Sib Yuav thiab Nuj Nqis Hauv Minnesota

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Daim ntawv qhia no tham txog thaum twg thiaj yog koj luag haujlwm los them koj tus txij nkawm lossis qub txij nkawm cov nuj nqis.

Daim ntawv qhia lus tseeb no yog muaj lus qhia txog kev sib yuav thiab cov nuj nqis. Yog koj koom muaj nuj nqis nrog lwm tus tabsis tsis sib yuav, saib peb daim ntawv qhia Cov Khub Tsis Sib Yuav, Nuj Nqis, thiab Vajtse.

Kuv tus txij nkawm tiv nyiaj ua ntej wb sib yuav. Kuv puas yuav tau them cov nuj nqis ntawd?

Tsis tau. Tsis yog koj lub luag haujlwm them tej nuj nqis koj tus txij nkawm muaj ua ntej neb sib yuav. Qhov no muaj tseeb txawm tias qhov nuj nqis yog ib yam koj siv – xws li koj tus txij nkawm lub tsev nws yog tus tswv koj nyob tamsim no. Tagnrho tej nuj nqis koj tus txij nkawm nqa los thaum neb sib yuav yog nws li nkaus xwb.

Muaj tseeb tib yam li ntawd rau koj thiab. Cov nuj nqis koj muaj ua ntej neb sib yuav yog koj lub luag haujlwm thiab yuam tsis tau kom koj tus txij nkawm them rau lawv.

Leejtwg lav phij xauj them cov nuj nqis sib koom?

Yog koj thiab koj tus txij nkawm neb qiv nyiaj ua ke, ces neb ob leeg lav phij xauj them nws rov qab. Tsis hais leejtwg siv cov nyiaj lossis tau khaws cov khoom siv qhov nyiaj qiv yuav. Yog neb ob leeg npe nyob hauv qhov nyiaj qiv, ces yog neb ob leeg kev lav phij xauj.

Yog koj thiab koj tus txij nkawm ua ib daim “credit card” ua ke, ces neb ob leeg lav phij xauj them rau tagnrho cov khoom siv daim card yuav. Koj lav phij xauj rau daim card muaj ua ke txawm tais koj tsis pom zoo rau lossis tsis paub tias siv daim card yuav qhov khoom.

Tabsis, tus “tso cai siv” txawv. Yog koj muaj daim credit card thiab muab rau lwm tus yog tus “tso cai siv,” ces koj lav phij xauj rau qhov nuj nqis, tsis yog tus “tso cai siv.”

Yog koj sib nrauj, neb ob leeg yeej tseem lav phij xauj rau qhov nyiaj qiv txawm yog tias tsuas yog ib leeg khaws cov khoom xwb.

Tsuas koj lub npe nyob ntawm qhov nuj nqis ces koj yeej tau lav phij xauj. Yog koj muaj nuj nqis sib koom nrog lwm tus thiab nws tsis them, koj yuav tsum them tas zog tagnrho kom tiv thaiv

koj qhov keebkwm tiv nqi. Koj mam sim muab qhov nyiaj no rov qab los ntawm koj tus txij nkawm qub yog tias koj daim ntawv sib nrauj kawg los ntawm tsev hais plaub hais tias koj tus txij nkawm qub muaj ib txoj kev lav phij xauj rau qhov nuj nqis. Khaws ntawv povthawj tias koj them tagnrho cov nqi lawm.

Yog tsis muaj dabtsi txog qhov nuj nqis hauv daim ntawv sib nrauj ces koj mam sim seb puas tau ib qho nyiaj rov qab hauv tsev hais plaub pej xeem sib foob nyiaj txiag, tabsis tej zaum yuav ua nyuaj. Saib peb daim ntawv qhia, Chav Hais Plaub Pej Xeem Sib Foob.

Cov nuj nqis dabtsi ua ib tug txij nkawm npe xwb tabsis ob leeg tau lav phij xauj rau?

