Abaqokeleli bayi-Bill bayakwazi ukwenza iifowuni zendlu, kodwa bazi amalungelo akho
Unokukufumana ingxaki xa umqokeleli wetyala efika ekhayeni lakho ecela ukuhlawulwa - unokuziva ngathi ukuxhatshazwa, kwaye kuyaxhalabisayo kwabanye abbolekayo.
Ngoko, kunokwenzeka kangakanani, kwaye unokwenza ntoni xa abaqokeleli bebhilidi bebonisa? Ufundiswe ukuze ukwazi indlela yokusingatha imeko.
Iziphumo ziphantsi, kodwa kunokwenzeka
Ubunokwenzeka ukuba umqokeleli wetyala uya kubakhokelela emnyango wakho mncinci - kodwa unokukwenza kwaye kwenzeke. Uninzi lwababolekisi bazithumela iileta kwaye benze iifowuni ukuba bazame ukuqokelela. Ukuthumela umntu ongokoqobo kuyabiza kakhulu, kwaye iziphumo azibonakali zilungele iindleko.
Abaqokeleli bangafika endlwini yakho . Njengabo bonke abantu, bayavunyelwa ukuba bangqongqoze emnyango wakho babuze imibuzo. Umthetho wase-Federal kunye noMthetho woTyala loTyala lokuTyala lokuTyala (i-FDCPA) ngokukodwa awunqandeli abaqokeleli bemali ukuba batyelele umntu. Nangona kunjalo, kufuneka balandele imigaqo ethile-eminye yayo ibhekiselele ekuqokelelwa kwetyala, kunye nezinye eziqhelekileyo kwimvelo (umzekelo, akukho mntu uvunyelwe ukukusongela okanye ukulimaza impahla yakho).
Abaqokeleli-matyala abakwazi ukuza kwikhaya lakho ngexesha leeyure "ezingavamile" ezichazwe ngo-8: 00 ekuseni okanye emva kwe-9: 00 PM, kwaye abanako ukwenza ngendlela abayaziyo abayi kuba nzima kuwe.
Ukuba babonisa, akukho nto iqokelelwa ngabathengi abaninzi abanokuyenza ngaphandle kokucela imali. Uyikoliso olugqithisileyo ngabaqokeleli abancedisa iloli kunye nokuyilayisha kunye nezinto zakho ezixabisekileyo kakhulu akunakwenzeka ukuba zenzeke.
Kwezinye iimeko, abaqokeleli ityala bathi baya kuza, kodwa abanenjongo yokwenza njalo.
Iingxowa ezingaphephile
Ukuba unetyala ngemali ekhuselekile njengemakhadi-mboleko okanye iimali-mboleko zomfundi, ipropati yakho (indlu yakho nezinto ezingaphakathi kwayo) ngokuqhelekileyo azikho engozini.
Ezi mboleko "azikhuseli" kuba awuzange uthembise nantoni na yokubambisa ukuze ufumane imali mboleko. Ngenxa yoko, umnini-mboleko kanakho akanayo ilungelo lokusemthethweni ukuthatha impahla yakho. Bangakwazi ukuhlawula amanqaku akho ekhredithi , ukuhlawulisa iifizi zokugqibela, kunye nokuzisa isenzo somthetho kuwe, kodwa abakwazi ukuhamba ukuya kwindlu yakho bathathe izinto ezixabisekileyo.
Ekugqibeleni, emva kokuba umbolekisi ngempumelelo azisa isenzo somthetho kuwe, umboleki-mali unokukwazi ukuthatha impahla ngaphandle kwemvume yakho. Kodwa uya kukwazi malunga naloo nto ngaphambili, kwaye uya kuva malunga nejaji (okanye uxwebhu olusemthethweni oluvela kurhulumente) - kungekhona umqokeleli wetyala obonisa ngeloli elihambayo. Ngaloo meko, ababolekisi banokucinga ukuba bathathe imali kwiakhawunti yakho yasebhanki , bahlaziye umvuzo wakho, okanye bathathe imali yakho yokubuyisela imali yentlawulo (ukuba unetyala le-US urhulumente). Ukuthatha izinto zakho ezixabisekileyo kunye nokuzithengisa ngemali ayikho indlela efanelekileyo yokuqokelela kwiimali.
Imali Ekhuselekile
Ukuba ufumene imboleko, kuya kwenzeka ukuba abaqokeleli beetyala bavele babonise kwaye bathathe into.
Umzekelo oqhelekileyo ukuhlaziywa kwemoto . Ukuba uboleka imali ukuthenga imoto (okanye ukuba usebenzisa isihloko sakho njengesibambiso semboleko), ababolekisi bangathatha isithuthi ngaphandle kwemvume yakho.
Ngaphandle kwamatyala aqinisekileyo, unamalungelo, kwaye abaqokeleli kufuneka balandele umthetho. Ngokomzekelo, i-arhente ye-repossession ayikwazi ukukusongela ngamandla omzimba, kwaye ayikwazi ukutshabalalisa impahla ukuze ifike kwigaraji lakho. Nangona kunjalo, banokufumana isithuthi esibekwe kwipropati yabucala ukuba ifikeleleka.
Imboleko yemali yenye inhlobo yemboleko eqinisekisiwe. Ukuba uyeka ukwenza iintlawulo, ababolekisi banokuthi bangenele ekhaya- bathathe ilifa baze bathengise ipropati ukuze babuyiselwe imali yabo. Nangona kunjalo, kukho inkqubo ende yomthetho ekhokelela ekugqibeleni nasekukhutshweni kokugqibela. Kwiimeko ezinzima kakhulu, ukukhutshwa ngokuqhelekileyo kuya kwenziwa ngokusetyenziswa kwegosa lokuthotyelwa komthetho (ngokuchasene nomqokeleli wetyala).
