabea no Mmara kwan so Ahyɛde / Garnishment Processing Department nnɛ na woanya Asɛm no nɔma, Asɛnnibea Din, ne Ɔdefɛmfo Mmaranimfo telefon nɔma. Baa dwumadibea adwumayɛfo nni tumi biara sɛ wobeyi towtua a wɔde ahyɛ obi nsa a asɛnnibea ahyɛ sɛ wɔmfa mma no afi hɔ. Bisa sikakorabea no centralized Legal Order Processing / Subpoena & Levy Unit no telefon nɔma, na kyerɛw nokwasɛm anan a ɛho hia: (1) Asɛnnibea ne Asɛm Nnɔmba pɔtee a ɛwɔ atemmu no mu, (2) nea ɔne no yɛ ne wura a wɔato no din Atemmu Debtor, (3) da pɔtee a wɔde Writ of Execution no kɔmaa sikakorabea no, ne (4) mmara kwan so sika a wɔde bɛkɔ baabi foforo (mpɛn pii no nnafua 10, 14, 15, anaa 21 fi bere a wɔde mae) ansa na sikakorabea no de sika a wɔahyɛ no nwini no akɔma ɔmansin sohwɛfo anaa nea ɔde ka no.
4. Fa "Non-Debtor Co-Owner Claim of Exemption / Third-Party Claim of Ownership" a wɔagye atom no kɔma Asɛnnibea ne Sheriff ANSA na nnafua 10 kosi 15 turnover dɔn no aba awiei. Ɛkame ayɛ sɛ wɔ ɔman biara mu no, sɛ atemmufo a ɔde bosea ma no gye sikakorabea akontaabu a wɔaka abom a, mmara no mfiase no fa no sɛ nea ɔde ka no wɔ ɔha biara mu nkyem 100 anaa ɔha biara mu nkyem 50 wɔ sika a aka no mu, nanso saa nsusuwii no yɛ nea wobetumi abɔ ɔha biara mu nkyem 100 agu denam sika a wɔde asie no a wɔbɛhwehwɛ so. Wɔ mmara kwan so mfɛnsere a wɔatintim wɔ Notice of Levy no so no, fa ntam Claim of Exemption / Third-Party Claim a wode wo asram 3 kosi 6 a etwa to wɔ sikakorabea nkrataa ne akatua nkrataa a wode asie biara a wɔasi so dua ka ho, a ɛkyerɛ sɛ sika no ɔha biara mu nkyem 0 na ɔdefo no yɔnko wura na ɔde mae.
5. Sɛ ɔhokafoɔ anaa ɔhokafoɔ a ɔretete ne ho na ɔtwee akontaabuo no a: fa Abusua Asɛnnibea Akontaabuo, Freeze, ne Bere tiaa mu Mmoa Ahyɛdeɛ krataa kɔma ntɛm ara. Wɔ U.S. mantam biara abusua mmara ase no, awaregyaeɛ atemmufoɔ bu no sɛ Awareɛ mu Nneɛma a Wɔsɛe no / Fiduciary Breach / Anticipatory Dissipation of Assets. Sɛ wɔde Adesrɛ a Wɔde Kɔdan Asɛnnibea sɛ Wɔmma Wɔntetew Mu anaasɛ Wɔntetew Mu a, ɛkanyan Automatic Temporary Restraining Orders (ATROs) na ɛma wo mmaranimfoɔ kwan ma ɔsrɛ ɔtemmufoɔ no sɛ ɔmma no Ahyɛdeɛ a ɛfa Sika a Wɔsan de Ba Ntɛm ara mfa ntua ofie ka, anaasɛ Off-the-Top Dollar-for-Dollar Offset a ɛtwe sika a wɔagye no ɔha mu nkyekyɛmu 100 firi ɔhokafoɔ a ɔretu no kyɛfa a ɔwɔ wɔ fie sika anaa pɛnhyenkɔ akontaabuo mu.
6. Gyae sika a wɔde tua ho ka a wɔyɛ no ankasa (ACH debits) wɔ joint account a hwee nni mu anaasɛ wɔahyɛ no nwini no so nnɛ de asiw cascading $35 NSF / Returned Payment fees ano. Sɛ wɔde sikakorabea tow ahyɛ akontaabu bi nwini anaasɛ ɔhokafo bi de zero a, utility, kar-bosea, dan ka, ne credit-card auto-pays a wɔadi kan ama ho kwan no bɛbɔ mmiako mmiako, na ɛbɛkanyan $35 returned-item fees ne credit-bureau a ɛkyɛ agyiraehyɛde ahorow. Kɔ biller biara wɛbsaet na popa joint account no routing ne account number fi auto-pay mu ntɛm ara.

