Abameli be-Bankruptcy bamele abakhokhisi nabanokweleta ekuvuselelweni kwezezimali, ukusebenza, amacala okubhujiswa kanye nezinye izindaba ezibandakanya ukuthengiswa ngokwezimali ngokwezimali. Umthetho we-Bankruptcy ungenye yezindlela ezishisayo kakhulu emkhakheni wezomthetho namuhla futhi amafemu omthetho ezweni lonke akhulisa imikhuba yabo yokuqedwa kanye nokuhlelwa kabusha.
UJean. Andrew Rahl, Jr., umlingani kuReed Smith kanye nosihlalo weBusiness Restructuring and Bankruptcy Group, wabelane ngemali nokuphuma komthetho wokuqothula kule ngxoxo ngezansi.
U-Rahl uye wabizwa ngokuthi abeNgqongqoshe abaPhezulu Bokuqashisa ngokuphindwe kasithupha ngo- Turnarounds & Workouts . Ngonyaka ka-2007, i-Deal ibize ngokuthi nguyena wezomthetho abaqashi.
U-Rahl uyisiphakamiso esivela njalo efundisa e-United States naseYurophu futhi ucashunwe njalo emshinini wezezimali ekugodini, ukulungiswa kabusha nokunye okutshalwa kwezimali.
1. Ungakwazi yini ukuphawula ngamathuba omsebenzi emkhakheni wezomthetho?
Amathuba emisebenzi akhula kule nsimu. Lokhu kukhula kubonisa ukukhwabanisa kwekhredithi kanye nomjikelezo wezomnotho wokuqedwa kanye nokulungisa kabusha abameli.
Kulukhuni ukucabangela ngomjikelezo wezomnotho wesikhathi eside kodwa ngikholelwa ukuthi ukuqothulwa kwebhange kuzohlala okungenani iminyaka embalwa. Amafemu amaningi omthetho akhulisa imikhuba yabo yokufa. Sanda kungeze isihlobo esisha eqenjini lethu.
2. Ungene kanjani emkhakheni wezomthetho wokuqothula?
Ngenze lokhu isikhathi eside.
Ngemva kokuphothula esikoleni somthetho phakathi kwezomnotho ngaya enkampanini ngesenzo sokuqeda futhi senza kabusha futhi ngakuthola sithandeka kakhulu. Ngangifuna amathuba okuziqeda lapho ngisakwazi futhi ngo-1990 ngangiqeda isikhathi esigcwele.
3. Yini oyithandayo kakhulu ngokusebenza endaweni yokuqothulwa?
Ukungena kwebhizinisi kuthinta cishe zonke izici zomthetho webhizinisi.
Ngaphezu kokwazi ikhodi ye-bankruptcy, kufanele ube ngu-generalist ngokubambisana nokuthengwa, izinkampani nezokuphepha , umsebenzi, indawo yokuhlala kanye nezici eziningi zomkhuba wokulawula. Ukuzibandakanya endaweni yokuqothulwa kumnandi futhi zonke izimo zihlukile.
4. Yiziphi izinselele eziyingqayizivele emthethweni wezomthetho?
Umthetho we-Bankruptcy uzibophezela kubantu abaqhuba kahle ngomzuzu wokugcina ngaphansi kwengcindezi. Isikhathi sokungena esikhwameni singaba mfushane kakhulu kunamacala ajwayelekile. Amanye amacala aqhubeka iminyaka ngenkathi izici eziningi zokuqeda imali zihlanganisa izindaba eziqondayo ezixazululwa esikhathini esifushane.
5. Yimiphi imisebenzi ejwayelekile eyenziwa ngummeli we-entry level level?
Okwenzekayo ekuqothulweni kuxhomeke esimweni salolu daba. Akuyona into engavamile ekuqashweni kwabameli abancane ukuthi bahlanganyele namakhasimende kanye nemibhalo eqoshiwe yomthetho. Isibonelo, ummeli wonyaka wokuqala osanda kujoyina i-firm yethu wayejabule kakhulu ukuchitha izinsuku ezintathu esebenza ngokunyakaza ukuphakamisa ukuhlala okuzenzekela ngokuphathelene nesithakazelo sokuphepha komthengi ongumthengisi wemishini. Uzohlanganyela futhi ekuphikisaneni nokunyakaza.
6. Yimaphi amakhono adingekayo ukuze asebenze endaweni yokuqedwa?
Enye yezinto ezithakazelisayo mayelana nokukhishwa kwe-bankruptcy ukuthi yi-hybrid phakathi kokuthethwa komthetho kanye nokusebenza komsebenzi.
Udinga kokubili amakhono ommeli kanye namakhono ommeli womthengi. Akulimazi ukuba nekhontrakthi enhle namakhono okubhalisa izinkampani kanye.
Amakhono okuhlaziya, uhlobo oluluthola esikoleni somthetho, kuyadingeka. Ikhono lokukhuluma kubalulekile njengoba abameli bebhange bechitha amaphesenti abalulekile ngesikhathi sabo ezinyathelweni zabo enkantolo. Ikhono lokubhala nalo liyadingeka kusukela abameli bebhange beqamba ukuncenga, izikhalazo, izinkulumo kanye neminye imibhalo.
7. Ummeli omusha angaphumelela kanjani kule nsimu?
Isikhathi yisikhathi sokungena. Kuyinkimbinkimbi futhi umnotho unomthelela ekusebenzeni kwe-bankruptcy. Manje sekuyisikhathi sokubheka amathuba ekuqothulweni.
Abameli abasha abanesithakazelo ekukhokheni imali kufanele bafune inkampani enomkhuba owenza umonakalo ongenjongo. AmaFirms asebenza kahle manje ngomsebenzi wokuqeda imali.