Asusun Haɗin Banki Wanda Ma'aurata Suka Cire Ko Kuma Aka Yi musu Ado Don Bashin Mai Mallakin: Neman Kuɗi Na dabam¶

Gano cewa asusun ajiyar haɗin gwiwa ko asusun ajiyar kuɗi ya ragu ba zato ba tsammani zuwa $ 0.00 , ko dai saboda ma'aurata ko abokin tarayya a asirce sun fitar da duk ma'auni a cikin dare kafin a kashe aure, ko kuma saboda mai bin bashi, mai karɓar bashi, ko hukumar haraji ya yi amfani da ** Bank Account Levy (Rubutun Garnishment), a kan wani tsoho iyaye, babba yaro, ko abokin tarayya wanda ya haifar da rikici wanda sunan shi ya haifar da rikici. ya bar ku ba ku iya biyan haya, jinginar gida, ko kayan abinci. Karkashin mizanin ** Yarjejeniyar Asusun ajiya ** na kowane banki na kasuwanci da ƙungiyar laredit, duk mutumin da aka jera a matsayin mai haɗin gwiwa yana da haƙƙin kwangilar haɗin gwiwa tare da bankin don cire kashi 100 na ma'auni ba tare da sa hannun mai shi ba. Koyaya, dokar sabis na abokin ciniki ** baya ƙayyade wanda ya mallaki kuɗin bisa doka ƙarƙashin dokokin kadarorin gwamnati da masu lamuni . Ƙarƙashin ** Code Probate Uniform (UPC Article VI - Net Contribution Rule, Jiha ** Rarraba Daidaitacce / Dokokin Amintattun Dukiyoyin Al'umma**, da kuma tsarin da'awar keɓancewa na ɓangare na uku *, mai asusun haɗin gwiwa kawai ya mallaki ainihin adadin asusun da suka ajiye da kansu.their net contribution), kuma mai raba auren da ya share asusun aure ya aikata abin da za a iya aiwatarwa ** Rarraba Dukiyar Aure. Idan abokin tarayya ne kawai ya zubar da asusun haɗin gwiwar ku ko kuma mai ba da lamuni na mai shi ya daskare, yi aiki a cikin sa'o'i 24 na farko, duba yankin ku. lambobin gaggawa da albarkatun taimakon kai na kotu, da kuma duba mu Jagorar sakin kudaden harajin asusun banki da keɓancewa, mu jagoran cin zarafi da cin zarafi na kuɗi, da mu cosigner tsoho da haɗin gwiwar bashi abin alhaki jagora.

A cewar Ofishin Kariyar Kuɗi na Abokan Ciniki (CFPB), Kwamitin Dokar Uniform, da iyali da shari'ar ƙararraki a duk faɗin Arewacin Amurka, miliyoyin masu amfani da rashin sani sun ƙirƙira bama-bamai na lokacin doka ta hanyar ƙara ƙaramin yaro zuwa asusun ajiyar kuɗi na Social Security na iyayen tsofaffi don taimakawa biyan kuɗi, ko ƙara sabon abokin tarayya ko ɗalibin koleji zuwa asusun dubawa na farko. Lokacin da mai siyan bashi na katin kiredit ya sami hukuncin da bai dace ba akan wannan babban yaro ko abokin zama, software mai sarrafa kansa ta banki mai karɓar bashi yana bincika ta Lambar Tsaron Jama'a kuma ** daskare kashi 100 na kowane asusun haɗin gwiwa mai ɗauke da sunan wannan mutumin, koda kuwa wanda ake bi bashi bai taɓa saka ko kwabo ɗaya a cikin asusun ba. Sanin yadda ake shigar da Mai Bashi Mai Bashi Bashi Da'awar Ƙarfafawa na ɓangare na uku ("Source-of-Funds Tracing Affidavit") a cikin tsauraran matakan haraji na kwanaki 10 zuwa 15, yadda ake kira ** 2-watanni na atomatik kariyar kariyar tarayya (("Source-of-Funds Tracing Affidavit").31 CFR Part 212** don Tsaron Jama'a da fa'idodin VA, da kuma yadda ake samun kotun dangi ta gaggawa ** oda ta wucin gadi ta atomatikATRO) / Odar lissafin kuɗi da Clawback** akan matar da ta kai hari asusun haɗin gwiwa yana kare rayuwar ku.

