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Lokacin da Ma'aikaci na Nesa ko Abokin Ciniki ke Ruɓawa Ba zato ba tsammani: Tabbatar da Rasitan da Ba a Biya ba

Farkawa a safiyar ranar Litinin don nemo ** Kamfanin Slack, Ƙungiyoyin Microsoft, da Google Workspace / Okta SSO asusu ba zato ba tsammani**, biyan kuɗi kai tsaye canja wurin ajiyar kuɗi, ko imel ɗin gaggawa na duk-hannun da ke sanar da cewa ma'aikacin ku na nesa ko babban abokin ciniki na hukuma ya daina aiki kuma ya shiga rashin ƙarfi babban girgizar kuɗi ne. Ba kamar rufe ofis na cikin mutum ba inda ma'aikata za su iya tafiya zuwa zauren zuwa Ma'aikata ko yin magana da wakilin ma'aikata na jiha a wurin, ** ma'aikata masu nisa da masu zaman kansu na kasa da kasa za a iya goge su ta hanyar lambobi daga kayan aikin kamfani cikin dakika 30**, suna rasa damar yin amfani da nasu kudaden biyan albashi, W-2/1099/P45 bayanan haraji, 401(k) lambobin shirin, jerin tuntuɓar abokan aiki, da shekarun samfuran fayil marasa sirri.

Lokacin da ma'aikaci mai nisa ko abokin ciniki ya shiga tsaka-tsakin mutuwa na tsabar kuɗi, ** saurin bin aiki da dokar tsaro ta kwamfuta shine komai . Ɗaukar matakin da bai dace ba, kamar zazzage bayanan bayanan abokin ciniki daga kwamfutar tafi-da-gidanka na aiki wanda ya saba wa Dokar Zagi da Zagi na Kwamfuta (CFAA), ko ci gaba da yin aiki na tsawon makonni biyu akan alkawuran baki cewa "canja wurin waya na zuwa Juma'a", na iya fallasa ku ga alhaki na shari'a ko barin ku a bayan jerin masu lamuni na fatarar kuɗi. Sabanin haka, yin aiki a cikin minti 60 na farko don fitar da bayanan gidan yanar gizon ku na HR / biyan kuɗi, yana mai tabbatar da da'awar albashin fifiko na doka ()11 U.S.C. § 507(a)(4) a cikin Amurka ko Sabis na Biyan Kuɗi a Burtaniya), mirgina kan inshorar lafiya (COBRA / ACA Special Rijista), da yin amfani da kwangilar ku Haƙƙin mallaka / Aiki-don-Hayar IP Maganar Ba da Canjawa azaman ɗan kwangila mai zaman kansa yana kare kuɗin gidan ku da ƙarfin aiki.

Yi wannan yanzu

  1. Kafin a soke sa hannu guda ɗaya (SSO) ko imel ɗin kamfani, shiga cikin Lissafin Kuɗi, HRIS, da Madaidaicin Ma'auni (Ranar Aiki, Gusto, Rippling, ADP, Deel, Justworks, Carta) kuma haɗa adireshin imel na MUTUM (@gmail.com, da sauransu) zuwa kowane asusu. Da zarar ka @company.com an kashe imel, ba za ku taɓa karɓar sake saitin kalmar sirri ba ko lambobin tantance abubuwa biyu da ake buƙata don samun damar biyan kuɗin ku na ƙarshe, W-2 / 1099 / P60 takardun haraji, ko 401(k) mai kula da ritaya.
  2. ** Zazzage kwafin PDF na watanni 6 na ƙarshe na kuɗin biyan kuɗi, Sa hannu kan Yarjejeniyar Aiki / Ba da Wasika / Yarjejeniyar Ayyukan Kwangila Mai Zaman Kanta (MSA), ma'aunin PTO da aka tara, kwamishiniyar kwamitocin / bonus, da sake dubawar aikin ku zuwa babban fayil na sirri a yanzu. takaddun sifili don tabbatar da ainihin albashin da ba a biya ku ba da ma'auni na hutu zuwa kotun fatarar kudi ko Sashen Ma'aikata.
  3. Fitar da abokin aikinku da lissafin tuntuɓar cibiyar sadarwar abokin ciniki (LinkedIn URLs, lambobin waya, da adiresoshin imel na sirri) nan da nan. Lokacin da kamfani mai nisa ya ninka, Slack yana ɓacewa cikin mintuna. Ƙirƙiri wani rukunin Google Sheet ko Discord/WhatsApp tare da abokan aikinku a cikin sa'a ta farko don ku iya raba sanarwar kotu ta fatarar kuɗi, binciken bincike, da jagorar aiki.
  4. KADA KA taɓa sauke lambar tushe, lissafin abokin ciniki, sirrin kasuwanci, ko bayanan bayanan kamfani, kuma KAR KA YI zagon ƙasa, share, ko yin garkuwa da sabar samarwa kai tsaye. Ko da abokin ciniki ko ma'aikaci yana bin ka bashi. $25,000 a cikin albashin da ba a biya ba ko da daftari, shiga cikin uwar garken samarwa don saukar da gidan yanar gizon su kai tsaye, canza tushen kalmomin shiga, ko fitar da bayanan abokin ciniki laifi ne a ƙarƙashin Dokar Zagin Kwamfuta ta Amurka ( ** US Computer Fraud and Abuse Act).18 U.S.C. § 1030), Dokar Rashin Amfani da Kwamfuta ta Burtaniya 1990**, da kuma daidaitattun ka'idojin laifuffukan yanar gizo a duk duniya. Yi amfani da 100% kwangilar doka da hanyoyin amfani da doka dalla-dalla a cikin Sashe na 3 maimakon.
  5. ** Idan kai ɗan kwangila ne mai zaman kansa / mai zaman kansa (1099 / B2B) kuma abokin ciniki ya rasa lokacin biyan kuɗi ko daftari saboda rashin biyan kuɗi, bayar da rubutaccen rubutu "Sanarwar Dakatar da Sabis don Rashin Biyan Kuɗi" da kuma STOP isar da sabbin fayilolin da ba a yi ba nan da nan.
  6. ** Fayil na Inshorar Rashin Aikin yi (UI) a daidai ranar da aikin ku ya ƙare ko kuma biyan ku ya tsaya.** A Amurka, Kanada (EI), Birtaniya (New Style JSA / Universal Credit), da Tarayyar Turai, fa'idodin rashin aikin yi ** kusan ba za a sake dawowa ba kafin makon da kuka gabatar da da'awar ku ta farko**, koda kun jira makonni uku kuna fatan kamfanin zai sake buɗewa.

