Nā Kū'ē Kū'ē Kū'ē
ʻO nā Debts i hala i ke kānāwai o ka palena palena'āina, uaʻikeʻia he mau aie i ka manawa .
Ma muli wale nō o ka halaʻana o nā aie i hala i ke kānāwai o ke kau palenaʻole,ʻaʻole ia heʻano pilikino. ʻO keʻano o ia mea,ʻaʻole e loaʻa ka hoʻokolokolo iāʻoe no ka mea nāna iʻae aku - inā hikiʻoe i ka alo o kaʻaha i hoʻomākaukauʻia me ka hōʻoia uaʻelemakule ka aie. Hiki ke hōʻoia i ka hōʻike e hōʻike ana i ka manawa hope loa i hana aiʻoe i kāu uku a i kāu mau moʻolelo pono'ī no kāu kamaʻilio .
Nā mahele o ka uku
Hoʻoihoʻia nā papapili i hoʻokahi o nāʻanoʻehā. He mea nui eʻike i keʻano o kāu aie no ka mea he likeʻole nā palena manawa no kēlā me kēiaʻano. E noi i kahi loio inā loaʻa kāu mau nīnau e pili ana i keʻano o kāu aie.
- Ua hanaʻia nā aie ma ka'ōlelo waha. Me ka papa hana waha, uaʻoluʻoluʻoe e uku i ke kālā. ʻAʻohe mea i kākau.
- ʻO nā kuʻi kākauʻia he mau'ai'ē me kahiʻaelike i kaulimaʻia eʻoe a me ka mea'ai'ē. ʻO kahiʻaelike e pili ana i nā'ōlelo a me nāʻano o ka hōʻai'ē, e like me ka nui o ka hōʻai'ē a me ka uku o ka uku. ʻO kahi hōʻai'ē kālā a iʻole paha heʻano o kaʻaelike i kākauʻia.
- ʻO A Promissory Note heʻaelike i kākauʻia e uku i kahi hōʻai'ē ma kekahi mau uku, ma kekahiʻano pānaʻi a ma kekahi lā a me ka manawa. ʻO nā hoʻoili a me nā pānaʻi haumānaʻo ia nāʻano o nā'ōlelo hoʻolaha.
- ʻO kahi Account Open i Hoʻopiʻia he helu me kahi pale kaulike e hiki ai iāʻoe ke uku a me ke noi hou. Nā kāleka kāleka, ka hōʻai'ē waihona-kūʻai, a me nā laina hōʻai'ē he mau helu i hoʻopauʻia. Inā hiki iāʻoe wale ke hōʻai'ē i ke kālā i ka manawa,ʻaʻole ia he helu helu hemo.
Ke Kumukānāwai o nā Kū'ē ma o ka Moku'āina
ʻO kēlā me kēia moku'āina kona kuleana pono'ī no nā palena ma ka hōʻai'ē:ʻo ka nui o ka manawa e hoʻoholo ai ka hoʻokolokolo iāʻoe e uku i kahi hōʻai'ē. Hoʻololi ke kānāwai o nā palena ma muli o keʻano o kāu aie - kāleka kāleka a iʻole hōʻai'ē - aʻo ia hoʻi ma waena oʻekolu a meʻeono makahiki, akā ua lōʻihi he 10 a he 15 mau makahiki ma kekahi mau māhele. Ma mua o kou paneʻana i kahi hōʻai'ē'ai'ē, eʻike i ke kānāwai no nā koina no kou moku'āina
Inā hala ka kānāwai o nā palena, hiki ke emi mai ka mea iʻoi aku ka ikaika noʻoe e uku i ka aie. Inā hala aku ka palena manawa hōʻike (kahi kūpono o ke kuhi o ke kānāwai), hiki paha iāʻoe ke noʻonoʻo e uku i ka aie.
Kaomi ma ka inoa o kou moku'āina eʻike i ke kānāwai o nā palena i ka'ai'ē.
| Moku'āina | Kaula | Ua kākauʻia | Ka hoʻolaha | E wehe |
| Alabama | 6 | 6 | 6 | 3 |
| Alaska | 6 | 6 | 3 | 3 |
| ʻO Arizona | 3 | 6 | 6 | 3 |
| Arkansas | 6 | 6 | 3 | 3 |
| Kaleponi | 2 | 4 | 4 | 4 |
| ʻO Colorado | 6 | 6 | 6 | 6 |
| Kuhikuhi | 3 | 6 | 6 | 3 |
| Delaware | 3 | 3 | 3 | 4 |
| ʻO Florida | 4 | 5 | 5 | 4 |
| Keokia | 4 | 6 | 6 | 4 |
| Hawaii | 6 | 6 | 6 | 6 |
| Idaho | 4 | 5 | 5 | 4 |
| ʻo Illinois | 5 | 10 | 10 | 5 |
| ʻO Indiana | 6 | 10 | 10 | 6 |
| Iowa | 5 | 10 | 5 | 5 |
| Kansas | 3 | 6 | 5 | 3 |
| Kentucky | 5 | 15 | 15 | 5 |
| ʻO Louisiana | 10 | 10 | 10 | 3 |
| Maine | 6 | 6 | 6 | 6 |
| ʻo Maryland | 3 | 3 | 6 | 3 |
| Massachusetts | 6 | 6 | 6 | 6 |
| Michigan | 6 | 6 | 6 | 6 |
| ʻO Minnesota | 6 | 6 | 6 | 6 |
| Mississippi | 3 | 3 | 3 | 3 |
| Missouri | 5 | 10 | 10 | 5 |
| Montana | 5 | 8 | 8 | 5 |
| Nebraska | 4 | 5 | 5 | 4 |
| Nevada | 4 | 6 | 3 | 4 |
| ʻO New Hampshire | 3 | 3 | 6 | 3 |
| ʻO New Jersey | 6 | 6 | 6 | 6 |
| New Mexico | 4 | 6 | 6 | 4 |
| Nuioka | 6 | 6 | 6 | 6 |
| North Carolina | 3 | 3 | 5 | 3 |
| North Dakota | 6 | 6 | 6 | 6 |
| Ohio | 6 | 15 | 15 | 6 |
| Oklahoma | 3 | 5 | 5 | 3 |
| Oregon | 6 | 6 | 6 | 6 |
| Pennsylvania | 4 | 4 | 4 | 4 |
| ʻO Rhode Island | 15 | 15 | 10 | 10 |
| South Carolina | 3 | 3 | 3 | 3 |
| South Dakota | 3 | 6 | 6 | 6 |
| Tennessee | 6 | 6 | 6 | 6 |
| ʻO Texas | 4 | 4 | 4 | 4 |
| Utah | 4 | 6 | 6 | 4 |
| ʻO Vermont | 6 | 6 | 5 | 3 |
| Virginia | 3 | 5 | 6 | 3 |
| ʻO Washington | 3 | 6 | 6 | 3 |
| West Virginia | 5 | 10 | 6 | 5 |
| Wisconsin | 6 | 6 | 10 | 6 |
| ʻO Wyoming | 8 | 10 | 10 | 8 |