Yintoni oyenzayo xa umgcini okanye umqokeleli efikelela
Ukufumana isibonelelo sokunikezela kwisityala ongeke ukwazi ukuhlawula ngokupheleleyo ngenye yezinto ezilungileyo kakhulu ezinokwenzeka. Awunayo ukuvula ingxoxo kwaye uqinisekise umbolekisi ukuba alungiselele ityala nawe ngenxa yokuba sele esenzile eso sigqibo. Musa ukuvuyela kakhulu ngethemba lokuba ekugqibeleni uza kulahla le matyala. Ngaphambi kokuba uhlawule okanye ude uthethe nabani na malunga nokuhlala (ngokukodwa umqokeleli wetyala), kufuneka uqiniseke ukuba isibonelelo sokuhlawula sivumelekile.
Cinga ngetyala elibalulekileyo ixesha
Abaqokeleli-matyala baye baziwa ukuba bathumele iileta zokuhlawula njengeqhinga lokufumana ababolekisi ukwenza enye okanye iintlawulo ezingaphezulu kwetyala kwixesha elithintele ityala , ngulowo lowo ummiselo wakhe wokuphelela uphele. Inkokhelo iya kuqalisa ummiselo wemingcele enikela umqokeleli ixesha elide lokukubolela ityala. Hlola ummiselo wemingcele yetyala lakho ngaphambi kokuqhubeka, ngakumbi ukuba umqokeleli wetyala wenza isipho. Ukuba ummiselo wemida uphelelwe yisikhathi okanye usondele ukuphelelwa yisikhathi, ukulungiswa kwetyala akunakulungele.
Umlinganiselo wexesha lokunika ingxelo ngekhredithi kubaluleke kakhulu ekuqwalaseleni amatyala. Ukuba ithe ityala lisaxelwa kwingxelo yakho yekhredithi, ukuhlaliswa kuya kuba nefuthe kumanqaku akho ekhredithi ngokubanzi malunga nokuchithwa . Ngakolunye uhlangothi, ukuba ityala alikho kwi-credit report yakho, kukho inzuzo encinane yokulungisa ityala kuba isiphako saloo mali asikhokhelwa.
Qaphela ukunikezelwa kweScam Settlement Offers
Kukho iziganeko zabaqokeleli beetyala ekuthumeleleni iileta zokubambisa iintlawulo , ngamanye amaxesha nangenxa yezikweleta zokukhohlisa , ngomzamo wokugubha abathengi ngaphandle kwemali. Ngaphambi kokuba uhlawule nayiphi na imali kwisibonelelo sokuhlawuleka, ungaqiniseki ukuba ujongene nenkampani evumelekileyo kwaye ukuba ityala lakho lenu .
Emva koko, ungaqhubeka nenkokhelo ukuba le nto isenzo ofuna ukuyithatha.
Ukunikezela ngesibonelelo sokubambisa i-fake kunokuba nzima. Eminye ibonisa ukuba iileta ayilona mthethweni ibandakanya amagama angaphangeliyo, igrammar engafanelekanga, izikhombisi ezingacacanga "kumthengi wethu" okanye kwenzekani emva kokuba ulungelelanise, ukungabikho kolwazi malunga nokuhlawulwa kwetyala kwi-IRS, okanye ukhokelo olufunekayo lokuhlawula nge-wire transfer, Green Ikhadi lokubhadela i-Dot, okanye enye indlela engahlawulwanga yokuhlawula. Izibonelelo zokuhlala ngokukhohlakeleyo zinokuthi zivela kumaziko oqokelelo kunokuba zivela kwi-creditor yasekuqaleni.
Iinketho ezimbini zokuthatha uMnikelo wokuHlala
Ukuba ufumana isibonelelo sokuhlawula kwaye unqwenele ukuba unomdla, kukho iindlela ezimbalwa ongayiphendula ngazo. Ungamkela isibonelelo sokuhlawula kwaye uhlawule i-akhawunti ngokupheleleyo. Le ndlela yindlela elula kwaye ekhawulezayo yokujongana netyala, ekucingeni ukuba ufumene isibonelelo sokuhlaliswa ngokusemthethweni. Funda umyalelo wokuhlawula ngokucokisekileyo okanye ube negosa lokuphonononga ukunikezelwa ukuqinisekisa ukuba kubophe ngokomthetho - ukuba umbolekisi okanye umqokeleli akakwazi ukuza emva kwakho kwibhalansi eseleyo ngexesha elizayo.
Okanye, uthethathe i-settlement ephantsi. Umboleki wakho unokuvuma ukwamukela ukuhlaliswa okuphantsi kunokuba kunikwe incwadi.
Ekubeni umnyango wokulungiswa kwetyala sele uvuliwe, ungasebenzisa eli thuba ukubona ukuba umbolekisi uzimisele ukufumana intlawulo ephantsi. Ngaphambi kokuba unike umnxeba okanye uthumele ileta yokuxoxisana, qiniseka ukuba unomlinganiselo engqondweni. Uya kuba nempembelelo eninzi xa unako ukuhlawula imali esinikwe ngokukhawuleza.
Kukho nawuphi na, phambi kokuba wenze intlawulo, fumana imimiselo yokuhlawula ngokubhala, kwincwadi yesikhephe yenkampani kunye nesayinela kumntu othile ngaphakathi kwenkampani ogunyazisiweyo ukuba enze oku kunikezelwa kuwe. Qiniseka ukuba lo mboniso uchaza ukuba intsalela yetyala iya kukhutshwa emva kwentlawulo yakho.
Ukuba Awufuni Ukuhlaziya
Awunakufuneka uthathe isipho. Mhlawumbi isibonelelo sokuhlawula siphezulu kakhulu okanye mhlawumbi unomdla wokuhlawula eli matyala ngeli xesha. Kukho nawuphi na umzekelo, akumele uphendule kwisibonelelo ongenomdla wokuthatha.
Hlalani nikhumbule ukuba nje ityala lihlala lihlawulwa, ababoleki okanye abaqokeleli beetyala banokuqhubeka nokuzama ukuqokelela imizamo kubandakanya ukufaka uluhlu lwetyala kwingxelo yakho yekhredithi ukuba kungaphakathi kwexesha lokunika ingxelo yemboleko. Unokuyeka ukunxibelelana kumntu oqokelelwa ngetyala lomntu wesithathu ngokuthumela ukubhalwa okubhaliweyo kunye nokushiya incwadi .
Impembelelo yeRhafu yokuMkela iMinikelo yokuHlala
Qaphela ukuba ukuba ngaphezulu kweedola ezingama-600 zelo tyala likhansekisiwe kunye nokuhlaliswa, kuya kubakho impembelelo yerhafu yonyaka werhafu ozayo. Unokufumana ifomu ye- 1099-C yokuChoxiswa kweTyala elifuna ukuba uluhlule ityala elikhanseliwe njengeniso kwimbuyekezo yakho yentela. Qinisekisa ukuba ufaka lesi saziso ngenye ingeniso yakho kunye neyomqulu wendleko xa u tyelela i-preparer yakho yerhafu.