Yi wannan yanzu¶

1. Bude sabon asusu na duba "Mai-Aiki" a wani banki daban a yau kuma a sake karkatar da biyan kuɗin ku da kuma ajiyar kuɗi kai tsaye. Ko abokin tarayya ya cire asusun haɗin gwiwar ku ko kuma mai ba da lamuni mai shari'a ya daskare shi, ** duk wani sabon albashi, biyan fensho, ko dawo da harajin da ya shiga cikin wannan asusun ko kuma za a bar shi gobe da safe. Kada ku buɗe sabon asusun ku a banki ɗaya. Shiga banki ko ƙungiyar bashi da ba su da alaƙa a yau, buɗe asusu ɗaya a cikin sunan ku kaɗai, kuma sabunta ajiyar kuɗin ku kai tsaye tare da tashar biyan albashin mai aiki (ADP, Workday, Gusto) ko Social Security Administration (ssa.gov/myaccount ko 1-800-772-1213).
2. Zazzage watanni 12 zuwa 24 na ƙarshe na bayanan banki na wata-wata na PDF da tarihin ma'amala KAFIN a daina shiga yanar gizo. Lokacin da ma'aurata suka kwashe asusun haɗin gwiwa kuma suka nemi banki ya rufe shi, ko kuma lokacin da banki ya sanya harajin doka a kan asusun, za a iya iyakance damar shiga yanar gizo cikin kwanaki. Nan da nan zazzagewa da adana kowane bayanin PDF na wata-wata, tabbatar da canja wurin waya, lambar hanyar canja wurin ACH, da lissafin ajiya kai tsaye na watanni 12 zuwa 24 da suka gabata**. Wadancan maganganun sune ainihin hujjar binciken da kake buƙatar nunawa alkali ko dai inda matarka ta motsa kuɗin, ko kuma cewa ** 100 bisa 100 na ajiyar kuɗi a cikin asusun da aka yi wa ado ya fito ne daga kuɗin kuɗin ku ko Social Security **, ba na mai bin bashi ba.
3. Idan mai ba da lamuni ya KASANCEWA asusu don bashin mai haɗin gwiwa: a kira sashin shari'a na banki / Sashen sarrafa kayan ado a yau don samun lambar shari'a, Sunan kotu, da lambar wayar lauyan lamuni. Ma'aikatan reshe ba su da ikon ɗaga harajin da kotu ta umarta. Tambayi lambar wayar Babban Bankin Legal Order Processing / Subpoena & Levy Unit, sannan a rubuta muhimman abubuwa guda hudu: (1) Takaitaccen Kotu da Lamban Shari'a na hukuncin, (2) Wace mai ita ce mai suna Bashin Hukunci, (3) ** ainihin ranar da aka rubuta Rubutun da Banki na hudu (4)*** ranar ƙarshe** (yawanci 10, 14, 15, ko 21 days daga sabis) kafin banki ya aika daskararrun kuɗin ga sheriff ko mai lamuni.
4. ** Shigar da ingantacciyar "Mallakar Mai Bashi Mai Bashi Da'awar Keɓancewa / Da'awar Mallaka ta ɓangare na uku" tare da Kotu da Sheriff KAFIN agogon juyawa na kwanaki 10 zuwa 15 ya ƙare.** A kusan kowace jiha, lokacin da mai ba da lamuni na shari'a ya karɓi asusun banki na haɗin gwiwa, doka ta farko ta mallaki kashi 0 na bashi * 0 ya mallaki kashi 5** amma wannan hasashe 100 bisa 100 na iya sake sakewa ta hanyar gano kudaden da aka ajiye. A cikin ka'idar taga da aka buga akan Sanarwa na Levy, shigar da rantsuwa ** Da'awar Keɓancewa / Da'awar Jam'i Na Uku ** tare da haɗewar watanni 3 zuwa 6 na ƙarshe na bayanan banki da biyan kuɗi tare da kowane ajiya da aka haskaka, yana tabbatar da cewa ** 0% na kuɗin an ba da gudummawa ta hanyar mai bin bashi**.
5. Idan ma'aurata ko abokin tarayya ne suka ɓata asusun: rubuta don lissafin Kotun Iyali na gaggawa, daskare, da odar tallafi na ɗan lokaci. A ƙarƙashin lambar iyali na kowace jiha ta Amurka, zubar da asusun haɗin gwiwa gaba ɗaya kafin ko lokacin rabuwa ana ɗaukar shi ta hanyar alkalan saki a matsayin ** Sharar Ma'aurata / Rashin Gaskiya / Rashin Halawa. Aiwatar da Koke don Rushewa ko Rarraba abubuwan da ke haifar da ruɓani ** Umarni na kangewa na wucin gadi ta atomatik (ATROs)** kuma ka baiwa lauyanka damar neman alkali ya ba alkali Nan gaggawan Odar Dawo da Kudade don biyan kudin gida, ko kuma Bayan Dala-Ba-Dala-Dala* ta cire kashi 100 na kudaden da aka karba daga kason magidanta na gida ko asusun ritaya.
6. ** Dakatar da daftarin lissafin biyan kuɗi ta atomatik (ACH debits) akan asusun haɗin gwiwa da aka share ko daskararre a yau don hana zubar da $35 NSF / Kudaden Biyan Da aka Dawo.** Lokacin da aka daskare asusu ta hanyar harajin banki ko kuma ma'aurata suka yi watsi da su, kayan aiki da aka riga aka ba da izini, lamuni na mota, jinginar gida, da katin kiredit auto-pay zai billa daya bayan daya, yana jawo kiredit $35 a makare. Shiga cikin kowane gidan yanar gizon lissafin kuɗi kuma share hanyar haɗin asusun haɗin gwiwa da lambar asusun daga biyan kuɗi kai tsaye.