Danger

Tarkon "Kawai Ci gaba da Aiki Yayin Da Muke Rufe Gadar Mu" Tarkon: Lokacin da farawa ko hukuma ta ƙare da kuɗi kuma ta rasa tsarin biyan albashin da aka tsara, masu kafa suna yawan roƙon ma'aikatan nesa da su ci gaba da aiki "a kan agogo" ko kuma a kan jinkirin biyan kuɗi na makonni 2 zuwa 4 yayin da rancen kuɗi ko gada ke rufe. ** A cikin kowane babban hukumci, rashin biyan albashin da aka samu a ranar biyan kuɗin da aka tsara bisa doka ya saba wa dokar aiki (kuma a cikin rashin biyan kuɗi na kamfani, daraktoci na iya zama alhakin kansu don cinikin da ba daidai ba idan sun sami sabon bashin albashin ma'aikata ba za su iya biya ba). rubuta, da kuma shigar da da'awar albashi na yau da kullun.

Bishiyar yanke shawara: Ma'aikaci mai Albashi (W-2 / PAYE) vs. Dan kwangila mai zaman kansa (1099 / B2B)

Hakkokin ku na shari'a, fifiko a cikin fatara, da yin amfani da kayan aikin ku sun dogara gabaɗaya akan ko kai ma'aikaci ne ** keɓaɓɓen ma'aikaci ** ko ** ɗan kwangila mai zaman kansa / mai zaman kansa / hukuma ***. Bi ainihin reshen ku a ƙasa.

flowchart TD
    A["Ma'aikaci mai Nisa ko Abokin Ciniki Kwatsam Yana Rufe / Rasa Lissafin Biyan Kuɗi / Makulli"] --> B{"Menene alakar aikin ku ta doka?"}
    B -->|"Ma'aikacin Albashi ko Sa'a (US W-2, UK PAYE, Kanada T4, ko Ma'aikaci-na Rikodi kamar Deel/Remote)"| C["MATAKI 1: Canja Gusto/Ranar Aiki/ADP/401k Shiga Imel na Keɓaɓɓen & Zazzage Biyan Kuɗi, W-2, Wasiƙar Bada, Ma'aunin PTO"]
    C --> D{"Shin kamfani ya shigar da karar fatarar kudi (Kh. 7 / Ch. 11 / Gudanarwa) KO kawai ya ɓace / rufe?"}
    D -->|"An Nada Mai Karɓar Bayar da Kuɗi na Haɓaka"| E["Da'awar Albashi na Farko (US 11 U.S.C. 507(a)(4) har zuwa $15,150 fifiko; Da'awar Lamba CN RPS; Kanada WEPP)"]
    D -->|"Rufewa ba bisa ƙa'ida ba ba tare da biyan albashi na ƙarshe/PTO ba"| F["Fayil na gaggawar da'awar albashin da ba a biya ba tare da Ma'aikatar Ma'aikata ta Jiha / US DOL WHD (Daraktoci galibi suna da alhakin kai ga albashi)"]
    B -->|"Dan kwangila mai zaman kansa, Mai Kyauta, ko Hukumar B2B (1099 / Corp-to-Corp)"| G["Mataki 1: Ba da Sanarwa Rubuce-rubucen Tsaya-Aiki nan take & dakatar da canja wurin fayiloli/majigi na gida da ba a isar da su ba."]
    G --> H{"Ta yaya abokin ciniki ya biya, kuma menene Kwangilar ku ta ce game da Mallakar IP?"}
    H -->|"Yarjejeniyar ta ce ana canja wurin IP KAWAI akan Cikakkiyar Biyan Kuɗi (Standard Freelance Clause)"| I["Aika Sanarwa ta Haɓaka na Rashin Canja wurin Haƙƙin mallaka/Lasisi: Abokin ciniki & Mai karɓa ba za su iya amfani da aikin da ba a biya ba bisa doka"]
    H -->|"Babu wani sashe na IP ko aikin da aka riga aka kawo"| J["Ajiye daftari + Rasitun Bayarwa + Imel Karɓar -> Tabbacin Fayil na Da'awa (Form 410) & Da'awar Rage Harajin Mummuna-Bashi"]