Muaj tej co nuj nqis tshwm sim thaum koj sib yuav uas neb ob leeg tau lav phij xauj tau – txawm yog tias nws ua koj tus txij nkawm lub npe xwb thiab txawm tias koj tsis paub txog lawv li.

Khoom rau Tsev Neeg thiab Vajtse
Neb ob leeg lav phij xauj rau tej nuj nqis rau tej khoom yuav tsum muaj rau lub tsev uas siv los ntawm tsev neeg. Piv txwv, yog koj tus txij nkawm yuav lub qhov cub uas koj tsev neeg siv, neb ob leeg lav phij xauj them qhov nqis ntawd.
Nqi Kho Mob
Neb ob leeg lav phij xauj rau neb cov nqi thiab kev siv rau kho mob. Yog koj tus txij nkawm tiv nyiaj rau kho mob thaum neb tseem sib yuav, ces koj kuj lav phij xauj them tus nqis thiab.
Lwm Cov Nqi
Neb ob leeg lav phij xauj rau lwm cov nuj nqis muaj koj tus txij nkawm npe nkaus xwb yog tias koj xee npe rau daim ntawv cog lus kam them cov nuj nqis. Qee zaus qhov no hu ua sau-npe-nrog (co-signing). Yog koj tsis xav kom lav phij xauj, tsis txhob tso koj lub npe rau qhov nuj nqi.

Qee zaus koj tsis tas them cov nuj nqis uas tsis muaj koj lub npe rau hauv. Piv txwv, yog koj tus txij nkawm qiv nyiaj rau lub maus taus muaj nws npe xwb, ces koj tsis tau lav phij xauj tsuas yog tshe koj xav kom muab lub maus taus ua koj tug.

Kuv puas tseem tau lav phij xauj rau cov nqi kho mob thiab nqi siv ua neej thaum wb sib cais lawm?

Yog neb sib cais lossis tsis nyob ua ke lawm, koj tsis tau lav phij xauj rau koj tus txij nkawm cov nqi kho mob lossis nqi siv rau vajtse uas tshwm sim tom qab neb sib cais.

Koj tseem tau lav phij xauj rau cov nuj nqis tshwm sim thaum neb tseem nyob ua ke. Piv txwv, yog koj tus txij nkawm toobkas kho mob ob zaug, ib zaug thaum neb tseem nyob ua ke thiab ib zaug tom qab neb sib cais lawm, tej zaum koj tau lav phij xauj rau qhov nqi xub thawj, tabsis tsis tau rau qhov tom qab.

Yuav ua li cas thiaj qhia tau tias wb sib cais lawm?

Ua cas rau wb cov nuj nqis muaj ua ke yog wb sib nrauj?

Thaum koj sib nrauj, tsev hais plaub ua daim ntawv txiav txim hu ua “divorce decree” daim ntawv sib nrauj. Daim ntawv “sib nrauj” muaj tus kws txiav txim qhov lus txiav txim txog cov nuj nqis. Tus kws txiav txim yuav txiav txim siab seb leejtwg yog lav phij xauj rau cov nuj nqis. Piv txwv, tej zaum koj yuav tau them tagnrho lossis ib qho ntawm cov nuj nqis uas muaj koj tus txij nkawm lub npe, lossis tej zaum tus kws txiav txim yuav txiav yuav txim siab tias muab cov nuj nqis faib sib npaug rau neb ob leeg them.

Tabsis nco ntsoov: daim ntawv sib nrauj tsuas yog cuam tshuam neb xwb, tsis yog tus neb tiv nyiaj rau. Yog koj lub npe nyob hauv qhov nuj nqis, ces tus koj tiv nqis rau foob tau koj txawm hais tias daim ntawv sib nrauj tias koj tus txij nkawm qub yuav tau them qhov nuj nqis thiab.

