UMthetho woTyala loTokelo loTyala oluPhezulu (FDCPA)

by LaToya Irby

Umthetho woTyala lokuTyala lokuTyala lokuTyala, obizwa ngokuba yi-FDCPA, uchaza indlela abaqokeleli bematyala abanokuyenza ngayo xa beqokelela amatyala kuwe. Ezi zinto ziqokelelwa ngetyala. Ukuba ufuna ukubhekisela kumthetho ukuqinisekisa ukuba ngaba umqokeleli wetyala ubambe ngaphandle komthetho, izibonelelo zinikezelwe.

01 Buza ukuba ukhokhe ngaphezu kweentlawulo zakho

Umqokeleli akakwazi ukuchasisa imali efunekayo. [15 USC 1692e] § 807 (2) (a)

02 Buza ukuba ukhokhe umdla, intlawulo, okanye iindleko ezingavunyelwe ngumthetho

Umqokeleli akakwazi ukudibanisa nayiphi na imali eyongezelelweyo ukuba isivumelwano sakho semali-mboleko okanye isivumelwano semali-mboleko asivumeli. [15 USC 1692f] § 808 (1)

03 Shayela ngokuphindaphindiweyo okanye ngokuqhubekayo

I-FDCPA ibona iifowuni eziphindaphindiweyo njengentlanzi. [15 USC 1692d] § 806 (5)

04 Sebenzisa ulwimi oluhlambalazayo, oluhlambulukileyo okanye oluhlaselayo

Ukusebenzisa lolu hlobo lolwimi kuthathwa njengexhatshazwa. [15 USC 1692d] § 806 (2)

05 Biza phambi kwe-8: 00 ekuseni okanye emva kwe-9: 00 ntambama

Izingcingo ngeli xesha zibhekwa njengexhatshazo. [15 USC 1692c] § 805 (a) (1)

06 Ukufowuna ngamanye amaxesha umqokelezi uyazi okanye kufuneka azi ukuba ayinakwenzeka

Iifowuni kulezi zihlandlo zibhekwa njengentlanzi. [15 USC 1692c] § 805 (a) (1)

07 Sebenzisa okanye usongela ukusebenzisa ubudlova ukuba awuhlawuli ityala

Abaqokeleli abanako ukusongela ubundlobongela. [15 USC 1692d] § 806 (1)

08 Isenzo esityhaphayo abakwaziyo okanye abayi kuthatha

Abaqokeleli abanako ukusongela ukutshutshisa okanye ukufakela iifayili malunga nawe, ukuhlawula umvuzo , ukuthatha impahla, ukulahleka kwemisebenzi, okanye ukuchitha inkokhelo yakho xa umqokeleli engakwazi okanye engenaso ukuthatha isenzo. [15 USC 1692e] § 807 (5)

09 Ngomthetho xelela umntu wesithathu malunga netyala lakho

Ngaphandle kokuba unike imvume ngokucacileyo, abaqokeleli abavunyelwe ukuba baxelele nabani malunga netyala lakho ngaphandle:

lakho igqwetha
umboleki
igqwetha lomboleki
igosa lokubika ngetyala
lakho iqabane
Umzali wakho (ukuba uncinci)

[15 USC 1692c] § 805 (b)

Bamba ngokuphindaphindiweyo umntu wesithathu ukuze ufumane ulwazi lendawo yakho

Umqokeleli angaqhagamshelana nomntu wesithathu ngaphandle kokuba unesizathu sokukholelwa ulwazi olunikeziwe ngaphambili. [15 USC 1692b] § 804 (1)

11 Ukuqhagamshelana nomsebenzi ukwazi ukuba umqeshi wakho akakwamkeli

Umqokeleli akavumelekanga ukuba axhumane nawe emsebenzini xa ubaxelela ukuba umqeshi wakho akavumelani nale fowuni. [15 USC 1692c] § 805 (a) (3)

12 Ukuhluleka ukuthumela isaziso sokuqinisekiswa kwetyala esibhaliweyo

Kwiintsuku ezintlanu zoqhagamshelwano lokuqala , kufuneka ukuthumele isaziso kufaka isixa semali, igama lombolekisi, kunye nesaziso sakho segunya lokuphikisana netyala kwiintsuku ezingama-30. [15 USC 1692g] § 809 (a)

13 Gcoba isicelo sakho esibhaliweyo sokuqinisekisa ityala kwaye uqhubeke ukuqokelela

Umqokeleli akakwazi ukuqhubeka ukuqokelela kwityala emva kokuba wenze isicelo esibhaliweyo sokuqinisekisa ityala ngelixa isicelo senziwe zingadlulanga iintsuku ezingama-30 kwesaziso esibhaliweyo somqokeleli. [15 USC 1692g] § 809 (b)

14 Qhubeka ukuqokelela kwityala ngaphambi kokuba unikeze ukuqinisekiswa

Emva kokufumana ingxabano yakho ebhaliweyo, umqokeleli kufuneka ayeke ukuqokelela kwityala de ufumane ukuqinisekiswa. [15 USC 1692g] § 809 (b)

15 Qhubeka uzama ukuqokelela emva kokufumana isaziso sokuyeka isaziso

Ukuba wenza isicelo esibhaliweyo sokuba umqokeleli ayeke ukunxibelelana, unokukuqhagamshelana nawe ixesha elilodwa, ngeposi ukuze akuxelele enye yezi zinto zilandelayo: ukuba iinzame ezongezelelweyo zokuqokelela ityala ziphelile, ukuba kuthathwe amanyathelo athile umqokeleli, okanye ukuba umqokeleli uya kuthatha isenzo esithile. [15 USC 1692c] § 805 (c)