Ngaba uye wakha watyala inkokhelo evela kumqokeleli omnye waya kwelinye ngaphezu kwezinto ezinjengexesha elide? Ngexesha elithile, umjikelo kufuneka ucime, akunjalo? Kunene.
Amatyala ahlenga umhla wokuphelelwa yisikhathi obizwa ngokuba ngummiselo wokunciphisa ogcina abaqokeleli beetyala, kunye nomthengi wangaphambili, ukusukela ngokusisigxina. Ngaphambi kokuba uvumele ukuhlawula ityala elidala, qala qinisekisa ukuba imimiselo yemingcele ayipheli.
Ukuba ixesha lexesha liphelile, unokugqiba isigqibo sokuba unomdla ongenakho ukuhlawula.
Ixesha leMibini yeeMali
Abantu abaninzi bafumana ummiselo wokunciphisa ukudideka kunye nexesha lokunika ingxelo ngetyala. Ngoxa bebini bobabili umda wexesha elinxulumene netyala, banemiphumo eyahlukileyo kwaye baqhutyelwa ziziganeko ezahlukileyo kumjikelezo wobomi bentyala.
Umyinge wexesha lokubhengezwa ngetyala likhulu lemali yexesha le-credit bureaus lingabandakanya izikwereti ezigqithisiweyo kwingxelo yakho yekhredithi . Kwiintlobo ezininzi ze-akhawunti, iminyaka eyisixhenxe ukususela kumhla wobugqwetha. Nangona kunjalo, i-bankruptcies ichazwe iminyaka engama-10 kunye neenqwelo zerhafu zingabikwa kwi-15 ukuya kwi-15. Umda wexesha lokunika ingxelo ngekhredithi ulawulwa yi- Fair Credit Reporting Act kwaye ayichaphazeli ummiselo wemingcele yokuqokelela ityala.
Ngokomnye icala, imimiselo yemingcele yesikweletu, lixesha lexesha elithe yahlawuliswa ngumthetho.
Iintsingiselo, inani lexesha umthengi okanye umqokeleli angasebenzisa inkundla ukuba kukuphoqe ukuba uhlawule ityala. Ixesha liqala ngomhla wokugqibela we-akhawunti yomsebenzi kwaye uhluka ngobuso.
Indlela yokusebenzisa i-Statute kwi-Advantage yakho
Ummiselo wemingcele uqala ngomhla wokugqibela womsebenzi kwi-akhawunti.
(Hlalani nikhumbule oku kungahlukileyo ukusuka ngomhla oye waphuma ngayo i-akhawunti ngenxa.) Ingxelo yakho yekhredithi iya kubandakanya umhla wokugqibela we-akhawunti.
Nangona ummiselo wemingcele uphelile, abanye abaqokeleli ityala baya kuqhubeka bezama ukuqokelela. Bathemba ukuba awukwazi malunga nommiselo wokunciphisa kwaye uza kuhlawula xa befowunela okanye bakusongela ngokwaneleyo. Ba no kufaka i-blaji malunga nawe. Ukuba unesiqinisekiso sokuthi imingcele iphelelwe yisikhathi, ungayisebenzisa loo nto njengesizathu sokuthi awufanele uhlawule ityala.
Qaphela ukuba ungayiqala kwakhona ummiselo wemida. Naliphi na ixesha uthatha isenzo kunye ne-akhawunti, umyalelo weeminganiso uqaliswa kwakhona. Ukwenza intlawulo, ukwenza isithembiso sokuhlawula, ukungena kwesivumelwano sokuhlawula, okanye ukwenza inkokhelo nge-akhawunti kunokuqalisa kwakhona ummiselo wemingcele. Xa iwashi iyabuyisela kwakhona, ibuyisela kwi-zero, kungakhathaliseki ukuba ixesha elide lidlulileyo ngaphambi komsebenzi.
Ukuchithwa kweSithuba -Sigxina seMithetho yokuLawulwa kweeNkundla
Emva kokumangalelwa yi-FTC ngo-2012, i-Asset Acceptance, enye yezona ziqokeleli zeetyala ezinkulu, yavuma ukukwazisa abathengi xa amatyala abo adlulile ummiselo wokunciphisa ngokubandakanya kwesaziso sokuqokelela amatyala "Ngenxa yobudala beetyala asiyi kuwatyala kuwe. " Ingabandakanya "kwaye asiyi kubika kwi-arhente yokubika." Azikho zonke i- arhente zokuqokelela eziza kubandakanya le nkcazelo, ngoko umthwalo wobufakazi uhleli kuwe.
Yiyiphi i-Statute My Limitations?
Ummiselo wemingcele udla phakathi kweminyaka emithathu nemithandathu, kodwa uneminyaka eli-15 ukuya kwelinye ilizwe. Khangela uluhlu olupheleleyo lweNkcazo yeMilinganiselo nguRhulumente ukuba ufunde ityala lomda welizwe lakho.
Ukuba usanda kutshintshwa, abaqokeleli bematyala abahlambulukileyo bangazama ukusebenzisa i-home state yakho ngemimiselo yemida , ngakumbi ukuba loo mda umda ubude kunokuba urhulumente ohlala kulo. Oku kuya kunika umqokeleli ixesha elide lokuqokelela kwityala.
Amanye amatyala ayenayo imimiselo yemingcele. Oku kuquka iimali-mboleko zomfundi zeseburhulumenteni, ukuxhaswa kwabantwana kwamanye amazwe, kunye neerhafu zerhafu. Awukwazi ukusebenzisa ummiselo wemingcele njengendlela yokukhusela kwisigwebo malunga naliphi na le nto nangona ungathathi nantoni na into kwi-akhawunti kwiminyaka emininzi.
Yintoni i-Statute of Limitations Ayenzi
Gcina ukhumbule xa ummiselo wokukhawulelwa uphelelwa yisikhathi, uvimba kuphela umqokeleli ukuba athabathe isigwebo esichasene nawe xa unokubonisa ukuba imimiselo yemingcele iphelelwe yisikhathi. Akuthi:
- Gcina umqokeleli ekufakeni isiluleko kuwe. Inokuzigcina zingabanqobi xa usebenzise nabo enkundleni.
- Nciphisa ityala. Ukuba ityala liyimfanelo yakho, usenayo imali.
- Ukuthintela ityala ekuxeliweyo kwingxelo yakho yekhredithi. Ityala linokuthi lixelwe nje ukuba ixesha lokunika ingxelo ngetyala livumela.