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Bambancin fatarar gaggawa da tsayawa ta atomatik

Lambobin gaggawa sun bambanta da ƙasa. Wannan shafin yana amfani da 911, lambar ga Amurka da Kanada. Yawancin ƙasashe suna amfani da 112, 999, ko wata lamba. Nemo lambar don ƙasar ku.

Lokacin da kuke fuskantar gwanjon keɓancewar gida a gobe da safe, ƙayyadaddun albashi na kashi 25 cikin ɗari wanda ya sa ba za ku iya siyan kayan abinci ba, harajin asusun banki, cire haɗin yanar gizo, ko ƙarar bashin farar hula, daidaitaccen shawarwarin bashi galibi yana jinkiri sosai. A cikin waɗannan m gaggawar, da Bankruptcy Atomatik Stay (wanda aka daidaita a 11 U.S.C. 362 a cikin Amurka, tare da daidaitattun ka'idoji a ƙarƙashin Bankruptcy and Insolvency Act in Canada, the Insolvency Act 1986 in the United Kingdom, and the Great Australia Act of Insolvency and Insolvency Act) a dokar mabukaci da ƙananan kasuwanci.

Ma’aikacin kotun bankruptcy ne ya buga tambarin na biyu daidai takardar neman fatarar kudi, ko da ta hanyar gaggawa mai shafi 3 “Skeleton Petition” da aka shigar da shi mintuna 15 gabanin yin gwanjon kwace gidan kotu, umarnin kotun tarayya da ake kira Automatic Stay ya fara aiki ta hanyar aiki da doka. Tsaya ta atomatik nan da nan ya sa ya zama cin zarafi na tarayya ga kowane mai ba da bashi, hukumar tara kuɗi, mai gida, kamfani mai amfani, ko amintaccen ɓata lokaci don ci gaba da kiraye-kirayen tattarawa, ƙararraki, ƙarar albashi, harajin banki, mallakar abin hawa, ko siyar da keɓancewa. Wannan jagorar tana bibiyar ku mataki-mataki ta yadda Tsayawa ta atomatik ke aiki, yadda ake zaɓar tsakanin Babi na 7 (Liquidation / Fresh Start) da Babi na 13 (Biyan Mai karɓar Albashi / Mai Ceton Gida) ko Babi na V Babi na 11 ga ƙananan 'yan kasuwa, yadda ake shigar da kwarangwal na gaggawa wanda lokaci ya kure don yin kuskure, da kuma guje wa ɓarnawar banki. a yanzu.

Yi wannan yanzu

  1. ** Ƙayyade ainihin sa'a da kwanan wata na aikin mai ba da lamuni da kuke buƙatar dakatarwa (sayar da tallace-tallace na ɓoye, gwanjon sake mallakar ƙasa, ranar biyan albashi, ko kullewar kora): Tsayawa ta atomatik na fatarar kuɗi kawai tana kare kadarorin da har yanzu kuke riƙe riba ta doka ko daidaito ** a daidai lokacin da aka shigar da ƙarar fatarar kuɗi. Idan kun shigar da Babi na 13 fatarar kuɗi a 09:55 na safe kafin gwanjon keɓewa na 10:00 na safe, an dakatar da gwanjon bisa doka kuma an adana gidan ku; idan kun jira har zuwa 10:05 na safe bayan gwanjon gavel ɗin ya faɗi, Tsayawa ta atomatik ba za ta iya warware cinikin da aka kammala ba (11 U.S.C. 1322©(1)).
  2. Kada ku zubar da 401 (k), IRA, ko asusun ritaya na fensho don biyan katunan bashi, takardar kudi na likita, ko bashin da aka ba da izini. A karkashin dokar fatarar tarayya ( 11 USC 522 (b) (3) (C) da 522 (d) (12) *), asusun ritaya masu cancantar haraji (401 (k), 403 (b), 457, fansho, tsare-tsaren raba riba, da IRAs har zuwa sama da dala miliyan 1.50 waɗanda za a iya ba da izini ta hanyar doka ta $ 1.50 miliyan. mai kula da fatara. Cire tanadin ajiyar ku na ritaya mai kariya don biyan basussukan da ba a tabbatar da su ba wanda da an share su don 0 USD a Babi na 7 yana lalata ritayar ku nan gaba ba don komai ba kuma yana haifar da hukuncin haraji na cire kashi 10 na IRS da wuri.
  3. *Kada ku taɓa biyan lamuni ga 'yan uwa, abokai, ko abokan kasuwanci ("Insiders"), kuma kada ku taɓa canza sunan mota ko aikin gida daga sunan ku kafin yin rajista : Karkashin 11 U.S.C. 547(b)(4)(B), idan ka mayar da lamuni ga dan uwa ko abokinka a cikin 1 cika shekara kafin shigar da fatarar kudi, mai kula da fatarar kudi yana da ikon doka don ** karar dan uwanka ("Insider Preference Clawback") da tilasta musu su mika wannan kudi ga kotu. Hakazalika, sanya hannu kan lakabin mota ko takardar kadarori ga dangi na kasa da cikakken tsabar kuɗi na kasuwa a cikin 2 zuwa 4+ shekaru kafin a shigar da karar a matsayin ** Canja wurin Zamba (11 U.S.C. 548) kuma zai iya kwace ku daga fitar da ku ta fatarar kuɗi.
  4. *Dakatar da amfani da duk katunan kuɗi, ci gaban kuɗi, da "Saya Yanzu, Biya Daga baya" layukan nan da nan : Karkashin 11 U.S.C. 523 (a) (2) (C), cajin sama da ** 800 zuwa 825 USD (wanda aka lissafta) a cikin kayan alatu ko ayyuka akan katin mai lamuni guda ɗaya a cikin kwanaki 90 kafin gabatar da fatarar kuɗi, ko ɗaukar ci gaban kuɗi sama da 1,100 zuwa 1,150 USD a cikin kwanaki 70 na shari'a. ** yaudarar da ba za'a iya cirewa ba. Canja sosai don zare kudi ko tsabar kuɗi don abinci na yau da kullun, abubuwan amfani, da haya.
  5. ** Cika wajaba na sa'o'i 1 na Tilastawa Pre-Filing Credit Counseling Course daga wata hukuma da aka amince idan shigar da gaggawa ta kusa**: Karkashin 11 U.S.C. 109(h), babu wani mutum da zai iya shigar da takardar neman fatara Babi na 7 ko Babi na 13 (har ma da takardar kwarangwal mai shafuka 3 na gaggawa) ba tare da fara kammala minti 45 zuwa 60 akan layi ba ko bayanan waya daga hukumar ba da shawara ta bashi wanda ** Shirin Amintacce na Amurka** ya amince da shi.justice.gov/ust, farashin 10 zuwa 25 USD ko kyauta akan ƙetare kuɗi) da haɗawa da ** Takaddun Shaida **.
  6. ** Ba da fifikon lafiyar jiki da tallafin lafiyar hankali yayin daɗaɗɗen kuɗi ko rugujewar kasuwanci**: Fuskantar rufe kasuwancin kwatsam, kulle gida, ko ƙara na iya jin daɗi. Idan kai ko memba na iyali kuna fuskantar matsalar tabin hankali, kira ko a tura sako kyauta 988 Kisan Kai da Rikicin Rayuwa (a Amurka da Kanada). Idan mai ba da bashi ko wakilin mallaka ya yunƙurin tashin hankali ba bisa ka'ida ba ko shiga gida ko wurin aiki, matsa zuwa aminci kuma a kira lambar gaggawa ta gida (911 a Amurka da Kanada, 112 a cikin Tarayyar Turai, 999 a cikin United Kingdom) ko duba mu lambobin gaggawa directory.

