Sebenzisa amaLungelo akho xa ujongene neziCwangciso zokuTyala eziMatyala
- Ngaba uhlaselwa ngumqokeleli wetyala?
- Ngaba umqokeleli ubiza amaxesha amaninzi ngosuku?
- Ngaba umqokeleli uqhagamshelane nomqeshi wakho okanye izalamane zakho?
- Ingaba umqokeleli wetyala usongela okanye usebenzisa ulwimi olungcolileyo?
- Ngaba uziva uhlazekile?
- Ngaba uyazibuza ukuba kukho nayiphi na indlela yokwenza le nto ihambe?
Ukuba uphendule u-ewe kuyo nayiphi na le mibuzo, unokuthi ube yintlanzi yeendlela zokuqokelela amatyala ezingalunganga.
Kwaye, kukho izinto onokuzenza ukuze uziyeke, kwaye mhlawumbi ufumane umonakalo okanye ukubuyiswa kweengxaki zakho.
Abantu abaninzi abanenkcenkceshelo yokuqokelela amatyala ngokungekho sikweni bangaphantsi koxinzelelo olukhulu, kaninzi ngenxa yokulahleka kwengeniso, umtshato okanye imiba yonyango. Ukutshatyalaliswa kokuhlukunyezwa phezulu ngokuqhelekileyo kushiya umntu obolekayo ukuba anqatshelwe ngokupheleleyo kwaye angenamandla okwanela ukuphinda amanyathelo okumisa imisebenzi yokuqokelela okanye ukuzisa ababenzi-mthetho ukuba benze ubulungisa.
Njengomboleki kunye nexhoba lale nkqubo, unamalungelo. Unamachiza. Ukuba unokubandezeleka kwemizamo yomqokeleli wokusongela ngokungalunganga, nantsi ngamanyathelo anokuthatha. Ukuba udlala amakhadi akho ngokufanelekileyo, usenokukwazi ukubeka imali encinci kwipokoth yakho.
1. Yazi Amalungelo akho
Funda ngoMthetho woLungiso lweziTyala zoLwabiwo-mali, osebenza kuso kwaye yiziphi izenzo ezingavunyelwe.
Unokufumana ulwazi malunga neendlela zokuqokelela amatyala kwi-website ye-Federal Trade Commission, i-Bureau ye-Consumer Financial Protection Bureau, i-ofisi yommeli jikelele kwii-ofisi ezininzi (umzekelo, iofisi yaseTexas AG) kunye newebhusayithi yabameli bezithuthi zabazimeleyo. abamele ababolekayo kwizenzo zokuqokelela amatyala ezingalunganga.
Bona indlela yokuxoxisana nababolekisi bakho kwaye uhlawule amatyala akho .
2. Njalo Mthetho Mthobele kwaye Ngenonophelo
Ekujonganeni nabaqokeleli beetyala, thabatha indlela ephakamileyo. Imali ikhuthaza. Abaqokeleli bematyala bavame ukusebenza emsebenzini. Xa banako ukuphuma kwiipokotshi zakho, imali engakumbi abangayifaka kwiipokotshi zabo. Njengoko uphazamisa uluhlu lwezenzo ezingavunyelwe, unokuhendwa ukuba ucinge ngabaqokeleli bamatyala abangenangqiqo njengabaxhasi. Ba soloko bekhona. Ukunyaniseka kungaba yindlela eqokelelweyo yokuqokelela amatyala, ingakumbi xa umboleki engaqondi amalungelo akhe.
Xa ujongana nabaqokeleli phezu kwefowuni, ungabuyi. Kulukhuni njengoko kunokwenzeka, qhubeka ude. Thatha oko bakuxelelayo. Musa ukwenza isithembiso sokuba awukwazi ukugcina. Chaza inyani. Ungazami ukuzesabisa. Awuyi kuphumelela kuloo mdlalo.
Kodwa, ukuba ugcina intloko epholileyo, umqokeleli akakwazi ukubuyela emva koko kwaye uthi ukuba wayeyi-jut ezama ukuzikhusela. Kucinga ukuba zonke iifowuni zeqoqo zirekhodwa. Ngaphezulu xa ekhwela, ukhangeleke ngakumbi, ngakumbi xa ungamniki umxholo.
3. Gcina iiRekhodi
Ngokona nxalenye, abaqokeleli beetyala basebenzisa iposi yeposi kunye nomnxeba ukuba baqhagamshelane nabboleki, nangona baninzi nangakumbi sibona i-imeyile kunye nemiyalezo yombhalo.