Sashe na 1: Yarjejeniyar Ficewa ta Dijital na Minti 30 (Kafin SSO Ya kulle ku)

Lokacin da mai kula da IT ko mai aikin rashin biyan kuɗi ya buga "Deactivate User" a Okta, Microsoft Entra ID (Azure AD), ko Google Workspace, kwamfutar tafi-da-gidanka na kamfanin na iya kulle ta hanyar Gudanar da Na'urar Waya (MDM; duba) aikin kwamfutar tafi-da-gidanka MDM kulle da farfadowa) da kuma duk wani zaman browser amfani "Sign in with Google / Microsoft" mutu nan take. Idan har yanzu kuna da zama mai rai ko kuma ku sami jagora na mintuna 30 kafin rufewa, cire waɗannan ** na sirri, bayanan shari'a** a cikin wannan ainihin tsari:

fifiko Tsarin / Portal Madaidaicin Matakin da za a ɗauka Nan da nan Me Yasa Yayi Muhimmanci
1 (minti 5 na farko) ** Lissafin Kuɗi & HRIS Portal *** (* Gusto, Rippling, Ranar Aiki, ADP, Biyan Kuɗi, Ayyukan Aiki, BambooHR, Deel, Remote.com*) 1. Jeka ** Saitunan Asusu -> Tsaro/Email** kuma canza imel ɗin shiga zuwa * imel na sirri**.
2. Zazzagewa ** duk Biyan Kuɗi daga shekara ta yanzu da wadda ta gabata **, duka **W-2 / 1099 / P60 / T4 siffofin haraji ***, da kuma hoton * * Ma'auni na Hutu / PTO na yanzu.
Yana tabbatar da ainihin adadin albashin ku na asali, riƙe haraji, da PTO wanda ba a biya ba don Inshorar Rashin Aikin Yi da Da'awar Haɗin Kuɗi na Farko.
2 (minti 5-10) ** Yin ritaya (401(k) / Fansho), HSA, & Equity Portal** (* Aminci, Vanguard, Jagora, Ingantawa, Sha'awar ɗan adam, Carta, Pulley*) Shiga, canza imel ɗin tuntuɓar farko zuwa ** imel na sirri **, zazzage sabon tsarin sa hannu na ** 83(b) yarjejeniyar ba da zaɓe / zaɓi ***, kuma bincika ko da gaske ma'aikaci ya ajiye ajiyar watanni 3 na ƙarshe na 401(k) cirewar albashin da aka cire daga asusun ku. Lokacin da kamfanonin da ba su da kuɗi suka ƙare kuɗi, wani lokaci suna cirewa 401(k) ko kuɗaɗen inshorar lafiya daga albashin ma'aikata ** ba tare da tura kuɗin zuwa ga ma'aikaci ba** (ci zarafin ERISA na tarayya wanda US DOL EBSA za ta dawo muku da ƙarfi).
3 (minti 10-15) ** Kwangilar Aiki, Wasikar Taimako, Ragewa, & Rasidun Kudade *** Ajiye PDFs na ** Sa hannu na Wasikar Bayar da Ku, Yarjejeniyar Aiki, Mara Gasa / NDA (don haka ku san ainihin sharuɗɗansa), Shirin Hukumar**, da ** duk tafiye-tafiye na kasuwanci/rasidun software da ba a biya ba**. Kudaden kasuwancin da ba a biya ba da kuma kari na kwangila dole ne a rubuta su tare da rasit don haɗawa cikin Tabbacin Da'awa.
4 (minti 15-20) ** Sharhin Aiki, "Kudos," & Takaitaccen Ma'auni** Kwafi ** ƙimar aikin ku, haruffan haɓakawa, da manyan nasarorin lambobi ** (misali, "Rage abubuwan da ake kashewa na girgije da 34% ($ 180k/yr)" ko "Ƙimar juyawa daga 2.1% zuwa 3.8%") zuwa bayanin sirri. Yana ba ku ainihin maƙasudin ci gaba, tabbataccen bayanan harsashi da tabbacin aiki mai ƙarfi don neman aikinku nan take.
5 (minti 20-30) ** Samfuran Fayil (Na Jama'a / Ba Sirri Kawai) & Fayilolin Keɓaɓɓu** Masu ƙira/Marubuta/Yan kasuwa: Ajiye kwafi na ** ƙaddamar da jama'a ** shafukan yanar gizo, buguwar bulogi da aka buga, sakin latsawa na jama'a, ko hotunan kariyar UI na jama'a da kuka ƙirƙira.
Fayil na sirri: Share bayanan harajin ku na sirri, PDFs na likita, da kalmomin shiga na sirri da aka adana a cikin Chrome/Edge akan kwamfutar tafi-da-gidanka na aiki.
Kada a taɓa kwafin lambar tushe na mallakar mallaka, ƙirar samfur ɗin da ba'a saki ba, ko abokin ciniki PII. Idan aikin ya riga ya kasance na jama'a akan intanit, adana hotunan kariyar yanar gizon kai tsaye 100% doka ne.