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Gyinaesi dua: Ntɛmntɛm triage ma sikakorabea akontaabu a wɔaka abom a nsu asɛe anaasɛ nea ɔde ka no ayɛ nwini¶

Fa mmara kwan so gyinaesi dua a ɛwɔ akwan abien yi di dwuma a egyina sɛ ebia akontaabu wura foforo no na ɔde wo sika a woaka abom no guu mu anaasɛ obi foforo a ɔde wo ka no na ɔde too nwini so.

flowchart TD
    Start["Joint Bank Account Pofirim Kyerɛ $0.00 ANAA 'Legal Hold / Levy Freeze'."] --> CauseCheck{"1. Hena na ɔfaa sika a ɛwɔ joint account no mu no anaasɛ ɔde too nwini mu?"}

    CauseCheck -->|"TRACK A: Ɔhokafo, Ɔhokafo, anaa Co-Owner a Ɔtetew Mu no Yii / Wired Out Sika no"| SpouseTrack["SPOUSE / CO-OWNER DRAINED ACCOUNT: 1. Bue SOLE-OWNER sikakorabea akontaabu foforo wɔ sikakorabea foforo mu nnɛ & sesa akatua ho sika a wɔde asie tẽẽ 2. Twe asram 12-24 a atwam no PDF sikakorabea nsɛm & wire/ACH transfer logs 3. Twa auto-pay sika a ɛbata akontaabu a ɛda mpan no ho nyinaa mu"]

    SpouseTrack --> RelationshipType{"2A. So woaware wɔ mmara kwan so (anaasɛ wode awaregyae/ntetewmu krataa rekɔma)?"}

    RelationshipType -->|"YIW: Ɔhokafo a Waware / Ɔregyae Aware"| FamilyCourt["ABUSUA ASENNIBEA NKYEKYƐMU NSƐM: - Fa Adesrɛ a Wɔde Kɔdan Awaregyae/Ntetewmu ma ɛkanyan Automatic Temporary Restraining Orders (ATROs) - Fa Petition for Temporary Support, Accounting, & Immediate Return of 50%+ of Household Funds - Fa Dollar-for-Dollar Offset to ɔhokafo kyɛfa a ɔwɔ wɔ ofie/401(k) mu wɔ agyapade mu kyɛfa a etwa to mu"]

    RelationshipType -->|"DABI: Ɔhokafo a Ɔnware, Ɔhokafo a ɔne no te dan mu, anaa obusuani"| CivilConversion["UNARRIED CO-OWNER 'NET CONTRIBUTION' RECOVERY: - Wɔ Uniform Probate Code § 6-211 ase no, sika a wɔbom yɛ wɔ akontaabuo mu wɔ nkwa nna mu no yɛ ɔfa biara dea sɛdeɛ wɔn NET CONTRIBUTIONS teɛ - Send formal Demand Letter tracing 100% of your payroll deposits - File Small Claims / Civil Conversion & Unjust Enrichment lawsuit + request bank freeze on receiving akontaabu"]

    CauseCheck -->|"TRACK B: Ɔdefɛmfoɔ, Ɛka Adetɔfoɔ, anaa Toɔ Dwumadibea no Froze Account for Co-Owner’s Debt"| CreditorTrack["CREDITOR LEVY / GARNISHMENT ON CO-OWNER: 1. Frɛ Bank Legal Order Unit: nya Asɛnnibea Din, Asɛm #, Debtor Name, & Turnover Date 2. Bue SOLE-OWNER akontaabu foforo wɔ sikakorabea soronko ma daakye sika a wode bɛto hɔ 3. Hwɛ sɛ akontaabu no kura Social Security / VA / SSI a wɔde asie tẽẽ (wɔabɔ ho ban wɔ 31 CFR Ɔfã 212 ase) anaa."]

    CreditorTrack --> TraceFunds["2B. FA FILE NON-DEBTOR 'THIRD-PARTY CLAIM OF EXEMPTION' (WITHIN 10-15 DAYS): - Nya Court Claim of Exemption / Third-Party Claim kratasin - Fa asram 3-6 a atwam no Sikakorabea Nsɛm + wo Paystubs/SSA nsɛm ka ho - Fa 'Source of Funds Tracing' so di adanse sɛ 100% a aka no, WO na wode too hɔ (the Non-Debtor) - Fax copy kɔ Creditor’s Attorney a ɛhwehwɛ sɛ wɔma Voluntary Levy Release ntɛm ara"]

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Track A vs. Track B: Sɛnea mmara no di co-owner withdrawal vs. co-owner creditor levy ho dwuma¶

Sɛ wobɛsan anya wo sika ntɛm a, ɛsɛ sɛ wote Amerika, Canada, UK, ne Commonwealth sikakorabea mmara fapem mmara bi ase: "Two-Tier Ownership Rule" (Uniform Probate Code Article VI, §§ 6-201 kosi 6-227).

• Tier 1 (Bank Protection Contract): Wɔ wo ne sikakorabea ntam no, owura a wɔbom yɛ adwuma no mu biara betumi de ne nsa ahyɛ krataa ase sɛ wobegye sika no 100%, na wo worentumi mfa sikakorabea no nkɔ asɛnnibea sɛ woama wo yɔnko wura no kwan ma wayi sika no (gye sɛ akontaabu no hwehwɛɛ pefee sɛ wɔde wɔn nsa bɛhyɛ ase abien de ayi sika no).
• Tier 2 (True Beneficial Ownership Between the Parties & Creditors): Wɔ wo, co-ownership, ne obiara a ɔto so abiɛsa a ɔde bosea ma ntam no, sikakorabea akontaabu a wɔaka abom yɛ onipa biara dea wɔ afã horow no nkwa nna nyinaa mu sɛnea wɔn "Net Contribution" no hyia pɛpɛɛpɛ wɔ sika a wɔde asie (UPC § 6-211(b)), gye sɛ adanse a emu da hɔ na ɛyɛ nokware wɔ hɔ a ɛkyerɛ sɛ wɔde akyɛde bi a wontumi nsakra.

