Ingaba umqokeleli wetyala owake waqhagamshelana nawe ngetyala ongaqinisekanga ukuba lakho? Unelungelo lokucela ukuba bathumele ubungqina baloo matyala. Umthetho woTyala lokuTyala lokuTyala lokuTyala , umthetho osemthethweni olawula abaqokeleli beetyala, uvumela ukuba ucele umqokeleli wetyala ukuba athumele ubungqina bentyala ngeenkqubo ezibizwa ngokuba yi-debt validation.
Kutheni Ucela Ukuqinisekiswa Esikhundleni Sokuhlawula
Unokufuna ukuhlawula kuphela ukuqokelela kwaye uhambe nayo, ngokukodwa ukuba uyazi ukuba ityala lakho liyakho kwaye kufuneka uyihlawule ukuba uvume isicelo sokuboleka imali.
Nangona kunjalo, ngaphandle kwaloo, kukho ezinye izizathu ezintle zokusebenzisa ilungelo lakho lokucela ukuqinisekiswa kwetyala.
- Qinisekisa ukuba ityala lakho lenu . Abaqokeleli-matyala baye baziwa ukuba bathumele iindleko okanye benze iifowuni zamatyala axoxwayo, ngoko ningacingi ukuba ibhasoti evela kumqokeleli wetyala ngokuzenzekelayo ithetha ukuba unetyala. Ileta ibonakala ibhalwe ngokusemthethweni, kodwa kule nkcazelo yobudala, kulula ukuqokelela ulwazi olwaneleyo malunga nomntu kunye nokusebenzisana kwezezimali ukwenza isaziso sokuqokelela ityala lokukhohlisa.
- Qinisekisa ukuba awukahlawulwa . Kuthekani ukuba sele uhlawule ityala? Unokuthi ukhumbule ngokukodwa ukuba ungumntu obolekisiweyo ogqithwe ngesaziso sokuqokelela okanye unokukhumbula ukuhlawula loo matyala ngexesha elithile. Ukuqiniseka, cela ubungqina. Yilungelo lakho.
- Ukunyanzela umqokeleli weetyala ukufakazela ukuba ityala liyinyani . Ngamanye amaxesha abaqokeleli ityala bavusela amatyala amandulo ngenzame yokwenza imali. Ngamatyala endala, kukho ithuba elihle lokuba umqokeleli akanazo iimpawu zokuqala ezibonisa ukuba unetyala. Ingaba uza kuhlawula imali kumntu othi ufanelekile, kodwa akakwazi ukubonisa ukuba unetyala? Akunjalongo noko.
- Qinisekisa ukuba umqokeleli ugunyazisiweyo ukuqokelela ityala . Nangona unemali enemali, uyazi njani ukuba umbolekisi uqeshe le nkampani ukuqokelela ityala egameni labo? Kuthekani ukuba uhlawule umqokeleli wetyala kunye nomboleki okanye omnye umqokeleli weza emva kwakho kuba umqokeleli akazange aqeshe kwindawo yokuqala? Ukuthumela ileta yokuqinisekiswa kwetyala kuya kukunceda uqiniseke ukuba ukhokhela inkampani elungileyo ityala elifanelekileyo.
Ukuqinisekiswa kweMatyala kuNxeba-xesha
Kwiintsuku ezintlanu zokuqala kokunxibelelana nawe, umqokeleli wetyala kufuneka ukuba athumele isaziso sokuqinisekiswa kwetyala kuwe. Esi saziso sichaza ilungelo lakho lokuphikisana nokusebenza kwetyala zingadlulanga iintsuku ezingama-30. I-FDCPA ivumela umqokeleli ukuba afake isaziso sokuqinisekiswa kwetyala kwinxibelelwano lokuqala ukuba olo nxi Ukuba umqokeleli wokuqala wokuqokelela ityala nawe umnxeba, kufuneka ufumane ileta yokuqinisekiswa kwetyala ezivela kubo zingakapheli iintsuku ezintlanu.
Ukuba awuphikisana netyala ngokubhaliweyo zingadlulanga iintsuku ezingama-30, umqokeleli wetyala unelungelo lokuthatha ukuba ityala livumelekile. Ngexesha leentsuku ezingama-30, umqokeleli unokuqhubeka nokuzama ukuqokelela ityala kuwe uze ufumane isicelo sakho sokuqinisekisa.
Ukuthumela isicelo sokuqinisekisa
Ukuze uvumeleke ngokomthetho, isicelo sakho sobungqina kufuneka senziwe ngokubhaliweyo. Isicelo sefowuni sokuqinisekiswa kwetyala akwanele ukukhusela amalungelo akho phantsi kwe-FDCPA. Nantsi itekisi yokuqinisekiswa kwetyala unokuthi uguqule ukucela ukuqinisekiswa ukusuka kumqokeleli wetyala.
