Xa Umqokeleli WeeTyala Ulahla Ukuyeka Kwakho kwaye Unqande incwadi

Yintoni enokuyenza xa abaqokeleli beetyala bengayi kuyeka ukubiza

UMthetho woTyala loTyala lokuTyala lokuTyala lukunika ilungelo lokuyeka iifowuni ezivela kubaqokeleli beetyala kodwa kufuneka ubeke isicelo sakho ngokubhaliweyo. Kuthekani ukuba uthumela ukuyeka kwakho kwaye unqatshelwe incwadi yokuyeka iifowuni kunye ne-collector i-call? Iyenzeka. Enyanisweni, ngo-2011 i-Federal Trade Commission yenze iirhafu malunga nenkampani enkulu yokuqokelela amatyala ehlulekile ukuthobela iincwadi zokuyeka kunye nokulahla (phakathi kweminye eminye imigaqo yokuphulwa komthetho).

Nantsi oku kufuneka uyenze ukuba umqokeleli weetyala unqabile ukuyeka kwaye unqande incwadi.

Thumela ukuyeka kwaye unqande incwadi

Ungaxhomeki kwisicelo somlomo . Ukuba wenze isicelo sakho kwifowuni, umqokeleli wetyala akavunyelwe ngokomthetho ukuthobela, kungakhathaliseki ukuba sele utsho kangakanani ukuyeka ukukubiza. Ukwahlukana xa umqokeleli ekudibanisa naye emsebenzini emva kokuba ubaxelele ukuba bangabikho.

Akumele uthumele ileta ukuba umise umqokeleli ekubizeni emsebenzini, xelela ukuba umqeshi wakho akakakuvumeli ukuba ufumane ezi ntlobo zeefowuni. Gcina engqondweni umqokeleli unokuqhubeka nokukubiza efonini yakho yefowuni uze uhlawule okanye uthumele isicelo sokuyeka umnxeba.

Qiniseka ukuba umqokeleli wathola ileta . Ngaphambi kokumangalela umqokeleli wetyala lokuphula umthetho waseburhulumenteni, qiniseka ukuba umthetho waphula umthetho. Ukuba uthumele ukuyeka kwakho kwaye unqande incwadi ngokuthumela i-imeyile eqinisekisiweyo ngokubuyisela i-receipt eceliwe, uya kukwazi ukuxelela ukuba le ncwadi yafunyanwa.

Nangona awufumananga iresidi yokubuya, ungasebenzisa i-USPS.com ukulandelela ileta usebenzisa inombolo yeposi eqinisekisiweyo.

Nangona kunjalo, ukuba awuzange usebenzise i-imeyile eqinisekisiweyo okanye iresidi yokubuya, cela nje umqokeleli ukuba aqinisekise ukuba bafumene ileta. Ukuba akunjalo, thumela elinye ngeli xesha ngeposi eqinisekisiweyo ukuze unobungqina bokuba le ncwadi ihanjiswa.

Iresidi yokubuyisela ikunikezela ngesayinitsha somntu owamkele ileta. Abamkeli beeposi eziqinisekisiweyo banokuthi batyikitye iileta zabo, kodwa iofisi yeposi igcina isayinwe kwirekhodi.

Unxibelelwano lokugqibela oluvela kumqokeleli lungile . I-FDCPA ivumela umqokeleli ukuba adibanise nawe ngexesha lokugqibela nangemva kokufumana ukuyeka kwakho kunye nokushiya incwadi. Olu qhagamshelwano lwenziwa ngeposi kwaye kufuneka likuxelele enye yezinto: ukuba umqokeleli wetyala akayi kuthatha nayiphi na into eyongezelelweyo yokuqokelela loo matyala, ukuze athathe amanyathelo athile ngexesha elizayo, nokuba ngokuqinisekileyo uya kuthatha isenzo esithile.

Qinisekisa ukuba akusikho umqokeleli omtsha okanye ityala elitsha . Iingxelo zokuqokelela zidla ngokudlulela ngeenxa zonke kwi-arhente enye yokuqokelela ukuya kwelinye de uhlawule okanye ityala likhanselwe. Ukuba umqokeleli omtsha ufumana ukulawulwa kwetyala lakho, vele uthumele ukuyeka kwaye unqande incwadi kubo. Gcina ikopi yokuyeka kwaye unqande incwadi kwikhompyutha yakho ukwenza kube lula ukuthumela ileta yesibini okanye yesithathu.

Qhubeka ukhumbula ingqalelo ukuyeka kwaye ukuyeka ukungafuni ukusebenza kumthengisi wangaphambili okanye abaqokeleli basekhaya . I-FDCPA ibhaliwe kubaqokeleli beetyala zetyala lesithathu, ngabo baqokeleli abaye babelwe ukuqokelela ityala egameni lomboleki-mali.

Umboleki-mali wakho unokuba neSebe lakhe lokuqokelela kwindlu ngaphakathi eqokelela kwi-akhawunti. Ngaloo ndlela, ukuyeka kwakho kunye nokushiya incwadi akusebenzi. Ngamanye amaxesha, idilesi yokuyeka kunye neyokuthi inokubangela ukuba kuthathwe isenzo esinzima, njengetyala.

Ukuba umqokeleli uyayigxina ngokukhawuleza ukuyeka isicelo sakho sokunxibelelana, thumela incwadi yokugqibela ebacela ukuba bayeke ukunxibelelana. Kwileta yakho yesibili, itekisi yakho yokuqala, kubandakanywa nenani le-receipt eqinisekisiweyo kunye nomhla kunye nexesha loqokeleli asayinele ileta. Ubuye kwakhona ukuba ufuna umqokeleli weetyala ukuba ayeke ukunxibelelana nawe malunga netyala elityalwayo.

Ukuba konke okuhlulekayo, banika ingxelo kwiCFPB

Ekugqibeleni, ukuba umnxibelelwano uyaqhubeka, xelela umqokeleli kwiBosa loKhuseleko lwezeMali kunye ne-Attorney General Jikelele. Okwangoku, unako ukukhusela iifowuni kuxhomekeke kwiinkonzo zakho zefowuni.

Ngokomzekelo, iimakethe ezininzi ze-smartphones zinemisebenzi okanye izinto ezakhelwe ngaphakathi ezikuvumela ukuba uvimbe iinombolo zefowuni okanye ubuncinane zibeke iringithoni ezithulileyo zale fowuni ukuze ungaphazamiseki. Qaphela ukuba abafowni abavinjiweyo basenokukwazi ukushiya umyalezo wezwi. Ngaphandle koko, kuya kufuneka utshintshe inombolo yakho yefowuni okanye ungayithobeli iifowuni.