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Track B Deep Dive: Sɛnea wobeyi sikakorabea akontaabu a wɔaka abom a wɔasiesie ama obi a ɔne no bɔ ka (The "Source-of-Funds Tracing" Method)¶

Sɛ obi a ɔgye bosea no mmara adwumayɛbea de sikakorabea toɔ ma aguadi sikakorabea anaa boseabɔ kuo bi de gye atemmuo tia Onipa B (wo ba a wanyin, wo wofo a ne mfeɛ akɔ anim, wo te dan mu, anaa wo hokafoɔ wɔ ɛka a ɛyɛ soronko ansa na woawareɛ) a, ɔdefɛmfoɔ no mmaranimfoɔ nni adwene biara sɛ n’akatua wɔ saa akontaabuo no mu ankasa. Sikakorabea no bɔ amanneɛ kɛkɛ sɛ: "Yɛkura $8,400 wɔ akontaabu a wɔaka abom a wɔakyerɛw so wɔ Onipa A ne Onipa B din mu."

Mmara kwan a wɔfa so yɛ anammɔn 3 pɛpɛɛpɛ a wode bɛkyerɛ sɛ sika no yɛ wo dea ni (Person A's) na hyɛ nea ɔde wo ka anaa ɔtemmufo no ma onyi wo sika ɔha biara mu nkyem 100:

Anamɔn 1: Yɛ Wo "Deposit Tracing Table" (Nnafua 90 kosi 180 a Etwa To a Wɔde Ka Nsɛm) .¶

Print asram 3 kosi 6 a etwa to a ɛwɔ sikakorabea nkrataa a wɔde ma ɔsram biara a ɛkɔ da a wɔde freeze no bɛba no. Twe adwene si sika biara a wode asie so (payroll direct deposit, mobile check deposit, Social Security payment) wɔ saa bere no mu. Yɛ kratafa 1 nsɛm tiawa a wɔde kata so wɔ w’asɛnnibea packet no atifi: - Total Kari pɛ Frozen wɔ so [Date]: 1. . $8,420.00 - Nneɛma a Owura a Ɔnyɛ Ɔdefo ([Your Name]) wɔ nnafua 90 a atwam no mu: $11,200.00 (100% of all deposits, a ɛyɛ akatua a wɔde ma dapɛn abien biara fi [Employer Name]) . - Nneɛma a Atemmuo Ɔdefoɔ de asie ([Co-Owner's Name]) wɔ nnafua 90 a atwam no mu: $0.00 (0.0% of all deposits) - Mmara mu Awieeɛ: Wɔ ɔman Uniform Probate Code / Multiple-Party Accounts Law ase no, Atemmuo Debtor no Net Contribution ne attachable equitable interest wɔ akontaabuo no mu yɛ $0.00 na ɛyɛ.

Anamɔn 2: Fa Ɔman Asɛnnibea "Claim of Exemption / Third-Party Claim" no kɔdan no wɔ Mmara kwan so Bere a Wɔde Ma no mu¶

Ɔman biara de asɛnnibea kratasin a wɔde kyerɛw nsɛm tiawa a ɛyɛ ntɛm ma obi a ɔnyɛ ɔdefo a ɔne no yɛ adwuma de hwehwɛ sikakorabea sika a wɔahyɛ no nwini: - California: Fael Kratasin EJ-160 (Asɛm a wɔka sɛ wɔayi wɔn afi mu) ne Form EJ-165 (Sikasɛm Ho Amanneɛbɔ), anaasɛ Abiɛsa a Wɔka sɛ Ɔyɛ Ne Wura (CCP § 720.110), ne ɔpanyin a ɔgye toɔ (County Sheriff) no wɔ nnafua 15 akyi wɔ Towtua ho Amanneɛbɔ no akyi (10 days sɛ wɔsom wɔn ankasa a). - New York: Wɔ CPLR § 5222-a & § 5239 ase no, fa Exemption Claim Form no san kɔ wɔ nnafua 20 mu anaasɛ fa asɛm titire bi kɔma a ɛkyerɛ sɛ sɛ́ obi a ɔnyɛ ɔdefo a ɔbom tra (anaasɛ ɔde ne nsa hyɛ ase sɛ ɔde ne nsa hyɛ ase wɔ NY Sikakorabea Mmara § 678 ase) no, sika no yɛ wo nkutoo dea. - Texas: Fa Motion to Dissolve Writ of Garnishment / Third-Party Intervention wɔ Texas Estates Code § 113.102 ase ("Wɔ nnipa a wɔwɔ akontaabu a wɔaka abom mu nyinaa nkwa nna mu no, akontaabu no yɛ afã horow no dea sɛnea ɔfã biara de ntoboa a wɔde ma wɔ sika a wɔde asie no te"). - Florida: Fa Asɛm a ɛkyerɛ sɛ wɔayi wo afi mu ne Abisade a ɛfa asɛm a wɔde bɛtie asɛm (Fla. Stat. § 77.041) ne Ntam a ɛkyerɛ sɛ obi a ɔnyɛ ɔdekafoɔ a wɔaka abom akontabuo (Fla. Stat. § 77.07 / § 655.79) wɔ nnafua aduonu mu wɔ bere a wɔanya Notice of Garnishment no akyi.

