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Author: dr_stein

[Cadangan] ★ALL ABOUT BANKRAPSI/MUFLIS★

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Post time 31-8-2003 10:38 PM | Show all posts
Originally posted by atukglamer at 31-8-2003 05:08 AM:
Okay, kes kawan atuk ni, 1st bankruptcy dia kena pada tahun 1982 di Mahkamah Tinggi Kuala Terengganu atas berhutang dgn pembekal.
2nd bankcruptcy dia kena pada tahun1986 di Mahkamah Tinggi Kuala  ...


Kalau atuk baca betul2 post saya kat atas rasanya atuk tau jawapan dia... tetap sama.

PPH Putrajaya sure tahu ada dua kes... tetapi kerana kes tu berasingan maka kes KT itu sajalah yg dianggap telah selesai. Kes di KL masihl hidup... jadi kawan atuk tu masih bankrap lagilah until and unless kes tu diselesaikan.
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atukglamer This user has been deleted
Post time 1-9-2003 12:26 AM | Show all posts

Thanks

Originally posted by Camar at 26-08-2003 22:38:
Kalau atuk baca betul2 post saya kat atas rasanya atuk tau jawapan dia... tetap sama.

PPH Putrajaya sure tahu ada dua kes... tetapi kerana kes tu berasingan maka kes KT itu sajalah yg dianggap t ...


Terima kasih, Camar.
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Post time 18-9-2003 02:23 PM | Show all posts

Take a break jap!!

Kat bawah ni ada artikle menarik tentang cerita ceriti bankrupt C ni..bacalah kalau ada masa..!!

...........................


By Marilyn Gardner, CSM

As a bankruptcy expert, Elizabeth Warren has seen the devastating effects on families when their finances collapse. She has also watched the number of bankruptcies escalate, rising 400 percent in the past 25 years.

By the end of the decade, she says, an estimated 6 million families with children - 1 in every 7 such families - may declare bankruptcy. This year, more children are going through their parents' bankruptcies than their parents' divorces.
But Ms. Warren, a law professor at Harvard, rejects the conventional theory that overconsumption - squandering money on big-screen TVs, McMansions, restaurant meals, oversized cars, and luxury vacations - is to blame for insolvency and all those maxed-out credit cards.

Instead, she points to the high cost of housing and education - fixed expenses that can quickly create a sea of red ink when families face layoffs, illness, or divorce. Skyrocketing healthcare costs add to the problem.

Ironically, Warren sees Mom's paycheck - a family's second income, the very asset meant to provide more financial stability - as a potential culprit rather than an economic cure. When middle-class mothers began entering the workforce en masse, she explains, their incomes gave parents more money to spend on housing.

This created "frenzied bidding wars" for homes in desirable school districts. A deregulated mortgage industry compounded the peril by allowing homeowners to assume larger mortgages.

As a result, Warren says, dual-income families have less discretionary income and are more vulnerable economically than their single-breadwinner counterparts in the past.

She spells out her unusual theories in The Two-Income Trap: Why Middle-Class Mothers and Fathers Are Going Broke (Basic Books), written with her daughter, Amelia Warren Tyagi.

"Two parents working hard at two jobs is not a guarantee against economic disaster," Warren says in a phone interview.

"Today's parents feel they have no option but to pour enormous energy and all of their economic resources into getting their children into decent schools."

Problems arise, the authors add, when couples commit both incomes to fixed expenses. "Families aren't going broke because of one extra pair of Nikes," says Ms. Tyagi, a business consultant.

"Families are vulnerable because they've stretched the fixed costs they have to pay month in, month out, no matter what. If something goes wrong and you face a period of unemployment, there's no way to cut back on the mortgage."

The No. 1 question every two-income couple needs to ask, Warren says, is whether their family can survive without one income.

If not, she urges them to create an emergency backup plan as a hedge against the possibility that one of them will lose their income at some point.