Sashe na 2: Yadda Ma'aikata Masu Albashi Suke Suke Basu Biyu, PTO, da Fa'idodi

Idan ma'aikacin ku ya rufe bashin ku na makonni 1 zuwa 4 na albashin da ba a biya ba, yawan hutu / PTO, kudaden da ba a biya ba, ko WARN Act sallama, ** kar ku ɗauka cewa kuɗin ya ƙare har abada **. A kusan kowace kasa, ** ma'aikata suna girma a kusa da saman saman tsarin biyan kuɗi na doka, a gaban 'yan jari-hujja, dillalai marasa tsaro, da masu gidaje, kuma a yawancin hukunce-hukuncen ** jami'an kamfanoni da daraktoci suna da kansu daga asusun ajiyar banki na kansu don biyan albashin ma'aikata ***.

1. United States: Priority Bankruptcy Claims, State Wage Liens & Personal Officer Liability

  1. Idan Ma'aikaci ya Bayar da Babi na 7 ko Babi na 11 Fatarar Kuɗi (11 U.S.C. § 507(a)(4) Priority Wage Claim):
    • Under the US Bankruptcy Code (11 U.S.C. § 507(a)(4) kuma § 507(a)(5)), unpaid wages, salaries, commissions, vacation, severance, and sick leave earned by an individual within 180 days before the bankruptcy filing (or cessation of business) receive Fourth-Tier Statutory Priority up to **$15,150 kowane ma'aikaci ** (daidaita kowace shekara 3 don hauhawar farashin kaya), da ƙarin fifikon fifiko don gudummawar shirin fa'idar ma'aikaci mara biya (401(k) / health insurance).
    • How to File Free of Charge: Look up the company's case on the bankruptcy claims agent website (such as Stretto, Kroll, Epiq, or PACER) and submit Official Form 410 (Proof of Claim). Check Box 12 ("Yes, the claim is entitled to priority under 11 U.S.C. § 507(a)(4)"), attach your final pay stubs and offer letter, and submit before the Bar Date.
  2. If the Employer Shut Down WITHOUT Filing Bankruptcy (State Department of Labor & Personal Liability of Founders/Officers):
    • Many failing startups and small businesses simply close their doors and walk away without paying the $25,000+ legal fees to file formal Chapter 7 bankruptcy.
    • File an Unpaid Wage Claim with the State Department of Labor in the state where you physically worked remotely (and/or the state where the company is headquartered).
    • Personal Liability of CEOs, Founders, and Top Shareholders: Under the federal Fair Labor Standards Act (FLSA) and explicit state wage statutes in California (Cal. Lab. Code § 558.1), New York (N.Y. Bus. Corp. Law § 630 for top 10 shareholders of non-public corporations, and N.Y. Lab. Law § 198-a), Massachusetts (M.G.L. c. 149 § 148), Illinois, Texas, and Washington, corporate officers, directors, and managing agents who control payroll can be held personally and individually liable for unpaid wages, statutory treble (3x) damages, and attorney's fees even if the corporation itself is bankrupt.
  3. The Federal & State WARN Act (60-Day Back-Pay Penalty for Mass Shutdowns):
    • If your employer had 100 or more full-time employees (or 50 to 75+ employees under stricter state mini-WARN acts in California, New York, New Jersey (which requires 90 days' notice AND mandatory severance pay), Illinois, and Washington) and shut down suddenly without giving 60 days' written advance notice, every affected remote employee is legally entitled to claim up to 60 days of full back pay and benefits as a priority claim.
  4. What If My Employer Stopped Paying the Health Insurance Carrier or Closed the Group Health Plan? (The COBRA Trap):
    • Normally, federal COBRA lets you keep your employer's health plan by paying 102% of the premium. HOWEVER, if a bankrupt employer completely terminates all group health insurance plans and ceases to exist, there is NO group health plan left for COBRA to continue.
    • What to do instead: Losing employer health coverage due to company closure triggers an immediate 60-Day Special Enrollment Period (SEP) on the Affordable Care Act (ACA) HealthCare.gov Marketplace (and state exchanges), where your new zero-income status often qualifies you for heavily subsidized Silver/Gold plans or instant Medicaid coverage starting the 1st of the month.

