{"id":12199,"date":"2015-04-12T18:48:40","date_gmt":"2015-04-12T18:48:40","guid":{"rendered":"http:\/\/jljlawgroup.com\/?p=12199"},"modified":"2015-04-12T18:48:40","modified_gmt":"2015-04-12T18:48:40","slug":"nha-foreclosure-phai-giai-quyet-nhu-the-nao","status":"publish","type":"post","link":"https:\/\/jljlawgroup.com\/vietnamese\/nha-foreclosure-phai-giai-quyet-nhu-the-nao\/","title":{"rendered":"NH\u00c0 FORECLOSURE PH\u1ea2I GI\u1ea2I QUY\u1ebeT NH\u01af TH\u1ebe NA\u00d2?"},"content":{"rendered":"<p><em>Th<\/em><em>\u01b0<\/em><em>a Lu<\/em><em>\u1ead<\/em><em>t s<\/em><em>\u01b0<\/em><em>,<\/em><\/p>\n<p><em><em>T\u00f4i c\u00f3 2 c\u0103n nh\u00e0, 1 c\u0103n \u1edf Utah v\u00e0 1 c\u0103n \u1edf Cali. T\u00f4i kh\u00f4ng tr\u1ea3 n\u1ed5i ti\u1ec1n n\u1ee3 c\u0103n nh\u00e0 \u1edf Cali n\u00ean b\u1ecf c\u0103n nh\u00e0 \u0111\u00f3 cho nh\u00e0 bank k\u00e9o lu\u00f4n. V\u1eady nh\u00e0 bank c\u1ee7a c\u0103n nh\u00e0 \u1edf Cali c\u00f3 th\u1ec3 n\u00e0o si\u1ebft n\u1ee3 c\u0103n nh\u00e0 c\u1ee7a t\u00f4i \u1edf Utah hay kh\u00f4ng? N\u1ebfu t\u00f4i mu\u1ed1n b\u00e1n c\u0103n nh\u00e0 \u1edf Utah th\u00ec c\u00f3 b\u1ecb \u1ea3nh h\u01b0\u1edfng g\u00ec hay kh\u00f4ng? Xin c\u00e1m \u01a1n Lu\u1eadt s\u01b0.<\/em><\/em><\/p>\n<p><strong>Tr\u1ea3 l\u1eddi c\u1ee7a Lu\u1eadt S\u01b0 Jennifer H\u00e0:<\/strong><\/p>\n<p>Ch\u00e0o anh T\u00e2n,<\/p>\n<p>Hi\u1ec7n gi\u1edd \u0111ang c\u00f3 r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi trong tr\u01b0\u1eddng h\u1ee3p nh\u01b0 anh v\u00ec kh\u00f4ng tr\u1ea3 n\u1ed5i ti\u1ec1n nh\u00e0 \u0111ang \u1edf ho\u1eb7c nh\u00e0 \u0111\u1ea7u t\u01b0, n\u00ean t\u00f4i khuy\u00ean anh \u0111\u1eebng qu\u00e1 lo s\u1ee3. Khi anh \u0111\u00e3 quy\u1ebft \u0111\u1ecbnh kh\u00f4ng tr\u1ea3 ti\u1ec1n nh\u00e0 n\u1eefa th\u00ec ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 hai ph\u01b0\u01a1ng ph\u00e1p \u0111\u1ec3 l\u1ea5y l\u1ea1i s\u1ed1 ti\u1ec1n m\u00e0 h\u1ecd \u0111\u00e3 cho m\u01b0\u1ee3n sau khi c\u0103n nh\u00e0 b\u1ecb t\u1ecbch thu v\u00e0 b\u00e1n \u1edf foreclosure sale. Th\u01b0\u1eddng th\u00ec ng\u00e2n h\u00e0ng s\u1ebd b\u00e1n c\u0103n nh\u00e0 c\u1ee7a anh v\u1edbi gi\u00e1 th\u1eadt r\u1ebd cho b\u1ea5t c\u1ee9 ng\u01b0\u1eddi n\u00e0o mu\u1ed1n mua t\u1ea1i to\u00e0, v\u00e0 anh ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m cho s\u1ed1 ti\u1ec1n c\u00f2n l\u1ea1i m\u00e0 ng\u00e2n h\u00e0ng kh\u00f4ng h\u1ed3i ph\u1ee5c l\u1ea1i \u0111\u01b0\u1ee3c sau khi b\u00e1n c\u0103n nh\u00e0 \u0111i. Th\u00ed d\u1ee5 nh\u01b0 