UMthetho Wokuqokelela Amatyala Olungeniswa Ngetyala uchaza ukuba ngabaphi abaqokelelwa ngetyala labathathu kwaye abavunyelwe ukuba benze xa beqokelela ityala kuwe. Ukwazi amalungelo akho kunye nabaqokeleli beetyala banokukugcina ubuninzi beentloko kwaye bakubambe ekuhlawuleni amatyala ongenalo myalelo onyanzelekileyo.
01 Unokucela umqokeleli wetyala ukuba ayeke ukubiza.
02 Unokucela umqokeleli ukuba abize kuphela ngexesha elifanelekileyo.
Umthetho uthi abaqokeleli ityala banokubiza kuphela phakathi kweeyure eziyi-8 ukuya ku-9 ntambama. Kodwa, ukuba kukho elinye ixesha elingakulungelekanga, umzekelo phambi ko-10 ekuseni ngenxa yokuba usebenza ekutshintsheni kwexesha elidlulileyo, makhele ukuba umqokeleli wetyala awazi kwaye thintela ukubiza wena ngelo xesha.
03 Unokucela umqokeleli ukuba aqinisekise ityala.
Kungekudala emva kokuqala ukudibana nawe, umqokeleli wetyala kufuneka ukuba akuxelele ilungelo lakho lokuphikisana nokusebenza kwetyala. Emva koko, unemihla engama-30 ukuthumela ityala lokuqinisekiswa kwetyala elicela ubungqina bokuba ityala lakho lenu. Emva kokufumana ileta yakho, umqokeleli makabeke umsebenzi wokuqokelela kuze kube yilapho esithumele ubungqina.
04 Iingqokelela ezingabonakaliyo zingachaswa.
I-Fair Credit Reporting Act ithi kuphela ulwazi oluchanileyo, olufike ngexesha, nolungqinisisiweyo lunokuvela kwingxelo yakho yekhredithi. Thumela impikiswano yengxelo yekhredithi kwi-bureau ye-credit ukuze ube neakhawunti eqokelekileyo yokuqokelela kwi-akhawunti yakho ye-credit. Ukulandelelana ne-arhente yokuqokelela ukuba ingxabano ye-credit bureau ayiphumelelanga.
05 Unelungelo lokumisa iifowuni kumsebenzi wakho.
Abaqokeleli bematyala abakwazi ukukubiza emsebenzini xa beyazi okanye bafanele bazi ukuba awuvunyelwe ukufumana ezo ntlobo zeefowuni emsebenzini. Mxelele nje umqokeleli ukuba angabibizi umsebenzi okanye uthumele ileta ukuba ufuna ukuba isicelo sakho sibhale.
06 Unelungelo lobumfihlo malunga namatyala akho.
Abaqokeleli bematyala banokuqhagamshelana nabantu abathile besithathu ukuba bafumane ulwazi lwakho loqhagamshelwano ukuba abanakukufikelela kuwe, kodwa banokuqhagamshelana naba bantu kanye kuphela. Abaqokeleli abavumi ukuxelela omnye umntu malunga namatyala akho. Imbango yakho iqabane lakho, ugqwetha lakho ukuba unayo, nomzali wakho okanye umgcini wezomthetho ukuba uneminyaka engaphantsi kwe-18.
07 Umqokeleli wetyala unenyaniso kuwe.
Abaqokeleli bematyala abavunyelwe ukunika ulwazi olubuxoki. Abavunyelwe ukuzimela ngamanga njengamagqwetha okanye iarhente karhulumente ukuba azinjalo ngokwenene, kwaye abanakukunikwa icala lokwenza nayiphi na ityala. Abavunyelwe ukuba baphathe kakubi amaphepha njengamafomu omthetho okanye amaphepha ayifumanekanga iifom zomthetho xa zikhona.
08 Akufanele uhlawule nayiphi na into engaphezulu.
Abaqokeleli abavunyelwe ukuhlawulisa nayiphi na inzala okanye iimali ngaphandle kokuba inkontileka yasekuqaleni okanye ngokomthetho welizwe ivumele. Unokuphikisana nemali ebonakala ingenangqiqo
09 Unokukhetha ukuba yimaphi amatyala ahlawulwe.
Ukuba unetyala elingaphezulu kweyodwa kunye nomqokeleli weetyala, uvumelekile ukuba ukhethe ukuba yeyiphi inkokhelo yakho inkokhelo kufuneka ifake kuyo. I-FDCPA inqanda umqokeleli ukuba asebenzise isicelo sokuhlawula ityala oliphikisayo.
10 Unokuphepha ukuhlawulwa kwetyala eliphelile.
Ummiselo wemingcele yimalini yexesha apho umqokeleli anokumangalela ngetyala. Umda wexesha uhluka ngohlobo kunye nohlobo lwetyala. Usukweleta amatyala emva kokuba ummiselo wokunciphisa udlulile, nangona kunjalo unelungelo lokuwuthintela intlawulo. Abaqokeleli banako ukuqokelela kwi-matyala kwaye baze bayibhale phantsi kwingxelo yakho yekhredithi ukuba kusekho kumda wexesha lokubika ngetyala .
11 Unelungelo lokumangalela umqokeleli ophula amalungelo akho.
Unokumangalela umqokeleli weetyala kwintetho karhulumente okanye inkundla. Unokufumana umonakalo wangempela, njengemali elahlekileyo, ukuya kuma-$ 1,000 kumonakalo wokugweba, kunye nokubuyiswa kwemali yakho yomthetho. Ukuba omnye umqokeleli wetyala ulwaphule wena kunye nabanye abathengi, unokwenza umgwebo wezenzo zeklasini uze ufike kwi-$ 500,000 okanye u-1% wemali yokuqokelela.