2. United Kingdom, Canada, European Union & Australia: Government Wage Guarantee Funds

Unlike the United States (which relies on bankruptcy estate priority and officer liability), the UK, Canada, EU member states, and Australia maintain government-backed Insolvency Wage Guarantee Funds that pay remote employees their unpaid wages directly from the national treasury within weeks:

Country / Region Official Government Wage Guarantee Fund Abinda Zaku Iya Da'awa Kai tsaye Daga Gwamnati Yadda Ake Aiwatar Nan take
United Kingdom ** Sabis na Biyan Kuɗi (RPS) / Asusun Inshora na Ƙasa** (GOV.UK) - Har zuwa sati 8 na albashin da ba'a biya ba (bashin albashi)
- ** Har zuwa sati 6 na albashin biki da ba a biya ba
- ** Biyan Sanarwa na Doka
(aiki sati 1 a kowace shekara, har zuwa makonni 12)
- ** Biyan Kuɗi na Ƙididdigar doka** (idan an yi aiki da shekaru 2+)
* (An sanya shi akan iyakar biyan kuɗi na mako-mako na yanzu, £700/week a 2024/25)*
Tuntuɓi wanda aka naɗa Ma'aikacin Rashin Magani (Mai Gudanarwa ko Liquidator) don samun CN Lamba Reference Case, sannan a nemi kan layi a gov.uk/claim-redundancy.
Kanada Shirin Kariyar Masu Neman Albashi (WEPP) (Sabis Kanada) Yana ɗaukar nauyin da ba a biya ba ** albashi, biyan hutu, biyan ƙarewa, da biyan sallama *** da aka samu a cikin watanni 6 kafin fatarar kuɗi / karɓa, har zuwa adadin daidai da ** makonni 7 na matsakaicin Inshorar Aiki mai inshorar (EI) riba (-$8,500+ CAD)**. Fayil don ** Inshorar Aiki (EI)** nan take; da zarar ma'aikacin rashin biyan kuɗi mai lasisi ya fitar da fom ɗin bayanin amintaccen ku na WEPP, yi amfani da layi ta hanyar ** Sabis Kanada ***.
European Union ** Umarnin Rashin Magani (EU)2008/94/EC) Cibiyoyin Garanti na Ƙasa** (misali, Insolvenzgeld ta Bundesagentur für Arbeit a Jamus; AGS a Faransa; FOGASA in Spain) Garanti 100% na albashin da ba a biya ba har zuwa watanni 3 kafin a buɗe shari'ar rashin biyan kuɗi (misali, Jamusanci. Insolvenzgeld yana biyan cikakken albashin watanni 3). Yi rijista a matsayin mara aikin yi tare da hukumar ƙwadago ta ƙasa a cikin kwanaki 3 na sanarwa kuma shigar da aikace-aikacen fa'idar rashin biyan kuɗi a cikin tsauraran matakan doka na wata 2 **.
Ostiraliya Fair Entitlements Guarantee (FEG) (Department of Employment and Workplace Relations) Covers up to 13 weeks of unpaid wages, all unpaid annual leave and long service leave, up to 5 weeks pay in lieu of notice, and up to 4 weeks redundancy pay per year of service. Apply online via the FEG Portal (dewr.gov.au/fair-entitlements-guarantee) within 12 months of liquidation.

Part 3: How Independent Contractors & Freelancers (1099 / B2B) Protect Work and Collect Debt

If you are an independent software developer, designer, copywriter, consultant, or marketing agency (1099 in the US, sole trader / PSC Ltd outside the US), bankruptcy law treats your unpaid invoices very differently from employee wages, unless you qualify for Misclassification Reclassification or use your Intellectual Property (IP) leverage correctly.

Under United States Copyright Law (17 U.S.C. § 101 & § 204(a)), UK Copyright, Designs and Patents Act 1988, and Berne Convention rules, an independent contractor (not a W-2 employee) automatically owns 100% of the legal copyright in the code, designs, copy, or video they create the moment it is fixed in a tangible medium, UNLESS there is a valid written "Work Made for Hire" or Copyright Assignment agreement, AND in almost all well-drafted freelance/agency contracts (such as the standard AIGA, Freelancers Union, or B2B MSA templates), assignment of copyright or license to the client is expressly conditioned upon "receipt of full and final payment of all invoices."