The authors shun the conventional advice financial advisers often give, such as: Keep track of every penny. Don't eat out too often. Save on dry cleaning.

They take the opposite approach, encouraging families to enjoy treats. If a layoff or illness occurs, the money allocated for these small pleasures can buy necessities.

Barbara Bergmann, an economist and a senior research associate at the Council on Contemporary Families, disagrees.

She criticizes their theory that working mothers' salaries are partly to blame for the high rate of bankruptcies, calling it "totally fallacious." And she takes issue with the notion that the money mothers earn has fueled bidding wars.

According to the Bureau of Labor Statistics, Ms. Bergmann says, housing costs have risen 5.1 percent a year since 1970, when married mothers began entering the labor market in substantial numbers.

During the same time, prices of consumer goods have gone up by almost the same amount, 4.9 percent a year.

She notes that rising mortgage payments include the home-equity loans people use to finance cars, renovate houses, and pay off credit-card debt.

For some two-income couples, cutting back on expenses remains important. In the early years of their marriage, Joe and Kristie Tamsevicius of Gurnee, Ill., faced more than $30,000 in credit-card debts.

Mrs. Tamsevicius, who worked her way through college, had student loans to pay off. The arrival of two children added more expenses. "Babies are money-eating machines," she says. "They need so much."

By paying careful attention to what they spent, the couple gradually paid off their debts. They now have $40,000 in investments and savings.

Among other cost-cutting measures, they drive to southern Wisconsin to shop for food, reducing their grocery bills from $180 a week to $110.

Last month, Mr. Tamsevicius, who does specialized computer programming, was laid off. To protect their assets, he has refinanced his truck, saving $200 a month.

A rental property they own also brings in $300 a month. He plans to join his wife as a partner in her Internet business, Webmomz.com.

Double income, double expenses

As Warren and Tyagi note, a second income produces extra expenses. Creighton and Liza Abrams live in New Jersey and work in New York, he as a public relations executive, she as a marketing director.

Their dual incomes require two expensive commutes, totaling $20 a day. Child care siphons off almost $2,000 a month and now costs more than their mortgage. They have "reasonable" credit-card debts and a small school loan, plus a car loan.

"Saving for two college educations while paying off a college education and saving for two retirements is tough," Mr. Abrams says. "We need to buy new appliances and paint the house, but we also want our first vacation in two years."

Each choice will cost about $2,000. "If we killed off the credit cards, we could wipe out the college loan faster, then pay for the car and have an extra grand a month. That would really put us ahead."

How can parents avoid the two-income trap Warren and Tyagi describe? Sending Mom home is not the answer, they insist. Most families cannot afford to live on one salary. Instead, the authors advise couples to try to pay fixed expenses - mortgage, car, preschool tuition, health insurance - from one salary.

Other remedies require policy changes. Warren and Tyagi call for reregulating mortgages to require larger down payments for first-time home buyers. These have shrunk from an average of 18 percent in the mid-1970s to about 3 percent today.

They propose public school vouchers, allowing parents to choose schools, thus freeing them from the need to live in high-priced neighborhoods.

And they rail against usurious practices by credit-card companies, proposing caps on high penalties for late payments.

"Bankers who wear $3,000 suits and starched shirts are now charging interest rates that Jimmy the Leg-breaker didn't charge 25 years ago," Warren says. "Nobody sounds the alarm.

The consequence is a wealth transfer of tens of billions of dollars every year from middle-class families to a handful of big banks."

A new study by Demos, a nonpartisan public-policy group in New York, supports that view. In the 1990s, the report finds, the average family's credit-card debt rose by 53 percent; middle-class families saw a 75 percent increase in that debt. For very low-income families, the figure shot up to 184 percent.

"Deregulation of the credit-card industry has allowed companies to take advantage of tough economic times," says Tamara Draut, coauthor of the study, "Borrowing to Make Ends Meet." The group wants Congress to rein in aggressive lending practices.

Whatever a family's economic challenges, they can be compounded by a cultural silence about money. Tyagi calls financial distress "the last great taboo."