Bishiyar yanke shawara: Bambance-bambancen gaggawa don magudanar ruwa ko mai daskarewar asusun banki na haɗin gwiwa¶

Yi amfani da wannan bishiyar yanke shawara na doka ta hanya biyu dangane da ko wani mai asusu ya ɓoye asusun haɗin gwiwar ku ko kuma mai bin bashi na ɓangare na uku ya daskare shi.

flowchart TD
    Start["Asusun Banki na Haɗin gwiwa Ba zato ba tsammani ya Nuna $0.00 KO 'Riƙewar Shari'a / Daskarewar Levy'"] --> CauseCheck{"1. Wanene ya ɗauki ko daskarar da kuɗin a cikin asusun haɗin gwiwa?"}

    CauseCheck -->|"LABARI A: Rarraba Ma'aurata, Abokin Hulɗa, ko Mai haɗin gwiwa Ya Janye / Wayar da Kuɗaɗen"| SpouseTrack["MA'AURATA / MAI KYAUTA: 1. Buɗe sabon asusun banki na SOL-OWNER a banki daban-daban yau kuma ku canza kuɗin biyan kuɗi kai tsaye 2. Zazzage bayanan watanni 12-24 na ƙarshe na bayanan banki na PDF & wayoyi / canja wurin ACH 3. Soke duk takardun biyan kuɗi na atomatik da ke da alaƙa da asusun da ba a gama ba."]

    SpouseTrack --> RelationshipType{"2A. Shin kun yi aure bisa doka (ko shigar da kisan aure/rabu)?"}

    RelationshipType -->|"E: Ma'aurata Mai Aure / Saki"| FamilyCourt["MAGANIN WARWARE KOTUN IYALI: - Buɗe Koke don Saki/Rabuwa don haifar da odar hanawa ta wucin gadi ta atomatik (ATROs) - Motsin Fayil don Tallafi na ɗan lokaci, Lissafi, Dawowar Kashi 50%+ na Kuɗin Gida - Da'awar Dala-dollar Dala akan rabon gida/401"]

    RelationshipType -->|"A'a: Abokiyar Aure, Abokin zama, ko dangi"| CivilConversion["MAI KYAUTA MAI KYAUTA' MAI KYAU: - A ƙarƙashin Uniform Probate Code § 6-211, kudaden asusun haɗin gwiwa yayin rayuwa na kowane ɓangare ne gwargwadon gudummawar NET ɗin su - Aika wasiƙar buƙatu na yau da kullun ta gano 100% na ajiyar kuɗin biyan kuɗin ku - Fayil Ƙananan Da'awar / Buƙatar Asusu & Canjin Canjin banki"]

    CauseCheck -->|"TRACK B: Mai Bashi, Mai Siyan Bashi, ko Hukumar Tara Takaddama don Bashin Mai Mallaka"| CreditorTrack["CREDITOR LEVY/ADO AKAN MAI KYAU: 1. Kira Sashin odar Shari'a na Banki: sami Sunan Kotu, Case #, Sunan Bashi, da Kwanan Juya 2. Buɗe sabon asusu a banki daban-daban don ajiya a nan gaba"]

    CreditorTrack --> TraceFunds["2B. SAUKI WANDA BA BAN BASHI BA 'DA'AR KUWA NA KUNGIYAR GUDA UKU' (A CIKIN KWANA 10-15): - Sami Da'awar Kotu / Takardun Da'awar Bangaren Na Uku - Haɗa watanni 3-6 na ƙarshe na Bayanan Banki + Bayanan Paystubs/SSA na ku - Tabbatar da ku ta hanyar 'Source of Funds00%' Mara-Bashi) - Kwafin Fax zuwa Lauyan Mai Larƙira yana buƙatar Sakin Levy na Sa-kai nan take"]

Track A vs. Track B: Yadda doka ke kula da janyewar mai haɗin gwiwa da mai lamuni na abokin tarayya¶

Don samun nasarar dawo da kuɗin ku cikin sauri, dole ne ku fahimci ƙa'idar tushe ta Amurka, Kanada, Burtaniya, da dokar banki ta Commonwealth: ** "Dokar Mallaka ta Mataki Biyu" (Lambar Probate Uniform Article VI, §§ 6-201 ta hanyar 6-227)**.

