Indlela yokuphendula xa uphazamiswa yinkonzo yokulungisa iitaliti
Icandelo lokulungisa iitaliti liyaziwa ngabantu abathengelayo. Nangona kukho umthetho we-Federal - UMthetho wokuLungisa iMboleko-olawula iinkampani zokulungisa iitaliti, ezinye zeenkonzo ziqhubeka ziphula umthetho ngokuqinisekisa iziphumo ezingenakuzithembisa okanye ezifuna ukuba abathengi bahlawule ngaphambili. Ukuba uba lixhoba le- scam yokulungisa i-credit, yilokho okumele ukwenze.
01 Gcina ikopi yawo onke amaxwebhu aphathelene nokuthengiselana.
02 Cela inkampani ukuba ubuyisele imali yakho.
Iinkampani zokulungisa iitaliti azifuneki ukuba ziqokelele intlawulo zize ziyenze ngokwenene ukuba zithe zaphula umthetho xa zicela ukuba uhlawule phambili. Ukuba uhlawule ngaphambili, cela imali yokubuyisela imali. Yenza inkampani yokulungisa iitaliti yazi ukuba uza kwenza konke kulo lonke uluhlu ukuba abayi kubuyiselwa imali yakho.
03 Bika inkampani kwi-FTC.
I-FTC ngumbutho karhulumente ojongene nokulawula iinkampani zokulungisa iitaliti. I-FTC ayinakuhamba emva kwekhampani yokulungisa iitalenti esekelwe kwisikhalazo sakho yedwa, kodwa ukuba bayifumana izikhalazo ezaneleyo malunga nenkampani ethile, baya kuqalisa uphando kwaye banokumangalela inkampani , babenzela ukuba balahle inzuzo yabo, bafune ukuhlawula abathengi abaye baqhawula, baze baqeshise ishishini ukuba livale.
04 Bika inkampani kwi-Attorney General Jikelele.
Inye yexanduva likaGqwetha likaGqwetha-Jikelele ukuqinisekisa ukuba le mithetho iyafuneka. Amaninzi amaninzi anemithetho yeenkampani zokulungisa iitaliti okanye ubuncinane imithetho ekhusela iinkampani ukuba zihlasele abathengi. Unokubika ingxelo yenkampani yokulungisa ngetyala kwi-Attorney General yakho, nokuba loo nkampani isekelwe kwelinye ilizwe.
05 Cwangcisa i-arhente yokukhusela, umbutho worhwebo, okanye iofisi yokuqhuba ilayisenisi.
Iofisi yakho yokukhusela abathengi bendawo ingaba nolwazi olungakumbi malunga nento onokuyenza ukulungisa ingxaki. Unokubika ingxelo yenkampani yokulungisa iitaliti kumbutho wezorhwebo njengoMbutho weSizwe weNkonzo yeMali-mboleko ukuba inkampani yokulungisa iitaliti ilungu. Ukuba inkampani yokulungisa iitaliti ivuma ukuba iyakwamkelwa, funyanwa igama le-agence yabo yokuvuma kwaye niyixele apho.
Urhulumente wakho unokufuna ukuba iinkampani zokulungisa ikhredithi zibe neelayisenisi. Iofisi yeGqwetha likaGqwetha-Jikelele lingakutshela ukuba oku kuyinyaniso kwilizwe lakho kwaye ukuba kunjalo, unokubika ingxelo yenkampani yokulungisa i-credit kwi-arhente yelayisenisi. Bangahle balahlekelwe ilayisenisi yabo yezorhwebo yokuthengisa abathengi.
06 Fakela ibango ngeBusiness Business Bureau
Ingxelo yeBBB ikwazisa malunga namashishini athembekileyo. Iinkampani ezininzi zizama ukugcina ubungqina beBBB obuhle kuba zichaphazela ishishini labo elizayo. Ikampani inokuba yinto ekulungele ukubuyisela imali yakho okanye ngokunye ukwanelisa isikhalazo sakho ukugcina ukuma okuhle ne-BBB.
07 Sula kwinkundla yamatyala amancinci.
Ukuba inkampani yokulungisa iitaliti inqaba ukubuyisela imali yakho kwiinkonzo ezingenakwenziwa (ukuphulwa kwesivumelwano okanye esibhaliweyo somlomo), ungabafaka enkundleni yakho yamatyala amancinci. Imirhumo encinci yemirhumo yenkundla isezantsi kwaye ungadingi ukuba ugqwetha limele wena. Kukho umda kumlinganiselo onokumangalela ngawo kwinkundla yamatyala amancinci. Ngokomzekelo, umda webango ophezulu u-$ 3,000 e-Alabama kunye ne-25,000 $ eTennessee.
Xelela abanye abathengi.
Vumela abanye abathengi bazi malunga namava akho ukuze bahlale kude nekampani yokulungisa iitaliti. Hambisa ukuhlaziywa kwenkampani yokulungisa iitaliti kumajelo asekuhlaleni. Vumela wonke umntu ukuba bayabetha.