anh thi\u1ebfu ng\u00e2n h\u00e0ng $200,000.00 nh\u01b0ng h\u1ecd ch\u1ec9 b\u00e1n c\u0103n nh\u00e0 c\u1ee7a anh \u0111\u01b0\u1ee3c $150,000.00 th\u00f4i th\u00ec anh ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m cho s\u1ed1 ti\u1ec1n c\u00f2n l\u1ea1i, t\u1ee9c l\u00e0 $50,000.00. Ng\u00e2n h\u00e0ng c\u1ee7a anh c\u00f3 hai ph\u01b0\u01a1ng ph\u00e1p \u0111\u1ec3 gi\u1ea3i quy\u1ebft s\u1ed1 ti\u1ec1n n\u00e0y:<\/p>\n<p><strong>1) 1099 Tax:<br \/>\n<\/strong>Ng\u00e2n h\u00e0ng c\u1ee7a anh c\u00f3 th\u1ec3 coi nh\u01b0 l\u00e0 &#8220;cho&#8221; anh s\u1ed1 ti\u1ec1n n\u00e0y v\u00e0 kh\u00f4ng \u0111\u00f2i anh n\u1eefa. Trong tr\u01b0\u1eddng h\u1ecdp n\u00e0y th\u00ec h\u1ecd s\u1ebd g\u1edfi cho anh gi\u1ea5y thu\u1ebf v\u00e0 anh ph\u1ea3i khai thu\u1ebf tr\u00ean s\u1ed1 ti\u1ec1n $50,000.00 \u0111\u00f3 nh\u01b0 \u0111\u00f3 l\u00e0 income c\u1ee7a anh. Trong n\u0103m 2009, T\u1ed5ng th\u1ed1ng Obama \u0111\u00e3 ra l\u1ec7nh r\u1eb1ng nh\u1eefng ng\u01b0\u1eddi b\u1ecb ng\u00e2n h\u00e0ng foreclose kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i tr\u1ea3 thu\u1ebf tr\u00ean s\u1ed1 ti\u1ec1n n\u00e0y, nh\u01b0ng anh n\u00ean li\u00ean l\u1ea1c v\u1edbi k\u1ebf to\u00e1n s\u01b0 \u0111\u1ec3 t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y. T\u00f4i khuy\u00ean anh n\u00ean l\u1ef1a ng\u01b0\u1eddi n\u00e0o c\u00f3 h\u1ecdc v\u1ec1 k\u1ebf to\u00e1n v\u00e0 nhi\u1ec1u n\u0103m k\u00ecnh ngi\u1ec7m \u0111\u1ec3 tham kh\u1ea3o th\u00eam v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y. C\u00f3 nhi\u1ec1u n\u01a1i khai thu\u1ebf m\u00e0 kh\u00f4ng c\u00f3 h\u1ecdc v\u1ec1 thu\u1ebf v\u00e0 h\u1ecd c\u00f3 th\u1ec3 s\u1ebd ch\u1ec9 anh sai \u0111\u01b0\u1eddng. Anh n\u00ean xem r\u00f5 b\u1eb1ng c\u1ea5p c\u1ee7a h\u1ecd v\u00e0 kh\u1eb5ng \u0111\u1ecbnh l\u00e0 h\u1ecd c\u00f3 b\u1eb1ng k\u1ebf to\u00e1n ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 l\u00e0 &#8220;IRS E-Filer&#8221; v\u00ec ai c\u0169ng c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh &#8220;IRS E-Filer&#8221; nh\u01b0ng kh\u00f4ng hi\u1ec3u bi\u1ebft nhi\u1ec1u v\u1ec1 thu\u1ebf.<\/p>\n<p><strong>2) Th\u01b0a anh v\u00e0 l\u1ea5y &#8220;Judgment&#8221;:<\/strong><\/p>\n<p>Ng\u00e2n h\u00e0ng c\u1ee7a anh c\u00f3 th\u1ec3 \u0111\u01b0a anh ra to\u00e0 \u0111\u1ec3 l\u1ea5y l\u1ea1i s\u1ed1 ti\u1ec1n $50,000.00 c\u00f2n l\u1ea1i sau khi h\u1ecd b\u00e1n c\u0103n nh\u00e0 c\u1ee7a anh. To\u00e0 s\u1ebd ph\u00e1n cho h\u1ecd m\u1ed9t c\u00e1i &#8220;Judgment&#8221; v\u00e0 h\u1ecd c\u00f3 