• Tier 1 (kwangilar Kariyar Banki): Tsakanin kai da banki, ko dai mai haɗin gwiwa zai iya sanya hannu kan takardar cire kudi 100% na asusun, kuma ** ba za ku iya kai ƙarar bankin ba** don barin ma'aikacin ku ya cire kuɗin (sai dai idan asusun ya buƙaci * sa hannu guda biyu* don cirewa).
• Tier 2 (Gaskiya Mallakar Fa'ida Tsakanin Bangarori & Masu Bashi): Tsakanin kai, mai haɗin gwiwa, da duk wani mai lamuni na ɓangare na uku, asusun banki na haɗin gwiwa na tsawon rayuwar ɓangarorin ga kowane mutum daidai gwargwado ga "Taimakon Taimako" ga adadin kuɗin ajiya (UPC § 6-211(b)*, sai dai idan an samu tabbataccen hujjar wata baiwar da ba za a iya sokewa ba.

Track B Deep Dive: Yadda ake cire daskare asusun ajiyar banki na haɗin gwiwa da aka yi wa ado don bashin mai haɗin gwiwa (Hanyar "Tsarin Kuɗi")¶

Lokacin da lauyan mai karɓar bashi ya ba da harajin banki a bankin kasuwanci ko ƙungiyar bashi don tattara hukunci akan ** Mutumin B ** (yaronku balagagge, iyayenku da suka tsufa, abokin zama, ko matar aure akan wani bashi na daban kafin aure), lauyan mai bashi bashi da ** babu ra'ayi *** wanda ainihin kuɗin ku yana cikin asusun. A sauƙaƙe bankin ya ba da rahoton cewa: "Muna riƙe dala 8,400 a cikin asusun haɗin gwiwa mai suna Person A da Person B."

Anan ga ainihin hanyar doka ta mataki 3 don tabbatar da kuɗin naku ne (Person A's) kuma ku tilasta wa mai bin bashi ko alkali su saki 100% na kudaden ku:

Mataki 1: Gina "Table Tracing Deposit" (Bayani 90 zuwa 180 na ƙarshe)¶

Buga 3 zuwa watanni 6 na ƙarshe na bayanan banki na wata-wata har zuwa ranar daskare. Haskaka kowane ajiya (payroll direct deposit, mobile check deposit, Social Security payment) tsawon wannan lokacin. Ƙirƙiri takardar taƙaitaccen bayani mai shafi 1 a saman fakitin kotun ku: - ** Jimlar Ma'auni daskararre [Date]: $8,420.00 - ** Adadi na Mai Bashi Mai Bashi ([Your Name]) sama da kwanaki 90 da suka gabata**: $11,200.00 (100% of all deposits, wanda ya kunshi albashin sati biyu daga [Employer Name]) - ** Adadin da Mai Bashi Hukunci ([Co-Owner's Name]) sama da kwanaki 90 da suka gabata**:$0.00 (0.0% of all deposits)* - **Kammala Shari'a *: Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙungiyoyin Jama'a da yawa, Taimakon Mai Bashi na Hukunci ** Gudunmawar Yanar Gizo da madaidaicin riba a cikin asusun shine $0.00.

Mataki na 2: Shigar da Kotun Hukumai "Da'awar Keɓancewa / Da'awar Wani ɓangare na Uku" A cikin Ƙarshen Doka¶

Kowace jiha tana ba da fam ɗin taƙaitaccen tsari na kotu don wanda ba mai bin bashi ba don neman kuɗin daskararre na banki: - California: Fayil ** Form EJ-160 (Da'awar Keɓancewa)** da ** Form EJ-165 (Sanarwa ta Kuɗi), ko da'awar Mallaka ta ɓangare na uku (CCP § 720.110, tare da jami'in levying (County Sheriff) a cikin ** kwanaki 15 ** bayan an aika da Sanarwa na Levy (10 days idan aka yi hidima da kanka). - New York: Karkashin CPLR § 5222-a & § 5239, mayar da ** Form Exemption Claim** a cikin ** kwanaki 20** ko shigar da wata shari'a ta musamman wacce ke nuna cewa a matsayin mai hayar haɗin gwiwa ba bashi ba (ko mai sa hannu a saukakawa a ƙarƙashin NY Banking Law § 678), kuɗaɗen na ku ne kawai. - ** Texas : Fayil ** Motsi don Rushe Rubutun Garnishment / Tsangwama na ɓangare na uku ** a ƙarƙashin ** Texas Estates Code § 113.102 ** ("A lokacin rayuwar duk ƙungiyoyi zuwa asusun haɗin gwiwa, asusun yana cikin ƙungiyoyin gwargwadon gudummawar net ta kowane ɓangare na jimlar kuɗin ajiya"). - Florida: Yi fayil ɗin ** Da'awar Keɓancewa da Buƙatar Ji (Fla. Stat. § 77.041 da ** Tabbacin Mallakar Asusun Haɗin Kan Mai Bashi (Fla. Stat. § 77.07 / § 655.79** a cikin kwana 20* bayan samun sanarwar Ado.