Amaphepha e-mail yangempela aya kuthetha. Gcina zonke iincwadi, iincwadi zeakhawunti kunye neengxelo.
Xa uthetha nomqokeleli, thola igama lomqokeleli, fowuni inombolo, kunye nenkampani asebenza kuyo. Yenza amanqaku ekusebenzisaneni. Nantsi enye ifayile yokusebenzela yokunika ingcamango. Ezi manqaku ziza kuba luleke xa unokwenza isikhalazo okanye ufake isikhalazo kumqokeleli.
Phantse zonke iifowuni ezifowunayo ozifumanayo ziya kubhalwa ngumbutho wokuqokelela, kodwa abanye abantu baya kufikelela ekubhaliseni iingxoxo zabo kunye nabaqokeleli babo. Kukho ama-adapter angabizi angayisebenzisayo ngefowuni yakho okanye kwifowuni yomhlaba. Ngaphantsi komthetho wesigqeba kunye nakwiindawo ezininzi kukusemthethweni ukuba urekhode ingxoxo ngaphandle kokufumana imvume kwabanye abantu kwifowuni.
Oku kubizwa ngokuba ngumthetho omnye wemvume. Kodwa, kwezinye iindawo, akukho mthethweni. Lezo zirekhodi ziza kusebenza kakubi kuwe, kwaye unokufumana ingxaki yokuba ubhala phantsi ngasese ingxoxo. Ngaphambi kokuba uzame oku, funda umthetho wokurekhoda kwimeko yakho.
4. Cela ukuqinisekiswa kweTyala
Xa sele edibanise nawe, umqokeleli wetyala unemihla ezintlanu ukusuka ekuqhagamshelaneni kokuqala ukunika ulwazi olulandelayo malunga netyala. Ukuba unxibelelwano, ngokubhaliweyo ngokubhala, kufuneka kukuxelele:
Isixa setyala;
Igama lomboleki-mboleko onikwe yona ityala;
Ukuba unemihla engama-30 ukuphikisana nokuqinisekiswa kwetyala;
Umqokeleli uya kuthatha ityala livumelekile ngaphandle kokuba uliphikisana phakathi kweentsuku ezingama-30;
Ukuba uphikisana netyala kwiintsuku ezingama-30, umqokeleli uyakukuthumela ulwazi oluya kukuvumela ukuba ubone kwaye uqinisekise ityala;
Ukuba uthumela umqokeleli isicelo esibhaliweyo kungakapheli iintsuku ezingama-30 ukuba igama kunye nolwazi lokuqhagamshelana nomthengi we-original, umqokeleli uya kunika.
Ukuba uphikisana netyala okanye ucele ukuqinisekiswa okanye ukuqinisekiswa kwetyala , umqokeleli makabeke yonke imisebenzi yokuqokelela kude kube yinto ekuthumelele ukuqinisekiswa kwetyala. Oku kusebenza kumagqwetha azama ukuqokelela amatyala kubathengi, ngaphandle kokuba igqwetha lingaqalisa okanye liqhubeke necala.
Kutheni Kubalulekile Ukuxabana Ngamatyala?
Kufuneka uphikisane netyala okanye ucele ukuqinisekiswa ukuze ukwazi ukuba ngubani na ojongene naye. Ngokuqhelekileyo xa umboleki-mali oyimvelaphi engakwaziyo okanye angayi kuyaneliswa ngetyala, umbolekisi uya kuhlawula kwiincwadi zakhe aze athengise ityala ngeepeneni kwi-dollar kwi-arhente yokuqokelela okanye kwinkampani okanye umntu othe ngqo ngokuthenga i-akhawunti kwixabiso elincinci . Abathengi bematyala benza imali yabo ngokukufumana wena, umboleki-mali, ukuhlawula ngaphezu komthengi onetyala ochithe ukuthenga i-akhawunti.
