Ukuphelisa iifowuni ezinomsindo ezivela kwiiTyala zaBathengi
Xa Abadoli beeTyala baTyhulwa
Abaqokeleli-matyala abafunekayo ukuthobela umthetho we-Federal, uMthetho woLungiso lweMatyala okuTyala (FDCPA).
Lo mthetho uchaza ukuba ngubani na oqokelelwa ngamatyala kwaye abanako ukwenza. Kubaqalayo, abayikukubiza ngetyala ongenayo. Xa umqokeleli wetyala kuqala ekudibanisa nawe ngetyala, unelungelo lokucela ukuba liqinisekise ukuba ityala lakho lingewe. Ukuba umqokeleli wetyala akakwazi ukubuya ngobungqina bokuba unetyala, abavunyelwe ukudibana nawe. Yenza Abaqokeleli Abatyala Bakhombise I-Owe
Nangona ungathumeli isicelo sokuqinisekisa , abaqokeleli beetyala banemithetho ethile ekufuneka bayilandele xa kuziwa ekunxibelelana nawe kwifowuni. Ngokomzekelo, abanakukubiza phambi kwe-8 okanye emva kwe-9 ebusuku ixesha lakho lendawo. Abakwazi ukukubiza ngokuphindaphindiweyo, kwaye abanakukubiza ngaluphi na ixesha owake wachaza ngaphambili. Ngeemeko ezithile zexeshana zokuqokelela amatyala zikhangele ukuba ziphi na iiNkundla zokuTyala iiMatyala .
Yeka iifowuni zokuqokelela amatyala
Akukho mthetho othi ufanele uxhumane nomqokeleli wetyala ngefowuni.
Ukuba uxhomekeke kumqokeleli wetyala akukho nto abanokuyenza ngayo. Kodwa, ukuba umqokeleli uyaqhubeka ekubiza ngokuphindaphindiweyo nangona sele ubophezele kubo, bayaphula i-FDCPA.
Konke omele ukwenze ukuyeka abaqokeleli beetyala ekubizeni ukuba ubaxelela ukuba ukhetha ukuthetha nabo ngokubhaliweyo.
Unxibelelwano olubhaliweyo lusebenza kuwe ngenxa yokuba likunika ingxelo yezinto zonke ezithethwa. Ukuba umqokeleli wetyala ulwaphula i-FDCPA, unobungqina obunzima obungakhokelela ekugwetweni kwakho. Gcina ukhumbule ukuba, ngomthetho, umqokeleli wetyala akafanelekile ukuba ahloniphe le sicelo.
Indlela eqinisekileyo yokumisa abaqokeleli beetyala ekubizeni ngokuba ngokuthumela okokuthiwa ukuphela kunye nencwadi yokuyeka . Kwileta, tsalisa ukuba umqokeleli kufuneka ayeke kwaye afune ukunxibelelana ngakumbi nawe. Qaphela ukuba ukuphela kunye nokushiya ileta kusebenza kuphela kubaqokeleli beetyala, kungekhona umthengi wangaphambili owamdala ityala.
Abaqokeleli bematyala baqhagamshelana nawe Ngomnye amatyala
Abantu abasanda kutshintsha iinombolo zabo zefowuni bavame ukubetha ngeefowuni ezivela kubaqokeleli abazama ukufikelela kuloo mnikazi wangaphambili wenani. Ngelishwa, ukuxelela umqokeleli wetyala ukuba banani linani elingalunganga lingafaneleli ukuyeka iifowuni ezilungileyo. Endaweni yoko, kufuneka uthumele ukuyeka kwaye unqande incwadi njengokuba ityala lakho lenu. Kakade ke, akufanele uvume kwi-matyala, ngakumbi ekubeni awukho ityala. Ukuba iifowuni ziqhubeka emva kokuyeka kunye nokushiya incwadi, xelela umqokeleli kwi-Attorney General Jikelele kunye ne-Federal Trade Commission.
Abaqokeleli bematyala banokuqhagamshelana nawe uzama ukufumana omnye umntu, njengomhlobo okanye isihlobo. Ngandlela-thile ekuhloleni kwabo, khangela iinkcukacha zakho zoqhagamshelwano zidibene naloo mntu. Umthetho uvumela abaqokeleli beetyala ukuba baqhagamshelane nomntu wesithathu ukuba bafumane inombolo yefowuni, idilesi kunye nengqesho, kodwa umqokeleli angaqhagamshelana nomntu othile wesithathu kanye kwaye abanako ukutyhila nayiphi na ulwazi malunga netyala. Umqokeleli wetyala uphula umthetho xa beqhubeka beqhagamshelana nawe ngolwazi lokuqhagamshelana nangona emva kokuba ubaxelele oko uyaziyo.
Ukuba ungummeli walo, umlingane, okanye umzali okanye umgcini wengane onomvuzo oqokelelweyo , abaqokeleli bavunyelwe ukudibana nawe. Ukuyeka nokuyeka iileta kunokunqanda ukuqokelela iifowuni nakwiimeko.
Yintoni eyenzekayo emva kokuphelisa nokuyeka
Emva kokuba i- ejensi yokuqokelela ifumene ukuyeka kwakho kunye nencwadi yokulahla inokuthi ikwazi ukuthetha nawe kwakhona, ngeposi, ikuxelele enye yezinto ezintathu: ukuba iinzame ezongezelelweyo zokuqokelela ityala ziphelile, ukuba ezinye izenzo zithathwe ngumqokeleli wetyala, okanye ukuba umqokeleli wetyala uya kuthatha isenzo esithile.
Xa uthumela ukuyeka kwaye unqatshelwe ileta kumqokeleli wetyala, thumela ngeposi eqinisekisiweyo kunye nokufumana i-receipt eceliwe. Oku kuya kunika ubungqina bokuba le ncwadi yathunyelwa kwaye ifunyenwe. Ukuba umqokeleli wetyala uthetha nawe ngaphaya komzekelo omnye ovunyelwe ngumthetho, obu bungqina buza kukuvumela ukuba ufune isenzo sokugweba kumqokeleli wetyala.