Mataki na 3: Fax da Imel ɗin Fakitin Neman ku Kai tsaye zuwa Lauyan Mai Larƙira A Yau¶

Kamfanonin shari'a na tattarawa suna guje wa zuwa sauraron shari'ar kotu lokacin da suka san za su yi hasara, kuma a cikin jihohi da yawa, mai bin bashi wanda ya ƙi sakin haraji bayan ya sami tabbacin cewa kuɗin na wanda ba shi da bashi ko kuma ba a keɓance kuɗaɗen Social Security ba za a iya takunkumi don ** abin da aka makala ba daidai ba **. - A wannan ranar da kuka shigar da Da'awar Keɓancewar ku tare da Sheriff ko Kotu, kira, imel, da fax fitattun bayanan banki da kuɗin biyan ku kai tsaye zuwa Lauyan Tari da aka jera akan Rubutun Ado. - Jiha cikin ladabi: "Ni ne mai ba da bashi a wannan asusun. A haɗe akwai watanni 4 na ƙarshe na bayanan banki da ke tabbatar da kashi 100 na kuɗin da aka samu daga albashin ma'aikaci na kuma $ 0.00 ta zo daga wanda ake bin bashi. A mafi yawan shari'o'in ganowa, lauyan tattarawa zai aika fax zuwa banki cikin awanni 24 zuwa 72.

Biba Zurfi Mai Zurfi: Abin da za a yi lokacin da ma'aurata ko abokin tarayya suka zubar da asusun haɗin gwiwa¶

Lokacin da aure ko haɗin gwiwa na dogon lokaci ya lalace, ɗaya daga cikin abokan tarayya yakan firgita kuma ya canza ** kashi 50 zuwa kashi 100 na ma'auni na haɗin gwiwa da ajiyar kuɗi ** zuwa asusun sirri na mutum a ranar da za a tashi.

1. Me Yasa "Duk Wanda Ya Fara Zuwa Banki Ya Rike Kudi" Cikakkiyar Tatsuniya ce ta Shari'a.¶

Yawancin ma'aurata suna tunanin cewa saboda ma'aikacin banki ya ba su damar fitar da dala 60,000 daga asusun ajiyar kuɗi na haɗin gwiwa, za su iya ajiye dala 60,000 a cikin kisan aure. A kowace jiha ta Amurka, lardin Kanada, kotun dangi ta Burtaniya, da kotun dangi ta Australiya, wannan karya ce dari bisa dari. - A Jahohin Dukiyar Al'umma (California, Texas, Arizona, Nevada, Washington, Idaho, Louisiana, New Mexico, Wisconsin) da Jahohin Rarraba Daidaito (all other 41 states), ranar da ma'aurata suka kwashe asusun haɗin gwiwa don tsammanin rabuwa an kama su a cikin ** Hoton Kadarorin Aure ***. - Duk dalar da matarka ta cire sama da kason da aka ba su izini ana rarraba su a matsayin "Rarraba Dukiyar Aure" ko "Rarraba Kayayyakin Aure."

2. Magani 3 na Kotun Iyali Zaku Iya Buƙatar Nan take¶

1. Gaggawa Pendente Lite (Na wucin gadi) Motsi don Maido da Kuɗaɗen Gida:
2. Idan matarka ta kwashe asusun ajiyar haɗin gwiwa a ranar 28 ga wata, ta bar ka da $0 don biyan jinginar gida, kulawar rana, kayan aiki, ko abinci a ranar 1^st, alkalin Kotun Iyali zai iya sauraron wani gaggawar kudiri na umurci ma'auratan da cewa ** nan da nan ya dawo da kashi 50% zuwa 100% na ma'auni na gidan aiki** kuma ku biya lauyoyin ku.
3. ** Umarnin Hani na ɗan lokaci ta atomatik (ATROs) & Sanarwa Daskarewar Banki ***:
4. Aiwatar da sammacin saki ya sanya kotu ta ba da umarnin Hukunce-hukuncen Hana Kudi ta atomatik a wurin da zai hana ko wanne ma'aurata canja wuri, ɓoyewa, ko watsar da duk wani asusu, 401(k)s, ko layin kuɗi.
5. Under state statutes (such as California Family Code § 1100 or New York Domestic Relations Law § 236), you can serve a written Notice of Adverse Claim / Revocation of Single-Signature Authority on the bank to require both signatures for any future withdrawals or close the drained joint account.
6. ** "Kasuwancin Dala-da-Dollar" (Ko California Rossi 100% Hukunci)**:
7. Ko da matarka ta riga ta kashe $ 40,000 da suka karɓa daga asusun haɗin gwiwa, kotun saki kawai ** cire $ 40,000 kai tsaye daga rabin rabin gidan mijin ku ko asusun ritaya ** a lokacin sulhu na ƙarshe, kuma a cikin jihohi kamar California (Family Code § 1101(g)-(h)), Ma'auratan da suka karya aikin amana ta hanyar boye kudaden al'umma da gangan za a iya azabtar da su 50% zuwa 100% na darajar kadari tare da kudin lauya.

