Iingxowa ngeSigxina esiphelelwe nguMida
Xa amatyala eneminyaka ethile, umngcipheko wokusetyenziswa usehla ngokuphawulekayo. Kungenxa yokuba amatyala angaba ixesha elivinjiweyo emva kwexesha elithile, kuxhomekeke kumthetho kwilizwe lakho.
Ziziphi Ixesha-Iingxowa Zengxaki?
Iimali ezivaliwe ngexesha-mali zinamatyala amaninzi kakhulu kubaboleki kunye nabaqokeleli beetyala ukuba bakugwebe. Urhulumente ngamnye unomthetho ocacisa ukuba umqokeleli weetyala unokukukhawulela ixesha elingakanani ityala. Eli xesha liyaziwa ngummiselo weemingcele kwaye liphakathi kweminyaka emithathu nantandathu kwiinkoliso ezininzi, kodwa zinokuba zide.
Ngaphambi kokuba uphendule kwisikwere esidala, khangela ummiselo weemingcele kwilizwe lakho . Unokuqinisekisa ummiselo kunye ne-Attorney General Jikelele.
Izigwebo zeeNkcitho eziThatywayo
UMthetho woLwabiwo loTyala loTyala oluLungileyo alwenqabela abaqokeleli beetyala ukuba bangazivumeli okanye batyisongele ukukugweba ngamatyala athile, kodwa oko akuthethi ukuba akuyi kwenzeka. NgoFebruwari 2012, i-Federal Trade Commission yamangalela omnye umqokeleli omkhulu weetyala, i-Asset Acceptance, ngokuphula le nxalenye ye-FDCPA. Njengengxenye yokuqulunqwa kwempahla, i-Accept Acceptance ngoku idibene "ayiyi ku-sua" isaziso kwiimali zokuqokelela izaziso ezidlulileyo ummiselo wokunciphisa.
Ukuba kwenzeka ukuba uhlawuliswe ngetyala elivalwe ixesha, unokunika inkundla ubungqina bokuthi ummiselo wokunciphisa usuphelile. Musa ukunyanzelisa i-suttered law of law under the assumption that it will take care of itself or that it does not matter because the rule of limitations has expired.
Umboleki okanye umqokeleli unokufumana isigwebo esingagqibekanga kuwe kunye nomyalelo wokulungisa umvuzo wakho ukuba awuyikuhlawula isigwebo. Qhagamshelana nommeli ukuba ufumene ikhondo elincinane lezenzo zokuthabatha ukuba uthathelwa ityala, nokuba ngaba ityala lixesha-okanye livumelekile.
Umsebenzi wokuqokelela usavunyelwe kwiMali-mboleko
Ungacingi ukuba ngenxa yokuba ityala lixesha-livinjelwe ukuba awukakhokhwa kwakhona okanye ukuba umbolekisi wakho akakwazi ukuza emva kwakho ityala.
Ababolekisi kunye nabaqokeleli beetyala banokuqokelela amatyala ahlawulwe ngamaxesha kunye neeleta kunye neencwadi, ngaphakathi kwemida yomthetho wekhosi.
Iingxowa ezithintele ixesha zingabonakala nakwiirekhodi lakho lekhredithi ukuba umlinganiselo wexesha lokubhengezwa ngetyala alipheli. Uninzi lwamatyala luyakubonakala kwingxelo yakho yeekhredithi iminyaka eyisixhenxe ukususela kumhla owawuhlaselwa kuyo. Ukuba ummiselo wokunciphisa uphela ixesha elidlulileyo ngaphambi kokuba le minyaka eyisixhenxe iphakanyiswe, i-akhawunti iya kuhlala kwi-credit report yakho.
Yintoni Ongayenza Ngayo Amatyala Aphelile
Kukho iindlela ezimbalwa zokusingatha umqokeleli wetyala ozama ukuqokelela ityala elivalwe ixesha elivela kuwe.
- Cela umqokeleli wetyala ukuba anike ukuqinisekiswa okubhaliweyo kwetyala . Le nkqubo iyaziwa njengesiqinisekiso sokuhlawulwa kwetyala kwaye kufuneka yenziwe zingadlulanga iintsuku ezingama-30 kumntu oqala ukudibana naye. Emva kokuba uthumele isicelo esibhaliweyo sokuqinisekisa, abaqokeleli abanako ukuzama ukuqokelela kuwe ukususela xa banikezele ubungqina bokuba unetyala lakho.
- Cela umqokeleli wetyala ukuba ayeke ukunxibelelana nawe . Ukuba awufuni umqokeleli wetyala ukuba abize okanye athumele iileta kwakhona, thumela incwadi ebhaliweyo echaza ukuba imimiselo yemingcele iphelelwe yisikhathi, kwaye awunasifuni ukuqhagamshelana nelo matyala. Umqokeleli unokunxibelelana nawe kwakhona ukuze akuxelele into enenjongo yokuyenza emva koko, ukuba kukho na emva koko akufanele uve kuvela kumqokeleli kwakhona.
- Ungayihoyi iifowuni kunye neeleta . Ukungahoxiswanga kwetyala akusenzi ukuba kuhambe, kodwa unokukhetha olu khetho ukuba awufuni ukukhathazeka ngokusebenzisa iileta. Khumbula ukuba ityala alishiyi nje ngenxa yokuba uyayihoxisa kwaye qiniseka ukuba awuyikunyanzela ukuthunyelwa kwetyala.
Gcina ukhumbule ukuba xa nje ityala likhona, lingathengiswa kwaye linikezelwe kwiiqoqo ezahlukeneyo. Kuya kufuneka uphinde uphendule le nyathelo rhoqo xa umqokeleli omtsha weetyala eqala ukuqokelela kwityala lakho. Ukuba umqokeleli wetyala uphula amalungelo akho, unokufaka isikhalazo kwi-Federal Trade Commission kunye ne-Attorney General Jikelele. Unokukwazi ukufaka ityala kumqokeleli weetyala ukufikelela kuma-$ 1,000 kunye kunye nemonakalo.