Koontada Bankiga Wadajirka ah ee uu miiray lamaanaha ama loo qurxiyay deynta la wadaaga: Raadinta lacago kala duwan¶

Ogaanshaha in xisaab hubin wadajir ah ama koontada kaydka ah ay si lama filaan ah hoos ugu dhacday $0.00, sababtoo ah lamaanaha kala tagaya ama lammaanaha qoyska ayaa si qarsoodi ah u xidhay hadhaaga oo dhan habeenimo ka hor furriinka, ama sababtoo ah dayn-qaade, deyn ururiye, ama wakaalada cashuuraha waxay u adeegeen ** Cashuur Xisaabeedka Bangiga (Qoritaanka Garnishment), waalid waayeel ah, ilmo qaan-gaar ah, ama qof ay wada deggan yihiin oo keliya oo magaciisu yahay mid ku habboon xisaabta waxay kaa dhigaysaa inaad awoodi waydo inaad iska bixiso kirada guriga, mortgage, ama raashinka. Sida waafaqsan heerka Heshiiska Akoonka Deposit ee bangi kasta oo ganacsi iyo midawga deymaha, qof kasta oo ku qoran mulkiilaha wadaaga ahi waxa uu xaq u leeyahay baanka in uu la baxo 100 boqolkiiba hadhaaga iyada oo aan la saxeexin mulkiilaha kale. Si kastaba ha ahaatee, xeerka adeegga macmiilka ee bangiga ma go'aamiyo cidda si sharci ah u leh lacagta marka loo eego sharciyada hantida dawladda iyo deymaha. Sida waafaqsan ** Xeerka Probate Uniform (UPC Article VI - Net Contribution Rule, gobolka Qaybta loo siman yahay/qeybsiga hantida beesha, iyo nidaamka ** Sheegashada Dhinac Saddexaad ee Ka-dhaafitaanka, haystaha koontada wadajirka ah oo kaliya ayaa si sharci ah u leh saamiga saxda ah ee koontada ay shakhsi ahaan u shubteen (their net contribution), iyo lamaanaha kala tagaya ee nadiifiya xisaabaadka guurka waxa ay ku kacayaan ficil ** baabi'inta hantida guurka*. Haddii akoonkaaga wadaagga ah uu hadda ka baxay lammaane ama uu qaboojiyey dayn-bixiyaha la-wadaagaha, ku dhaqan 24-ka saacadood ee ugu horreeya, hubi degaankaaga nambarada degdega ah iyo agabka is-caawinta maxkamadda, oo dib u eeg annaga cashuurta akoontiga bangiga iyo hagaha sii deynta lacagaha laga dhaafo, annaga ku xad-gudubka dhaqaale iyo hagaha dhiig-miirashada, iyo annaga Cosigner default iyo hagaha daynta wadajirka ah.

Sida laga soo xigtay Xafiiska Ilaalinta Maaliyadeed ee Macmiilka (CFPB), Guddiga Sharciga Lebbiska, iyo horudhaca qoyska iyo maxkamada rafcaanka ee Waqooyiga Ameerika, malaayiin macaamiil ah ayaa iyaga oo aan ogayn u abuuraya bambaanooyin waqti sharci ah iyaga oo ku dara ilmo qaangaar ah koontada Bangiga Bulshada ee waalidka waalidka si uu uga caawiyo bixinta biilasha, ama ku daro lammaane cusub ama arday kuleej ah akoon hubinta aasaasiga ah. Marka iibsadaha deynta-kaarka deynta uu helo xukun aan caadi ahayn oo ka dhan ah canugga qaangaarka ah ama qolla deggan, deyn-bixiyuhu wuxuu si otomaatig ah u bixiyaa software-ka-bangigu wuxuu baaraa Lambarka Bulshada iyo ** wuxuu xayiraa 100 boqolkiiba akoon kasta oo wadajir ah oo sita magaca qofkaas, xitaa haddii deyn-bixiyuhu uusan waligiis hal dinaar gelin koontada . Ogaanshaha sida loo fayl-gareeyo ** Mulkiilaha La-Dhinaclaha ah ee qolo saddexaad sheeganayso ka-dhaafitaan ("Source-of-Funds Tracing Affidavit") gudaha 10-ilaa-15-maalmood daaqadda cashuurta ee adag, sida loogu yeedho 2-bilood oo toos ah ilaalinta dib-u-fiirinta federaalka (31 CFR Part 212 ee Lambarka Bulshada iyo dheefaha VA, iyo sida loo helo maxkamadda qoyska ee degdega ah ** Amarka Xayiraadda Ku Meel Gaarka ahATRO/ Amarka Xisaabinta iyo Dib-u-celinta* ee ka dhanka ah lamaanaha soo weeraray akoon wadajir ah ayaa ilaalinaya maciishadaada.