Danger

Hattara da "Maimaita Fayil ta atomatik Tsaya Tarko" (11 U.S.C. 362©(3) da ©(4)): 1. *Idan kuna da shari'ar fatarar kuɗi guda 1 kafin a biya ku kuma an kore ku a cikin watanni 12 da suka gabata : Lokacin da kuka shigar da sabon shari'ar fatarar kuɗi a yau, ** Zama ta atomatik zai ƙare ta atomatik bayan kwanakin kalanda 30 kawai sai dai idan lauyan ku ya shigar da ƙarar * Motion don Tsawaita Tsayawa ta atomatik kuma alkali ya kama sauraron karar ** a cikin wannan ranar 30 na farko a cikin sabon bangaskiya. 2. **Idan kuna da shari'o'i 2 ko fiye kafin fatarar kuɗi suna jiranuma an kore ku a cikin watanni 12 da su gabata ***: Shigar da shari'ar fatarar kuɗi ta uku a yau tana haifar da ZERO Automatic Stay at all on Rana ta 1 (gwaninta ko kwacewa na iya ci gaba daidai kan shigar da ku sai dai idan alkali ya ba da tabbacin Motion na gabatar da Zama). Kar a taɓa yin fayil ɗin kuma a yi watsi da shari'ar fatarar da ba ta wakilta ba tare da cikakken shirin gamawa ba.

Taswirar yanke hukunci: bambancin fatarar gaggawa (Babi na 7 vs. Babi na 13 vs. Karamin Babi na V)

flowchart TD
    Start["Fuskantar Ƙullawar Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwaƙwalwa na Banki , Komawa, ko Rushe Bashi"] --> UrgentCheck{"Wane Takamaiman Gaggawa Dole ne a Dakatar da Yau?"}
    UrgentCheck -->|"Gwaninta Ƙofar Gida akan Gida ko Mallakar Motar da ake Bukata"| AssetCure["Bukatar Babi na 13 Farar Kuɗi (11 U.S.C. 1322(b)(5)): Dakatar da Siyar nan da nan kuma Ya tilasta Tsarin Magance Ciki na Watan 36 zuwa 60"]
    UrgentCheck -->|"Garnishment na Albashi, Levy na Banki, Lissafin Kuɗi na Likita, Katin Kiredit, ko Lamunin Biyan Kuɗi"| IncomeAssetTest{"Bincika Kudin shiga na Gida (Gwajin Ma'anar) da Ƙirar Dukiya mara Warewa"}
    UrgentCheck -->|"Yin Aiki Kananan Kasuwanci ko LLC tare da Bashi mai siyarwa/Lease/SBA"| BizTest{"Shin Kasuwancin Zai Yiwuwa Idan Bashi Aka Sake Tsara, Ko Rufewa Har Dindindin?"}
    IncomeAssetTest -->|"Kudin shiga ƙasa Matsakaici na Jiha (ko Ya Wuce Ma'anar Gwaji) DA Duk Kadarorin da Keɓaɓɓu ke Rufewa"| FileCh7["Fayil Babi na 7 Farar Fare: Yana Dakatar da Kayan Ado A Yau kuma Yana Cire Basu da Basu Tabbace ba a cikin Kwanaki 90 zuwa 120 tare da Biyan 0 USD"]
    IncomeAssetTest -->|"Samun Kuɗi Yayi Maɗaukaki Don Babi na 7 KO Bukatar Kare Daidaicin Gida/Kadara Ba a Keɓance Ba"| FileCh13["Fayil Babi na 13 Farar Fare: Yana Kare 100% na Dukiya yayin Biyan Raba Rabawar Kuɗi na Rabawa Sama da Shekaru 3 zuwa 5"]
    BizTest -->|"Rufe Kasuwanci na Din-din-din (Sharuɗɗan Sharuɗɗa na Sirri)"| FileCh7
    BizTest -->|"Ƙananan Kasuwancin Mai Mahimmanci yana Bukatar Ci gaba da Aiki da Cram Down Lamuni/Leases"| FileSubV["Fayil Babi na 11 Karamin Babi V Sake Tsara Ƙananan Kasuwanci (ko Babi na 13 na Mutum ɗaya don Masu Mallaka Kadai)"]

