Ukwazi amaLungelo akho kunye nabaqokeleli amatyala
Njengomthengi, kubalulekile ukuba uqaphele ngamalungelo akho nabaqokeleli beetyala , nokuba ngaba awunayo i-akhawunti ekhoyo kwiikholeji. Unokufuneka ujongane nomqokeleli wetyala ngexesha elithile. Abaqokeleli-matyala bangazama ukukuhlawula ityala ongenayo imali (oko kwenzeka ukuba isikhalazo esiphambili malunga nabaqokeleli bamatyala) okanye udibanise nawe ukuze ufumane ulwazi malunga nomhlobo okanye isihlobo esinawo amatyala.
Kubalulekile ukugcina irekhodi lokusebenzisana kwakho nabaqokeleli beetyala. Njalo xa ufumana okanye uphendula umnxeba, gcina incwadi echaza into othetha ngayo. Unokufakela la manqaku ngaphandle kwanoma ziphi na iileta ozithumele umqokeleli wetyala. Ukuba kamva ufake ifowuni okanye isikhalazo kumqokeleli wetyala, la maxwebhu aya kunceda ngenkxaso yakho.
Yintoni ongayenza ukuba uMqokeleli weMatyala ahlasele i-FDCPA
Kukho izinto ezininzi zokwenza ukuba umqokeleli wetyala aphule amalungelo akho, umzekelo ngokukubiza nangemva kokuba uthumele ukuyeka nokubhala incwadi.
Unelungelo lokuthatha le nyathelo ngokumelene nomqokeleli wetyala ophula i-FDCPA:
- Fakela isikhalazo kwiBhunga loKhuseleko lwezeMali kumthengi. I-CFPB inokuphanda isikhalazo sakho kunye nezinye izikhalazo malunga nalowo mqokeleli kwaye zihlawulise ngokuphula umthetho. Kwezinye iimeko, abathengi banelungelo lokubuyiswa kwemali ehlawulwe kumntu oqokelelwa ngamatyala owephula i-FDPCA.
- Fakela isikhalazo kummeli jikelele welizwe. Njenga-CFPB, ummeli wakho welizwe jikelele ungathatha isenzo somthetho malunga nomqokeleli wetyala ophula umthetho.
- Fakela isikhalazo kwiBusiness Business Bureau. Ngoxa i-Business Business Bureau ayikwazi ukuthatha amanyathelo angokomthetho kubathengisi bamatyala abaphula umthetho we-FDCPA, banokukunceda ukuxoxisana ngokuchasene nabaqokeleli bamatyala. I-BBB ikwazisa izikhalazo zabathengi ngokubhekiselele kumashishini kwaye inokunceda ukunceda abanye abathengi malunga neengxaki zabathengi abathile.
- Faka ifom yomntu kwilizwe lakho okanye inkundla yenkundla ukuya kwi-$ 1,000 kuquka nomonakalo. I-FDPCA ikunika ilungelo lokumangalela umqokeleli wetyala owephule amalungelo akho. Qhagamshelana nommeli welungelo lomthengi ukuxoxa ngetyala lakho.
Xa ufaka isikhalazo okanye i-suit against umqokeleli wetyala, unokuba nobungqina obuninzi obuxhasa ibango lakho ngokusemandleni akho, kubandakanya imihla kunye namaxesha eefowuni ze-fowuni, igama le -ejensi yokuqokelela , igama lomntu othetha naye kunye neenkcukacha ezithile malunga nokuphulwa .