  • Why This Gives You Massive Leverage Over an Insolvent Client or Bankruptcy Trustee:
    • When a startup or agency folds, its only remaining valuable asset is usually its software codebase, website, brand assets, or client deliverables, which the founders, secured bank lender, or bankruptcy trustee want to sell to an acquirer in an asset sale.
    • however, a company cannot sell or license Intellectual Property it does not legally own. If the company never paid your final $15,000 daftari don tsarin lambar ko sake fasalin UI, kuma kwangilar ku tana ƙunshe da juzu'in canja wurin IP na biyan kuɗi (ko ba ku da sa hannu a rubuta aikin IP kwata-kwata), ** kamfani mai ɓarna, masu saka hannun jarinsa, da duk mai siye da ke karɓar kadarorinsa suna cin zarafin haƙƙin mallaka idan sun yi amfani da lambar da ba a biya ku ba ko ƙira ***.
  • ** Kwafi-Manna Sanarwa na Shari'a na Rashin Canja wurin IP & Cire Lasisi:** Aika wannan sanarwa ta hukuma ta imel (da saƙon da aka tabbatar) zuwa ga Shugaban abokin ciniki, Babban Lauyan, da duk wani wanda aka nada mai karɓar Rashi / Amintaccen Bashi:

** BAUTA: Sanarwa ta Haɓaka na Rashin Biyan Kuɗi, Dakatar da Sabis, da Rashin Canjawa / Sake Lasisin Dukiyar Hankali - [Daftar #XXXX]**

masoyi [Sunan Abokin ciniki / Mai karɓa / Amintaccen],

Da fatan za a yi sanarwa ta hukuma cewa Invoice #[XXXX] mai kwanan wata [Kwana] a cikin adadin $[Yawan] don aikin da aka yi a ƙarƙashin Yarjejeniyarmu mai kwanan wata [Kwanan wata] ya wuce lokacin da ba a biya ba.

Bisa ga Sashe [X] na Yarjejeniyar mu [da kuma doka ta haƙƙin mallaka a ƙarƙashin 17 U.S.C. § 204], canja wurin mallaka, take, da kowane lasisi don amfani da Abubuwan da aka ƙirƙira a ƙarƙashin Invoice #[XXXX] (musamman gami da [jerin ainihin ƙirar ƙira, ƙira, ko kadarorin]) yana da sharadi mai ƙarfi akan karɓar cikakken biya na ƙarshe.

Saboda ba a karɓi biyan kuɗi ba, ** babu wani aikin haƙƙin mallaka ko lasisi da ya fara aiki, kuma duk wani izini na ɗan lokaci don amfani, sakewa, rarrabawa, ko canja wurin abubuwan da ba a biya ba ga kowane ɓangare na uku, mai siye, ko magajin-in-ban sha'awa an soke shi a hukumance kuma a ƙare.**

Idan [Sunan Kamfanin], amintattun masu ba da lamuni, ko abin da ke da sha'awar samun ingantacciyar sarkar take da lasisi don amfani da waɗannan Abubuwan Bayarwa a matsayin wani ɓangare na kowane aiki mai gudana ko siyar da kadara, cikakken biyan kuɗi na $[Yawan] dole ne a haɗa shi ta [Kwanan wata]. In ba haka ba, duk kwafin abubuwan da ba a biya ba dole ne a cire su daga samarwa kuma a lalata su nan da nan.

Gaskiya, [Sunan ku / Cibiyar Kasuwanci]

(A cikin ɗimbin faɗuwar iska da tallace-tallacen kadara, masu siye suna tilasta wa mai siyarwa ko mai ba da izini ya biya manyan ƴan kwangila masu zaman kansu cent 100 akan dala a rufewa kawai don share sarkar-na-take gajimare a kan codebase.)

2. Yin Amfani da Makami #2: Shin A Haƙiƙa Kai "Ma'aikacin da Ba a Fahimce Ka ba" Kuna Da Haƙƙin Matsayin Ma'aikata Na Farko?

Yawancin masu farawa suna hayar ma'aikata masu nisa na cikakken lokaci a matsayin "Masu Kwangila masu zaman kansu 1099" don adana harajin biyan kuɗi, kodayake ma'aikaci yana aiki na sa'o'i 40 a mako kawai ga wannan kamfani, yana halartar tsayayyen yau da kullun, yana amfani da kamfani. @company.com imel, da rahoto ga manajan kamfani. - ** Bincika Gwajin Gaskiyar Tattalin Arziƙi na ABC / DOL: ** Idan "abokin ciniki" yana sarrafa * ta yaya * da * lokacin da kuka yi aiki kuma kuka yi aiki kamar memba na yau da kullun, zaku iya shigar da da'awar ku tare da Ma'aikatar Ma'aikata ta Jiha (da Kotun Bankruptcy a ƙarƙashin 11 U.S.C. § 507(a)(4)) a matsayin Ma'aikaci mara izini ***, canza daftarin B2B mara tsaro zuwa ** Da'awar Albashi na Farko *** tare da alhakin jami'in kai. - Bugu da ƙari, a ƙarƙashin ** Dokar Kariyar Ma'aikata Mai Zaman Kanta ta California (SB 988), Dokar 'Yanci Ba Kyauta ta Jihar New York ba ce (N.Y. Gen. Bus. Law § 1410), Dokar Kariyar Ma'aikata Mai Zaman Kanta ta Illinois ***, da ** Seattle / Los Angeles / Minneapolis farillai *, hatta ƴan kwangila masu zaman kansu na gaskiya suna da kariya ta hanyar tilasta ma'aikata ta jiha kuma suna da haƙƙin ** diyya sau biyu (2x) don rashin biyan kuɗi.