She notes that people will go on nationwide television and talk about intimate details of their lives, but they won't tell their own families that they're getting calls from collection agents who want to repossess the car.

Ashamed of financial problems

In a study conducted by the authors of more than 2,000 families in financial trouble, more than 80 percent said they didn't tell anyone, even when their difficulties stemmed from a job loss or illness, rather than overconsumption.

Many financial planning books ignore this kind of domestic fiscal crisis. "They tell how much to put in your 401(k), how to choose an IRA, but they tend to leave out the folks who are trying to decide whether to pay the health insurance or the car insurance," Tyagi says.

To those facing heavy debts, she offers reassurance, saying, "You're not alone. There are families at the PTA, at church, at work who are in just as much trouble as you are. They just don't talk about it."

Emphasizing that most of those in financial straits are not immoral people trying to sneak away from their debts, she says, "It could happen to any of us. Families must try to overcome that shame and talk about it." (SPA)

[ Last edited by AILIOMLELE on 18-9-2003 at 02:24 PM ]
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sailorvenus This user has been deleted
Post time 24-2-2005 01:04 PM | Show all posts
assalamualaikum dan salam sejahtera ...

ni saya nak tanya sikit buleh??

ada tak kes PENJAMIN kena istihar MUFLIS???

dan apa effectnya pada kerjaya??


nak sampai ker takat isytihar muflis, apa dia punya step-step atau tempoh jangkamasa dari notis tuntutan??  soalan nih adalah untuk kes PENJAMIN..

kawan nih ada jadi penjamin pada kawan buat pinjaman PENDIDIKAN BANK RAKYAT Al-FALAH!!!!

tapi yang pinjam tuh dah menghilangkan diri tak dapat dicontact...(losy in space)

so..kalo notis tuntutan untuk bayar dah sampai....apa nak buat??

dan satu lagih.....adakah nama penjamin tuh akan diBLACKLISTED sama bila surat mahkamah sudah dihantar pada peminjam....(apa effectnya pada penjamin???


HARAP sesapa dapat bantu.....eekkk....kawan nih baru kijo ngan gomen.....
kang tak pasal-pasallah pulak kena gantung keje...

TOLONG gue!!!
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mailkulup This user has been deleted
Post time 25-2-2005 11:54 PM | Show all posts
nak cuba jawab....
hihihihih.... jgn marah aaaaa...

Originally posted by sailorvenus at 24-2-2005 01:04 PM:

ada tak kes PENJAMIN kena istihar MUFLIS???


ada... dan banyakkkkkk...

dan apa effectnya pada kerjaya??

[/quote]

kena tengoklah perjanjian kerja dia ngan majikan
kalau perjanjian kata kalau bankrap dia kena blah... maka kena blahlah...

kakitangan kerajaan pun sama
tapi kawan saya kat pejabat bankrap kata tak pernah ada ktangan kerajaan kena buang sebab bankrap...
kalau dia bohong saya pun bohonglah... hiihihihihih

nak sampai ker takat isytihar muflis, apa dia punya step-step atau tempoh jangkamasa dari notis tuntutan??  soalan nih adalah untuk kes PENJAMIN..


peminjam ngan penjamin sama jer tarap dia
kalau peminjam tak bayar penjamin yg jamin nak bayar
so kira samalah tuh.... kan?

katalah dua-dua tak bayar... so bank akan buat gini... dia guna loyarlah...