Mataki na 1: Abin da Tsayawa ta atomatik ya tsaya nan da nan (Kuma abubuwa 6 ba ya tsayawa)

Lokacin da aka shigar da ƙarar fatarar kuɗi a ƙarƙashin Babi na 7, Babi na 11, ko Babi na 13, 11 U.S.C. 362 (a) yana aiki azaman odar daskare a cikin ƙasa nan take. Idan mai bin bashi da gangan ya keta Tsayawa ta atomatik bayan an sanar da shi lambar shari'ar ku, **11 U.S.C. 362 (k) *** yana buƙatar alkali na fatarar kuɗi don ba ku kyauta ** diyya ta ainihi, lalacewar tunanin rai, kuɗaɗen lauya, da diyya mai ladabtarwa ***.

Kwatanta: Abin da Tsaya ta atomatik ya tsaya da keɓancewar doka

Ayyukan Mai Ba da Lamuni na Gaggawa Shin Mai atomatik Tsayawa Yana Tsayawa Nan take? Yadda Yana Aiki & Abin da Ya Kamata Ku Yi A Ranar 1
1. Kasuwancin Kashe Gida / Siyarwar Amintacce E (100% Dakatar) idan an shigar da shi ** kafin** gwanjon ya faɗi (11 U.S.C. 362(a)(3)-(5)). Fax da imel ɗin da aka rubuta ta lokaci ** Sanarwa na Case Case ɗin Fatarar *** (tare da lambar shari'ar lambobi 7) kai tsaye zuwa ga kamfanin lauyoyi / amintattu da mai ba da jinginar gida. A cikin Babi na 13, kuna maganin basussukan lamunin lamuni da suka wuce na tsawon watanni 36 zuwa 60 yayin da kuke ajiye gidanku.
2. Kyautar Albashi (Katunan Kiredit, Likita, Haraji, ko Lamunin ɗalibai) ** EE (An dakatar da 100%)** don duk hukunce-hukuncen masu zaman kansu, harajin haraji na IRS, da lamunin AWGs na ɗalibi na tarayya (** SAI DAI** mai ci gaba da tallafin yara / alimony). Nan da nan mika kwafin ** Sanarwa na Fasakar Kuɗi ** zuwa ga Ma'aikatan ku na Biyan Biyan Kuɗi / Sashen HR da fax ga lauyan mai ba da bashi da kuma Sheriff / Marshal County. Duk wani albashin da aka yi wa ado bayan daidai lokacin da aka yi rajista dole ne a mayar muku da ku; Albashin da aka yi wa ado a cikin ** kwanaki 90 kafin yin rajista ** (idan ya kai sama da USD 600 kuma keɓewar ku ta rufe) galibi ana iya raba ku a ƙarƙashin 11 U.S.C. 547 da 522 (h).
3. Kashe Mai Amfani (Lantarki, Gas, Ruwa) E (Wajibi Tsaida Kwana 20 & Sake Haɗuwa) ƙarƙashin 11 U.S.C. 366. An haramta amfani da jama'a a doka ta tarayya daga canza, ƙin, ko cire haɗin wutar lantarki, gas, ko sabis na ruwa ** saboda lissafin da ba a biya ba kafin fatarar kuɗi (kuma dole ne ya dawo da sabis idan an rufe kwanan nan). A cikin Babi na 7, an share tsohon bashin kayan aiki 100 bisa 100, idan dai kun ba mai amfani da madaidaicin "tabbatacciyar tabbacin biyan kuɗi na gaba" a cikin kwanaki 20 *** bayan yin rajista.
4. Mallakar Mota E (Halts Repo) idan har yanzu motar tana kan titin ku. Idan an riga an cire motar a cikin ƴan kwanaki na ƙarshe (kafin gwanjo), Babi na 13 na iya tilasta komawa ko sake fasalin. A karkashin hukuncin Kotun Koli ta Amurka a Birnin Chicago da Fulton (592 U.S. 154), mai ba da lamuni da ya riga ya sake mallakar mota kafin shigar da shi ba ya keta sashe na 362 (a) (3) kai tsaye ta hanyar riƙe ta ba tare da izini ba, don haka dole ne lauyan ku Babi na 13 gabatar da gaggawar Motion for Turnover under 11 U.S.C. 542(a) yana ba da cikakkiyar kariya (tabbacin cikakken inshora + Biyan shirin Babi na 13) don dawo da makullin mota kafin gwanjo.
5. Korar gida daga mai gida ** YA DOGARA akan ko mai gida ya riga ya ci nasarar Hukuncin Kotu ta ƙarshe don Mallaka KAFIN ka shigar da** (11 U.S.C. 362(b)(22)). Idan mai gida bai ci nasara ba har yanzu hukuncin korar kotu na ƙarshe: Faɗar fatarar kuɗi ** nan take ya dakatar da ƙarar korar**. Idan mai gida RIGA YA ci nasara Hukunci na Karshe don Mallaka/Rubutun Sakawa KAFIN sa'ar da kuka shigar da fatarar kudi: Kasa da 11 U.S.C. 362 (b) (22) da (l), Tsayawa ta atomatik ba ta dakatar da kullewar Sheriff SAI DAI dokar jihar ta ba wa mai haya damar magance hayar bayan yanke hukunci kuma kun shigar da ** Form na hukuma 101A** tare da takardar koken ku da ke tabbatar da cewa kun ajiye ** Kwanaki 30 na gaba bayan hayar koke-koke *** Kotu kai tsaye tare da Bankruptcy Day 1.
6. Dakatar da lasisin tuki don Hukunce-hukuncen Mota da ba a biya ba ko tarar Kotu YES don hukunce-hukuncen kuɗi na jama'a marasa inshora-motoci (Perez v. Campbell, 402 U.S. 637) da ƙarin cajin zirga-zirga da yawa. Da zarar an haɗa hukuncin hatsarin mota a cikin Babi na 7 ko Babi na 13 bankruptcy, DMV na jihar DMV an hana shi ta hanyar Babban Magana da 11 U.S.C. 525(a) daga ƙin mayar da lasisin tuƙi kawai saboda hukuncin da za a iya sallama ya kasance ba a biya ba (idan har kuna ɗaukar inshorar SR-22 da ake buƙata nan gaba).
7. Hukunce-hukuncen Laifuka, Tallafin Yaran da ke Ci gaba da Ci Gaban / Adalci, da Tsaron Saki ** A'a (Ba a Tsaya ba)** ƙarƙashin 11 U.S.C. 362 (b) (1) da (b) (2). Tsaya ta atomatik ** baya tsayawa *** shari'o'in kotunan laifi, umarnin maido da laifi, wajibcin tallafin gida mai gudana (tallafin yara ko hanawa albashi), kulawar yara ko sauraron ziyara, ko umarnin hana tashin hankali na gida. (Duk da haka, a cikin Babi na 13, ana iya tsara bashin tallafin yara da ya wuce cikin shirin biyan fifiko na watanni 60 don dakatar da lasisin jihar yayin da ake biyan tallafin na yanzu akan lokaci).