Yog koj tau them qhov nuj nqis uas tus txiav txim hais tias yog koj tus txij nkawm kev lav phij xauj, rov qab mus hauv tsev hais plaub thiab hais kom lawv yuam kom ua raws li daim ntawv sib nrauj hais. Muab daim ntawv sib nrauj rau tsev hais plaub saib thiab muab povthawj tias koj tau them qhov nuj nqis lawm. Cov ntawv them nqi lossis tshev sau yog povthawj zoo.

Sib Rauj thiab Vajtse:
Tus kws txiav txim kuj txiav txim siab tias yuav ua li cas rau “vajtse” uas koj thiab koj tus txij nkawm yuav thaum tseem sib yuav. Vajtse yog av thiab cov tsev loj, xws li lub tsev. Neb ob leeg muaj cai kom tau tsawg kawg los ib qho ntawm cov vajtse yuav thaum neb tseem sib yuav, txawm yog tias nws muaj ib tug lub npe xwb. Yog koj xav yuav lub tsev tej zaum tus kws txiav txim yuav kom koj lav phij xauj rau them nqi tsev, se, thiab kho lub tsev.

Ua ntej koj xee cov ntawv sib nrauj, ua zoo kom koj totaub tias tiv nyiaj pestsawg rau ib lub vajtse uas tsuas muaj koj tus txij nkawm lub npe xwb. Koj thiab koj tus txij nkawm mam li pom zoo seb tus tug tau tagnrho cov cai rau lub tsev thaum sib nrauj. Yog koj tsis pom zoo, tus txiav txim mam li txiav txim thaum kawg.

Yog koj tsis xa kom lav phij xauj rau qhov nyiaj tiv rau lub tsev, tej zaum koj tsis xav yuav koj npaug ntawm lub tsev. Qhia rau tus kws txiav txim. Koj thiab koj tus txij nkawm mam li pom zoo tias cia nws tau cai tagnrho rau lub tsev thaum sib nrauj. Yog koj tsis pom zoo, tus txiav txim mam txiav txim thaum kawg.

What if my spouse took out debts in my name and I didn’t know about it?

As of January 1, 2024, a new Minnesota law has a way to help. If you didn’t know that your spouse used your information to do something like get a credit card in your name, OR if your spouse forced you or threatened you into taking out the debt (this is called economic abuse) there is now a way to ask a court to not make you pay it. You must be a victim of domestic abuse, harassment, or sex or labor trafficking to be able to ask for this relief.

You must let the creditor know in writing and give them documents that explain the situation and show why you are not responsible. These might be things like:

a police report
a fraud/identity theft report
your divorce decree, or
a sworn written statement from you to the creditor

You can ask the court to excuse you from the debt or make your spouse responsible for it. You can also ask the court to keep the file confidential if you need that to stay safe from future abuse.

This law doesn’t apply to secured debt. Secured debt is debt with “collateral.” Like a car that can be repossessed if you don’t make payments or a house that can be foreclosed on. It also only applies to new debts that happen on or after January 1, 2024. You can’t use it for old debts before then.

Divorce and Real Estate

The judge also decides what happens to “real property” you or your spouse bought during your marriage. Real property is land and buildings, like a house. You both have a right to at least part of any real property purchased during the marriage, even if it is only in one name. If you want to keep the property the judge might make you responsible for the mortgage, taxes, and repairs for the home.

Before you sign divorce papers, make sure you understand what money is owed on any real property that is in your spouse’s name only. You and your spouse can agree about who keeps all rights to the property in the divorce. If you don’t agree, the judge makes the final decision.

If you don’t want to be responsible for the money owed on the property, you might not want to claim your share of the property. Tell the judge. You and your spouse can agree that they will keep all rights to the property in the divorce. If you don’t agree, the judge makes the final decision.

Yog tus neeg sau nuj nqis hais tias kuv yuav tau them kuv tus txij nkawm qhov nuj nqis ne?