Anamɔn 3: Fax ne Email Wo Tracing Packet no tẽẽ kɔma Creditor’s Collection Attorney Ɛnnɛ¶

Mmara adwumayɛbea ahorow a wɔde gye sika kwati sɛ wɔbɛkɔ asɛnnibea asɛnnibea bere a wonim sɛ wɔbɛhwere ade, na wɔ aman pii mu no, wobetumi agye obi a ɔde ka a ɔpow sɛ obeyi tow bi adi bere a wanya adanse a ɛkyerɛ sɛ sika no yɛ obi a ɔnyɛ obi a ɔde ka anaasɛ wɔayi no afi Social Security sika mu no ho asotwe wɔ ɔde abata ho wɔ ɔkwan a ɛnteɛ so. - Da koro no ara a wode wo Claim of Exemption no kɔma Sheriff anaa Asɛnnibea no, frɛ, email, na fa fax wo sikakorabea nkrataa a wɔasi so dua ne akatua ho nkrataa no tẽẽ kɔma Collection Attorney a wɔakyerɛw wɔ Writ of Garnishment no so. - State politely: "Me ne non-debtor co-owner wɔ saa account yi so. Attached ne asram 4 a etwa to a sikakorabea nkrataa a ɛkyerɛ sɛ sika a wɔde asie no 100% fi m'adwumawura akatua mu na $0.00 fi asɛnnibea debtor. Mede formal Claim of Exemption akɔma Sheriff nnɛ. Mesrɛ wo fax a Voluntary Release of Garnishment to the bank's Legal Order department nnɛ." Wɔ nsɛm dodow no ara a ɛda adi pefee a wɔde hwehwɛ nneɛma mu no, mmaranimfo a ɔgye sika no de fax bɛmena sikakorabea no wɔ nnɔnhwerew 24 kosi 72 mu.

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Track A Deep Dive: Nea ɛsɛ sɛ woyɛ bere a ɔhokafo anaa ɔhokafo a ɔretetew ne ho no resɛe sika a wɔde abɔ mu no¶

Sɛ aware anaa ayɔnkofa a wɔde bere tenten ayɛ no sɛe a, ɔhokafo biako taa bɔ hu na ɔde ɔha biara mu nkyem 50 kosi ɔha biara mu nkyem 100 a wɔaka abom a wɔde hwɛ sika ne sika a wɔde asie no kɔ ankorankoro akontaabu bi a ɛwɔ kokoam mu da a edi kan ansa na watu afi hɔ.

1. Nea enti a "Obiara a Odi Kan Kɔ Sikakorabea no Sie Sika no" Yɛ Mmara mu Atosɛm a Edi Mu¶

Awarefo pii susuw sɛ esiane sɛ sikakorabea sohwɛfo no ma wɔde dɔla 60,000 fi sika a wɔde sie a wɔbom yɛ no mu fi telefon so nti, wonya kwan de saa dɔla 60,000 no sie awaregyae no mu. Wɔ U.S. mantam biara mu, Canada mantam, UK abusua asennibea, ne Australia abusua asennibea biara no, ɛno yɛ atoro ɔha biara mu nkyem 100. - Wɔ Mpɔtam hɔ Agyapade Aman (California, Texas, Arizona, Nevada, Washington, Idaho, Louisiana, New Mexico, Wisconsin) ne Aman a Wɔkyekyɛ Nneɛma Pɛ (all other 41 states), da a ɔhokafo bi bɛpae sikakorabea a wɔaka abom de ahwɛ kwan sɛ wɔbɛtetew mu no, wɔkyere wɔ Aware mu Agyapade Mfonini no mu. - Dɔla biara a wo hokafo yii boro wɔn kyɛfa a wɔama ho kwan no so no, mmara kwan so no, wɔabu no sɛ "Awareɛ mu Agyapadeɛ a Wɔbɛkyɛ" anaa "Awareɛ mu Agyapadeɛ a Wɔsɛe no."

