민사 | 불체인데텍스도 못내고 지냈는데 뱅크럽시 가능한지요. 은행과 카드빛
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youngone님이 2008-09-23 15:19:22에 쓰신글
>미국생활 10년차로써 이민사기로 졸지에 불체 신분이 돼었 습니다.2년전 이혼을하고 2아이와 라인오프크래딧과 카드빛 까지 떠안고 살다보니 8개월 정도 페이를 못하고 콜랙션과 은행에서 선임한 변호사에게서 통지가오기를 이달 말까지 다 갚으라네요. 전 나이가 많다구 잡도 못구하고 힘겹게 하루를 보내고 자살까지 생각하는 현실 입니다.저도 뱅크랍시가 가능한지요?
뱅크럽하기전에 다음을 읽어보고 정하세요. 참고로 bankruptcy law는 연방법이므로 미 전역 어디든 적용됩니다.
To a lender a borrower who it knows is undocumented is in one way more attractive than a citizen or legal resident: he or she is effectively barred from filing bankruptcy. Strictly speaking, there is no requirement that someone be in the United States legally in order to be a debtor in bankruptcy. But someone who is undocumented and wants to stay in the country would be inviting trouble if he or she filed bankruptcy. A debtor now must present a picture ID and proof of social security number at the creditors meeting. Interim Bankruptcy Rule 4002(b)(1). The debtor must also provide the most recent Federal income tax return, or explain why there is none. Interim Rule 4002(b)(3). This should be enough to deter most undocumented borrowers from filing bankruptcy. If one does file despite this risk, whether out of ignorance or recklessness, the lender has a powerful threat -- withdraw the bankruptcy or else the trustee will be told the truth. At a minimum the debtor risks denial of discharge for presenting fraudulent documents. Deportation is much more likely; even prison is a possibility.
>미국생활 10년차로써 이민사기로 졸지에 불체 신분이 돼었 습니다.2년전 이혼을하고 2아이와 라인오프크래딧과 카드빛 까지 떠안고 살다보니 8개월 정도 페이를 못하고 콜랙션과 은행에서 선임한 변호사에게서 통지가오기를 이달 말까지 다 갚으라네요. 전 나이가 많다구 잡도 못구하고 힘겹게 하루를 보내고 자살까지 생각하는 현실 입니다.저도 뱅크랍시가 가능한지요?
뱅크럽하기전에 다음을 읽어보고 정하세요. 참고로 bankruptcy law는 연방법이므로 미 전역 어디든 적용됩니다.
To a lender a borrower who it knows is undocumented is in one way more attractive than a citizen or legal resident: he or she is effectively barred from filing bankruptcy. Strictly speaking, there is no requirement that someone be in the United States legally in order to be a debtor in bankruptcy. But someone who is undocumented and wants to stay in the country would be inviting trouble if he or she filed bankruptcy. A debtor now must present a picture ID and proof of social security number at the creditors meeting. Interim Bankruptcy Rule 4002(b)(1). The debtor must also provide the most recent Federal income tax return, or explain why there is none. Interim Rule 4002(b)(3). This should be enough to deter most undocumented borrowers from filing bankruptcy. If one does file despite this risk, whether out of ignorance or recklessness, the lender has a powerful threat -- withdraw the bankruptcy or else the trustee will be told the truth. At a minimum the debtor risks denial of discharge for presenting fraudulent documents. Deportation is much more likely; even prison is a possibility.
작성일2008-09-23 20:11
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