Hadda samee tan¶

1. ** Ka fur koontada jeegaynta "keliga ah" ee cusub bangi gabi ahaanba ka duwan maanta oo dib u habayso jeegaga mushaharka iyo dhigaalka tooska ah. Ha ka furin akoonkaaga cusub isla bangiga. Gal bangi ama ururka deymaha ee aan la xidhiidhin maanta, ku fur akoon shakhsi ah oo magacaaga keligii ah, oo cusboonaysii deebaajigaaga tooska ah marinka mushaharka ee loo-shaqeeyahaaga (ADP, Workday, Gustoama Maamulka Lambarka Bulshada (ssa.gov/myaccount ama 1-800-772-1213).
2. **Soo deji 12 ilaa 24 bilood ee u dambeeya ee qoraalada bangiga iyo taariikhda wax kala iibsiga ee PDF ka hor inta aan la jarin galitaankaaga internetka Isla markiiba soo deji oo kaydi qoraal kasta oo PDF ah, xaqiijinta xawilaadda siliga, lambarka wareejinta ACH, iyo buugga kaydka tooska ah ee la soo dhaafay 12 ilaa 24 bilood. Odhaahyadaasi waa caddaynta dhabta ah ee saxda ah ee aad u baahan tahay si aad u tusiso xaakimka halka ay xaaskaaga/saygaaga u soo rartay lacagta, ama in 100 boqolkiiba dhigaalka akoontiga la xardhay ay ka yimi jeegaga mushaharka ama Badbaadada Bulshada, ee ma aha kan dayn-ilaaliyeha.
3. Haddii akoonka uu barafeeyay dayn-bixiyuhu daynta la-wadaagaha: wac Waaxda Amarka Sharciga ah ee Baanka maanta si aad u heshid Lambarka Kiiska, Magaca Maxkamadda, iyo lambarka taleefoonka Qareenka Amaahiyaha. Weydii nambarka taleefoonka xarunta dhexe ee bangiga ** Habka Nidaaminta Amarka Sharci / Dacwad Dacwada iyo Cutubka Levy , oo qor afar xaqiiqo oo muhiim ah: (1) Maxkamadda saxda ah iyo Lambarka Kiiska ee xukunka, (2) ** mulkiilaha la wadaaga ah ee lagu magacaabo Deynta Xukunka, (3) ** taariikhda saxda ah ee Qoraalka iyo wareejinta bangiga* kama dambaysta ah** (sida caadiga ah 10, 14, 15, ama 21 maalmood laga bilaabo adeegga) ka hor inta uusan bangigu u dirin lacagta la qaboojiyey shariifka ama dayn bixiyaha.
4. Maxkamada iyo Sheriff ku xareeyaan "dacwad lahaanshaha lahaanshaha ee aan dayn lahayn" oo la xaqiijiyay" Maxkamada iyo Sheriff KA HOR 10-ilaa-15-maalin saacada wareejintu waxay dhacaysaa. laakin mala-awaalkaas 100% waa la diidi karaa iyadoo la raadinayo dhigaalka. Gudaha daaqadda sharciga ah ee ku daabacan Ogeysiiska Canshuurta, ku xareyso dhaarinta ** Sheegashada Ka-dhaafitaanka / Sheegashada Dhinac Saddexaad adigoo ku lifaaqaya 3 ilaa 6 bilood ee u dambeeya ee bayaannada bangiga iyo lacag-bixinnada lacag-bixin kasta oo la iftiimiyay, taasoo caddaynaysa in 0 boqolkiiba maaliyadda uu ka qayb-qaatay mulkiilaha wada-lahaynta ah.
5. Haddii akoonka uu miiray xaas ama lammaane kala tagay: u xarayso Maxkamad Qoyska degdega ah Xisaabinta, Joojinta, iyo Amarka Taageerada Ku Meel Gaarka ah. Sida ku cad xeerka qoyska ee dawlad kasta oo Maraykan ah, si keli ah u daadinta akoon wadajir ah ka hor ama inta lagu jiro kala-tagga waxaa garsoorayaasha furriin ula dhaqmaan sida ** Qashinka Guurka / Jebinta Fiduciary Jebinta / Ka Hortagga Qashinka**. Soo gudbinta Codsiga Burinta ama Kala-tagga waxa kiciya Amarka Xayiraadda Ku Meel Gaarka ahATROs) oo u ogolaato qareenkaaga inuu ka codsado garsooraha Amarka degdega ah ee soo celinta lacagaha si loo bixiyo biilasha guriga, ama Lacagta-Dollar-ka-baxsan-Dollar-ka-baxsan ka jaraya 100 boqolkiiba lacagta caddaanka ah ee la qaatay saamiga lammaanaha ee sinnaanta guriga ama xisaabaadka hawlgabka.
6. Jooji qoraalada biilka-bixinta tooska ah (ACH debitsAkoonka wadajirka ah ee faaruqiyay ama la xayiray maanta si looga hortago in la shubo $35 NSF/ Kharashka Bixinta Soo Celinta. Marka koontada la xayiro canshuur bangi ama xaaska ay eber ka bixiso, tasiilaad hore loo fasaxay, amaah baabuur, amaahda amaahda, iyo kaararka deynta auto-bixinta ayaa midba midka kale kor u qaadaya, taasoo kicinaysa $35 oo dib u celin ah. Gal websaydka biil kasta oo ka tirtir marinka koontada wadajirka ah iyo lambarka koontada si toos ah lacag bixinta.