3. Idan Ba ​​Ka Aure Da Abokin Hulɗar Da Ya Cire Account ɗin Fa? (Aboki, Abokiyar Aure, Abokin zama, ko Sibling)¶

Idan abokin aure, tsohon ango, ko memba na iyali ya zubar da asusun haɗin gwiwa wanda ** ku** ku ajiye kuɗin ku ko ajiyar ku: - Dokar farar hula ta jiha tana kiyaye ku a ƙarƙashin Uniform Probate Code Net Contribution DokokinUPC § 6-211). - Karkashin UPC § 6-211, saka sunan abokin aure a asusun bankin hadin gwiwa ** baya mika musu kudin ku a rayuwarki**. Kowace jam’iyya tana da ainihin adadin dalar da suka bayar sai dai abin da suka kashe. - Mataki na Gaggawa: Aika rubutacciyar takarda ** Wasiƙar Buƙatar Canjin Jama'a ta hanyar wasiƙar da aka tabbatar ta ba su kwanakin kasuwanci 5 don dawo da gudummawar gidan yanar gizon ku da aka gano, kuma idan sun ƙi, shigar da da'awar a ** Ƙaramar Kotun Da'awar *** ko ** Kotun Gundumar *** don ** Canje-canje, Rashin Ƙarfafa Bailment, Bayar da Bailment, da Ƙaddamar da bayanin ku.

Lambobin gaggawa na yanki da ka'idojin hukumar¶

Keɓancewar asusun haɗin gwiwa, odar daskare kadarorin aure, da kuma hanyoyin ba da izini na banki suna aiki ƙarƙashin takamaiman tsarin ƙasa:

• *Amurka:
• ** Kariyar Amfani ta atomatik ta Tarayya (31 CFR Part 212***: A duk lokacin da asusun haɗin gwiwa ya karɓi ** Tsaron Jama'a, SSI, VA, Ritaya Railroad na Tarayya, ko Ritaya Ma'aikatan Gwamnatin Tarayya ** ta hanyar ajiya kai tsaye, dokar tarayya ta buƙaci banki don kare kai tsaye ** cikakken watanni 2 na ajiyar fa'ida ** daga kowane mai ba da lamuni na shari'a na jiha, koda kuwa harajin yana kan sauran mai haɗin gwiwa.
• Korafe-korafen Mai Gudanarwa & Taimakon Shari'a: Idan banki ya daskare fa'idodin tarayya ba bisa ka'ida ba ko kuma ya ƙi aiwatar da ingantaccen sakin haraji, shigar da ƙarar gaggawa ga ** Ofishin Kariyar Kuɗi (CFPB)** a consumerfinance.gov/complaint (1-855-411-2372) ko Office na Kwanturolar Kudi (OCC). Nemo wakilcin ƙayataccen kuɗi kyauta a LawHelp.org.
• ***Kanada ***:
• ** Dokokin Ado na Haɗin gwiwa (Notice of Garnishment***: A duk faɗin lardunan gama gari, waɗanda ba masu bin bashi ba za su iya yin takara da kayan ado a Jirgin Ado ta hanyar tabbatar da ikon mallakar kawai na adalci (Resulting Trust ƙarƙashin hukuncin Kotun Koli na Kanada a Pecore v. Pecore, 2007 SCC 17).
• Daskarewar Aure: Tuntuɓi Cibiyar Bayanin Dokar Iyali ta Lardi (FLIC) don gaggawar Hanyarwa/Odadin Kiyayewa idan ma'aurata sun lalata kayan iyali.
• ** United Kingdom:
• ** Umarni na Bashi na ɓangare na uku (CPR Part 72) Ba za a iya haɗa Asusun haɗin gwiwa don Bashin Mai shi ɗaya ba**: Ƙarƙashin Dokokin Tsarin Mulki na Ingilishi da Welsh (CPR Part 72) da House of Lords precedent (Hirschhorn v Evans), mai bin hukunci ** ba zai iya amfani da Umarnin Bashi na ɓangare na uku don daskare ko ƙwace asusun ajiyar banki na haɗin gwiwa *** idan ɗaya daga cikin masu asusun haɗin gwiwa ne kawai ke bin bashin hukunci. Idan banki ya yi kuskure ya daskare asusun haɗin gwiwa don bashi guda ɗaya, kai tsaye kai ƙara zuwa banki da ma'aikatan Ombudsman na kuɗi (FOS - 0800 023 4567)**.
• Daskare Rikicin Ma'aurata / Mai Abokin Hulɗa: A Burtaniya, idan kun rabu da ku da abokin tarayya, ko dai mai haɗin gwiwa zai iya kiran bankin ya umarce su da su "Daskare Asusun Haɗin gwiwa / Soke Dokar" don haka ana buƙatar sa hannu guda biyu don ƙarin cirewa.
• ** Tarayyar Turai ***:
• Jamus (Pfändungsschutzkonto / P-Konto - § 850k & § 850l ZPO: Karkashin Ladadin Tsarin Mulkin Jamus § 850l ZPO, idan asusun haɗin gwiwa (Gemeinschaftskonto) an yi masa ado don bashin mai gida ɗaya, wanda ba shi da bashi yana da haƙƙin doka a cikin watan ** 1 na abin da aka makala don buƙatar bankin ** ya raba ma'auni daidai.Kopfteile) da kuma canja wurin rabon su zuwa sabon asusu na mai shi da aka buɗe (Einzelkonto** free of ado.
• FaransaSaisie-attribution sur compte joint - R162-9*: Lokacin da ma'aikacin kotu (commissaire de justice) ya ƙwace asusun haɗin gwiwa don bashin mai riƙe da shi, wanda ba mai bin bashi ba zai iya sakin kuɗin su ta hanyar ba da hujja ga ma'aikacin kotu da alkali na kisa (JEXcewa kudaden sun samo asali ne daga abin da suka samu na kansu (justification de l'origine des fonds).
• ** Ostiraliya da New Zealand ***:
• Australia: Under state Civil Procedure Rules, a Garnishee Order for a sole debtor generally cannot attach a joint bank account held with a non-debtor. Idan abokin tarayya ya zubar da asusun haɗin gwiwa, tuntuɓi ** Kotun Tarayya da Kotun Iyali ta Ostiraliya *** don gaggawar ** Umarni na Dukiya ** kuma ku nemi bankin ku nan da nan don canza ikon sa hannun asusu na haɗin gwiwa daga "Ko dai don Sa hannu" zuwa "Dukansu don Sa hannu".
• New Zealand: Tambayi bankin ku nan da nan don canza wa'adin asusun haɗin gwiwa zuwa "Biyu don Sa hannu" akan rabuwa, da haɓaka rikice-rikice zuwa Tsarin Ombudsman na banki0800 805 950)**.