1. bagi notis tuntutan pada dua2
2. peminjam tak bayar penjamin tak bayar, bank saman court.. dua2 sekali jalan
3. mana yg tak jawab saman, court bagi penghakiman ingkar kehadiran
4. kalau lawan saman ding dong ding dong bicara mungkin boleh menang... kalau ada defen yg baiklah... takda kalu court kasi rejek itu lawan dan kasi ok itu saman.

katalah dua-dua kalah sebab memang ada hutang apa nak ngelaknya...
bank akan bagi dua2 tuh penghakiman court suruh bayar
kalau salah sorang bayar atau dua2 bayar kira oklah
kalau takda sapa bayar bank mungkin ambik tindakan bankrap

camna tuh?
cenggini...

dia bagi notis kebankrapan pada setiap sorang
notis nih mahkamah tinggi yg keluarkan
tindakan bankrap ini asing2 tak campur cam saman
tiap sorang kena tindakan masing2
dalam notis tu dia beri tempoh sekian2 untuk settlekan hutang
kalau tak bayar maknanya orang tuh melakukan `perbuatan kebankrapan'...

kalau masih tak bayar juga, bank dalam tempoh 6 bulan selepas tarikh `perbuatan kebankrapan' itu akan buat permohonan untuk sahkan yg dia tuh bankrap
dokumen permohonan tu dinamakan `petisyen pemiutang'
kalau tak ada bangkangan drp yg hutang tadi, atau kalau ada bangkangan tapi mahkamah tolak..... maka jatuhlah hukuman bankrap...
bankraplah dia..... dan segala halehwal dia terutama kewangan dan harta akan diuruskan oleh pegawai insolvensi (peg.pemegang harta)

begitulah adanya...

so..kalo notis tuntutan untuk bayar dah sampai....apa nak buat??


bayar!
:bgrin:


dan satu lagih.....adakah nama penjamin tuh akan diBLACKLISTED sama bila surat mahkamah sudah dihantar pada peminjam....(apa effectnya pada penjamin???


yep... dua2 kena blacklist
sebab bila bank saman dua2 sekali dia saman.....

HARAP sesapa dapat bantu.....


ok.... dah bantu.
cukup?

pesanan ringkas pada yg membaca:
kalau mailkulup silap sila betulkan.....
:lebai:
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sailorvenus This user has been deleted
Post time 26-2-2005 07:50 AM | Show all posts
tima kasih mailkulup atas bantuan anda...........

mmmm.....camner pulak kalo surat saman itu tak sampai pada kita?

maksudnya, kawan tahu surat saman dihantar bila kawan call bank tanya pasal status pembayaran peminjam.

dan bank maklumkan pada kawan bahawa surat saman kepada peminjam dah dikeluarkan pada Januari lepas. dan dia kata dalam masa setahun akan amik tindakan pada penjamin pulak.

kawan tak tau pun bank hantar surat saman, kawan tau pun lepas kawan call bank......aishmen.....poning den......

kita niat baik nak tolong dia belajar,...dia buat hal camnih plak........

so...adakah kawan akan dipersalahkan dengan ingkar kehadiran, sedangkan surat saman tuh tak sampai pun pada kawan???

tima kasih....wassalam.
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Post time 26-2-2005 08:38 AM | Show all posts
Originally posted by mailkulup at 25-2-2005 10:54 PM:
nak cuba jawab....
hihihihih.... jgn marah aaaaa...



ada... dan banyakkkkkk...


kena tengoklah perjanjian kerja dia ngan majikan
kalau perjanjian kata kalau bankrap dia kena ... [/quote]

Tp kalo jumlah hutang tu tak sampai RM30000 ....according to the new act...muflis tak boleh diishtiharkan ....betul kan???:ah::ah:

Tp Pihak Bank masih boleh blacklist kan nama peminjam dan poenjamin...meaning that...payah le nak apply mana2 loan until nama kita tu di deblaclisted kan??:hmm::hmm:

Aku ader dgr gak ..once your name has been blacklisted...you kene surrender all you credit card...ayooo..susah ler ini macam kan....

Aku skang berada dalam dilema ni...sampai aku kene byr untuk penjamin yang cam haprak bangkai B*bi tu....nf:nf:nf:
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Post time 2-11-2007 01:29 AM | Show all posts

Bankrapsi

nk tau jika sesaorang tu diistiharkan jadi Bankrapsi apa yg akan terjadi pada dia?