2. Abusua Asɛnnibea Nsiesiei 3 a Wubetumi Ahwehwɛ Ntɛm ara¶

1. Ntɛmntɛm Pendente Lite (Bere tiaa mu) Nsusuwii a ɛfa Ofie Sika a Wɔsan de Ba:
2. Sɛ wo hokafoɔ no gyaa joint checking account no mu wɔ bosome no da a ɛtɔ so aduonu nwɔtwe, na ɛma wo nya $0 a wode bɛtua dan ka, daycare, utilities, anaa aduane no wɔ da a ɛtɔ so 1 a, Abusua Asɛnnibea temmufoɔ bɛtumi atie nsɛm a wɔde ntɛmpɛ a ɛhyɛ ɔhokafoɔ a ɔretu nsuo no sɛ ɔnsan nsan mfa 50% kɔsi 100% a ɛwɔ fie a ɛyɛ adwuma no mu ntɛm ara na ontua wo mmaranimfoɔ no ka.
3. Ahyɛde a Wɔde Siw Ano Bere Tiaa Mu Ahorow a Wɔyɛ (ATROs) & Sikakorabea Freeze Ho Amanneɛbɔ:
4. Awaregyae krataa a wɔde kɔma na wɔde ma no de Automatic Financial Restraining Orders a asɛnnibea ahyɛ no si hɔ a ɛbara ɔhokafo no mu biara sɛ ɔmfa akontaabu foforo biara, 401(k)s, anaa boseabɔ kwan biara nkɔ baabi foforo, mfa nsie, anaasɛ ɔmfa nsɛe.
5. Wɔ ɔman no mmara ase (te sɛ California Abusua Mmara § 1100 anaa New York Ofie Abusuabɔ Mmara § 236), wobɛtumi de Notice of Adverse Claim / Revocation of Single-Signature Authority a wɔakyerɛw akɔma sikakorabea no de ahwehwɛ sɛ wode nsa bɛhyɛ aseɛ mmienu nyinaa** wɔ sika biara a wobɛyi daakye ho anaasɛ wobɛto joint account a wɔagyae mu no mu.
6. "Dollar-for-Dollar Offset" (Anaasɛ California Rossi 100% Asotwe):
7. Sɛ mpo wo hokafo no sɛee $40,000 a wogye fii sika a wɔbom yɛ no mu dedaw a, awaregyae asɛnnibea no twa saa $40,000 no fi wo hokafo no fie sika anaa pɛnhyen sika no fã mu tẽẽ wɔ bere a etwa to a wosiesiee no mu, ne aman te sɛ California (Family Code § 1101(g)-(h)), ɔhokafoɔ a ɔbu fiduciary duty so denam mpɔtam hɔ sika a ɔhyɛ da sie no so no, wɔbɛtumi atwe no aso 50% kɔsi 100% wɔ agyapadeɛ no boɔ a wɔde aka mmaranimfoɔ ka ho.

3. Na Sɛ Woanware Ne Co-Owner a Ɔmaa Akontaabu no Mu Nsae no nso ɛ? (Ɔhokafo, Ayeforokunu, Ɔbarima a ɔne no te dan mu, anaa Onua)¶

Sɛ ɔhokafo bi a ɔwaree, n’ayeforokunu dedaw, anaa abusua muni bi de sika a wɔbom yɛ a wo de w’akatua anaa sika a wode asie guu mu no mu a: - Ɔman no ɔmanfo mmara abɔ wo ho ban wɔ Uniform Probate Code Net Contribution Rule (UPC § 6-211) na ɛyɛ. - Aseɛ UPC § 6-211, sɛ wode ɔhokafo a ɔnwaree din ka sikakorabea akontaabu a wɔbom yɛ ho a ƐMMFA wo sika no wurayɛ mma wɔn wɔ wo nkwa nna mu. Dɔla dodow pɔtee a wɔde mae a wɔayi nea wɔsɛee no afi mu no nkutoo na ɔfã biara wɔ. - Adeyɛ Ntɛm ara: Fa Civil Conversion Demand Letter a wɔakyerɛw wɔ ɔkwan a ɛfata so mena denam krataa a wɔagye atom so a ɛma wɔn adwuma nna 5 sɛ wɔmfa wo ntoboa a wɔahwehwɛ no mma, na sɛ wɔpow a, fa krataa kɔ Small Claims Court anaa Civil District Court ma Conversion, Breach of Bailment, ne Unjust Enrichment, fa wo sika a wode asie ho nsɛm a wɔasi so dua no ka ho.

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Mpɔtam hɔ ntɛmpɛ nɔma ne adwumakuw no nhyehyɛe ahorow¶

Sikakorabea a wɔbom gye a wɔayi afi mu, aware mu agyapade a wɔde hyɛ obi nsa, ne sikakorabea ho ɔbɔfo ho nhyehyɛe ahorow no yɛ adwuma wɔ ɔman nhyehyɛe pɔtee bi ase:

• Aman Nkabom Kuo:
• Federal Automatic Mfaso Ahobammɔ (31 CFR Part 212): Bere biara a akontaabu a wɔaka abom benya Social Security, SSI, VA, Federal Railroad Retirement, anaa Federal Civil Service Retirement denam sika a wɔde bɛto hɔ tẽẽ so no, aban mmara hwehwɛ sɛ sikakorabea no bɔ asram 2 a edi mũ a wɔde bɛto mfaso so ho ban ankasa fi ɔman no atemmu mu boseabɔfo tow biara ho, sɛ mpo tow no tia ne yɔnko wura foforo no a.
• Regulator Complaints & Legal Aid: Sɛ sikakorabea bi de aban mfasoɔ to hɔ wɔ ɔkwan a mmara mma ho kwan so anaasɛ ɛpow sɛ wɔbɛdi toɔ a wɔayi no adi a ɛfata ho dwuma a, fa anwiinwii a egye ntɛmpɛ kɔma Consumer Financial Protection Bureau (CFPB) wɔ consumerfinance.gov/complaint (1-855-411-2372) anaa Sika no sohwɛfoɔ adwumayɛbea (OCC). Hwehwɛ garnishment ananmusifo a wontua hwee a wontua hwee wɔ ** .LawHelp.org** na ɛyɛ.
• Canada: 1. Ɔde ne nsa kyerɛɛ ne so.
• Akontaabuo a Wɔbom Yɛ Ho Mmara (Notice of Garnishment): Wɔ amansin a mmara a wɔtaa de di dwuma mu no, wɔn a wɔne wɔn yɛ wɔn a wɔnyɛ ɛkafo betumi asi akan wɔ agyapade a wɔde gye sika ho wɔ Agyede ho Adetie mu denam adanse a wɔbɛkyerɛ sɛ wɔn nkutoo na wɔyɛ pɛ so (Resulting Trust wɔ Canada Asɛnnibea Kunini no gyinaesi a ɛfa Pecore v. Pecore, 2007 SCC 17) ase.
• Awareɛ mu Freeze: Kɔ ɔmantam Abusua Mmara Amanneɛbɔbea (FLIC) nkyɛn na woanya Restraining / Preservation Order ntɛm ara sɛ ɔhokafoɔ bi sɛe abusua agyapadeɛ a.
• Ahemman Nkabom:
• Afã a Ɛto so Abiɛsa Ɛka Ho Ahyɛde (CPR Part 72) Entumi Nfa Akontaabu a Wɔaka abom a Wɔde Bɛka Owura Baako Ka Ho: Wɔ Engiresi ne Welsh Ɔmanfo Asɛnnibea Mmara ase (CPR Part 72) ne House of Lords precedent (Hirschhorn v Evans), atemmufoɔ a ɔde bosea ma ntumi mfa Third Party Debt Order nni dwuma mfa nsiw anaa nnye sikakorabea akontaabuo a wɔaka abom sɛ wɔn a wɔbom yɛ akontaabuo no mu baako pɛ na ɔde atemmuo ka no ka a. Sɛ sikakorabea bi di mfomso de sika a wɔaka abom ahyɛ mu esiane ɛka biako pɛ nti a, nwiinwii ntɛm ara kɔ sikakorabea no ne Financial Ombudsman Service (FOS - . 0800 023 4567) na ɛyɛ.
• Ohokafoɔ / Co-Owner Dispute Freeze: Wɔ UK no, sɛ wo ne wo hokafoɔ bi retetew mu a, joint owner biara bɛtumi afrɛ sikakorabea no na wakyerɛ wɔn sɛ "Freeze the Joint Account / Cancel the Mandate" sɛdeɛ ɛbɛyɛ a wɔbɛhia sɛ wɔde wɔn nsa hyɛ aseɛ mmienu wɔ sika foforɔ biara a wɔbɛyi afiri mu.
• Europa Aman Nkabom Kuo:
• Germany (Pfändungsschutzkonto / P-Konto - . § 850k & § 850l ZPO): Wɔ Germany Ɔmanfo Asɛnnibea Mmara ase ** .§ 850l ZPO**, sɛ akontaabu a wɔbom yɛ ( .Gemeinschaftskonto) no ayɛ garnished ama owura biako ka, nea ɔnyɛ ɔdefo a ɔne no yɛ adwuma no wɔ mmara kwan so hokwan wɔ ɔsram 1 akyi fi bere a wɔde abata ho no mu sɛ ɔhwehwɛ sɛ sikakorabea no kyekyɛ sika a aka no mu pɛpɛɛpɛ (Kopfteile) na wɔde wɔn kyɛfa no kɔ akontaabu a wɔabue foforo a obi nkutoo na ɔwɔ mu (Einzelkonto) a enni garnishment no mu.
• France (Saisie-attribution sur compte joint - . R162-9): Bere a bailiff bi ( .commissaire de justice) gye sika a wɔbom yɛ wɔ ɔdefo biako ka ho no, nea ɔne no nyɛ ɔdefo no betumi ayi wɔn sika no adi denam adanse a ɔde bɛma bailiff ne execution temmufo no so (JEX) sɛ sika no fi wɔn ankasa sika a wonyae mu (justification de l'origine des fonds).
• Australia ne New Zealand:
• Australia: Wɔ ɔman no Ɔmanfoɔ Asɛnnibea Mmara ase no, Garnishee Order a wɔde ma obiakofoɔ a ɔde ka no taa ntumi mfa sikakorabea akontaabuo a wɔbom yɛ a wɔne obi a ɔnyɛ ka. Sɛ ɔhokafoɔ bi a ɔtete ne ho no sɛe sika a wɔbom yɛ adwuma no mu a, kɔ Federal Circuit and Family Court of Australia nkyɛn kɔhwehwɛ Property Injunction a egye ntɛmpɛ na bisa wo sikakorabea no ntɛm ara sɛ wɔnsakra tumi a wɔde wɔn nsa hyɛ akontaabuo a wɔaka abom no ase mfiri "Either to Sign" nkɔ "Both to Sign".
• New Zealand: Bisa wo sikakorabea no ntɛm ara sɛ wɔnsakra akontaabu a wɔaka abom no ahyɛde no nkɔ "Baanu de wɔn nsa hyɛ ase" bere a wɔatetew mu no, na wɔmfa akasakasa nkɔ soro nkɔ Banking Ombudsman Scheme (0800 805 950) na ɛyɛ.

