Abanye abaqokeleli ityala kuquka iinkampani zekhadi zekhredithi ziza kuzama ukunyanzela ukuba wenze inkokhelo ngokusongela umvuzo wakho. Ukuba oku kuyenzeka kuwe, kubalulekile ukuba uqonde imithetho ejikeleze ukulungiswa kwemvuzo, ukuba umvuzo wakho ulungiswe njani unokuchaphazela ingxelo yakho yekhredithi, kwaye unokwenza ntoni ukukunceda ukukhusela umvuzo wakho kubathengi.
Umthetho Wokulungiswa Kwemvuzo
Ngaba bayayilandela ngokwenene?
Ewe, kodwa kungekude bakugwebe, bawine, kwaye babe nejaji ukugqiba umvuzo wakho njengendlela yokuhlawula. Akukho mthethweni kubaqokeleli beetyala ukuba bakusongela isigwebo xa bengenakulungele ukwenza njalo okanye ukuba abanako ukwenza ngokusemthethweni. Ikhadi lakho lesikwelethi akunakwenzeka ukuba akutshutshise ngokulungiswa kwemvuzo kodwa ngokuqinisekileyo unokukulimaza ngezinye iindlela, kuquka ukulimaza ingxelo yakho yekhredithi kunye nokubandakanya i-arhente yokuqokelela amatyala.
Ungayihoyi i-Lawsuit
Ukuba unikwe ngamaphepha omthetho malunga nokugweba, kukulungele ukuqhagamshelana negqwetha. Musa ukuyihoxisa umgwebo njengoko ukwenza njalo kuya kukulimaza. Ukuba awubonanga enkundleni, ummangalelwa (nabani na obeka isigwebo) angaba nomgwebo ongagqibekanga ongenayo. Oku kuthetha ukuba uyazihlawulisa ngokuzenzekelayo nayiphi na imali umboleki-mboleko enokumangalela yona kwaye inkundla inquma indlela yokufumana imali kuwe, mhlawumbi ngokulungiswa kwemvuzo.
Ukuba ufumana isaziso esivela kumqeshi wakho malunga nomvuzo wakho ulungiswe kodwa awuzange usebenze ngamaphepha okugweba, kufuneka uqhagamshelane negosa ngokukhawuleza. Amathuba amahle ukuba umboleki-mboleko / umqokeleli wetyala akazange alandele inkqubo echanekileyo kwaye unokukwazi ukugwetywa.
Unokuphepha ukugwetywa kwaye ulungiswe umvuzo ngokubanzi ngokuhlawula amatyala ngaphambi kokuba ube ngumntu ogqithisileyo.
Ababolekisi banokumangalela, nokuba ngaba u-$ 500 okanye i-$ 50,000.
Ukulungiswa Kwemvuzo kunye neNgxelo Yemali Yakho
Xa umboleki-mboleko ekumangalela kwaye anqoba, isigwebo singeniswe kwingxelo yakho yebhanki kwaye ihlala khona iminyaka eyisixhenxe ukusuka ngomhla wokufowunela. Njengoko ixesha lidlulayo, lo mgwebo uya kuba nefuthe kumanqaku akho okwekhredithi ngamanani angaphantsi kodwa ngaphantsi kodwa iya kubonakala kwixesha elizayo. Oku kunokuchaphazela amandla akho okuvula amanye amakhadi-ngxowa-mali, ukufumana imali yokuthenga impahla, okanye ukuthenga okanye ukuqeshisa imoto.
Ukukhusela Imali Yakho Evela Kwimboleko
Nangona ababolekisi, kubandakanywa iinkampani zekhadi zetyala, abavami ukufakela izigwebo zokugcoba umvuzo, ukuba unomsebenzi oqinileyo kunye nezikwereti ezigqithisileyo, ukulungiswa kwemvuzo kunokwenzeka ngokwenene. Kungenzeka ukuba urhulumente wakho ungomnye wamazwe awenqabela ukulungiswa kwemvuzo. Okanye umvuzo wakho ophezulu wokuhlawulela umvuzo unokuba ungezantsi kakhulu okanye ingeniso yakho ingaba phezulu kangangokuthi ukuba nomvuzo wakho ulungiswe ngeke kuphazamise indlela yakho yokuphila. Kunokwenzeka nokuba inkundla inokulawula ukuba umbolekisi angakhokhela i-akhawunti yakho yebhanki kunokuba ahlaziye umvuzo wakho, oya kuba nefuthe elihle kwimpilo yakho.
Esikhundleni sokubeka ingozi kumvuzo wokuhlawula imali okanye umrhumo webhanki, kufuneka ufikelele kwiinkampani zakho zekhadi lesikweletu kwaye uzame ukusebenza nabo ukulungisa ityala lakho.
Ukuba i-akhawunti yakho ibonakele ngokugqithiseleyo, kungenakho ukukhawuleza ukulungisa ingxelo yakho yekhredithi kodwa unokukwazi ukuhlawulela imeko ngokumalunga nokuba ungakanani na. Ngokuqhelekileyo amakhadi ekwereta aya kuhlala kwiqhekeza letyala, ngokuqhelekileyo ngenkokhelo eninzi, nangona unako ukuxoxisana nesicwangciso sokuhlawula.