Mataki na 2: Babi na 7 vs. Babi na 13 vs. Karamin Babi na V (Zaɓin babin da ya dace)

Kafin yin rajista, kwatanta ɓangarorin fatarar kuɗi na tarayya guda uku don sanin wane tsari ya dace da kuɗin shiga, kadarori, da burin gaggawa:

Kwatanta: Babi na 7 vs. Babi na 13 vs. Babi na 11 Karamin Babi na V

Siffar Babi na 7 ("Sabon Fara Liquidation") Babi na 13 ("Biyan Ma'aikata & Mai Ceton Gida") Babi na 11 Karamin Babi na V ("Ƙananan Sake Tsarin Kasuwanci")
** Wanene Zai Iya Fayil *** daidaikun mutane, ma'auratan aure, da rufe kamfanoni / LLC waɗanda kuɗin gida ke ƙasa da ** Kudin Matsakaici na Jiha** (ko waɗanda suka wuce ** Form 122A-2 Means Test**, ko kuma waɗanda basussukan su ** sama da 50% na kasuwancin da ba na mabukaci ba / likitanci / harajin haraji ** ƙarƙashin 11 U.S.) (b). ** daidaikun mutane da masu mallakar kawai *** waɗanda ke da kuɗin shiga na yau da kullun (labashi, aikin kai, Tsaron Jama'a, fensho) kuma waɗanda basussukan su ke cikin ** 11 U.S.C. 109(e)** iyakoki na shari'a. Aiki ** Kananan Kasuwanci (LLCs, Kamfanoni, Abokan Hulɗa)** ko masu kasuwanci guda ɗaya a cikin ƙayyadaddun lamunin Rukunin Bashi na V (11 U.S.C. 1182).
Jimlar Lokacin Fitowa 90 zuwa kwanaki 120 (watanni 3 zuwa 4) daga ranar gabatar da karar zuwa umarnin kotu ta karshe. ** Watanni 36 zuwa 60 (shekaru 3 zuwa 5)** na biyan shirin kowane wata, sannan a sauke sauran ma'auni marasa tsaro. An shigar da shirin a cikin kwanaki 90 **; tsarin sake fasalin yana gudana 36 zuwa watanni 60 yayin da mai shi ya kasance a cikin iko 100% (Mai Bashi a Mallaka).
Katunan Kiredit, Kuɗi na Likita & Lamuni na Keɓaɓɓu 100 bisa 100 an goge akan 0 USD (biyan kuɗi na kowane wata da aka taɓa yi ga masu lamuni marasa tsaro). Kuna biya kawai abin da ** Kudin da za a iya zubarwa na wata-wata** (ko kuma wanda ba a keɓance shi ba) yana buƙata, sau da yawa ** 0 zuwa 25 bisa 100 na ma'auni a ** 0% riba , sauran kuma ana sharewa ta dindindin. Yana sake fasalin dillali, hayar, SBA, da basussukan MCA zuwa 3-zuwa-5-shekaru da za a iya zubar da kuɗaɗen kasuwancin da za a iya zubar yayin da suke kiyaye daidaiton mai shi.
Me ya faru da Gidanku da Motar ku? A cikin ** sama da kashi 95 cikin 100 na shari'o'in Babi na 7 na sirri ("Babu-Kayan Kayayyaki") *, mai fayil ɗin yana riƙe ** 100% na dukiyoyinsu ** a ƙarƙashin ** Keɓewar Fatarar Jiha ko Tarayya (11 U.S.C. 522) yayin da ake biyan kuɗi, kodayake Babi na 7 baya samar da tsarin kamawa na shekara 5. Kuna kiyaye kashi 100 na kadarorin ku, koda kuwa kuna da daidaiton da ba a keɓance ku ba KO kuna da watanni a baya akan jinginar ku ko lamunin mota. Karkashin 11 U.S.C. 1322 (b) (5), Babi na 13 yana tilasta mai ba da lamuni na ku don karɓar maganin bashi na watanni 60, cire jinginar gida na biyu gabaɗaya a ƙarƙashin ruwa, kuma ya ƙaddamar da lamunin tsofaffin mota (11 U.S.C. 1325(a)(9)* Ya ƙi hayar kasuwanci mai tsada (capping diyya mai gida a ƙarƙashin 11 U.S.C. 502(b)(6)), ƙulla lamunin kayan aiki zuwa ƙimar kasuwa, kuma yana canza jinginar da ke da alaƙa kasuwanci (11 U.S.C. 1190(3)).