Tambayoyin da ake yawan yi¶

Me yasa bankina ba zai sake juyar da canja wurin ba lokacin da mijina ko abokin zama na ya kwashe asusun haɗin gwiwarmu ba tare da ya tambaye ni ba?¶

Domin lokacin da ku da mai haɗin gwiwar ku suka sanya hannu kan Yarjejeniyar Deposit Account Asusu na banki a buɗe asusun, ku biyu kun amince da wasiƙar sa hannu guda ɗaya da ke ba da izini ga bankin don girmama cirewa ko canja wurin waya wanda ko dai mai suna co-mall ya fara har zuwa kashi 100 na ma'auni. A karkashin Uniform Commercial Code (UCC) da dokokin banki na jiha, bankin ba shi da kariya daga abin alhaki idan ya bi umarnin mai haɗin gwiwa mai suna. Don dawo da kuɗin ku, kuna bin mai haɗin kai kai tsaye ta Kotun Iyali (idan an yi aure) ko Kotun Ƙaunar Jama'a / Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarfafa Ƙwararrun Ƙwararrun Ƙwararrun Ƙwararru (idan ba a yi aure ba).

Shin zan iya kiran banki a yanzu in ce su kulle asusun haɗin gwiwarmu ko in buƙaci "Sa hannu Biyu" don haka matata ba za ta iya ɗaukar sauran kuɗin ba?¶

A cikin Ƙasar Ingila, Ostiraliya, New Zealand, da Kanada, i: duk wani mai asusun haɗin gwiwa guda ɗaya zai iya sanar da bankin takaddamar dangantaka kuma ya umurci bankin da ya buƙaci "Dukkanin Su biyu" don duk wani janyewar gaba. A {asar Amirka, duk da haka, yawancin manyan bankunan sayar da kayayyaki ba sa bayar da tilasta wa mabukaci rajistar asusun; a maimakon haka, idan kun bayar da rahoton rikicin aure, bankin Amurka zai ba ku damar rufe asusun ko sanya cikakken riko na gudanarwa a cikin duka asusun har sai ma'auratan biyu sun sanya hannu kan sakin haɗin gwiwa ko gabatar da umarnin Kotun Iyali. Koyaushe matsar da kason ku na kuɗin lissafin gida da ake buƙata kuma ku karkatar da kuɗin kuɗin ku KAFIN tambayar bankin Amurka ya daskare asusun haɗin gwiwa da ake jayayya.