Ukuba kwenzeka
Ukuba ngabaqokeleli beetyala beza kukutyelela, akukho nzuzo enkulu yokujongana nabo ngaphakathi komuntu. Ngethamsanqa, akudingeki uvule umnyango, akufuneki ukuba uthethe nabani na (ukuba kwenzeka ukuba uphendule umnyango ngaphandle kokwazi ukuba ngubani).
Gwema uxoxiswano lomntu: kukulungele ukujongana nabathengi ngokubhaliweyo okanye ngefowuni.
- Ngubani osebenza naye? Ingxaki yokuqala ngentsingiselo yomntu kukuba awukwazi ukuba ngubani ojongene naye. Umntu unako okanye angenako ukuqokelela ngokusemthethweni. Ukuba unika imali, kuya kufuneka uthembele ukuba iya kwindawo efanelekileyo.
- Izivumelwano ezibhaliweyo: kukulungele ukufumana izivumelwano ezivela kubathengi ngokubhaliweyo. Ingxoxo yomlomo kunye nomntu kwiphepha lakho lingenako ukuvelisa iziphumo ozifunayo okanye ozilindeleyo. Unokucinga ukuba amatyala achithwa kwiingxelo zakho zekredithi, kodwa umqokeleli akanako ukusebenzisana.
- Nciphisa phantsi: ukuba ungasemva kweebhilikhwe zakho, mhlawumbi unendawo ebonakalayo yemali. Ufuna ixesha lokuphonononga iinkcukacha kwanoma yiyiphi inqubo (kunye nefuthe kwibhajethi yakho) ngaphambi kokuba unike imali okanye ubhale isheke. Awunakwenzeka ukuba ufumane ixesha olilifunayo kunye nomqokeleli onomdla ophefumula entanyeni yakho.
Unganikeli naluphi na ulwazi kumntu oza kumnyango wakho. Oku kunengqiqo nokuba ulindele abaqokeleli bayi-bill okanye cha. Ukuba umntu ubuza ukuba ungubani, fumana ukuba ngubani na ngaphambi kokuba abelane negama lakho okanye nayiphi na enye inkcukacha.
Abaqokeleli-matyala abavunyelwe ukwabelana ngolwazi malunga netyala lakho nabani ngaphandle kwakho (kwaye mhlawumbi umlingane, kuxhomekeke kumthetho kaRhulumente). Ukuba awuzichazi wena, abazi ukuba ungubani, kwaye abanakukwazi ukuxoxa ngetyala lakho.
Ukuphelisa oko: ukuba ungathanda ukuthintela abaqokeleli ukuba bangaqhagamshelani nawe (nokuba ngumntu-okanye ngefowuni), thumela isicelo esibhaliweyo sokuba babuyeke . Ngaphantsi komthetho we-federal, ezi zihlandlo-ngamanye amaxesha ezaziwa ngokuba yiCaase kunye neNqaba zincwadi-kufuneka zihlonishwe. Thumela ileta ngeendlela zokuthutha ezinokubhaliweyo (njengomthuthi ofuna isayinitsha okanye i-USPS yokufumana i-receipt). Emva koko, ababolekisi bakho kufuneka banqamle ukuqhagamshelana nezifundo ezithile, njengokuqinisekisa isicelo sakho okanye ukuthumela izibuyekezo zomthetho. Abayi kuvunyelwa ukuba bafike endlwini yakho emva kokufumana eso sicelo, kwaye uya kuba nako ukufaka isityholo xa benza njalo.
Buza ukuba bahambe: ukuba ufumana ingxoxo engadingeki kunye nomqokeleli wezikweletu, bacele ukuba bahambe. Yiba nesidima kwaye uhloniphe - abaqokeleli abaninzi baya kukuhlonela isicelo sakho, kwaye akukho mfuneko yokwenza imeko embi ngakumbi. Ukuba ujamelana nokumelana, khumbulani ukuba bahlala kwipropati yabucala kwaye ubacela ukuba bahambe. Ukuba oko akusebenzi, biza amapolisa.
Khumbula, unamalungelo nangona unetyala. Awunyanzelekile ukuba uthethe nabani na. Abaqokeleli-matyala abangekho amapolisa, kwaye abanakuzenzele ngokusemthethweni ukuba babe ngabaphathi bezomthetho okanye bakusongela ukuba ubavumele. Nangona amapolisa akavunyelwe ukungena endlwini yakho ngaphandle kwesizathu esingokomthetho. Umphandi okanye igosa likawonke-wonke lingaya ekhaya lakho ukuhambisa amaxwebhu asemthethweni ("sebenzisa amaphepha," umzekelo), kodwa abanakukuhlukumeza okanye ukuqhubeka becela imali emva kokuba ubacele ukuba bayeke.
Indlela Abakufumanayo
Ngenxa yokuba ukutyelela kwangaphakathi kumntu akunakwenzeka kwaye unokwazi ukubacela ukuba bahambe, akudingeki ukuba uphume ngendlela yakho ukufihla indawo yakho. Kodwa abantu abazinikeleyo bangabonisa ukuba kulungile. Abaqokeleli bematyala bafumana idilesi yakho kunye nolunye ulwazi oluncedo oluvela kwiindidi zolwazi zoluntu kunye nolwangasese. Iinkampani ozenza ishishini nazo zingathengisa ulwazi lwakho, ngelixa iirekhodi kunye neengxelo zokuvota zifumaneka malunga nantoni na. Indlela yodwa yokuhlala ifihliwe kukuba uhambe ngokupheleleyo kwigridi - kodwa kulula ukuba uthumele isicelo esibhaliweyo ukuba ubacele ukuba bahambe bodwa.