Geedka go'aanka: Kala soocida degdega ah ee xisaab bangi wadajir ah oo la shubay ama deyn-bixiyuhu¶

Isticmaal geedkan go'aanka sharciga ah ee laba-track ah iyadoo ku xiran haddii koontadaada wadajirka ah uu faaruqiyay qofka kale ee koontada haysta ama uu qaboojiyay dayn-bixiyaha dhinac saddexaad.

flowchart TD
    Start["Koontada Bankiga Wadajirka ah ayaa si lama filaan ah u muujisa $0.00 AMA 'Lacagta Sharciga ah"] --> CauseCheck{"1. Yaa qaatay ama xayiray lacagtii ku jirtay akoonnada wadajirka ah?"}

    CauseCheck -->|"RAAC A: Kala soocida xaaska, lammaanaha, ama la-milkiilaha ayaa la laabtay/la baxay lacagaha"| SpouseTrack["XISAABTA LAGU QAADANAYO LAMAANAHA/LA-LULKIILAHA: 1. Ka fur xisaab bangi cusub oo keli ah mulkiilaha bangi kale maanta oo beddel deebaajiga tooska ah ee mushaharka 2. Soo deji 12-24 bilood ee u dambeeyay bayaanada bangiga PDF & diiwaannada xawilaadda siliga/ACH"]

    SpouseTrack --> RelationshipType{"2A. Si sharci ah ma u guursatay (ama furriin/kala tag) u xeraysan tahay?"}

    RelationshipType -->|"HAA: Xaas la guursaday / la furay"| FamilyCourt["DAAWO MAXKAMADDA QOYSKA EE QOYSKA: - Xaraynta Codsiga Furriinka/ Kala-tagga si loo kiciyo Awaamiirta Xayiraadda Ku-meel-gaadhka ah ee Toos ah (ATROs) - Soo-jeedinta Taageerada Ku-meel-gaadhka ah, Xisaabinta, & Soo Celinta degdegga ah ee 50%+ ee Sanduuqa Qoyska - Sheegashada Doollar-Dollar-Dollar (ka-noqoshada saamiga guriga ee ugu dambeeya) 401"]

    RelationshipType -->|"MAYA: Lamaane aan is qabin, saaxiib, ama qaraabo"| CivilConversion["Lahaanshaha 'QAARAAN SHABAQA' OO AAN LA UURSANAYN: - Sida waafaqsan Xeerka Probate Uniform § 6-211, lacagaha akoontiga wadajirka ah inta ay nool yihiin waxaa iska leh qolo kasta marka loo eego tabarucaadkooda NET"]

    CauseCheck -->|"RAAC B: Deyn-bixiyuhu, Deynta Iibsadaha, ama Wakaalada Cashuuraha waxay xayirtay Koontada Deynta la-haanshaha"| CreditorTrack["CASHUURTA CASHUURTA/MAARINTA LAGU GELIYO: 1. Wac Qaybta Amarka Sharciga ah ee Bangiga: hel Magaca Maxkamadda, Dacwadda #, Magaca Deynta, iyo Taariikhda wareejinta 2. Ka fur akoon cusub oo mulkiilaha KALIGA AH bangi kala duwan si aad mustaqbalka dhigato"]

    CreditorTrack --> TraceFunds["2B. XEEL AAN DEYN AHAYN 'XISBKA SADEXAAD EE CODKA KA dhaafitaanka' (10-15 MAALMOOD gudahood) Deyn-Dayn-laawe) - Nuqul fakis ah oo loo diro qareenka dayn-bixiyaha oo dalbanaya Siidaynta Cashuur Iskaa Wax u qabso ah oo degdeg ah"]

Lasoco A vs. Track B: Sida sharcigu ula dhaqmo ka bixista lahaanshaha iyo cashuur bixiyaha la wadaaga mulkiilaha¶

Si aad si dhakhso leh ugu guulaysato lacagtaada, waa inaad fahantaa qaanuunka aasaasiga ah ee American, Canadian, UK, iyo Commonwealth sharciga bangiyada: ** "Xeerka Lahaanshaha Laba-Tier" (Uniform Probate Code Article VI, §§ 6-201 ilaa 6-227)**.

• Tier 1 (Heshiiska Ilaalinta Baanka): Inta u dhaxaysa adiga iyo bangiga, midkiiba mulkiilaha wadaaga ahi waxa uu saxeexi karaa xaashida bixitaanka 100% xisaabta, adiguna **ma dacwayn kartid bangiga
• Tier 2 (Lahaanshaha Dhabta ah ee Faa'iidada u Dhaxeeya Dhinacyada & Amaah bixiyayaasha): Inta u dhaxaysa adiga, la-milkiilaha, iyo dayn bixiye kasta oo dhinac saddexaad ah, ** koontada bangi ee wadajirka ah waxa iska leh inta ay nool yihiin dhinacyada qof walba si sax ah "Tabarruca saafiga ah" ee wadarta deebaajiga (UPC § 6-211(b)***, haddi aan la helin daliil cad oo lagu qanci karo oo hadyad ah oo aan laga noqon karin.

Raad-raac B Deep Dive: Sida loo furfuro xisaab bangi wadajir ah oo loo qurxiyey daynta la-milkiilaha ( Habka "Source-of-Funds Baafin" Habka)¶

Marka qareenka dayn ururiyaha u adeego cashuurta bangi ee bangiga ganacsiga ama ururka deymaha si ay u ururiyaan xukun ka dhan ah Qofka B (ilmahaaga qaangaarka ah, waalidka da'da ah, saaxiibkiis, ama xaaskaada deynta goonida ah ee guurka ka hor), qareenka dayn-bixiyuhu ma haysto wax fikrad ah ** kaas oo jeeggiisu dhab ahaantii ku jiro xisaabtaas. Bangigu wuxuu si fudud u soo tebiyaa: "Waxaan ku haynaa $8,400 akoon wadajir ah oo cinwaan looga dhigay magaca Qofka A iyo Qofka B."