Harta benda?
Perniagaan?
Saham?
Simpanan?
Hutang?
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Post time 2-11-2007 06:44 PM | Show all posts
1 hari aku tunggu jwpnya.....:time:
takpe, sabar tu 50% dpd IMAN.
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Post time 5-11-2007 01:23 AM | Show all posts

Reply #1 bizsari's post

xsilap kalau istihar bankrupt kene pi courd dulu...dah sah bankrupt br kene tahan semua mende2 tu...

kalau nak lepas dr istihar bankrupt kene tungu 5 year arr
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Post time 7-11-2007 10:45 AM | Show all posts
Dah x layak utk hold, own ape2 property sndiri...
Boleh rujuk kat sini http://forum3.cari.com.my/viewth ... &extra=page%3D4

Hutang tetap kena byr maaa...
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Post time 9-11-2007 10:32 PM | Show all posts
Originally posted by mulberi at 7-11-2007 10:45 AM
Dah x layak utk hold, own ape2 property sndiri...
Boleh rujuk kat sini http://forum3.cari.com.my/viewth ... &extra=page%3D4

Hutang tetap kena byr maaa...


tapi Mulberi .. aku klik takde ler?
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Post time 10-11-2007 05:30 PM | Show all posts
WHAT ARE THE RESTRICTIONS ON ME AS A BANKRUPT ?

1)Once you have been adjudged a bankrupt, you cannot hold certain public offices. Bankruptcy damages your standing in the community.

2)The Official Assignee will administer all your assets, trace and monitor your conduct. Your assets will be disposed to pay the costs and creditors. The Official Assignee may also recover property if you disposed of it in a way which was unfair to your creditors.

3)It is a offence for you to obtain any credit either alone or with others. You are not allowed to conduct business be it directly or indirectly in a different name from that in which you were made bankrupt.

4)You cannot be concerned in any promotion or managing a company without the permission from the Official Assignee.

5)Travel restrictions would come into force and you will lose your passport. You can obtain a passport under some reason with the permission of the Official Assignee.

6)You can only open a bank account with the approval of the Official Assignee for crediting your monthly income. Certain conditions and limitations will be imposed.

7)The court may order you to pay part of your wages or income to the Official Assignee if your income is more than you need to live on.

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Post time 11-11-2007 03:15 AM | Show all posts

Reply #6 zerozone's post

:handshake: :handshake:
thank You, So much
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Post time 11-11-2007 03:28 PM | Show all posts

Reply #5 bizsari's post

Sowi yekk.. takdek plak.. tapi mulberi pun pernah bukak topic muflis kat sini dulu.. carikla..
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Post time 11-11-2007 03:39 PM | Show all posts
dah jumpa
tk:handshake: :tea:
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Post time 13-11-2007 04:33 PM | Show all posts
Welkam... Err.. ade satu lagik nk tanya pd sape2 yg arif.. Boleh tak seseorg yg dah bankrap tu tunaikan/ masukkan cek dia dlm akaun bank tanpa sebarang masalah? Let's say, dia dpt cek berjumlah RM3K atas nama dia. So kalau dia tunaikan atau bank in cek tu, pihak bank takkan buat ape2 ke?
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Post time 13-11-2007 05:35 PM | Show all posts

Reply #57 mulberi's post

saye tidak arif...tp kan da ade yg tulis kt atas tuh, OA akan pantau account bangkrap...bangkrap x leh suke2 withdraw duwet die...

so in case die deposit ceq dlm account die, stil die x bley enjoy RM3K tu suke2 ati die kn... rasenyer bank x kaco kalu nk bank in duwet/ceq...
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Post time 16-11-2007 10:03 PM | Show all posts
tak boleh.  pasal hak ke atas duit tu bukan pada anda, tapi Official Assignee.

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Post time 20-11-2007 11:29 AM | Show all posts
macamana nak cek seseorang tu bankrap @ tak? katakan bakal rakan kongsi @ bakal pekerja?
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