Abaqokeleli bematyala , iinkampani zenkampani yesithathu eziqokelelwa amatyala egameni lamanye amashishini, zihlambalaza ezinye zeendlela zobuqhetseba ezisetyenziselwa ukuqokelela amatyala kubathengi. Abaqokeleli abaninzi bahamba nalezi ziqhinga kuba abathengi abaqapheli imithetho echaza indlela abaqokeleli ngayo - kunye nendlela abakwazi ngayo - ukusebenzisana nabathengi xa beqokelela ityala. Ukwazi umyalelo kunokukunceda ukukhusela amalungelo akho nabaqokeleli beetyala .
I-FDCPA - UMthetho woTyala abaThengi
Umthetho woTyala loTyala lokuTyala lokuTyala, olubizwa ngokuba yi-FDCPA, ngumthetho wesigqeba olawula izenzo ezenziwa ngamacandelo asebenza njengabaqokeleli berhafu abathathu kwiimali zabo. Imali-mboleko yemali, iimali-mboleko zasekhaya, ii-bills zonyango, kunye neakhawunti zekhadi lesikweletu nazo zonke zibonwa ngamatyala abo. I-FDCPA isebenza xa ezi mboleko ziqokelelwa ngumqokeleli wetyala lomntu wesithathu, ngokuchasene nomboleki-mali oyimvelaphi. I-FDCPA ayisebenzi xa umqokeleli eqokelela ityala leshishini.
Izenzo zoQoqozo ezingavumelekanga
Nanini na omnye wababolekisi bakho esebenzisa umntu wesithathu ukuqokelela ityala, lowo mqokeleli unyanzelekile ukuba alandele imigaqo ye-FDCPA, nokuba loo mntu wesithathu ungummeli. Kukho izinto ezininzi apho umqokeleli wetyala akakwazi ukwenza phantsi kwe-FDCPA. Akwazi:
- Ukubiza phambi kwe-8 okanye emva kwe-9 ntambama, ngokusekelwe kwinqanaba lakho lexesha
- Ukubizela emsebenzini, ukubonelela ukuba umqokeleli wetyala uyazi ukuba umqeshi wakho akavumelani nale fowuni
- Harass, ukucinezela okanye ukuxhaphaza
- Ukuxoka okanye ukuthetha ngokukhohlisa ukuba wenze ubugebengu
- Sebenzisa izenzo ezingalunganga kumzamo wokuqokelela amatyala
- Gcina ubume bakhe kwifowuni
- Ungayihoyi isicelo esibhaliweyo esivela kuwe ukuyeka ukunxibelelana okuqhubekayo
Izikhokelo zoNxibelelwano lweeNkcazo zokuTyala
Umthetho uphinde uchaze ukuba umqokeleli wetyala makenze njani xa ekhuluma nomntu ngaphandle koqokeleli wetyala.
Umqokeleli akavunyelwe ukunika ulwazi malunga netyala lakho kunoma ubani kodwa wena okanye wakho umlingane (okanye umzali okanye umgcini wakho ukuba ungumntwana)].
Abaqokeleli-matyala abavunyelwe ukuthetha ngeposi okanye ukusebenzisa nayiphi na isimboli okanye ulwimi kwiimvulophu ebonisa ukuba ityala lokuqokelela ityala. Emva kokuba umqokeleli weetyala afunde wena umelwe ngummeli-kwaye unolwazi loqhagamshelwano lommeli-umqokeleli wetyala unokuthetha kuphela nommeli.
Abaqokeleli-matyala abavunyelwe ukusebenzisa nayiphi na indlela yokuhlukumeza okanye ukusetyenziswa kakubi xa bezama ukuqokelela. Akunakuzingela ubundlobongela kumntu onetyala, idumela lakhe okanye impahla yakhe. Ukongezelela, abaqokeleli beetyala abanakusebenzisa ulwimi olungcolileyo okanye oluhlambulukileyo xa bethetha nomntu onetyala ngefowuni okanye ngeposi. I-arhente zokuqokelela kunye nabaqokeleli babo abakwazi ukushicilela nawuphi na uhlobo lohlu lwabathengi abangazange bahlawule ityala, ngaphandle kolawulo lwabathengi.
Xa Amalungelo Akho Aphelile
Ukuba amalungelo akho phantsi kwe-FDCPA aphulwe, unyaka owodwa ukususela kumhla wokuphula umthetho ukufaka ityala kumqokeleli wetyala. Unokufumana ufike kwi-$ 1,000 ngaphezu kokulimala kwangempela kunye nemirhumo yommeli.
Bika i-FDCPA ukuphulwa kwiBhodi yoKhuseleko lweMali yabathengi ngefom ye-inthanethi okanye ngokubiza (855) 411-2372.