有幾個破產問題想問

just4me · 发表于 27-11-2010 17:02:17

本來想下個月申請破產, 但有一個好大既問題唔知點算, 就係我爸爸五年前買左間屋但寫我個名, 呢五年間屋係佢一手一腳租出去及收租佢自己用, 我一毫子都無收過, 反而我要幫佢比大廈維修費. 直到今年六月佢將間屋賣左 (連臨時買賣合約都係我爸爸簽, 我只係去律師樓簽個名既角色) , 扣除之前我偷偷地用間屋按左70萬還卡數後, 仲有大約30萬左右收返, 不過呢條尾數係律師樓收票後, 張票入都無入我戶口就轉數比返我爸爸. 由頭到尾間屋都唔係我既錢去買, 買左後對我都無收過利益, 賣左剩既錢比返哂佢. 而家我仲欠成30萬數, 兩個月前申請 drp 後而家每個月還$8,000, 每月還錢, 交租後屋企一家三口得返唔夠$2,000, 就係呢 $2,000用黎食飯, 買奶粉及生活開支, 唔夠錢用就要問朋友借錢渡日. 如果我申請破產時照直咁解釋法庭會唔會接受呢? 真係唔想每個月還哂錢後無錢開飯, 無錢買奶粉!

mochida_elt · 发表于 27-11-2010 17:32:14

如果所有錢係冇過你手，當然冇問題，你只係託管人既角色。

但你最好準備定所有有關既錢銀記錄，同埋你最好搵律師代辦破產程序。

lulumason · 发表于 27-11-2010 17:43:34

申先你可以致電去Ｄ律師樓查詢一下如冇題他們会說可以做若自己做就問破產處但如你所述的一切是真的你可能要交待清楚錢的何去何從若証明不是入你袋而你現在真的生活出了大問題相信不会有問題是留意申破前三(六)个月不要問銀行或財仔借錢官可能惗你係申破避債我是用不用我上庭見官的律師公司申破的

just4me · 发表于 27-11-2010 18:33:02

多謝兩位回覆, 當日係律師樓收返賣屋既尾數後, 老豆仲擔心我攞埋d尾數還自己卡數, 要即刻轉數唔比入票入我戶口要即刻轉數. 如果係咁申請唔到破產就真係累死我嘞!

mochida_elt · 发表于 27-11-2010 18:36:42

4# just4me

個過程可能會煩少少，不過絕對唔會申請唔到破產。

just4me · 发表于 27-11-2010 19:13:28

真係幾複雜, 雖然件事係真, 不過要解釋都幾複雜. 原來當時張票轉數都會係我銀行戶口顯示出黎, 即係真入票即轉走, 最慘係我爸爸收到個三十萬尾數後搵朋友個名買另一間屋, 條尾數係轉去律師樓比佢買樓, 咁樣睇真係好似資產轉移, 我係當時人先信自己. 真係擔心咁樣申請唔到破產, 就算申請到都可能會比破產署告我資產轉移. 好慘!

mochida_elt · 发表于 27-11-2010 20:08:20

6# just4me

如果d錢係你爸爸既，到最後咪最多要麻煩你爸爸出來聲明或澄清一d野。

o個d錢如果唔係你既，又點會構成非法資產轉移??

just4me · 发表于 27-11-2010 22:40:45

6# just4me

如果d錢係你爸爸既，到最後咪最多要麻煩你爸爸出來聲明或澄清一d野。

o個d錢如果唔係你既，又點會構成非法資產轉移??
mochida_elt 發表於 2010-11-27 20:08

但係我唔想比佢知我攪破產,而且佢當初買間屋寫我個名係因為佢申請緊公屋,都唔知點算好.有無朋友有類似既情況呢?

mochida_elt · 发表于 27-11-2010 23:58:23

8# just4me

你而家冇得選擇。一定要申請破產先。

至於你o個d問題，我講既只係最壞既可能。所以建議你搵律師搞，就係有咩問題可以問律師。

301 · 发表于 29-11-2010 13:18:41

8# just4me

係呀,
無錯,
同意,
如申請破產應無問題,
並唔會因呢單"資產轉移"影响不批.
因你有保存各紀錄乃最有力証據,
並非落你袋也.
祇不過破後主任可能追問要解釋一下,
真有可能知會你爸確認,也許難免.