3. Mayar da Kwamfyutan Ciniki na Kamfanin Lokacin da Har yanzu Suna Biyan Ku Biyan Kuɗi (Tarkon Bailee)

Me zai faru idan ɓataccen ma'aikaci ya aika lakabin FedEx da aka riga aka biya yana buƙatar ku mayar da wasiƙar ku $2,500 kamfanin MacBook Pro yayin da suke bin ku $8,000 a albashin da ba a biya ba?

  • KADA kayi ƙoƙarin siyarwa ko kiyaye kwamfutar tafi-da-gidanka ta dindindin ta kamfani azaman "biyan taimakon kai" sai dai idan kun sami izini a rubuce daga jami'i ko mai kula da fatarar kuɗi yana cinikin lakabin kayan masarufi don sakin kuɗin ku: adana kadarorin kamfani ba tare da ingantaccen haƙƙin mallaka na ma'aikacin ba za a iya ba da rahoton sata ko juyawa, kuma kowane MacBook mara kulle MDM yana amfani.
  • Abinda za ku iya yi bisa doka:
    1. Kin biyan sisin guda ɗaya daga cikin aljihun ku don jigilar kaya ko marufi: Bukatar kamfanin ko mai ba da ruwa ya aika da jigilar jigilar kaya da aka riga aka biya tare da alamar akwatin da aka biya zuwa ƙofar ku ***.
    2. ** Ba da shawarar Rubuce-rubucen "Hardware-in-Lieu-of-Severance/Wages" Matsala ga Mai Ruwa:** A cikin iska, masu ruwa da tsaki sun ƙi biyan kuɗi. $100 kowanne don aikawa, gogewa, da gwanjon kwamfyutocin da aka yi amfani da su don $300. Amsa a rubuce: "Na yi farin cikin mayar da kwamfutar tafi-da-gidanka ta alamar masinja da aka riga aka biya sau ɗaya ana bayar da ita; A madadin haka, don adana jigilar kayayyaki da farashin ruwa, Ina shirye in lamunce $X akan da'awar albashina na $Y a musayar sa hannu kan lissafin siyarwa da sakin MDM na wannan na'urar." (Liquidators suna karɓar wannan tayin koyaushe.)
    3. Kafin aikawa da Laptop Baya: Hoton yanayin yanayin jiki mai ƙima da lambar serial na kwamfutar tafi-da-gidanka akan bidiyo, goge bayanan burauzar ku na sirri da fayilolin sirri (ba tare da share fayilolin aikin kamfani ba), kuma ku ajiye rasidin nauyi na FedEx/UPS har abada don haka babu mai ruwa da tsaki zai iya yin ƙaryar cewa ba ku dawo da shi ba.

Tambayoyin da ake yawan yi

My last paycheck direct deposit cleared on Friday, and on Monday the company filed for Chapter 7 bankruptcy. Can the bankruptcy trustee "claw back" my paycheck out of my bank account?

**No. Ordinary-course employee paychecks cannot be clawed back.** While bankruptcy trustees have power under `11 U.S.C. § 547` to claw back "preferential transfers" made to unsecured business vendors or insiders within 90 days before bankruptcy, **regularly scheduled wages and salaries paid to non-insider employees in the ordinary course of business (`§ 547(c)(2)`) are protected**, and employees enjoy statutory priority up to `$15,150`. *(However, if a paycheck bounced due to Insufficient Funds (`NSF`), contact your bank immediately to waive the returned-item fee and file a priority wage claim for the bounced amount.)*

I work remotely through an Employer of Record (EOR) platform like Deel, Remote.com, Oyster, or Velocity Global, and the client startup I work for just went bankrupt. Who owes me my final paycheck and notice pay?

**If you are employed as a full-time EOR employee (not a self-employed contractor) through Deel, Remote.com, Oyster, or Rippling EOR, the EOR platform itself is your legal employer of record on your employment contract.** Under national labor laws, **the EOR is legally required to pay your earned salary and statutory notice/severance pay on time**, regardless of whether their startup client defaulted on paying the EOR's invoice (that is why EORs collect a 1-to-2-month security deposit from client companies up front). Contact your EOR's HR support portal immediately to confirm your final payroll and statutory notice processing.