Mahaifiyata ’yar shekara 78 ta sanya sunana a asusun ajiyarta don in biya kuɗin amfani da ita. Shin mai bin katin kiredit na zai iya ɗaukar kuɗin Social Security?¶

A'a, muddin kun yi gaggawar tabbatar da kariyar ta ta doka. Na farko, idan an saka fa'idodin Social Security na mahaifiyar ku kai tsaye cikin wannan asusun, tsarin tarayya na 31 CFR Sashe na 212 yana buƙatar banki ta atomatik ya kare cikakken watanni 2 na asusun ajiyar ku na Social Security daga duk wani daskare a ranar 1. Na biyu, ga duk wani ajiyar kuɗi a cikin asusun sama da watanni 2 na fa'idodi, ku da mahaifiyar ku dole ne ku shigar da ƙararrakin ɓangare na uku na Kiyayewa da ranar 15 tare da ranar ƙarshe ta 15 tare da kotu. watanni 3 zuwa 6 na bayananta na banki. Da zarar ka nuna cewa kashi 100 cikin 100 na kudaden da ke cikin asusun ajiyar kuɗin zamantakewar mahaifiyar ku ne da fansho, alkali zai saki kashi 100 na kuɗinta. Da zaran an fitar da kuɗin, cire sunan ku a matsayin Mai Haɗin gwiwa kuma ku sake yin lissafin kanku a matsayin mai ba da izini ko mai sa hannu mai dacewa.

Idan matata ta cire $50,000 daga asusun ajiyarmu na haɗin gwiwa a ranar da ta gabata kafin yin rajistar saki, shin zan ɗauki $50,000 daga wani asusu don yin daidai?¶

Idan matarka ta ɗauki kashi 50 cikin 100 na jimlar kuɗin ruwa kuma ta bar sauran kashi 50 cikin 100 a cikin asusun, motsa ragowar kashi 50 cikin 100 na ku zuwa sabon asusun mai mallakar da aka buɗe a cikin sunan ku (da bayyana shi a kan takardar shaidar kuɗin ku na kotu) daidaitaccen aiki ne. Kada a taɓa ɓoye kuɗi a cikin tsabar kuɗi ko asusu na ɓangare na uku, kuma kar a taɓa keta sammacin kotu mai aiki ko oda ta wucin gadi ta atomatik (ATRO).

Har yaushe ake ɗauka kafin a sami asusun haɗin gwiwa na banki ba tare da daskarewa ba bayan na shigar da Da'awar Keɓance Ba Mai Bashi ba?¶

Idan ka aika fax da imel ɗin bayanan banki da aka ba da haske da kuma biyan kuɗi kai tsaye zuwa ga lauyan mai karɓar bashi a ranar 1 yana nuna cewa kashi 100 cikin 100 na adibas naka ne, yawancin lauyoyin tattarawa za su fax a Sakin Ado ga banki cikin kwanaki 2 zuwa 5 na kasuwanci. Idan mai bin bashin ya ki, dokar jihar ta kafa wani gaggawar sauraren shari'a a gaban alkali a cikin kwanaki 10 zuwa 21, bayan haka kotu ta umurci bankin da ya saki kudaden ku da aka gano.

Jagora masu alaƙa¶

• Harajin asusu na banki, daskararre asusun dubawa, da fitar da kuɗaɗen keɓe
• Cin zarafi na kudi, tilastawa kula da tattalin arziki, da amintaccen fita kudi
• Tsohuwar Cosigner, alhakin haɗin gwiwa, da kariyar bashi
• Dattijo mai kiyayewa, soke ikon lauya, da kariya ta aminci
• Jagorar lambobin gaggawa

Tushen da jagorar hukuma¶

• Hukumar Shari'a ta Uniform (ULC): Lambar Probate Uniform (UPC) Mataki na VI, Sashe na 2 - Lissafin Mutane da yawa, Sashe na 6-211 (Mallaka A Lokacin Rayuwa: Dokokin Ba da Taimako na Yanar Gizo) da Lissafin Jihadi na Doka.
• U.S. Ma'aikatar Baitulmali & Gudanar da Tsaron Jama'a: 31 CFR Sashe na 212 - Ado na Asusu Mai Kunshi Biyan Amfanin Tarayya (Wajibi na Kariya na Watanni Biyu don Asusun Haɗin gwiwa).
• Hukumar Kariya ta Kudi (CFPB): Shawarwari ga Mabukaci akan Asusun Haɗin gwiwar Banki, Ƙarfin Lauya da Mallakar Haɗin Gwiwa ga Manya, da Amsa Ado Tarin Bashi.
• Ƙungiyar Lauyoyin Amurka (ABA) Sashe na Dokar Iyali & Hukumar kan Doka da Tsufa: Shari'ar Rarraba Ma'auratan Asusun Haɗin Kai da Kare Iyaye Manya daga Lawi Masu Lamuni Mai Sauƙi.
• Hukumar Kula da Kudade ta Ƙasar Ingila (FCA) & Sabis na Bayar da Agajin Kuɗi (FOS): Asusun haɗin gwiwa a cikin Wahalar Kuɗi, Hukunce-hukuncen Matsalolin Aure Daskarewa, da Dokokin Bashi na ɓangare na uku (CPR Sashe na 72).