Xa ifowuni yakho ibhala nge-8 ekuseni, umntu wokugqibela okulindele ukuba ube ngumqokeleli wetyala. Ukuba kusemva kokuhlwa kwaye uzama ukutya, mhlawumbi unomsindo. Usenokumangaliswa ukuva ukuba abaqokeleli basebenza ngaphakathi komthetho ukuba bayabiza ngezinye zezi zihlandlo. Umthetho woTyala loTyala lokuTyala lokuTyala (i-FDCPA) ngumthetho wase-Federal obeka izikhokelo xa abaqokeleli beetyala banokubiza.
Kukho imida xa abaqokeleli beetyala banakho ukubiza.
Bangabiza Kuphela Phakathi Kweeyure Eminye
Abaqokeleli-matyala abakwazi ukukubiza ekuseni okanye kusasa ebusuku. Umthetho uchaza ngokuthe ngqo ukuba banokukubiza kuphela ngo-8 ekuseni no-9 ntambama, ixesha lakho lendawo. Ukubizela nganoma nayiphi na ixesha kuphulwa kwe-FDPCA. Ukuba unqwenela umqokeleli wetyala ukuba akubize ngaphandle kweeyure, umzekelo ngo-6 ekuseni, unokucela ukuba bakubize ngelo xesha.
Akunakukubiza Ngomsebenzi Ukuba Ucela Ukuba Awuyi
Abaqokeleli-matyala bangafumana inombolo yefowuni yomsebenzi kwi-creditor yakho yasekuqaleni, evela kwingxelo yakho yekhredithi, ngokubiza ngokucela yakho intsapho kunye nabahlobo, okanye ngokuphanda kwi-intanethi. Ungamangaliswa ukwazi ukuba banokukubiza emsebenzini ngaphandle kokuba ubazise ukuba abavunyelwe. Ngokomzekelo, ukuba umqeshi wakho akakakuvumeli ukuba ufumane iifowuni zomsebenzi emsebenzini, vumela ukuba umqokeleli wetyala awazi kwaye akufanele baqhagamshelane nawe emsebenzini.
Abakwazi ukukubiza ngokuphindaphindiweyo
I-FDCPA ayichazi ukuba kaninzi kangakanani umqokeleli wetyala angabiza, umz. Ngeveki okanye ngosuku okanye ngamaxesha amaninzi ngosuku. Ngokwenza oko, ukwenqabela abaqokeleli ukuba "bangabangela ukuba ifowuni ikhawule ngokuphindaphindiweyo okanye ngokuqhubekayo ukucaphukisa". Ngoko ke, abaqokeleli beetyala akufanele bakubize emuva, ngokukhawuleza emva kokuba uthethe kubo kwaye ugqibe umnxeba okanye emva kokuba ucele ukuba ungabiza.
Kufuneka bazise iMiganda encinane .
Bangakwazi Ukubiza Ifowuni Yakho Yefowuni
Akukho nto emthethweni othi abaqokeleli ityala abakwazi ukubiza umnxeba wakho umnxeba. Ukuba inombolo yakho yefowuni inomboro owanike yona xa ufake isicelo kunye nomthengi we-original, loo mqokeleli wenkokheli uya kuqhagamshelana nawe. Abaqokeleli beetyala banokufumana inombolo yakho yefowuni kwirekhodi yakho yekhredithi ukuba uyinike nawuphi na omnye wabakweleta bakho ukuba baqhagamshelane nawe.
Abakwazi ukubiza Ukuba Ubaxelela ukuba bangabikho - Kubhala
Ukuyeka iifowuni zokuqokelela amatyala ngokupheleleyo, ungathumela ukubhalwa okubhaliweyo kwaye unqatshelwe ileta ukuba ubazise ukuba bangabibizi kwakhona. Emva kokuba umqokeleli wetyala athola ileta yakho, banokuqhagamshelana nawe kwakhona kwaye kukukwazisa ukuba sisiphi isenzo abaceba ukuza kuso. Okokuba ngaba baceba ukuthatha inyathelo kuwo onke. Qaphela ukuba kufuneka wenze "yakho ifowuni" isicelo ngokubhaliweyo ukuze ithamathe ngokusemthethweni. Thumela ileta yakho ngeposi eqinisekisiweyo ukuze ulandelele kwaye wazi ukuba umqokeleli wetyala uyayifumana.
Bangakwazi Ukubiza Intsapho Yakho Kodwa Abakwazi Ukuthetha Ngetyala Lakho
Abaqokeleli bematyala banokuqhagamshelana nentsapho yakho, abahlobo kunye nabamelwane ukuba bafumane ulwazi malunga nawe, kodwa abavunyelwe ukubonakalisa ukuba batyala imali.
Akwavunyelwe ukuba abonakalise nayiphi na into malunga netyala lakho. Banokuqhagamshelana nabathandekayo bakho kanye kwaye banokubiza kuphela ukuthola idilesi yakho, inombolo yefowuni kunye nendawo yengqesho.
Iveki kunye neeHholide zeeHholide zingathatyathwa njengento engeyiyo
Kuthiwani ngeveki neeeholide? Ngenhlanhla, amashishini amaninzi, kuquka i- arhente yokuqokelela, ivaliwe ngeveki neeeholide. Nangona i- FDCPA ayitsho ngokuthe ngqo ukuba yiziphi iintsuku zabaqokeleli beveki kwaye abanako ukubiza, litsho ukuba abaqokeleli abanakukwazi ukuthetha nawe ngexesha " elimele liyaziwa lingahambi ."
Ukuba umqokeleli ubiza ngexesha elibi, yithi, "Akusixesha elifanelekileyo" kwaye ubazise ngokucacileyo ixesha elifanelekileyo. Umqokeleli wetyala unyanzelekile ukuba ahloniphe isicelo sakho, nokuba uthe wenza ngegama.
Yenza ingqalelo yale ngxoxo kuquka umhla nexesha. Qaphela kwakhona nayiphi na iifowuni ezizayo abaqokeleli bamatyala abakwenzayo ngexesha obaxelele ngalo. Unokuba nezizathu zokumangalela umqokeleli ukuba uyaqhubeka ukubiza ngexesha othe walichazela lona.
Indlela yokusingatha iifowuni zokuqokelela ezidlulileyo
Ukuba ukholelwa ukuba umqokeleli wetyala ulwaphula umthetho ngokukubiza ngaphandle kwexesha elivunyelwe okanye ngokubiza rhoqo rhoqo kunokuba kufuneka, ingakumbi emva kokuba uthumele ukuyeka nokuyeka incwadi ekubongoza ukuba bayeke ukubiza, ungabaxelela kwiCFPB kunye ne-Attorney General Jikelele. Izikhalazo zabathengi ngokwaneleyo okanye igunya lingenza ukuba iqokelelwa ngetyala kwaye lifune ukuba bayeke ukuphula umthetho.
Ukuhlawula ityala okanye ukwenza ilungiselelo lokuhlawula kuya kubangela abaqokeleli ukuba bakubize. Ngaphambi kokuba uhlawule, qinisekisa ukuba ityala lakho lenu kwaye lixesha lokunyanzeliswa ngokusemthethweni .