Mataki na 3: Yadda ake shigar da "Ƙoƙarin Ƙwaƙwalwa" na gaggawa a cikin ƙasa da awanni 2 don dakatar da gwanjo gobe

Lokacin da aka shirya gwanjon keɓewa don ** gobe da safe da karfe 10:00 na safe** ko kuma wani sheriff yana gab da saka kuɗin kuɗin ku a yau, Dokar Fatarar Tarayya 1007© ta ba da izini ga gaggawa **"Ƙorar Ƙaƙwalwar Ƙwaƙwalwar Ƙwaƙwalwar Ƙwaƙwalwar Ƙwaƙwalwar Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwaƙwalwa na Ƙadda ) na Ƙaddamarwa na Ƙaddamarwa . 362 Tsaya ta atomatik nan da nan bayan shigar da abubuwa guda 4 kawai ***, yayin ba ku ** kwanakin kalanda 14 ** don shigar da sauran jadawalin:

Jerin abubuwan dubawa: Abubuwa na tilas guda 4 da ake buƙata don shigar da kwarangwal na gaggawa a yau

Buga waɗannan fom akan daidaitattun 21.6 ta 27.9 santimita (8.5 ta 11 inch) takarda mai gefe guda ɗaya (kuma ku ajiye takardar ku mai hatimi a cikin hannun riga mai hana ruwa da aka adana aƙalla mita 1.5, ko ƙafa 5, sama da matakin bene):

  • 1. Ƙoƙarin Sa-kai don Ƙoƙarin Ƙarƙashin Mutum (Form Form 101, 8 pages): Ya lissafa sunanka na shari'a, adireshi, lambobi 4 na ƙarshe na lambar Social Security, da Babi na 7 ko Babi na 13).
  • 2. Bayanin Game da Lambobin Tsaron Jama'a (Form Form 121, shafi na 1): An ƙaddamar da shi a keɓe ga magatakardar kotu (a kiyaye bayanan jama'a) don haka masu lamuni za su iya daidaita ID na haraji.
  • 3. Takaddun Shaida na Ba da Shawarar Ba da Lamuni na Farko (shafi 1): An bayar ta hanyar imel PDF bayan kammala bayanin sa'o'i 1 akan layi daga wata hukuma da ta amince da Amincewar Amurka (justice.gov/ust). Karkashin 11 U.S.C. 109(h)(1), tambarin lokaci akan Takaddun Shawarar Kiredit ɗinku dole ne ya kasance KAFIN tambarin lokacin shigar da ƙarar fatarar ku.
  • 4. Matrix Mai Bayar da Lamuni (Tabbacin Matrix Creditor): A sarari-rubutu na ainihin suna da adireshin wasiku na kowane mai bi bashin da kuke bi (musamman ma'aikacin jinginar gida, kamfanin lauyoyin amintattu na ɓoyewa, mai ba da bashi, da hukumar haraji).
  • 5. Kudin shigar da Kotun (US $ 338 don Babi na 7 / 313 USD na Babi na 13) KO Aikace-aikacen Shiga (Form Form 103A) / Waiver Fee (Form Form 103B): Haɗa ** Official Form 103A** don shigar da $ 0 USD a yau** kuma ku biya har zuwa 4 installments, ko kuma idan Babi 3 na kuɗin shiga na hukuma yana ƙasa da kashi 150 na ƙa'idodin talauci na tarayya.

Da zarar an buga takardan kwarangwal ɗin ku a ranar 1, ** kuna da ƙayyadaddun ƙayyadaddun kalandar kwanaki 14 a ƙarƙashin Dokar Fatarar 1007©** don shigar da duk sauran jadawalin jadawalin (Jadawalin A/B ta hanyar J, Bayanin Harkokin Kuɗi, Gwajin Ma'ana, da Tsarin Babi na 13) ko shigar da Motion zuwa Tsawaita Ranar Kotu ta atomatik 15.

Mataki na 4: Wadanne basussuka ANA gogewa a cikin fatara da basussukan da ba za a iya cirewa ba.

