Ngaba uyazi ukuba ngubani umqokeleli wetyala?
Xa iibhanki kunye namanye amashishini anenkathazo yokuqokelela ukuhlawulwa kwabathengi, baqesha i-arhente yokuqokelela amatyala ukuqokelela ityala.
Naliphi na abaqokeleli beetyala abakhetha ukuyenza ukuze baphishekele ityala, kufuneka bahlale behlala kuMthetho woTyala loTokelo lweMatyala .
Iingxowa-mali ezingakhokhelwa zihlawulwe kwingxelo yakho yeekhredithi, ziphazamise umlinganiselo wakho wekhredithi , kwaye ikugcine ekufumaneni amanye amakhadi-mboleko, iimali-mboleko, imisebenzi kunye namafulethi.
Ingaba umqokeleli ubiza ngexesha leexesha elivumelekileyo?
I-FTC ifumana amakhulu yezikhalazo malunga nabaqokeleli ababiza ngaphandle kwexesha elivumelekileyo. Kungenzeka ukuba kukho iziganeko ezingaphezulu kwezi fowuni ezingekho mthethweni; abathengi abanakho ukukhalaza kwi-FTC ngabo
Abaqokeleli bematyala banokukubiza kuphela ngamaxesha athile omhla. Ukuba umqokeleli ubiza ngaphandle kwala maxesha, uphula umthetho we-FDCPA.
Ngaba ufuna ukuba umqokeleli wetyala ayeke ukubiza?
Unelungelo lokuyeka iifowuni zokuqokelela amatyala . Isicelo phezu kwefowuni asanele, nangona kunjalo. Ukugcina umqokeleli ekubizeni, yenza isicelo sakho ngokubhala. Thumela ukuyeka kwaye unqande incwadi ebhekisela kumqokeleli ukuba angaqhagamshelani nawe.
Gcina ukhumbule ukuba ukuyeka nokuyeka iileta kusebenza kuphela kuloo mqokeleli othile. Uya kufuneka uthumele ileta eyahlukileyo kwi-arhente nganye yokuqokelela eyokubiza.
Ngaba ityala lakho?
Musa ukuthatha ngokungathandekiyo ukuba ityala ngokwenene lingelawe nje ngenxa yokuba umqokeleli wetyala uthe njalo. I-Bonders Protection Protection Bureau ithi enye yezikhalazo eziphezulu malunga nabaqokeleli beetyala kukuba ziqokelela ityala elingalunganga kumntu ongafanelekanga.
Unelungelo lokucela umqokeleli wetyala ukuba aqinisekise ukuba ityala ngokwenene kwaye lilungelo lokuliqokelela. Oku kuthetha ukuba kufuneka banikeze uhlobo oluthile lwamaxwebhu avela kumbolekisi bokuqala. Ukuba umqokeleli akakwazi ukubonelela lo bungqina, abakwazi ukuqokelela kuwe.
Unomlinganiselo othile wexesha lokusebenzisa eli lungelo, ngoko thumela isicelo sakho sokuqinisekisa ngokukhawuleza xa umqokeleli edibanisa naye okokuqala.
Ingabe ummiselo wokunciphisa uphelile?
Ummiselo wemingcele yimalini yexesha umqokeleli weetyala angakugweba ngokusemthethweni ngetyala lokugqithisa. Ummiselo wemingcele uhluka ngobuso kwaye ngokuqhelekileyo uhamba ukusuka kwiminyaka emithathu ukuya kwimithandathu. Abaqokeleli-matyala bangazama ukukugweba nangona ummiselo wokukhawulelwa usuphelile, kodwa kufuneka uqinisekise, enkundleni, ukuba ixesha lesigwebo liphelelwe lixesha ukuxothwa kwecala.
Ngaba umqokeleli waphule amalungelo akho?
Kukho inani lezinto abaqokeleli bematyala abanako ukwenza. Ngokomzekelo, abanakukucela ukuba uhlawule ngaphezu kokuba uhlawulise kwaye abanako ukusongela ukuba bakugwebe ukuba abanako okanye abanako. Ukuba umqokeleli uphule amalungelo akho, unokuzibophelela ngokubangela ukulimala kunye kunye ne-$ 1,000 kwizilungelo zokugweba.
Ngaba ufanele uhlawule ityala?
Ukuba ityala lidala, lithetha ngaphezu kweminyaka emashumi asixhenxe ubudala, unokwakhohlwa nje ngalo. Emva koko, ummiselo wemingcele kunye nomda wexesha lokubika ngetyala kungenzeka ukuba uphelile. Kukho izibophelelo zokuziphatha, ukuba nazo. Ukuhlawula into omele uyenze ngayo into efanelekileyo.
Ngaba unako ukuhlawulwa kwetyala kwi-credit report?
Ukuba ukuqokelela kuvela kwingxelo yakho yeekhredithi, kulunge ukuba umlinganiselo wakho wekhredithi uyisuswe. Abanye abaqokeleli baya kususa ukuqokelela ngokutshintshela intlawulo. Abanye banqwenela ngokugcina iqoqo kwingxelo yakho. Xa unako ukukholisa umqokeleli ukuba asuse ukungena kwi-credit report yakho, qiniseka ukuba ufumana isivumelwano ngokubhaliweyo. Ngale ndlela unokunyanzela umqokeleli ukuba abambe isiphelo salo mcimbi.