th\u1ec3 d\u00f9ng c\u00e1i &#8220;Judgment&#8221; n\u00e0y \u0111\u1ec3 xi\u1ebft t\u00e0i s\u1ea3n c\u1ee7a anh. H\u1ecd c\u00f3 th\u1ec3 xi\u1ebft t\u00e0i s\u1ea3n c\u1ee7a anh b\u1eb1ng c\u00e1ch l\u1ea5y h\u1ebft ti\u1ec1n trong ng\u00e2n h\u00e0ng, ti\u1ec1n l\u01b0\u01a1ng, ti\u1ec1n th\u1ea5t nghi\u1ec7p, b\u00e1n \u0111\u1ed3 \u0111\u1ea1c trong nh\u00e0 c\u1ee7a anh, b\u1ecf &#8220;lien&#8221; l\u00ean c\u0103n nh\u00e0 anh \u0111ang \u1edf v\u00e0 l\u1ea5y h\u1ebft ti\u1ec1n l\u1eddi trong c\u0103n nh\u00e0 khi anh b\u00e1n n\u00f3 \u0111i.<\/p>\n<p>N\u1ebfu ng\u00e2n h\u00e0ng c\u1ee7a anh quy\u1ebft \u0111\u1ecbnh d\u00f9ng ph\u01b0\u01a1ng ph\u00e1p th\u1ee9 hai \u0111\u1ec3 l\u1ea5y l\u1ea1i ti\u1ec1n th\u00ec anh n\u00ean khai Bankruptcy t\u1ee9c l\u00e0 ph\u00e1 s\u1ea3n \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n m\u00e0 anh \u0111ang c\u00f3. Bankruptcy l\u00e0 m\u1ed9t gi\u1ea3i tho\u00e1t r\u1ea5t t\u1ed1t cho nhi\u1ec1u ng\u01b0\u1eddi trong kinh t\u1ebf n\u00e0y.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Th\u01b0a Lu\u1eadt s\u01b0, T\u00f4i c\u00f3 2 c\u0103n nh\u00e0, 1 c\u0103n \u1edf Utah v\u00e0 1 c\u0103n \u1edf Cali. T\u00f4i kh\u00f4ng tr\u1ea3 n\u1ed5i ti\u1ec1n n\u1ee3 c\u0103n nh\u00e0 \u1edf Cali n\u00ean b\u1ecf c\u0103n nh\u00e0 \u0111\u00f3 cho nh\u00e0 bank k\u00e9o lu\u00f4n. V\u1eady nh\u00e0 bank c\u1ee7a c\u0103n nh\u00e0 \u1edf Cali c\u00f3 th\u1ec3 n\u00e0o si\u1ebft n\u1ee3 c\u0103n nh\u00e0 c\u1ee7a t\u00f4i \u1edf&#8230; <\/p>\n<div class=\"clear\"><\/div>\n<p><a href=\"https:\/\/jljlawgroup.com\/vietnamese\/nha-foreclosure-phai-giai-quyet-nhu-the-nao\/\" class=\"excerpt-read-more\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,21],"tags":[],"class_list":["post-12199","post","type-post","status-publish","format-standard","hentry","category-uncategorized","category-vietnamese-new"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NH\u00c0 FORECLOSURE PH\u1ea2I GI\u1ea2I QUY\u1ebeT NH\u01af TH\u1ebe NA\u00d2? - JLJ Law Group Sites(VI)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jljlawgroup.com\/vietnamese\/nha-foreclosure-phai-giai-quyet-nhu-the-nao\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NH\u00c0 FORECLOSURE PH\u1ea2I GI\u1ea2I QUY\u1ebeT NH\u01af TH\u1ebe NA\u00d2? - JLJ Law Group Sites(VI)\" \/>\n<meta property=\"og:description\" content=\"Th\u01b0a Lu\u1eadt s\u01b0, T\u00f4i c\u00f3 2 c\u0103n nh\u00e0, 1 c\u0103n \u1edf Utah v\u00e0 1 c\u0103n \u1edf Cali. 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