Waa kan habka saxda ah ee 3-talaabo ee sharciga ah si loo caddeeyo in lacagtu ay tahay adiga (Person A's) oo ku qas dayn-bixiyuhu ama garsooraha inuu sii daayo 100 boqolkiiba lacagahaaga:

Talaabada 1: Dhis "Miiska Baafinta Debaajiga" (90 ilaa 180 Maalmood ee U Danbeeyay ee Bayaanada)¶

Daabac 3 ilaa 6 bilood ee u dambeeya ee bayaanada bangiga bilaha ah ilaa taariikhda la xayiray. Muuji deebaaji kasta (payroll direct deposit, mobile check deposit, Social Security payment) muddadaas. Samee xaashida daboolka koobitaanka ee 1 bog ka kooban xagga sare ee xirmadaada maxkamadda: - ** Isku-darka dheelitirka waa la qaboojiyey [Date]: $8,420.00 - ** Debaajiga uu leeyahay mulkiilaha aan deyn lahayn ([Your Name]) in ka badan 90 maalmood ee la soo dhaafay ***: $11,200.00 (100% of all deposits, oo ka kooban mushaharka labadii toddobaadba mar laga bilaabo [Employer Name]) - ** Debaajiga uu bixiyo Deynta Xukunka ([Co-Owner's Name]) 90-kii maalmood ee la soo dhaafay ***: $0.00 (0.0% of all deposits) - *Gabagabo Sharci ***: Sida hoos timaada Xeerka Probate Uniform-ka ee Gobolka/Xeerka Xisaabaadka Xisbiyada Badan, Lacag-Bixiyaha Saafiga ah ee Daynta Xukunka iyo dulsaarka siman ee koontadaaa $0.00**.

Talaabada 2: Fayl gareeya Maxkamada Rasmiga ah " Sheegashada Ka-dhaafitaanka / Dacwadda Dhinac Saddexaad" Inta lagu jiro wakhtiga kama dambaysta ah ee sharciga¶

Gobol kastaa wuxuu bixiyaa foom maxkamadeed oo kooban oo degdeg ah mulkiilaha aan deynta lahayn si uu u dalbado lacagaha bangiga la xayiray: - California: File Foom EJ-160 ( Sheegashada Ka-dhaafitaanka)** iyo Foom EJ-165 (Bayaan Maaliyadeed), ama ** Sheegashada Lahaanshaha dhinac saddexaad (CCP § 720.110, oo leh sarkaalka cashuur-qaadista (County Sheriff) 15 maalmood gudahood kadib Ogeysiiska Levy-ga la soo diray (10 days haddii qof ahaan loogu adeego). - New York: Sida hoos timaada CPLR § 5222-a & § 5239, soo celi Foomka Sheegashada Ka-dhaafitaanka0 maalmood gudahoodaama fayl garee dacwad gaar ah oo tusinaysa kirayste aan dayn lahayn (ama saxeexe fududaynta ee hoos timaada Y Banking Law § 678**), lacagaha aad iska leedahay oo keliya. - ** Texas ***: Gudbi ** Mooshin lagu baabi'inayo qoraalka qurxinta / faragelinta qolo saddexaad ** ee hoos timaada ** Texas Estates Code § 113.102 ** ("Inta lagu jiro inta ay nool yihiin dhammaan dhinacyada koontada wadajirka ah, koontada waxaa iska leh dhinacyada iyada oo loo eego tabaraadka saafiga ah ee qolo kasta ku bixiso lacagta deebaajiga"). - Florida: Diiangel** Sheegashada Ka-dhaafitaanka iyo Codsiga DhegeysigaFla. Stat. § 77.041** iyo **Affidavit-ka aanshaha Akoonka Wadajirka ah ee Aan Deyn-Dayn-laha ahayn (Fla. Stat. § 77.07 / § 655.79*** 20 maalmood gudahood ka dib marka la helo Ogeysiiska qurxinta.

Talaabada 3: Fakis oo iimayl toos ah ugu dir Xidhmadaada Baafinta Qareenka Aruurinta Amaahiyaha Maanta¶

Shirkadaha sharciga ururintu way iska ilaaliyaan inay tagaan dhegaysi maxkamadeed marka ay ogaadaan inay luminayaan, iyo gobollo badan, dayn-bixiyuhu diido inuu sii daayo cashuurta ka dib markuu helo caddaynta in dhaqaalaha uu leeyahay qof aan deyn lahayn ama laga dhaafay Sanduuqa Lambarka Bulshada waxaa lagu ganaaxi karaa ** lifaaq khaldan . - Isla maalinta aad ka xarayso Dacwadda Ka-dhaafitaanka Sheriff ama Maxkamadda, ** wac, iimayl, iyo fakis qoraalladaada bangi ee la iftiimiyay iyo kharajka lacag bixinta si toos ah Qareenka Ururinta ku taxan Qoraalka Garnishka. - Dawlad si xushmad leh: *"Anigu waxaan ahay mulkiilaha koontada aan deynta lagu lahayn. Waxa ku lifaaqan 4-tii bilood ee ugu dambeysay ee bayaanada bangiga oo cadeynaya 100% dhigaalku inay ka yimaadeen jeegagga mushaharka shaqabixiyaha iyo $0.00 waxay ka timid dayn bixiyaha. Waxaan maanta dacwad rasmi ah ka gudbiyay Sheriff. Inta badan kiisaska baafinta cad, qareenka dayn ururintu wuxuu fakis ugu diri doonaa bangiga gudaha 24 ilaa 72 saacadood.