If a client goes bankrupt and never pays my $10,000 freelance invoice, can I deduct that $10,000 from my taxes as a "Bad Debt Deduction"?

**It depends on whether your freelance business uses "Cash Basis" or "Accrual Basis" accounting (95% of freelancers use Cash Basis):** - ** Idan kun yi amfani da Cash-Basis Accounting (tsoho na kusan duk masu mallakar kawai da memba na LLC a kan Jadawalin Amurka C):** ** A'a, ba za ku iya ɗaukar Rage Bashi mara kyau don daftarin da ba a biya ba**, saboda a ƙarƙashin lissafin kuɗi ba ku taɓa ba da rahoton cewa ba a biya ba. `$10,000` a matsayin kudin shiga mai haraji a farkon wuri (don haka kudin shiga mai haraji ya riga ya kasance `$10,000` rage ta atomatik). Kuna iya cire kuɗaɗen kuɗi daga cikin aljihu da kuka kashe a zahiri akan aikin (kamar software, ƴan kwangila, ko kayan). - ** Idan kuna amfani da Accrual-Basis Accounting (inda kuka riga kuka yi rikodin `$10,000` daftari a matsayin kudaden shiga mai haraji lokacin da kuka aika lissafin kuma ku biya harajin samun kudin shiga akansa):** *YES**, zaku iya rubuta abubuwan da ba a tattara ba. `$10,000` a matsayin ** Cire Bashi mara kyau na Kasuwanci (`IRC § 166`)** a shekara ta zama mara amfani.

Does my Non-Compete Agreement still block me from working for a direct competitor if my remote employer went out of business or laid me off without paying my final wages?

**In almost all jurisdictions, NO, for three independent legal reasons:** 1. **Cikin Kaya Daga Mai Aiki Yana Cire Alkawarinku:** Ka'ida ce ta dokar kwangila cewa idan ma'aikaci ya yi ** keta yarjejeniyar aikin ta hanyar kasa biyan albashin da kuka samu ko sallamar kwangilar**, mai aiki ba zai iya tilasta muku alkawurra masu takurawa (kamar mara gasa) akan ku. 2. **Babu Halaltaccen Sha'awar Kasuwancin da Aka Hagu Don Kare:** Idan kamfani ya daina aiki kuma ya lalace, ba ya da wata fa'ida mai fa'ida ta kasuwanci don karewa. 3. **Hani na doka akan tilasta rashin gasa ga ma'aikatan da aka kashe: *** Jihohin Amurka da yawa (ciki har da **California, Minnesota, North Dakota, Oklahoma** inda aka dakatar da masu gasa gaba daya, da ** Massachusetts, Washington, Illinois, New York, da Nevada *** wanda ke hana ko hana tilastawa ma'aikata rashin cin nasara ba tare da cin nasara ba) clauses bayan sallama ko rufewa.

An duba tushe

  • ** Kotunan Amurka & Lambar Bankruptcy na Amurka:** 11 U.S.C. § 507 (a) (4) & (a) (5) Farkon Ma'aikata da Fa'idodin Fa'ida da * Form Faɗin Farar Hukuma 410 (Tabbacin Da'awar) Umarnin*.
  • Ma'aikatar Kwadago ta Amurka (DOL): Sashen Ma'aikata da Sa'a (WHD) Tabbacin Gaskiya #70 (Kariyar FLSA akan Furloughs, Biya, da Haƙƙin Jami'in), * Gudanar da Fa'idodin Tsaron Ma'aikata (EBSA) Jagorar Fuskantar Farar Ma'aikaci (401 (k) da COBRA/ACA na Musamman Dokar Sanarwa (WARN) (29 U.S.C. § 2101)*.
  • Sabis ɗin Bayar da Kuɗi ta Ƙasar Ingila (GOV.UK): Hakkokinku Idan Ma'aikacin Ku Ya Rashi (Sabis na Biyan Kuɗi). CN Tunanin Da'awar Rashin Biyan Albashi, Biyan Hutu, da Biyan Sanarwa).
  • ** Ayyukan Aiki da Ci gaban Jama'a Kanada (ESDC) & Ma'aikatar Aiki da Alakar Wajen Aiki (DEWR):** Shirin Kariyar Masu Neman Albashi (WEPP) Cancantar da Jagorancin Haƙƙin Haƙƙin Australiya (FEG).
  • Ofishin Haƙƙin mallaka na Amurka & Ƙungiyar Masu Kyauta / Ma'aikatar Kwadago ta New York: Da'irar 30: Ayyukan da Aka Yi don Hayar17 U.S.C. § 101), Kwantar da Ayyukan Haƙƙin mallaka akan Cikakkiyar Biyan Kuɗi, da Dokar 'Yanci Ba Kyauta ba.

Jagora masu alaƙa