Malamulo a Bankruptcy amaimira odala ngongole ndi okhometsa ndalama zowononga ndalama, ntchito, mabungwe osokoneza bongo komanso zinthu zina zokhudzana ndi kugulitsa ndalama. Lamulo la Bankruptcy ndi limodzi mwa malo otentha kwambiri m'madera amtundu uno lero ndi makampani alamulo m'dziko lonse lapansi akufutukula machitidwe awo obisika ndi kukonzanso.
J. Andrew Rahl, Jr., mzake ku Reed Smith ndi co-chair of Commercial Restructuring and Bankruptcy Group, akugawana ntchito ndi kutuluka kwa lamulo lopasula mu mafunso omwe ali pansipa.
Rahl wakhala akunenedwa kuti ndi Wopambana Bankruptcy Lawyers kasanu ndi katatu ndi Turnarounds & Workouts . Mu 2007, The Deal inamutcha iye mmodzi wa apamwamba a bankruptcy lawyers.
Rahl nayenso amalankhula mobwerezabwereza komanso kuphunzitsa ku United States ndi ku Europe ndipo amalembedwa kawirikawiri mu ndondomeko ya zachuma pa kubwezeretsa, kubwezeretsa, ndi nkhani zofanana zogulitsa.
1. Kodi mungapereke ndemanga pa ntchito za ntchito mu lamulo la bankruptcy?
Ntchito zikukula m'munda uno. Kukula uku kukuwonetsa kukhwima kwa ngongole ndi chuma cha bankruptcy ndi kukonzanso malamulo.
Ziri zovuta kufotokozera za nthawi yayitali yamalonda koma ndikuganiza kuti bankruptcy boom idzakhala zaka zingapo. Makampani ambiri alamulo akukweza machitidwe awo obisika. Ife posachedwapa takhala nawo oyanjana atsopano ku gulu lathu.
2. Kodi munalowa bwanji m'munda wa lamulo la bankruptcy?
Ndakhala ndikuchita izi nthawi yaitali.
Nditamaliza sukulu ya malamulo pakati pa chiwerengero cha zachuma ndinapita ku khola lokhala ndi ntchito yopangidwira ndikukonzanso ntchito ndipo ndinaiwona yokondweretsa kwambiri. Ndinayang'ana mipata yoti ndizichita kusokoneza nthawi iliyonse yomwe ndingakwanitse komanso pofika 1990 ndikuchita bankruptcy nthawi zonse.
3. Kodi mumakonda chiyani mukamagwira ntchito ku bankruptcy?
Kuwonongeka kwa bungwe kumakhudza pafupifupi mbali iliyonse ya lamulo lazamalonda.
Kuwonjezera podziwa chikhombo cha bankruptcy, mumayenera kukhala wokhudzana ndi mgwirizano wokhudzana ndi mgwirizanowu, mgwirizano ndi zothandizira , ntchito, malo ogulitsa katundu komanso zinthu zambiri zoyenera kuchita. Kuchita kumalo a bankruptcy ndimasangalatsa kwambiri ndipo vuto lililonse ndilosiyana.
4. Ndi zovuta ziti zomwe zimakhala zosiyana ndi lamulo la bankruptcy?
Lamulo lachinyengo limapereka ndalama kwa anthu omwe amachita bwino panthawi yotsiriza pamene akupanikizika. Nthaŵi yosungirako ndalama ikhoza kukhala yayifupi kwambiri kuposa milandu. Nkhani zina zimapitilira zaka zambiri pamene zochitika zambiri za bankruptcy zikuphatikizapo nkhani zowonongeka zomwe zimathetsedwa pakanthawi kochepa.
5. Kodi ndi ntchito ziti zomwe zimachitika ndi woyimira milandu wolowera kuntchito?
Zomwe zimachitika mukasungidwa zimadalira mtundu wa nkhaniyo. Si zachilendo ku bankruptcy kwa amilandu akuluakulu kuti agwirizane ndi makasitomala ndi kulembetsa zikalata zalamulo. Mwachitsanzo, katswiri wa zaka zoyamba omwe analowa nawo pakhomopo anakondwera kukagwira ntchito masiku atatu akugwira ntchito kuti awonetsere kuti akukhalabe ndi ufulu wokhudzana ndi chitetezo cha kasitomala yemwe ali ngongole. Adzakhalanso nawo mbali pa kukangana kutsutsa.
6. Ndi luso liti lomwe likufunika kuti muyambe kuchita kumalo a bankruptcy?
Chimodzi mwa zinthu zochititsa chidwi za bankruptcy practice ndikuti ndi wosakanikirana pakati pa milandu ndi zochitika zina.
Mukufunikira luso la woyimira ndi luso la woweruza mulandu. Sizimapweteka kukhala ndi mgwirizano wabwino ndi luso lokonzanso makampani.
Zolinga zamaganizo, mtundu umene mumaphunzira ku sukulu yamalamulo, ndizofunikira. Luso loyankhula ndi lofunika ngati aphungu a bankrupt amathera nthawi yochuluka ya nthawi yawo pamapazi awo akukangana kukhoti. Mphamvu zolembera ndizofunikanso popeza aphungu omwe amalephera kubwezeretsa mapepala, kufotokoza, zolemba ndi zolemba zina.
7. Kodi woweruza watsopano angapite bwanji kumundawu?
Kusintha nthawi ndizo zonse zomwe zikuwonongedwa. Ndizovuta komanso chuma chimakhudza ntchito ya bankruptcy. Ino ndiyo nthawi yoti mupeze mwayi wokhotakhota.
Aphungu atsopano okondweretsedwa ndi mabanki ayenera kuyang'ana mwakhama omwe ali ndi chizoloŵezi chowononga bankingaliro. Makampani akunyalanyaza tsopano ndi ntchito ya bankruptcy.