Raad quusto qotodheer: Waxa la sameeyo marka lamaanaha kala maqan ama lammaanaha kala maqan ay daadiyaan akoontiga wadajirka ah¶

Marka guurka ama shuraakowga muddada-dheer burburo, hal lammaane ayaa inta badan argagaxa oo u gudbiya ** 50 boqolkiiba 100 ee hubinta wadajirka ah iyo dheelitirka kaydka ** akoon shakhsiyeed sir ah maalin ka hor inta aan la guurin.

1. Waa maxay sababta "Qofkii Bankiga gala marka hore lacagta uu haysto" waa khuraafaad sharci ah oo dhamaystiran.¶

Lamaanayaal badan ayaa u maleynaya in sababta oo ah bixiyaha bangigu uu u oggolaado inay ka soo baxaan $ 60,000 koontada kaydka wadajirka ah, waxay helayaan $ 60,000 ee furiinka. ** Gobol kasta oo Maraykan ah, gobolka Kanada, maxkamadda qoyska UK, iyo maxkamadda qoyska Australia, taasi waa 100 boqolkiiba been.** - Gudaha ** Dawladaha Hantida Bulshada** (California, Texas, Arizona, Nevada, Washington, Idaho, Louisiana, New Mexico, Wisconsin) iyo Dawladaha Qaybinta Sinnaanta leh (all other 41 states), taariikhda lamaanaha ay faarujiyaan akoon wadajir ah iyadoo la filayo inay kala tagaan waxaa lagu qabtay ** Sawirka Hantida Guurka ***. - Doollar kasta oo xaaskaaga/saygaaga ay kala baxdo in ka badan saamigooda la oggolaaday waxaa si sharci ah loo kala saaraa sida "Qaybinta Hore ee Hantida Guurka" ama "Dhaqdhaqaaqa Hantida Guurka."

2. 3da ah ee maxkamada qoyska aad si degdeg ah u dalban karto¶

1. ** Gurmad Pendente Lite (ku-meel-gaar ah) Soo jeedinta Soo celinta Lacagaha Qoyska**:
2. Haddii saygaaga/xaaskaaga ay faarujiyeen xisaabta hubinta wadajirka ah 28-kii bisha, oo ay kuugu dhaafaan $0 si aad u bixiso amaahda, xannaanada, adeegyada ama cuntada 1-aad, Garsooraha Maxkamadda Qoyska wuxuu maqli karaa mooshin degdeg ah oo lagu amrayo lamaanahaaga dareeraha ah inuu ** isla markiiba u soo celiyo 50% ilaa 100% ee dheelitirka qoyska shaqada oo aad bixiso qareenkaaga.
3. **Amarka Xayiraadda Ku Meel Gaarka ahATROs) & Ogeysiisyada Joojinta Bangiga ***:
4. Soo xeraynta iyo u gudbinta Wicitaanka Furiinka waxa ay dhigaysaa amar maxkamadeed Amarka Xayiraadda Maaliyadeed ee tooska ah ka mamnuucaysa labada lamaane midkood inuu wareejiyo, qariyo, ama kala diro xisaabaha kale, 401(k)s, ama khadadka credit.
5. Marka loo eego qawaaniinta gobolka (sida ** Xeerka Qoyska California § 1100** ama ** New York Law Relations Law § 236**), waxaad u diri kartaa qoraal ** Ogeysiiska Dacwadda Xun/Kala noqoshada Hay'adda Saxiixa Keliya** si aad uga baahato Labada saxiix wixii lacag bixin ah mustaqbalka ama aad xirto akoonnada wadajirka ah ee la shubay.
6. ** "Dollar-for-Dollar Offset" (ama California Rossi 100% Ganaax)**:
7. Xitaa haddii saygaaga/xaaskaaga uu horay u qaatay $40,000 oo ay ka qaateen koontada wadajirka ah, maxkamadda furriinka ayaa si fudud ** ka jaraysa $40,000 oo toos ah xaaskaaga nuskeeda sinnaanta guriga ama xisaabta hawlgabka** inta lagu jiro heshiiska kama dambaysta ah, iyo gobolada sida California (Family Code § 1101(g)-(h)), xaaska ku xad gudubta waajibaadka ammaanada isagoo si ula kac ah u qarinaya lacagaha beesha waxaa lagu ciqaabi karaa 50% ilaa 100% qiimaha hantida oo lagu daray khidmadaha qareenka.