其次,
你應有其他因素至係申破原因.
DRP係浪費金錢及時間之舉.
唯有益下律師代辦喇.

lok196305 · 发表于 29-11-2010 14:57:31

同意301見解~我破前一年戶口有過千萬啦~投資蝕晒~一樣破得!

bb_q_888 · 发表于 29-11-2010 15:42:39

本帖最後由 bb_q_888 於 2010-11-29 15:45 編輯

但係我唔想比佢知我攪破產,而且佢當初買間屋寫我個名係因為佢申請緊公屋,都唔知點算好.有無朋友有類似既情況呢?
just4me 發表於 2010-11-27 22:40

你唔好諗咁多,你破產又唔需要講你父親私事,
只需要講你買樓d錢係佢出,所以買左就退返比佢.
如果有(賣樓時)過數記錄就更好.

你父親可能要作証(証明有呢件事),你都唔想佢收到破署信大吃一驚.
你老實d同佢講啦~

just4me · 发表于 29-11-2010 23:05:06

其實當初攪drp係因為安信叫收數公司收,唯有用最平及快方法而用drp.點知安信批drp但利率無減,如果當時我唔接受,佢實要我即刻還哂,十九萬數每月平息1.5%分80期,而hsbc及大新都批我drp年息8%,供drp交埋租後又要還錢比老豆,還完得返二仟都無,一家三囗食飯錢都唔夠,所以先打算破產,保障太太及個女生活,唔知到時主任見我攪過drp會唔會信我曾經嚐試過還債呢?

mochida_elt · 发表于 30-11-2010 00:25:27

13# just4me

主任唔會理你有冇嘗試還債，主任對住咁多case咁多野做邊會王你有冇心還。

總之你破左之後，安安份份，冇咩事唔好麻煩佢，佢就唔會理你。

更何況，未必一定係主任跟，有可能係外判呢.....到時就........{:4_183:}

just4me · 发表于 2-3-2011 21:01:20

唉, 2月頭法庭出左破產令, 暫時由破署主任跟, 今日收到破署信話之前我賣左間屋而家破產係對債權人不公平, 要我21日內還返賣樓後尾數出黎, 入紙時都已經交代清楚d數係爸爸, 但都要我還個幾十萬尾數比破產署, 我有呢筆錢就唔使破產啦, 都唔知點算.

lulumason · 发表于 2-3-2011 22:01:46

you have gving your answer. Tell the true to the court see what they think.

just4me · 发表于 2-3-2011 22:24:10

you have gving your answer. Tell the true to the court see what they think.
lulumason 發表於 2011-3-2 22:01

入紙後法庭已經問左我一次, 我之後再去律師樓宣誓左相同事實多次比法庭, 但今日收到破署信要我21日入還賣樓後既餘數或解釋, 唔通又要做多次宣誓? 如果我還到筆錢比破署使咩申請破產呢, 係唔係破署循例要出呢封信要我解釋多次呢?.雖然呢個係事實, 但要解釋及當中真係好令人憂心.

mickey7100 · 发表于 3-3-2011 09:32:42

入紙後法庭已經問左我一次, 我之後再去律師樓宣誓左相同事實多次比法庭, 但今日收到破署信要我21日入還賣樓後既餘數或解釋, 唔通又要做多次宣誓? 如果我還到筆錢比破署使咩申請破產呢, 係唔係破署循例要出呢封信要 ...
just4me 發表於 2011-3-2 22:24

同意師兄講,如果呢個200%係事實你憂都冇用,就算宣誓幾多次只要你講既係事實就唔怕.「如果我還到筆錢比破署使咩申請破產呢」---依家佢地就係唔信你ma{:4_180:}

just4me · 发表于 3-3-2011 10:46:23

I don’t know.....I think it is kind of amazing as well as not being logical.
CPKing 發表於 2011-3-3 10:19

Well, this had been my concern about selling the property before I submitted my bankrupcy application. First, I didn't pay any cent for the property as the money was paid by my father. He wanted me to hold the property for him as he had been resided in China for the last 10 years. Since the property was under my name, I was responible for the building maintenace fee. So, I applied for maintenance loan and paid 2 instalments before the property was sold. Since the each instalment was about $200 so I didn't bother to ask my father to pay me back. Somehow my father found that I refinanced the property for paying off my debt without his acknowledge so he decided to sell the property. That he could get the remaining balance. That's why I had to pay the balance back to him after completion.

just4me · 发表于 3-3-2011 19:59:45

23# just4me

1) Well, this had been my concern about selling the property before I submitted my bankrupcy application.

2) First, I didn't pay any cent for the property as the money was paid by my ...
CPKing 發表於 2011-3-3 11:16

No worry, I already discussed with the officer of ORO. They replied that since I already notified them the selling of the property so they had to send me letter for further clarification. Just have to make a statement and declare at HAD and submit documentation to them for their record/consideration.

For the maintenance loan, it was form URA but not bank. The loan already settled when the property was sold when completion.

Just have to ask father to find his passbook for evidence.

		自动登录	找回密码
密码			註冊