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Nsɛm a wɔtaa bisa¶

Dɛn nti na me sikakorabea rensakra sika a wɔde kɔmaa me no kɛkɛ bere a me hokafo anaa nea me ne no te dan mu a ɔne no tetew mu no guu yɛn sikakorabea a yɛbom de sika gu mu no mu a ammisa me no?¶

Efisɛ bere a wo ne nea ɔne no yɛ adwuma no de mo nsa hyɛɛ sikakorabea no Sikakorabea Akontaabu Apam ase bere a wobuee akontaabu no, mo baanu nyinaa penee so sɛ wode wo nsa bɛhyɛ ase biako ahyɛde a ɛma sikakorabea no tumi sɛ enni sika a woyi anaasɛ telefon a wɔde mena a nea ɔne no yɛ adwuma a wɔabobɔ din no afi ase no so akodu sika a aka no ɔha biara mu nkyem 100. Wɔ Uniform Commercial Code (UCC) ne ɔman sikakorabea mmara ase no, sikakorabea no nni asodi biara wɔ mmara kwan so bere a edi akwankyerɛ a efi adwumakuw wura bi a wɔabobɔ din akyi no. Sɛ wopɛ sɛ wosan nya wo sika a, wodi yɔnko wura no akyi tẽẽ denam Abusua Asɛnnibea (sɛ woaware a) anaa Civil / Small Claims Court wɔ Uniform Probate Code Net Contribution Rule (sɛ woanware a) ase.

So metumi afrɛ sikakorabea no mprempren ara na maka akyerɛ wɔn sɛ wɔnto yɛn joint account mu anaasɛ wɔhwehwɛ "Both Signatures" sɛnea ɛbɛyɛ a me hokafo rentumi nnye sika a aka no?¶

Wɔ United Kingdom, Australia, New Zealand, ne Canada no, yiw: obiara a ɔwɔ akontaabu a wɔaka abom no betumi abɔ sikakorabea no amanneɛ wɔ abusuabɔ mu akasakasa bi ho na wahyɛ sikakorabea no sɛ wɔnhwehwɛ sɛ "Wɔn baanu nyinaa de wɔn nsa hyɛ ase" wɔ sika biara a wobeyi daakye no ho. Nanso wɔ United States no, sikakorabea akɛse dodow no ara a wɔtɔn nneɛma wɔ sotɔɔ mu no MMFA mmara a wɔde wɔn nsa bɛhyɛ ase abien mma wɔ adetɔfo sikakorabea ahorow ho; mmom no, sɛ wobɔ aware mu ntawntawdi ho amanneɛ a, U.S. sikakorabea bi bɛma wo kwan ma woato akontaabu no mu anaasɛ wode sika ahyɛ akontaabu no nyinaa mu koraa kosi sɛ awarefo baanu no nyinaa de wɔn nsa bɛhyɛ ase sɛ wɔbom gyae anaasɛ wɔde Abusua Asɛnnibea ahyɛde bɛma. Bere nyinaa fa wo kyɛfa a ɛwɔ ofie sika a wuhia mu no kɔ baabi foforo na fa w’akatua no kɔ baabi foforo ANSA na wobɛka akyerɛ U.S. sikakorabea bi sɛ wɔmfa sika a wɔbom yɛ a akyinnyegye wɔ ho no nsie.

Me maame a wadi mfe 78 no de me din guu ne checking account so sɛnea ɛbɛyɛ a metumi atua ne utility ka. So nea ɔde ka me credit card atemmu no betumi agye ne Social Security sika?¶

Dabi, sɛ woyɛ ho biribi ntɛm de si ne mmara kwan so ahobammɔ ahorow so dua a. Nea edi kan no, sɛ wɔde wo maame Social Security mfaso horow no kɔ saa akontaabu no mu tẽẽ a, aban mmara 31 CFR Ɔfã 212 hwehwɛ sɛ sikakorabea no bɔ ne Social Security sika a ɔde asie no asram 2 mũ nyinaa ho ban ankasa fi freeze biara ho wɔ Da 1. Nea ɛto so abien no, wɔ sika biara a wɔde asie wɔ akontaabu no mu a ɛboro asram 2 a mfaso wɔ so no ho no, ɛsɛ sɛ wo ne wo maame de Third-Party Claim of Exemption kɔ asɛnnibea no ne sheriff nkyɛn wɔ bere no mu Nnafua 10 kosi 15 a wɔde bɛma no de ne sikakorabea nkrataa a etwa to a ɔde asram 3 kosi 6 ayɛ no bɛka ho. Sɛ wokyerɛ sɛ sika a wɔde asie wɔ akontaabu no mu ɔha biara mu nkyem 100 yɛ wo maame Social Security ne pɛnhyen sika a, ɔtemmufo no beyi ne sika ɔha biara mu nkyem 100 afi hɔ. Sɛ wɔyi sika no adi ara pɛ a, yi wo din sɛ Joint Owner na san kyerɛw wo ho katee sɛ Power of Attorney anaa Convenience Signer.