3. Kawaran Haddi Aadan Isqabin Milkiilaha Akoonka Daadiyay? (Lamaane, Isdoon, Saaxiib, ama Walaal)¶

Haddii lammaane aan guursanayn, xaaskii hore, ama xubin qoyska ka mid ah ay daadiyaan akoon wadajir ah oo ** adiga *** ku shubtay jeegaga mushaharka ama kaydka: - Waxa ku ilaalinaya sharciga madaniga ah ee gobolka ee hoos yimaada Uniform Probate Code Net Contribution Rule (UPC § 6-211). - Hoosta UPC § 6-211, ku darida magaca lamaanaha aan guursan akoon bangi wadajir ah **kuma wareejinayo lahaanshaha lacagtaada inta aad nooshahay *. Xisbi kastaa wuxuu haystaa oo keliya qaddarka saxda ah ee doollarka ah ee uu ku darsaday oo laga jaray wixii uu ku baxay. - Tallaabo Degdeg ah: U dir warqad rasmi ah oo qoran ** Warqad Codsiga Beddelka Rayidka ah adigoo u sii marinaya warqad shahaadeysan oo siinaya 5 maalmood oo shaqo si ay ugu soo celiyaan wax ku biirintaada saafiga ah, haddii ay diidaana, ka xareyso cabasho Maxkamadda Sheegashada Yar ama Maxkamadda Degmada Madaniga ah ee loogu talagalay ** Beddelka, Jebinta Damiinashada, Ku-Xiriirinta Lacag-La'aantaada.

Lambarada degdega ah ee gobolka iyo borotokoolka wakaalada¶

Ka-dhaafitaanka xisaabaadka wadajirka ah, amarada xannibaadda hantida guurka, iyo hababka dhexdhexaadiyaha bangiyada waxay ku shaqeeyaan qaab-dhismeed qaran oo gaar ah:

• Mareykanka:
• ** Ilaalinta Faa'iidooyinka Tooska ah ee Federaalka (31 CFR Part 212*: Mar kasta oo koontada wadajirka ah ay hesho ** Security Social, SSI, VA, Fedaraalka Tareenka Retirement, ama Hawlgabka Adeegga Rayidka ee Federaalka iyada oo loo marayo deebaaji toos ah, bangiga waxaa looga baahan yahay sharciga federaalku inuu si toos ah u ilaaliyo **2 bilood oo buuxa oo dhigaal ah oo faa'iido ah *** laga qaado canshuur kasta oo dayn-bixiyuhu leeyahay, xitaa haddii cashuurtu ka soo horjeedo mulkiilaha kale.
• Cabashooyinka Maamule & Gargaarka Sharciga: Haddii bangigu si sharci darro ah u xayiro manfacyada federaalka ama uu diido in uu ka shaqeeyo siideynta canshuuraha ansaxa ah, u gudbi cabasho degdeg ah ** Xafiiska Ilaalinta Maaliyadda Macmiilka (CFPB)** at consumerfinance.gov/complaint (1-855-411-2372) ama Xafiiska Maamulaha Lacagta (OCC). Ka hel matalaad dakhli hoose oo bilaash ah LawHelp.org.
• Kanada:
• ** Xeerarka Qurxinta Koontada Wadajirka ah (Notice of Garnishment***: Guud ahaan gobolada sharciga wadaagga ah, milkiileyaasha aan deymaha ku lahayn waxay ku tartami karaan wax-soo-saarka ** Dhageysiga Garnishment *** iyagoo caddaynaya lahaanshaha kaliya ee loo siman yahay (Resulting Trust iyadoo la raacayo xukunka Maxkamadda Sare ee Kanada ee Pecore v. Pecore, 2007 SCC 17).
• **Barafka Guurka ***: La xidhiidh Xarunta Macluumaadka Sharciga Qoyska ee Gobolka (FLIC) si aad u hesho degdeg ah ** Amarka Xakamaynta / Ilaalinta *** haddii lammaanuhu uu dhammeeyo hantida qoyska.
• ** Boqortooyada Ingiriiska ***:
• ** Amarka Deynta Dhinac saddexaadCPR Part 72Ma ku soo lifaaqi karo Xisaabaadka Wadajirka ah ee deynta Mulkiilaha *: Sida hoos timaada Ingiriisi iyo Xeerarka Habka Madaniga ah ee Welsh (CPR Part 72) iyo horudhaca House of Lords (Hirschhorn v Evans), dayn bixiyaha xukunka ** ma isticmaali karo Amarka Deynta Dhinac Saddexaad si uu u xayiro ama ula wareego akoon bangi oo wadajir ah *** haddii mid ka mid ah xisaabaadka wadajirka ah uu ku leeyahay deynta xukunka. Haddii bangi uu si khalad ah u xayiro akoon wadajir ah oo dayn ah, isla markiiba ka cabato bangiga iyo ** Adeegga Dhexdhexaadinta Maaliyadeed (FOS - 0800 023 4567).
• **Khilaafka Lamaanaha/Lahaanshaha La-wadaaga
• *Midowga Yurub:
• JarmalkaPfändungsschutzkonto / P-Konto - § 850k & § 850l ZPO*: Sida ku cad Xeerka Habka Madaniga ah ee Jarmalka § 850l ZPO, haddii akoon wadajir ah (Gemeinschaftskonto) waxaa lagu xardhay hal dayn mulkiilaha, mulkiilaha aan dayn-lahayn waxa uu xaq u leeyahay 1 bilood gudahooda ee ku lifaaqan si uu u dalbado in bangiga ** u kala qaybiyo baaqiga si isku mid ah (Kopfteile) oo ku wareeji saamigooda akoon cusub oo la furayEinzelkonto) oo ka xoroobi qashin-qubka.
• Faransiiska (Saisie-attribution sur compte joint - R162-9*: Marka Namsmannen (bailiff)commissaire de justice) la wareegay akoon wadajir ah oo loogu talagalay daynta hayste, mulkiilaha aan deynta lahayn ayaa sii dayn kara lacagtooda isagoo siinaya caddaynta bailiff iyo garsooraha fulinta (JEX) in lacagahaasi ay ka yimaadeen dakhligooda gaarka ah (justification de l'origine des fonds).
• ** Australia iyo New Zealand ***:
• **Australia ***: Sida uu dhigayo Xeerarka Habka Madaniga ah ee Gobolka, Amarka ** Garnishee *** ee dayn bixiyaha keligiis guud ahaan kuma soo lifaaqi karo xisaab bangi oo wadaag ah oo lagu haysto qof aan deyn lahayn. Haddii lammaane kala go'a uu ka saaro akoon wadajir ah, la xiriir Federal Circuit and Family Court of Australia si degdeg ah Farriinta Hanti oo weydii bangigaaga islmarkaaba inuu ka beddelo awoodda saxeexa akoontada wadajirka ah "Ama la saxiixo" ilaa "Labadaba si loo Saxiixo".
• New Zealand: Waydii bangigaaga isla markaaba inuu u badalo waajibaadka akoontada wadajirka ah "Laba saxiix" marka lakala tago, oo u sii kordhiso qilaafka ** Qorshaha Dhexdhexaadiyaha Bangiyada (Banking Ombudsman Scheme)0800 805 950)**.