Kwileta yakho yokuqinisekisa, unokuphikisana netyala lonke, inxalenye yetyala, okanye ucele igama lomthengi wangaphambili. Xa umqokeleli wetyala efumana isicelo sakho sokuqinisekiswa, abanakukuqhagamshelana nani baze bawanike ubungqina obubucelile.
Indlela efanelekileyo yokuthumela isicelo sakho sokuqinisekiswa kwetyala nge-imeyile eqinisekisiweyo kunye ne-receipt ye-receipt eceliwe. Ngaloo ndlela, unobungqina bokuba le ncwadi yithunyelwe ngeposi, umhla owuthumele ngawo, kwaye ungakhangela ukubona xa umqokeleli wetyala efumene ileta yakho. Ukuba ufanele ufake ifowuni malunga nomqokeleli wetyala, iirejista eziqinisekisiweyo kunye nokubuyiselwa ziya kunceda ukuqinisa ityala lakho. Unokubonisa ukuba uthumele ileta ngaphakathi kwexesha leentsuku ezingama-30 kwaye umqokeleli wamkele.
Impendulo yoMqokeleli
Emva kokufumana ingxabano yakho, i-arhente yokuqokelela kufuneka ikuthumelele ubungqina bokuba iyenayo okanye ibonelelwe ngetyala ngumthengi wangaphambili. Ukuqinisekiswa ukuba unetyala le-matyala kunye nemali yetyala kufuneka libandakanye amaxwebhu avela kumbambisi-mboleko (uyayifumana kumqokeleli wetyala, kungekhona umboleki-mboleko ).
Akwanele ukuba i-arhente yokuqokelela ukuba ikuthumelele ukuprintwa kwexabiso elifunekayo.
Ukuba umqokeleli wetyala akaqinisekisi ityala, akavunyelwe ukuba aqhubeke nokuqokelela ityala kuwe okanye akunakukufakazela okanye abhale ityala kwi-credit report yakho. Unokuphikisana netyala kunye ne-credit bureaus ukuba umqokeleli uyaqhubeka eludweba ityala kwi-credit report yakho nangona ingazange iphendule ukuqinisekiswa kwetyala lakho. Thumela i-credit bureau ikopi yencwadi yakho yokuqinisekiswa kwetyala kunye ne-certified and return receipts ukukunceda ukuba i-akhawunti isuswe kwingxelo yakho yekhredithi .
Ukuba uMqokeleli uqinisekisa iNgxowa-mali
Ukuba ufumana ukuqinisekiswa okwaneleyo kwetyala, kufuneka wenze isigqibo sokuba wenze ntoni emva koko. Qinisekisa ukuba ityala liphantsi kommiselo wemingcele - leyo yimalini yexesha umthengi okanye umqokeleli angasebenzisa inkundla ukuqokelela amatyala kuwe. Ityala elingaphandle kommiselo weemingcele libeka ngaphantsi kwesongelo kuwe kuba umqokeleli akakwazi ukuphumelela isigwebo sakho kuwe enkundleni (nangona nje unokubonisa ubungqina bemimiselo eye yadlula).
Hlola ukuba ubone ukuba ityala lisekho kumyinge wexesha lokubika ngetyala . Ulwazi oluninzi olubi - njengengqokelela yetyala - luya kubalwa kuphela kwi-credit report ingxelo yakho yesibhozo kwiminyaka emashumi asixhenxe ukusuka ekuhlaleni. Ukuba umhla wokuhlambela kwakho uneminyaka engaphezu kweyisixhenxe edlulileyo, ityala akufanele livele kwingxelo yakho yekhredithi kwaye, kwimeko apho, akuyi kuba yenzakalisa ityala lakho ukuba liqhubeke lihlawula ityala . Ukuba ukuqokelelwa kwetyala kukudala kwaye kulungiselelwe ukuba kususwe kwingxelo yakho yekredithi engaphantsi kweminyaka emibini, unokuthi uvumele ukuba iwele kwingxelo yakho yekhredithi, ingakumbi ukuba awuyikucwangcisa ukufumana mboleko enkulu kuloo xesha.
Kuthiwani ukuba ukuqokelelwa kwetyala kuqinisekisiwe, kungummiselo wokunciphisa okanye umda wokunika ingxelo ngekredithi? Unokuzama ukumelana nomqokeleli kwipesenti yemali ehlawulwayo okanye unikezele umvuzo wokususa isivumelwano xa i-akhawunti ibhaliwe kwingxelo yakho yekhredithi. Ukuhlawula ngokupheleleyo kunokhetho - omnye ongakhethayo ukuba uceba ukufaka isicelo semboleko enkulu ngaphambi kokuba ityala liye litshintshe ingxelo yakho yekhredithi. Noko ke, ukungahoyi i-matyala, kunokuthi kube nemiphumo emibi: umonakalo kwikhredithi yakho, iinzame zokuqokelela amatyala, kwaye mhlawumbi umgwebo.