Sɛ me hokafo yii dɔla 50,000 fii yɛn sikakorabea a yɛbom de sie no mu da koro ansa na yɛde awaregyae krataa rekɔma a, so ɛsɛ sɛ miyi dɔla 50,000 fi akontaabu foforo mu na ama ayɛ nea ɛfata?¶

Sɛ wo hokafo faa sika a ɛyɛ nsu no nyinaa mu ɔha biara mu nkyem 50 na ogyaw ɔha biara mu nkyem 50 a aka no wɔ akontaabu no mu a, wo kyɛfa ɔha biara mu nkyem 50 a aka no a wode bɛkɔ akontaabu foforo a woabue mu wɔ wo din mu (na woada no adi wɔ w’asɛnnibea sikasɛm ntam krataa so) yɛ adeyɛ a wɔtaa yɛ. Mfa sika nsie sika anaa nnipa foforo akontaabu mu da, na mmu asɛnnibea Summons anaa Automatic Temporary Restraining Order (ATRO) a ɛyɛ nnam so da.

Bere tenten ahe na egye na ama wɔagyae sikakorabea akontaabu a wɔbom yɛ bere a mede Non-Debtor Claim of Exemption akɔma awie no?¶

Sɛ wode wo sikakorabea nkrataa ne akatua ho nkrataa a wɔasi so dua no fax na wode email kɔma nea ɔde wo ka no mmaranimfo a ogye sika no tẽẽ wɔ Da a edi kan a ɛkyerɛ sɛ sika a wode asie no ɔha biara mu nkyem 100 yɛ wo dea a, mmaranimfo pii a wogye sika no befi wɔn pɛ mu de Release of Garnishment akɔma sikakorabea no wɔ adwuma nna 2 kosi 5 ntam. Sɛ nea ɔde bosea no kasa tia a, ɔman no mmara de ahyɛde a ɛsɛ sɛ wotie no ntɛmntɛm a ɛbɛma wɔagyae wo ho mu wɔ ɔtemmufo anim wɔ nnafua 10 kosi 21 ntam, na ɛno akyi no asennibea no hyɛ sikakorabea no sɛ wonyi wo sika a woahwehwɛ no adi.

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Akwankyerɛ ahorow a ɛfa ho¶

• Sikakorabea akontaabu ho tow, sikakorabea akontaabu a wɔahyɛ no nwini, ne sika a wɔayi afi mu
• Sikasɛm mu ayayade, sikasɛm so tumi a wɔhyɛ wɔn ma, ne sikasɛm mu ahotɔ a wofi mu
• Cosigner default, ɛka a wɔbom bɔ, ne boseabɔ ho banbɔ
• Mpanyimfo a wɔkora wɔn so, tumi a wɔde gye mmara, ne fiduciary ahobammɔ
• Emergency nɔma ahorow ho kyerɛwtohɔ

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Fibea ne aban akwankyerɛ¶

• Uniform Law Commission (ULC): Uniform Probate Code (UPC) Ahyɛdeɛ VI, Ɔfa 2 - Nnipa dodoɔ Akontaabuo, Ɔfa 6-211 (Ownership wɔ Nkwa Nna mu: Net Contribution Rule) ne Mmara kwan so Convenience Accounts.
• YƐN. Department of the Treasury & Social Security Administration: 31 CFR Ɔfa 212 - Akontaabuo a Ɛwɔ Ɔmanpanin Mfasoɔ Tua (Asram Abien a Wɔbɛhwɛ Akyi Ahobanbɔ a Ɛyɛ Ahyɛdeɛ ma Nkabom Akontaabuo).
• Adetɔfoɔ Sikasɛm Ahobanbɔ Dwumadibea (CFPB): Adetɔfoɔ Afotuo a ɛfa Sikakorabea Akontaabuo a Wɔbom Yɛ, Mmaranimfoɔ Tumi vs. Nkabom Ownership ma Mpanyimfo a Wɔanyinyin, ne Mmuaeɛ a Wɔde Ma wɔ Ɛka a Wɔgye ho Nsɛm a Wɔgye ho.
• American Bar Association (ABA) Section of Family Law & Commission on Law and Aging: Awareɛ mu Akontaabuo a Wɔsɛe no a Wɔde Di Dwuma ne Awofoɔ a Wɔanyinyin a Wɔbɔ Wɔn Ho Ban firi Convenience Co-Owner Creditor Levies ho.
• United Kingdom Sikasɛm mu Abrabɔ Tumi (FCA) & Sikasɛm mu Nsɛm Ho Amanneɛbɔ Dwumadibea (FOS): Akontaabuo a Wɔaka abom wɔ Sikasɛm mu Nsɛnnennen, Awareɛ mu Ntawntawdi Ahyɛdeɛ a Wɔde Siesie, ne Ɛka a Wɔde Ma Nnipa a Wɔto so Abiɛsa Ho Mmara (CPR Ɔfa 72).