Yog tus neeg sau nuj nqis tiv tauj koj tias koj yuav tsum them qhov nqi muaj koj tus txij nkawm npe, thiab nws tsis yog nuj nqis siv rau vajtse lossis nuj nqis kho mob muaj tshwm sim thaum tseem sib yuav, qhia rau tus neeg sau nuj nqis tias Minnesota txoj cai tias koj tsis tas yuav tsum them cov nuj nqis zoo li no. Txoj kev zoo tshaj los tiv thaiv koj tus kheej ntawm tej no yog nco ntsoov muab tagnrho cov nuj nqis sau rau hauv daim ntawv sib nrauj. Ua zoo xyuas kom daim ntawv sib nrauj sau tagnrho lawv nyob hauv thiab hais tias leejtwg lav phij xauj rau lawv.

Ceev Faj: Yog koj them rau ib tug nqi uas tsis yog koj li thaum lub sijhawm ntawd, tej zaum koj yuav tau lav phij xauj rau tagnrho qhov nuj nqis ntawd mus lawm yav tom ntej.

Txawv lub xeev nyias muaj nyias kevcai. Tej zaum tus neeg kev nuj nqis nyob lwm lub xeev tsis paub Minnesota kevcai. Hais tus neeg sau nuj nqis rau lossis tus kev nuj nqis kom xa povthawj qhia tias koj yog tus lav phij xauj rau qhov nuj nqis. Tej qhov povthawj kuj yog daim ntawv nqi qhia tias qhov nuj nqis yog rau kho mob lossis yam yuav tsum siv rau vajtse. Povthawj kuj yog tau daim ntawv xee npe los ntawm koj tias koj kam them qhov nuj nqis.

Yog koj raug foob, nco ntsoov “Teb” tsev hais plaub cov ntaub ntawv. Saib peb daim ntawv qhia Yuav Ua Li Cas Yog Koj Raug Foob.

Tsis quav ntseg cov ntaub ntawd yuav ua rau tsev hais plaub txiav txim tias koj yuav tsum them qhov nuj nqis. Qhia tsev hais plaub txog Minnesota txoj kevcai thiab piav tias koj tus txij nkawm cov nuj nqis tsis yog tshwm sim rau cov nuj nqis kho mob lossis siv rau vajtse lossis tias koj tsis nrog koj tus txij nkawm nyob thaum qhov nuj nqis no tshwm sim.

Koj muaj feem ua daim ntawv “Teb” hauv online ntawm Forms (lus Askiv xwb)

Nrhiav “Debts, Fees, Deposits”
Nias rau Answer a "Summons and Complaint - Debt Collector Lawsuits”

Yog tias cov nuj nqis tshwm sim ua ntej kuv tsiv los rau hauv Minnesota ne?

Yog koj nyob lwm lub xeev yav tas los lawm, Minnesota txoj cai tsis txiav txim tias leejtwg yog tus lav phij xauj rau cov nuj nqis tshwm sim nyob lwm qhov chaw. Saib cov kevcai ntawm lub xeev koj tsiv los seb koj puav tau lav phij xauj rau ib qho ntawm koj tus txij nkawm cov nuj nqis uas tshwm sim thaum koj nyob lwm qhov chaw. Yuam tau kom koj them qhov nuj nqis hauv Minnesota yog tias ib lub tsev hais plaub nyob rau lwm lub xeev txiav txim tias neb ob leeg tiv rau qhov tawm-xeev nuj nqis.

Khaws tej ntaub ntawv nyiaj txiag kom txhij txhua. Nco tsoom sau cov yog koj li thiab qhov koj tiv thiab tsis tiv cia. Khaws cov uas koj ntiag tug thiab cov koj tiv. Khaws ntawv zoo cia yuav pab kom koj tswj tau koj cov nuj nqis, thiab tej zaum kuj pab koj qhia cov neeg tiv nuj nqis rau tias cov nuj nqis twg koj tsis lav phij xauj rau.