Enye yeendlela ababolekisi kunye nabaqokeleli beetyala bafumana abathengi ukuhlawula amatyala abo ngokufaka ityala. Ukuba ijaji iyakubona, inkundla inokukuyalela ukuba ubuyise ityala kwaye inokuyilungisa umvuzo wakho ukuzalisa ngokupheleleyo ityala. Kodwa, ababolekisi bafumana ixesha elithile lokuba banokumangalela ngamatyala.
Siyazi ukuba ummiselo wemingcele ngumthetho onqanda inani lexesha ityala linyanzelekile ngokusemthethweni.
Emva kokuba ummiselo wesikhalazo sele uphelile, umbolekisi akakwazi ukusebenzisa inkundla ukuba akuphoqe ukuba uhlawule ityala. Ixesha lommiselo wemingcele liqala ukukhawuleza ngomhla wokugqibela komsebenzi kwi-akhawunti kwaye ihlala phakathi kwiphakathi kweminyaka emi-3 ukuya kwe-15 kuxhomekeke kwimeko ohlala kuyo xa udale ityala kunye nohlobo lwetyala.
Ngaba uMgcini-mali unokukuxosha emva kokuba i-Statute of Limitations Has Passed?
Ngokwenene, kukuchasene nomthetho wabaqokeleli beetyala ukuba baveze okanye basongele ukukugweba ngamatyala awenqatshelwe ixesha , ukuba ityala lemiqathango yokuphelelwa kwayo iphelile. Oko akuthethi ukuba awuyi kuthethwa. Umqokeleli unokukutshutshisa ngokukodwa xa ekholelwa ukuba ummiselo weemingcele awudluli, umzekelo, iirekhodi zabo zingabonisa umhla wokugqibela wamsebenzi wokugqibela kunokuba unayo. Okanye, abanye abaqokeleli abangathembekiyo bayaphikisana phantsi kokucinga ukuba awukwazi ukubonisa ukuba ummiselo wokunciphisa udlulile okanye awuyi kuboniswa enkundleni ukucela icala lakho.
Ukuba uyazibuza ukuba imimiselo yemingcele idlulile kwityala, unokukwazi ukubuza. I-Federal Trade Commission iye yafuna enye i- arhente enkulu yokuqokelela , i-Accept Acceptance, ukuqala ukwazisa abanetyala xa ummiselo wokunciphisa usuphelile. Azikho zonke i-arhente zokuqokelela ezizenzele ngokuzenzekelayo, kodwa unelungelo lokubuza ukuba ummiselo wokunciphisa udlulile.
Yaye ukuba igosa liphendula, kufuneka liphendule inyaniso. Qaphela ukuba awuyi kwenza nayiphi na intlawulo, amalungiselelo okuhlawula, okanye izithembiso zokuhlawula. Ngaphandle koko, ungaphinda uqalise ngenye indlela ummiselo wemingcele.
Unokwazi Ukuthintana NamaTyala
Nangona ababoleki kunye nabaqokeleli bengenakukwazi ukukusola ngeetyala ezivaliwe ngexesha, banokuqhubeka nezinye iinzame zokuqokelela ezifana nokukubiza, ukuthumela iileta, nokunika ingxelo ngetyala kwi-bureau yee-credit uma kusekho kwixesha lokunika ingxelo ngekredithi . Ukuba ityala linamathele kwisiqwenga sepropati, isib. Umboleko wesikiti ugcinwa sisithuthi, umbolekisi unelungelo lokusemthethweni lokuthatha loo propati.
Yintoni ongayenza Ukuba ulandelwa
Ukuba ukhonjiswe ngetyala lokumema, kukulungele ukuqhagamshelana nommeli onamava anxulumene nababolekisi nabaqokeleli beetyala . Ngale ndlela, unokukwazi ngokugcwele amalungelo akho kwaye ube nommeleli wezomthetho enkundleni.
Musa ukuyihoxisa i-summation sshings, nokuba uyakholelwa ukuba ummiselo wemingcele udlulile. Ukungaphumeleli ukuvela enkundleni kunokukhokelela kwisigwebo esingagqibekanga esilungeleleneyo kunye nawe uza kuhlawulisa ngokuzenzekelayo ityala. Kumele ubonise enkundleni kwaye unike ubungqina obonisa ummiselo wokunciphisa udlulile ukuba ijaji ifumanekele kwaye uyichithise ityala.
Ngethamsanqa, ukuba unetyala kwaye ungabonisa ubungqina bokuba ummiselo wokunciphisa kwetyala sele uphelelwe yile nto iya kukhishwa. Gcina iirekhodi zakho zonke izikwereti zakho, enoba awuzange uzihlawule kwaye nangona ukholelwa ukuba usongelo lomgwebo luye lwadlula. Ukuba uthe wajamelana necala, la maxwebhu aya kudlala indima ephambili ekukhuseleni kwakho.