Iakhawunti ingatshintsha izandla eziliqela. Ngokuqhelekileyo, ulwazi olulodwa kuphela umthengi wetyala ofumanayo ligama lomnini wokugqibela wetyala, ulwazi lwakho lokugqibela lokuqhagamshelana kunye nenani letyala. Ukuba ufumana i-letter yeemfuno ezivela kwi-Midland inkxaso ye-$ 3,107, awukwazi ukuba i-akhawunti yayiyi-Wells Fargo Mastercard. Xa uphikisana netyala, umnini-mfuyo kufuneka aphande i-akhawunti, avumele ixabiso omele lona, kwaye akunike igama negama lomnikazi wecala letyala. Ukuba akukho nto, oku kunokukunika indawo yokuphefumla. Ngokuqhelekileyo, kuya kukunika ithuba lokuphanda iirekhodi zakho kwaye unikezele ubungqina kumnini omtsha ukuba i-akhawunti ihlawulwe okanye ukuba unetyala elihlukile kwizinto ezifunayo.
Kuthiwani ukuba uMgcini-mboleko akanako ukuVinisa amatyala?
Ukuba umqokeleli uzama ukuqokelela ngaphezu kokuba unetyala, uyahluleka ukuqinisekisa ityala, uyaqhubeka edibana nawe ngelixa ityala liphikisana, lihluleka ukukunika negama kunye nenani lesikweletu sokuqala, umqokeleli ulwaphulo-mali. Act Practices Act. Amathuba amaninzi kumqokeleli kufuneka aphule i-FDCPA, xa ungaphumelela ekupheleni.
5. Tshela uMgcini-mali ukuba Yeke ukudibanisa nawe
Ewe, kunjalo. Unako ukuxelela umqokeleli ukuba akushiye wedwa. Kukho inkqubo, indlela efanelekileyo yokwenza, kwaye kubalulekile ukuba uqonde imiphumo yesicelo sakho kunye nemiphumo onokuyilindela ukuphuma kuyo.
Kungenxa yokuba i-arhente yokuqokelela ayinakuthetha nawe akuthethi ukuba uyeke. Kukhona ithuba elihle lokuba umqokeleli uya kuphendulela i-akhawunti kuphela kummeli wenkundla . Oku kunokwenzeka ukuba inkulu i-akhawunti. Ukuba iqumrhu lomthetho linalo i-akhawunti, kufuneka baqhagamshelane nani nawaphi na amaphepha afanelekileyo afaka. Kodwa bona kunye nomqokeleli akayikho phantsi kwayo nayiphi na inembopheleleko yokukuxwayisa ukuba i-akhawunti ithunyelwa kummeli wenkqubo yomthetho.
Kuhlala kunjalo ithuba lokuba igqwetha lingaba nolwazi oluqhagamshelana naloo nto, okanye amaphepha afanelekileyo aya kufikelela kuwe. Ukuba ungeke uphendule i-suit, inkundla inokungena kwisigwebo esingagqibekanga kuwe. Amacala omthetho alula kakhulu ukukhusela ngaphambi kokuba kuthathwe isigwebo kunemva koko.
Nangona umqokeleli ukhetha ukuba angayithumeleli ityala kummeli, umqokeleli akanako ukukhetha kodwa ukuthengisa i-akhawunti kwenye ithengi. Xa omnye umqokeleli engena kwindawo, uya kufuneka uqale ukususela ekuqinisekiseni ityala kwaye uthumele entsha iphetshana kunye nencwadi yokuyeka.
Ukuba kubaluleke kakhulu kuwe ukuba ujabulele ukuphefumula kwi-haranguing, kuneendlela zonke:
Thumela incwadi ebhaliweyo kumqokeleli ofuna ukuba umqokeleli ayeke kwaye angashiyi ukuxhumana kunye nawe, izihlobo zakho, umqeshi wakho okanye nabani na omnye umqokeleli angaqhagamshelana naye. Ukuxelela umboleki kumnxeba ukuyeka ukubiza akuvumelekanga phantsi kwe-FDCPA. Thumela ngeposi eqinisekisiweyo ukuze ummkeli asayine. Ngaloo ndlela, ukuba umqokeleli uyaqhubeka eqhagamshelana nawe, umzekelo ngamnye woqhagamshelwano ungenye iphulaphulo le-FDCPA.
Emva kokuba umqokeleli athola ileta evela kuwe efuna ukuba bayeke ukuthetha, umqokeleli unyanzelekile phantsi kwe-FDCPA ukuba ayeke ukunxibelelana kunye nemibandela emibini: 1. Umqokeleli unokuthumela ileta ukuba akuxelele ukuba aphelisa uxhulumaniso, okanye 2. Umqokeleli unokuthumela ileta ukuba akuxelele ukuba athumela i-akhawunti kummeli ukuba amise iinkqubo zomthetho.