Su'aalaha soo noqnoqda¶

Muxuu bangigu u celin la'yahay wareejinta marka saygayga ama qofka aan wada noolahay uu faarujiyo akoonkeena hubinta wadajirka ah isagoon i waydiin?¶

Maxaa yeelay, markii adiga iyo la-milkiilaha aad saxiixdeen Heshiiska Xisaabta Debaajiga ee bangiga furitaanka akoonka, labadiinuba waxaad ogolaateen hal- saxiix oo awood u siinaya bangigu inuu ixtiraamo ka-noqoshada ama xawilaadda siligga ee uu bilaabo mulkiilaha la magacaabay ilaa boqolkiiba 100 ee hadhaaga. Marka loo eego Xeerka Ganacsiga Isku-dhafka ah (UCC) iyo qawaaniinta bangiyada gobolka, bangigu si sharci ah ayuu uga ilaaliyaa mas'uuliyadda marka uu raaco tilmaamaha milkiilaha la magacaabay. Si aad lacagtaada dib ugu hesho, waxaad si toos ah ula socotaa mulkiilaha adiga oo sii maraya Maxkamadda Qoyska (haddii aad isqabtaan) ama Maxkamadda Dacwooyinka Madaniga ah/Yar ee hoos timaada Xeerka Wax-ku-darka ee Koodhka Probate (haddii aanad guursanayn).

Ma wici karaa bangiga hadda oo ma ka codsan karaa inay xidhaan akoonkeena wadajirka ah ama ma u baahan karaa "Labada Saxeexa" si xaaskaygu aanu u qaadan karin lacagta inteeda kale?¶

Boqortooyada Midowday (UK), Australia, New Zealand, iyo Kanada, haa: qof kasta oo haysta koontada wadajirka ah wuxuu ogeysiin karaa bangiga khilaafka xiriirka wuxuuna tilmaami karaa bangiga inuu u baahdo "Labadaba si ay u saxiixaan" kharashyada mustaqbalka. Dalka Maraykanka, si kastaba ha ahaatee, inta badan bangiyada tafaariiqda ah ma bixiyaan dhaqangelin laba saxiix ah oo ku saabsan xisaabaadka hubinta macaamiisha; Taa beddelkeeda, haddii aad ka warbixiso khilaafka guurka, bangiga Maraykanku wuxuu kuu ogolaanayaa inaad xidho akoontiga ama aad dhigto maamul dhamaystiran akoontiga ilaa labada qof ee isqabta ay saxeexaan sii-dayn wadajir ah ama ay soo bandhigaan amar Maxkamadda Qoyska. Had iyo jeer u dhaqaaq qaybtaada lacagta biilka guriga ee loo baahan yahay oo dib u habayn jeegaga mushaharka INTAADAN waydiisan bangiga Maraykanka inuu xayiro xisaab wadaag ah oo lagu muransan yahay.