  • ** Za'a iya Fitar kashi 100 (An Shafa a Babi na 7 da Babi na 13)**:
    • Ma'auni na katin kiredit, katunan kantin sayar da kayayyaki, da asusun "Saya Yanzu, Biya Daga baya".
    • Kuɗin likitanci, asibiti, haƙori, da kuɗin motar asibiti (ba tare da la'akari da adadin dala ba).
    • Lamuni na sirri, lamunin sa hannu, lamunin ranar biya, da ma'auni na gaba-gaba na app.
    • Matsalolin da suka rage bayan sake mallakar mota ko keɓewar gida.
    • Biyan kuɗaɗen amfani da suka gabata (lantarki, gas, ruwa, waya, intanit) da kuma fashewar hayar gida.
    • Tsaron Jama'a (SSDI/SSI) da rashin aikin yi na fa'ida fiye da biyan kuɗi (sai dai idan an tabbatar da zamba da gangan).
    • Tsofaffin harajin shiga na sirri wanda ya gamsar da duk abubuwan biyar na ** 3-2-240 Dokar Harajin Haraji ** (komawa aƙalla ** shekaru 3 da suka gabata **, wanda kuka gabatar aƙalla ** shekaru 2 da suka gabata ***, an kimanta aƙalla ** kwanaki 240 da suka gabata **, ba tare da zamba ba).
  • Ba za a iya cirewa ba (Ba za a iya goge shi ba a Babi na 7, Ko da yake ana iya sarrafa sama da watanni 60 a Babi na 13):
    • Wajibi na Tallafawa Gida (11 U.S.C. 523(a)(5)): Tallafin yara da alimomi ba za a taɓa sakin su ba.
    • ** Harajin Shiga na Kwanan nan da Duk "Asusun Amincewa" Harajin Biyan Kuɗi/Harajin Talla (11 U.S.C. 523(a)(1))**: Harajin shiga ƙasa da shekaru 3, shekarun harajin da ba a cika ba, da riƙe biyan kuɗin kasuwanci ko harajin tallace-tallace ba za a iya fitar da su ba a Babi na 7 (ko da yake Babi na 13 yana biyan haraji na gaba tare da 0% na watanni).
    • ** Ciwon Laifuka, Maidawa, da Hukunce-hukuncen Raunin Mutum na DUI (11 U.S.C. 523(a)(7) & (a)(9))**: Ba za a taɓa sakin ba.
    • ** Lamunin Dalibai (11 U.S.C. 523(a)(8))**: Ba za'a iya cirewa ba sai dai in kun shigar da Tsarin Gabatarwa yana tabbatar da "Wahalhalun da ba a biya ba" (wanda aka daidaita don lamunin tarayya ta hanyar DOJ/ED 15-page Attestation Loan).

Mataki na 5: Ƙimar fatarar ƙananan kasuwanci (Kare kadarorin sirri lokacin da LLC ko kamfani suka gaza)

Idan kun mallaki ƙananan kasuwancin da ke fafitika tare da kulle-kulle na haya na kasuwanci, ƙarar dillalai, gazawar lamunin SBA, ko ** Ci gaban Kuɗi na Kasuwanci (MCAs)**:

  1. ** Rarraba Haƙƙin Haƙƙin Kasuwanci Daga “Grantin Keɓaɓɓenku”: Kusan kowane mai gida na kasuwanci, mai ba da rancen SBA, mai bayar da katin kiredit na kasuwanci, da mai ba da lamuni na MCA yana buƙatar mai shi ya sanya hannu a ** Garanti na Sirri. Idan kun rufe LLC ɗin ku ba tare da magance garantin ku ba, waɗannan masu lamuni za su gurfanar da ku da kanku nan da nan.
  2. Idan Kasuwancin Yana Rufe Dindindin: Yi amfani da "Bashin Mai Amfani" Babi na 7 yana nufin Keɓewar Gwaji (11 U.S.C. 707(b)(1)): Tsananin Babi na 7 ** Gwajin Ma'anar ** KAWAI ga mutanen da basussukan su "basusan mabukaci ne"**. Idan ** sama da kashi 50 na jimlar kuɗin kuɗin ku na dalar Amurka ** ya ƙunshi ** Bashin Mabukaci *** (lamunin kasuwanci da ke da tabbacin, SBA EIDL/7(a) garantin, garantin hayar kasuwanci, MCAs, ko harajin kasuwanci), Kwanaki 90.
  3. Idan Kasuwancin Yana da Amfani kuma yana buƙatar Ci gaba da Aiki: Fayil Subbi na V Babi na 11: Shigar da Babi na V Ƙaramar Kasuwancin Sake Shiryawa (11 U.S.C. 1181-1195) nan da nan ya dakatar da share fage na bankin MCA na yau da kullun, yana fitar da asusun daskararre kamar yadda ** Ci gaba da Kuɗi, 1 ba da damar yin amfani da kuɗin da ba za a iya samu ba. ikon mallakar yayin biyan kuɗin shiga kasuwancin da za a iya zubar da shi sama da shekaru 3 zuwa 5.

