Akunakholwa ukuba unetyala? Unelungelo lokunyanzela umqokeleli weetyala ukubonisa ukuba unetyala lakho. Ukuqinisekiswa kwetyala lilungelo lakho lokuncedisa ngokunikezelwa phantsi koMthetho wokuThuthwa kweTyala lokuTyala. Ukucela isicelo sokubakholwa kwetyala, thumela isicelo esibhaliweyo kumqokeleli wetyala kwisithuba seentsuku ezingama-30 emva kokuqhagamshelana ne-arhente yokuqokelela. Iimpendulo kule mibuzo ehlala ibuzwa malunga nokuqinisekiswa kwetyala kuya kukunceda uqonde ngakumbi inkqubo.
01 Yintoni ebalulekileyo njengothungelwano lokuqala?
02 Kuthiwani ukuba andifumananga isaziso sokuqinisekiswa kwetyala emva kokuqala kokunxibelelana?
Kungenzeka ukuba isaziso sokuqinisekiswa kwetyala sifakwe kwintetho yokuqala. Ngaphantsi kwe- FDCPA , oku kuvunyelwe nje kuphela ukuba isaziso senziwe ngokubhaliweyo. Mhlawumbi ulahlekelwe isaziso sokuqinisekiswa kwetyala. Kukho nawuphi na, unokuthumela isicelo sakho sokuqinisekiswa kwetyala ngaphandle kokufumana isaziso sokuqinisekiswa kwetyala kumqokeleli wetyala. Qinisekisa ukuba uthumele isicelo ngaphambi kokuba umhla weentsuku ezingama-30 ugqitywe ukuqinisekisa ukuba amalungelo akho avikelwe.
03 Yintoni efunekayo isaziso sokuqinisekiswa kwetyala?
Isaziso sokuqinisekiswa kwetyala kumqokeleli kufuneka senziwe ngokubhaliweyo. Kufuneka zibandakanye oku kulandelayo:
- isixa sematyala
- igama lomboleki
- ukucinga ukuba ityala liya kusebenza ngaphandle kokuba uliphikisana phakathi kweentsuku ezingama-30
- isaziso sokuba unokucela ukuqinisekiswa kwetyala zingadlulanga iintsuku ezingama-30
- isaziso sokuba unokucela igama kunye nedilesi yomthengi wangaphambili kwimini engama-30
04 Ndibonisa njani ukuba umqokeleli wetyala ufumene isicelo sam sokuqinisekisa?
Xa uthumela isicelo sakho sokuqinisekisa, kufuneka uthumele ngeposi eqinisekisiweyo kunye ne-receipt receipt eceliwe. Ungasebenzisa irisidi yokubuyiselwa njengobungqina bakho ileta efunyenwe ngumqokeleli wetyala. Ukuba awufumani iirisithi yokubuyisela, unokujonga ubungakanani bencwadi kunye ne-United States Postal Service usebenzisa inombolo yokulandelela kwi-receipt yakho eqinisekisiweyo.
05 Kuthiwani ukuba umqokeleli akaphenduli?
Emva kokufumana ingxabano yakho, umqokeleli kufuneka ayeke ukuzama ukuqokelela ityala kuwe. Oku kubandakanya iifowuni zefowuni, iileta, nokunika ingxelo ngetyala kwi-akhawunti yakho yemboleko. Umqokeleli akakwazi ukuqhubeka nomsebenzi wokuqokelela uze uphendule kwingxabano yakho.
06 Ngaba ndingayiphikisa ityala emva kwexesha lokuqinisekisa?
Ngokwenene, ungathumela itekisi yokuqinisekiswa kwetyala emva kwexesha eliqinisekileyo leentsuku ezingama-30. Nangona kunjalo, umqokeleli wetyala akavumelekanga ngokomthetho ukuphendula kwisicelo sakho sokuqinisekisa. Kwakhona umqokeleli kufuneka ayeke ukuqokelela umsebenzi kwi-akhawunti. Ukusebenzisa amalungelo anikwe ngu-FDCPA, kufuneka uthumele ileta yakho yokuqinisekisa ngaphakathi kweentsuku ezingama-30 zokufumana isaziso sokuqinisekiswa kwetyala.
07 Ndathumela ingxabano, kodwa iqoqo liyabonakala kwi-credit report yami.
Umqokeleli akavumelekanga ukuba alonge ityala kwi-akhawunti yakho yekredenti emva kokufumana ingxabano yakho. Ngaphambi kokuba uthathe isenzo, khangela izinto ezimbalwa.
- Ngaba umqokeleli ufumene ingxabano yakho? Ukuba awufumani iirisithi yokubuyisela isayinwe, sebenzisa iwebhusayithi ye-United States ye-Postal Service ukuqinisekisa ukuba ileta yamukelwa ngumqokeleli.
- Ingabe uthumela impikiswano phakathi kwexesha leentsuku ezingama-30? Ukuthumela ingxabano yakho emva kweentsuku ezingama-30 kuyonakalisa ilungelo lakho lokuqinisekiswa kwetyala.
Ukuba uqinisekile ukuba umqokeleli ufumene ingxabano kwaye uthumele ingxabano ngexesha, ungathumela ingxabano kwingxelo yekhredithi kwi-credit bureau. Sebenzisa ikopi yesaziso sakho sokuqinisekiswa kwetyala kunye ne-receipt eqinisekisiweyo yokuposa njengobungqina bokuba ityala akufanele libikwe.
08 Ndingayichaza njani ukuphulwa?
Ukuba unako ukubonisa ukuba umqokeleli wetyala ulwaphule amalungelo akho phantsi kwe-FDCPA, unokumangalela kwinkundla yesigqeba okanye yombuso ukuya kuma-$ 1,000 kuquka nomonakalo. Kufuneka uxelele nokuphulwa kwi-Federal Trade Commission (FTC).