Hooyaday oo 78 jir ah ayaa magacayga ku shubtay akoonkeeda hubinta si aan u bixiyo biilasha tamarta. Deyn-bixiyuhu ma qaadan karaa lacagteeda Lambarka Bulshada?¶

Maya, waa haddii aad si degdeg ah wax uga qabato si aad u caddeyso ilaalinteeda sharciga ah. Marka hore, haddii macaashka Lambarka Bulshada hooyadaa si toos ah loogu shubo akoonkaas, sharciga federaalka ee 31 CFR Qaybta 212 wuxuu u baahan yahay bangigu inuu si toos ah uga ilaaliyo 2 bilood oo buuxda dhigaalkeeda Social Security maalinta 1. Labaad, wixii kayd ah ee xisaabta ka sarreeya 2 bilood ee faa'iidooyinka, adiga iyo hooyadaa waa inaad xeraysaan Dacwadda Xisbiga Saddexaad ee Ka-dhaafitaanka maalinta 15-aad gudahooda ee maxkamadda-15. 3 ilaa 6 bilood ee u danbaysay ee bayaanada bangiga. Marka aad muujiso in 100 boqolkiiba dhigaalka koontada ay yihiin Lambarka Bulshada iyo hawlgabka hooyadaa, garsooruhu wuxuu sii deyn doonaa boqolkiiba 100 lacagteeda. Isla marka lacagta la sii daayo, ka saar magacaaga Milkiile Wadajir ah oo dib ugu qor naftaada si adag sidii Awood Qareen ama Saxeexa Saxeexa.

Haddii saygayga uu $50,000 ka saaro akoonkeena kaydka wadajirka ah maalin ka hor intaan la xarayn furiinka, miyaan ka qaataa $50,000 akoon kale si aan u yeelo?¶

Haddii saygaaga/xaaskaaga uu qaatay 50 boqolkiiba wadarta lacagta dareeraha ah oo uu kaga tago 50 boqolkiiba kale ee koontada, u wareejinta 50 boqolkiiba qaybtaada hadhay akoon cusub oo la furay oo magacaaga ah (iyo muujinta caddaynta maaliyadeed ee maxkamaddaada) waa dhaqanka caadiga ah. Weligaa ha ku qarin lacagta caddaanka ah ama akoonnada qolo saddexaad, hana ku xad-gudbin Wacitaan Maxkamadeed oo firfircoon ama Amarka Xayiraadda Ku Meel Gaarka ah (ATRO).

Intee in le'eg ayay qaadanaysaa in la helo xisaab bangi wadajir ah oo aan la xannibin ka dib markaan xereeyo Sheegashada Ka-dhaafitaan-Dayn-Bixiyuhu?¶

Haddii aad fakis u dirto oo aad iimayl ku samayso bayaannadaada bangi ee la iftiimiyay iyo lacagaha lacag bixinta si toos ah qareenka dayn bixiyaha maalinta 1 oo muujinaysa in 100 boqolkiiba dhigaalka aad adigu iska leedahay, qareeno badan oo ururin ayaa si ikhtiyaari ah fakis ugu sii dayn doona qurxinta bangiga 2 ilaa 5 maalmood oo shaqo gudahood. Haddii deyn bixiyuhu uu diido, sharciga gobolku wuxuu dhigayaa in la dedejiyo dhageysiga ka-dhaafitaannada garsooraha hortiisa 10 ilaa 21 maalmood gudahood, markaas ka dib maxkamaddu waxay amarto bangiga inuu sii daayo lacagtaada la raad raaco.

Tilmaamaha la xidhiidha¶

• Canshuurta akoontada bangiga, xisaab hubin la qaboojiyay, iyo siideynta lacagaha laga dhaafo
• Ku xad-gudub maaliyadeed, xakamaynta dhaqaale ee khasabka ah, iyo ka bixidda maaliyadeed ee ammaan ah
• Cosigner default, mas'uuliyadda deynta wadajirka ah, iyo ilaalinta deynta
• Ilaalinta waayeelka, ka noqoshada awoodda qareenka, iyo ilaalinta ammaanada
• Tusaha lambarada degdega ah

Ilaha iyo hanuuninta rasmiga ah¶

• Guddiga Sharciga Labbiska ah (ULC): * Xeerka Probate Uniform (UPC) Qodobka VI, Qaybta 2 - Xisaabaadka Dad-badan, Qaybta 6-211 (Lahaanshaha Inta lagu jiro Nolosha: Xeerka Tabarucaadka saafiga ah) iyo Xisaabaadka Ku habboonaanta Sharciga*.
• ** U.S. Waaxda Khasnadda & Maamulka Badbaadada Bulshada:** 31 CFR Qaybta 212 - Qurxinta Xisaabaadka Ay Ka Kooban Yihiin Lacagaha Faa'iidada Federaalka (Laba Bilood Ee Ilaalinta Dib U Eegis Waajib Ah Ee Xisaabaadka Wadajirka Ah).
• Xafiiska Ilaalinta Maaliyadeed ee Macmiilka (CFPB): *Tallooyinka Macaamiisha ee Xisaabaadka Wadajirka ah ee Bangiyada,Awoodda Qareenka
• Ururka Qareenada Mareykanka (ABA) Qaybta Sharciga Qoyska & Guddiga Sharciga iyo Gabowga: Dacwadeynta Kala Diridda Guurka ee Xisaabaadka Wadajirka ah iyo Ka ilaalinta Waalidiinta Waayeelka ah ee ku habboon Lahaanshaha Lahaanshaha Amaahiyaha.
• Maamulka Dhaqanka Maaliyadeed ee Boqortooyada Midowday (FCA) & Adeegga Dhexdhexaadiyaha Maaliyadeed (FOS): Xisaabadaha Wadajirka ah ee Dhibaatada Maaliyadeed, Waajibka Muranka Guurka oo la hakiyo, iyo Xeerarka Dalabka deynta ee qolo saddexaad (CPR Part 72).