Jagorar kasa da kasa: Burtaniya, Kanada, da Ostiraliya

  • A cikin Ƙasar Ingila (Sararin Numfashi, Umarnin Taimakon Bashi, IVAs, da Farar Fare):
    • ** Mataki na 1: Haɓaka Doka ta Kwanaki 60 nan take "Sararin Numfashi"**: Tuntuɓi wata ƙungiyar bayar da lamuni ta FCA kyauta (StepChange, Layin Bashi na Ƙasa, ko Shawarar Jama'a) don shigar da ƙa'idar 60-Ranar Numfashi Karkashin Tsarin Tsarin Mulki 2020, ko ** Space Crisis Crisis Breathing Space), tilasta tilastawa, ma'aikacin beli, riba, da kuma kudade na kwanaki 60.
    • ** Umarnin Taimakon Bashi (DRO: Kyauta ga Masu Haya Bashi har zuwa 50,000 GBP)**: A Ingila da Wales, idan ba ku mallaki gida ba, kuna da bashin ** 50,000 GBP ko ƙasa da hakan , kuna da manyan kadarori a ƙarƙashin 2,000 GBP (da mota mai daraja har zuwa ** 4,000 GBP a cikin wata guda), kuma kuna da rarar kuɗi GBP 4,000 a wata. ** 0 GBP fee DRO *** yana daskare basussuka na watanni 12 kuma yana share su 100%. Masu gida ko masu bin bashi masu girma na iya kwatanta wani ** Tsarin Sa-kai na Mutum (IVA) da ** Bankruptcy na Burtaniya* (kudin kan layi 680 GBP, fitarwa bayan watanni 12).
  • A Kanada (Shawarwari na Mabukaci vs. Fatarar Keɓaɓɓen Ta hanyar Amintaccen Rashin Lasisi):
    • Zamanin Ci gaba ta atomatik (BIA Sashe na 69): Ma'aikacin tarayya ne kawai aka tsara ** Amintaccen Insolvency (LIT)** (ised-isde.canada.ca, free initial consultation) can file a Consumer Proposal or Personal Bankruptcy, triggering an immediate nationwide Stay of Proceedings under Section 69 of the Bankruptcy and Insolvency Act that halts all wage garnishments (including CRA tax Requirements to Pay) and lawsuits.
    • ** Shawarwari na Abokin Ciniki na II (Har zuwa 250,000 CAD)**: Yana ba ku damar ** kiyaye kashi 100 na daidaiton gidan ku, motocin, da saka hannun jari na RRSP/TFSA* yayin daidaita bashin harajin da ba a tabbatar da shi ba da bashin haraji na CRA don wani yanki da aka yi shawarwari (sau da yawa 20 zuwa 35 bisa dari) wanda aka biya har zuwa 6.0%.
  • ** A Ostiraliya (Bayanin Kwanaki 21 na Niyya, Sashe na IX Yarjejeniyar Bashi, da Farar AFSA) ***:
    • Daskare Gaggawa na Kwanaki 21 Nan take (Sashe na 54A Dokar fatara 1966): Shigar da kyauta Kariyar Bashi na ɗan lokaci (TDP / Bayanin Niyya) akan layi tare da Hukumar Tsaro ta Kuɗi ta Australiya (AFSA) a afsa.gov.au don daskare tilasta bin bashin da ba a tabbatar da shi ba har tsawon kwanaki 21** yayin da yake magana tare da ** Layin Taimakon Bashi na Ƙasa kyauta (1800 007 007)** don kwatanta * Yarjejeniyar Bashi na Sashe na IX** da ** Farar Sa-kai** (shekaru 3 da kwana 1).

Tip

Idan kuna da lamunin mota ko asusun dubawa a Credit Union kuma kuna shirin shigar da Babi na 7 fatarar kuɗi don goge katin kiredit ko lamuni na sa hannu a wannan ƙungiyar bashi, ku kula da ƙa'idodin ƙungiyar ƙira guda biyu: (1) ** Daskarewar Gudanarwa akan Asusun Banki : Koyaushe matsar da asusun ajiyar ku da ajiya kai tsaye zuwa banki mai sabon bashi kungiyar ba za ta iya daskare asusun ajiyar ku ba a karkashin Citizens Bank v. Strumpf; da (2) Cross-Collateralization Clauses: Kwangilolin lamunin lamunin ƙirƙira yawanci suna bayyana cewa ** taken motarku yana tabbatar da kowane katin kiredit da lamuni na sirri a waccan ƙungiyar ƙirƙira*, ma'ana dole ne ku fanshi motar ko ku tube jinginar haɗin gwiwa a Babi na 13 don samun lakabi mai tsabta.

Tambayoyin da ake yawan yi

Will I lose my house, my car, my wedding ring, or my household furniture if I file for Chapter 7 or Chapter 13 Bankruptcy?

In **over 95 percent of personal consumer bankruptcy filings, the answer is NO: you keep every single item you own**. Bankruptcy law is designed to give you a productive fresh start, not leave you on the street. Under **11 U.S.C. 522**, every state (and the federal bankruptcy exemption system) provides generous **Property Exemptions** that protect your **Homestead Equity** (ranging from roughly 27,900 to 600,000+ USD depending on the state, or **unlimited 100 percent home equity** in states like Florida, Texas, Kansas, Iowa, and Oklahoma if owned for at least 1,215 days), your **Motor Vehicle Equity**, **100 percent of your 401(k)/IRA/Pension retirement accounts**, household goods, clothing, wedding rings, and tools of your trade. And if you happen to have home or asset equity that exceeds your state's Chapter 7 exemption limit, filing **Chapter 13** instead of Chapter 7 lets you **keep 100 percent of the property** by simply paying that non-exempt amount over 36 to 60 months.

How badly will bankruptcy ruin my credit score, and will I ever be able to rent an apartment or buy a house again?

If you are already facing foreclosure, wage garnishment, charge-offs, or collection lawsuits, your credit score is already severely damaged by accumulating 90-day late marks and high debt-to-income ratios. Paradoxically, for most distressed borrowers who file **Chapter 7**, their credit score actually **rebounds into the 620 to 680+ range within 12 to 24 months after discharge**, because filing bankruptcy instantly reduces their past-due balances and Debt-to-Income (DTI) ratio to **zero**, and they cannot file another Chapter 7 for 8 years. While a Chapter 7 filing stays on your credit report for **10 years** (and a completed Chapter 13 stays for **7 years** from filing), you do **not** have to wait 7 or 10 years to buy a house: under official **FHA, VA, and USDA mortgage underwriting rules**, you can qualify for a new home mortgage just **2 years (24 months) after a Chapter 7 discharge** (or after just **12 months of on-time payments inside an active Chapter 13 plan**), and conventional Fannie Mae/Freddie Mac mortgages after 4 years (2 years after Chapter 13 discharge).

Can my employer fire me or refuse to promote me if they find out I filed for personal bankruptcy?

**No**. Under **11 U.S.C. 525(a) and (b) ("Protection Against Discriminatory Treatment")**, both government employers and private-sector employers are **strictly prohibited by federal law from terminating your employment or discriminating against you with respect to employment** solely because you filed for bankruptcy or discharged a debt. Unless your wages are currently being garnished (in which case you want your payroll department to get the bankruptcy notice so they stop the garnishment and give you your full paycheck back) or you file Chapter 13 with a payroll deduction order, **your employer is never notified of a Chapter 7 bankruptcy filing**.

