Fumana i-What Acceptable Under the FDCPA
Phantse wonke umntu omdala waseMerika uneselfowuni. Ngokutsho kwePew Research, i-91% yabantu abadala base-Amerika baneselula, phantse i-35.8% yamakhaya kuphela ineselfowuni, kwaye i-15.9% yabantu bafumana zonke iifowuni kwiiseli zabo nangona ifowuni yomhlaba.
Nangona abaninzi baseMelika bekhetha imiyalezo yokufowunela umnxeba - malunga neyesithathu kwiingxelo zePew Research - abaninzi banqwenela ukuba bangaqhagamshelana namashishini ngendlela, ngakumbi xa kuziwa kubaqokeleli beetyala. Ukuba uke ufumene umyalezo wesicatshulwa ukusuka kumqokeleli weetyala, mhlawumbi uye wazibuza ukuba bekusemthethweni. Ngokuqinisekileyo akuqhelekanga. Ngelishwa, akukho mpendulo ecacileyo.
Umthetho wokuqokelela amatyala awuthathi ukuthumela imiyalezo
Umthetho woTyala loTyala lokuTyala lokuTyala loMthetho ngumthetho wase-Federal ochaza ukuba ngubani na oqokelelwa ngabathengi bamalungu abathathu kwaye abanako ukwenza xa beqokelela ityala kumthengi. Umthetho, owadlulileyo ngo-1977, awujongisi ezininzi iindlela zonxibelelwano zanamhlanje. Umyalezo wombhalo, umzekelo, awuzange uqaliswe ngowe-1992, emva kweminyaka eyi-15 emva kokuba i-FDCPA idluliselwe kwaye umthetho awuzange uhlaziywe ukujongana nomsebenzi wokuqokelela ngomyalezo wesicatshulwa kunye neendlela zokuxhumana zonxibelelwano.
I-FDCPA ayitsho ngokucacileyo nokuba ngabaqokeleli beetyala banako okanye abanakukwazi ukusebenzisa imiyalezo yombhalo - kunjalo kuba ukuthumela imiyalezo kwakungekho xa kubhaliwe. Nangona kunjalo, uMthetho woKhuseleko kwabaThengi ngo-1991 ungasebenza.
Imida ye-TCPA (kwaye ngamanye amaxesha iyakwenqabela) ukusetyenziswa kwezonxibelelwano zefowuni kunye nokungaxilwanga ngaphandle kwe-intanethi ngaphandle "kwemvume evelele yangaphambili" ebonisa ukuba ngaphandle kokuba usuvele ubonise ukuba kulungile ukuba uqhagamshelane ngale ndlela.
Abaqokeleli-matyala baye baxela ukuba uluhlu lwefowuni yefowuni kwikhadi lakho lekredithi okanye isicelo semboleko sinikezela imvume yokufowunelwa kule nombolo kwimicimbi ebandakanya i-akhawunti yakho-ingxabano eyamkelwe enkundleni, ubuncinane kwiinkampani ezithumela imiyalezo ye-telemarketing. Sekunjalo, kulukhuni kuba i-TCPA isebenza kakhulu kumnxibelelwano we-telemarketing, kungekhona ukuqokelela kwamatyala.
Iingxabano zakamuva ezibandakanya imiyalezo yeeqoqo zeqoqo
Kwi-suit civil, i-Gutierrez v. Barclays Group, ityala phakathi komnini-khadi kunye nomniki-mvume wokuqala wekhadi lokuthenga ngetyala, iNkundla inqume ukuba imiyalezo evela kwiBarlaylay ukuya eGuerreerre yayisemthethweni kuze kube yilapho uGuerreerrez waphendula ngomyalezo "STOP". Ngelo xesha, iBarclays kufuneka ukuba iphelile imiyalezo yombhalo, nangona isicelo sokunxibelelana esicacisiweyo senziwa ngokubhaliweyo. Oku kwahluke kancinci kwi-FDCPA, efuna ileta ebhaliweyo yokuphelisa unxibelelwano oluvela kumqokeleli wetyala. (I-suit ayinakwenziwa phantsi kwe-FDCPA ekubeni loo mthetho usebenza kuphela kubaqokeleli beetyala zenkampani yesithathu.)
NgoSeptemba 2013, i-Federal Trade Commission ihlise i-$ 1 yezigidi ukuqoqa imali ye-FDCPA equka umyalezo wokuthumela imiyalezo, kodwa ingekho ngqo ngenxa yemyalezo yombhalo.
Esi saziso esithile, iinkampani zahlawuliswa ngenxa yokuhluleka ukuzibonakalisa njengabaqokeleli beetyala kunokuba zibhale imiyalezo ngokwayo. Ukuba i-FTC ayizange idibanise ngokuthe ngqo ukuthumela imiyalezo njengendlela yoqhagamshelwano ingabonisa ukuba indlela eyamkelekileyo yokuqhagamshelana nabatyala ngexesha elide lilandelwa yonke imithetho ye-FDCPA.
Oko Senza Ngokwazi Ngetyala Lokuqokelela Imiyalezo Yombhalo
Akukho mithetho ethile malunga nabaqokeleli beetyala kunye nemiyalezo yombhalo, kodwa kukho abanye abambalwa abayalela ukuba abaqokeleli beetyala banokuthintana njani, kungakhathaliseki ukuba ngabaphakathi:
- Abaqokeleli banokuqhagamshelana nawe phakathi kwe-8 ekuseni no-9 ntambama ixesha lakho langoku.
- Kufuneka bazibonele njengabaqokeleli beetyala kwaye abanako ukutyhila amatyala akho kunoma yimuphi umntu ngaphandle komzali wakho okanye umgcini (ukuba uneminyaka engaphantsi kwe-18) okanye lakho iqabane.
- Abakwazi ukukubiza ngokuphindaphindiweyo (okanye, kulo mzekelo, thumela imiyalezo ebhaliwe ngokuphindaphindiweyo) ukucaphukisa okanye ukuhlukumeza.
- Abakwazi ukunxibelelana nawe ngqo ukuba bayazi ukuba unommeli.
- Abakwazi ukusebenzisa ulwimi oluhlaselayo okanye oluhlambulukileyo. Akunakukusongela okanye asongela nayiphi na inyathelo elingumthetho abakwaziyo okanye abanenjongo yokuyithatha.
- Bamele bayeke ukuthetha nawe, ngokuthumela imiyalezo kunye nayiphi na enye indlela, ukuba uthumele incwadi ebhaliweyo ethi awufuni ukudibana nabo.
Yazi amalungelo akho kunye nabaqokeleli beetyala , umzekelo, kufuneka bazibonele xa beqhagamshelana nawe. Ukuba udibana nomyalezo wombhalo - okanye nayiphi na enye indlela-kwaye awusayi kufuna ukunxibelelana ngale ndlela, thumela ukuyeka nokuyeka incwadi ngeposi. Ungaphenduli nje ngomyalezo wesicatshulwa, amalungelo akho asenokungagcinwa phantsi kwe-FDCPA. Cetyisa kwiBhodi yoKhuseleko lwezeMali kunye ne-Attorney General Jikelele xa umqokeleli enqabile ukuyeka kwaye unqande incwadi okanye aphule amalungelo akho nangayiphi indlela.