What is the "341 Meeting of Creditors," and will angry bankers show up to yell at me in a courtroom?

Every bankruptcy filer must attend a mandatory 5-to-10-minute administrative interview called the **Section 341 Meeting of Creditors** held roughly 30 to 40 days after filing. Despite the intimidating name, **100 percent of Section 341 meetings across the United States are now conducted remotely over Zoom video**, **no judge is present** (federal law at 11 U.S.C. 341(c) actually prohibits the bankruptcy judge from attending), and **in 99 percent of consumer cases, zero creditors ever show up**. Instead, the meeting is a routine 5-minute oath check conducted by the Chapter 7 or Chapter 13 Trustee, who verifies your photo ID and Social Security card and asks 6 to 8 standard yes-or-no questions confirming that your schedules are accurate and truthful.

If I am married, does my spouse have to file for bankruptcy with me?

**No**. Under federal law, a married person has the absolute right to file an **Individual Bankruptcy (Chapter 7 or Chapter 13) alone** without their spouse joining the petition. If all the defaulted credit cards, medical bills, business guarantees, or lawsuits are solely in **your** individual name (not joint accounts), filing individually wipes out 100 percent of your debts while leaving your non-filing spouse's credit report and credit score **100 percent untouched**. (Note: Even when only one spouse files, you must still include the non-filing spouse's income on the household Means Test form unless you are legally separated or living apart, though you get to take a **"Marital Adjustment Deduction"** on Form 122A-2/122C-2 to subtract everything the non-filing spouse spends on their own separate debts, car payment, student loans, and individual expenses).

What if I cannot afford 1,500 to 3,500 USD upfront to hire a bankruptcy attorney during an emergency?

You have three legitimate options: 1. **File Chapter 13 With Little or Zero Attorney Fee Down**: In **Chapter 13 bankruptcy** (used to stop a foreclosure, car repossession, or wage garnishment), most consumer bankruptcy attorneys allow you to file the case with **0 to 500 USD down** (just the 313 USD court filing fee and credit counseling certificate) and roll the remaining attorney fee into your monthly 36-zuwa-60-wata Babi na 13 shirin biyan kuɗi. 2. **Yi amfani da Kayan aikin Sa-kai na Ƙasa Kyauta `Upsolve.org` ko Taimakon Shari'a don Babi na 7 ***: Idan kuna da madaidaiciyar "ba-kadara" **Babi na 7** shari'ar kuma ba za ku iya ba da lauya ba, bincika **Legal Aid Society** (ko ** Pro Bono Bar Association Bankruptcy Clinic **) farko, ko amfani da **`Upsolve.org`**, 501(c)(3) wata kungiya mai zaman kanta da aka amince da ita ta hanyar doka wacce Hukumar Kula da Ayyukan Shari'a ta ba da tallafi ga mutane masu karamin karfi ta hanyar shirya cikakkun fom na Babi na 7 **100% kyauta**. 3. **Kada ku taɓa biyan "Mai Shirya Ƙoƙarin Bayar da Lasisi" (BPP / Sabis na Buga) mara lasisi fiye da ƙaƙƙarfan iyakar shari'a na doka ***: Karkashin **11 U.S.C. 110**, masu shirya koke na ba lauya doka ta haramta su daga zabar keɓancewa ko ba da shawara ta doka kuma kotunan tarayya sun keɓe su a kuɗin bugu na ƙima (sau da yawa 100 zuwa 200 USD).

An duba tushe

  • Kotunan Amurka & Ofishin Gudanarwa na Kotunan Amurka (Amurka): * Take na 11 na Lambar Amurka (Lambar bankruptcy: 11 U.S.C. 362 Tsaya ta atomatik da Dokokin Maimaita-Filer, 11 U.S.C. 366 Utility Service Protection, 11 U.S.C.. 1. U.S.C Karamin Babi V Sake Tsara Ayyuka, da 11 U.S.C
  • Ofishin Zartarwar Ma'aikatar Shari'a ta Amurka don Amintattun Amurkawa (USTP, Amurka): Ayyukan Ba ​​da Shawarwari na Ƙididdigar Ƙididdigar Ƙididdigar Ƙarƙashin Ƙarƙashin 11 U.S.C. 109(h), Kudin shiga na Iyali na Matsakaici na Jiha da IRS na nufin Teburan Gwaji, da Lamuni na Dalibi wanda ba shi da ma'ana mai wahala.
  • Sabis na Rashin Sabis & GOV.UK (United Kingdom): * Tsarin Bashi Bashi (Numfashi Tsayawa Tsakanin Hulɗa da Matsalolin Kiwon Lafiyar Hankali) Dokokin 2020, Dokar Bayar da Bashi 1986 (Odadin Taimakon Bashi [50,000 GBP Cap & 0 GBP Fee), da Ƙarfin Kuɗi a cikin Mutum Bayarda (Scotland) Jagorar*.
  • Ofishin Sufeto na Farar Kuɗi (OSB, Kanada): * Dokar Bayar da Bayar da Kuɗi da Rarraba (BIA Sashe na 69 Tsayawa Tsayawa ta atomatik, Shawarwari na Abokin Ciniki na II har zuwa 250,000 CAD, da Ka'idodin Kuɗin Kuɗi na Farar Kai)*.
  • Hukumar Tsaron Kuɗi ta Australiya (AFSA, Ostiraliya): Dokar fatarar fatara ta 1966 (Sashe na 54A Kariyar Bashi na Kwanaki 21/Bayyana Niyya, Sashe na IX Yarjejeniyar Bashi, da Dokokin Fatarar Mutum na Sa-kai).

Jagora masu alaƙa