Indlela i-FDCPA ithinta ngayo ishishini lakho
Izizathu ezibini ozifunayo malunga ne-FDCPA
I-FDCPA ithintela abantu besithathu, njengabaqokeleli bee-bill, abaqokelela egameni labathengi bezorhwebo. Akunakuchaphazela ishishini lakho ngokuthe ngqo, nangona uzama ukuqokelela kwintlawulo ehlawulwa ngumthengi.
Kodwa kukho izizathu ezibini (njengomnini-shishini) kufuneka ukwazi malunga nalo mthetho.
1. I-FDCPA ayikuchaphazeli ngqo ulwalamano lwakho nabaxumi bakho. Ukuba omnye wabathengi bakho uhlawula imali kwaye ubiza ukuba umthengi ukuqokelela into enetyala, i-FDCPA ayikhuseli umthengi. Kodwa, ingcinga efanelekileyo yokulandela imimiselo yalo msebenzi wokukhusela abathengi xa uxhapha abathengi abanemali kuwe.
2. Ukuba uqeshe inkonzo yokuqokelela amatyala, unokugwetyelwa ukuba ngabaqokeleli basebenzise amacebo angekho mthethweni ukuqokelela imali kubathengi bakho. Khangela iingxelo zee-arhente zokuqokelela ozisebenzisayo kwaye uqinisekise ukuba abazisebenzisi nayiphi na le migaqo engekho mthethweni.
Yintoni Abaqokeleli Bill Abafuna Ukuyenza?
Njalo xa i-ejensi yokuqokelela okanye omnye umqokeleli we-bill udibanisa umthengi ngokumalunga netyala elifunekayo kuwe, kufuneka uzibonele kunye nenkampani yakho kwaye usho ukuba injongo yoqhagamshelwano ukuqokelela ityala lakho.
Ukuba umboleki ukwazisa ukuba unommeli, kufuneka udibanise negqwetha, kungekhona umboleki ngqo.
Yintoni Abaqokeleli Bill Abavunyelwe Ukuyenza?
I-Miranda encinane ibalulekile ukuhambisa. I-FDCPA inqabela abaqokeleli beetyala kwi:
- Ukuqhagamshelana nomnye ukuthetha ngetyala (unokuqhagamshelana nomntu ukufumana ityala). Ngoko awukwazi ukunxibelelana nonina okanye umqeshi umboleki ukuba abuze ukuba bancede uqokelele. Olu thintelo alusebenzi kubasebenzisi be-co-sign ; ekubeni batyikitye kwi-matyala, banokuqhagamshelana nabo.
- Ukuba udibana nomnye ngetyala lokufumana ityala, awukwazi ukudibana naye.
- Awukwazi ukunxibelelana nomntu onetyala kwixesha "ezingathintekiyo" okanye indawo, njengokufowunela phakathi kobusuku okanye kwindawo yomsebenzi onetyala
- Awunakuqhagamshelana nomntu onetyala xa ufumene isicelo "sokuyeka nokuyeka," isaziso ukuba kufuneka uxoxe kuphela kummeli weetyala okanye isaziso sokuba umboleki uyalahla ukuhlawula ityala.
- Awukwazi ukubandakanya "ukuxhatshazwa, ukuxinzezela, okanye ukuxhaphaza" okanye uxhaphaza ugonyamelo.
- Awukwazi ukusebenzisa ulwimi olungcolileyo xa uzama ukuqokelela ityala.
- Awukwazi ukuzimela okanye uzimele njengomnye umntu, kuquka negqwetha okanye i-arhente karhulumente, ukuze uqokelele kwityala.
- Awukwazi ukubiza umnini-mboleki kwifowuni kaninzi okanye emva kweeyure zokuvusa rhoqo (njenge-2 am)
Ngaba Umgxeki Undikhupha?
Ababoleki banakho kwaye baqalise ukuqaliswa kwezigwebo malunga nabaqokeleli bamatyala abawabonayo ababandakanyekayo ekuhlukunyezweni okanye nakwezinye iindlela zobukhohlakalyo ezingekho mthethweni ukuqokelela ityala. Inyaniso yokuba ibhizinisi lakho alixhomekekanga ngokucacileyo kulo mthetho alithethi ukuba ukhululekile kwisigwebo. Akukuphela nje ukuba umgwebo unqabe inkqubo yokuqokelela amatyala, kodwa ke unyanzelekile ukuba uzikhusele ngokubhekiselele kwi-suit, uhlanganise imali kunye nexesha.
Ndingazikhusela Njani kunye neNkampani Yam kwi-Lawsuits Debtor?
- Okokuqala, funda ngokubanzi njengoko unako malunga ne-FDCPA kwaye uthethe kummeli wakho malunga namalungiselelo ayo, ngaphambi kokuba uqale ukuqokelela kwiimali.
- Okwesibini, ugweme nayiphi na inkangeleko okanye imbono yokuxhatshazwa okanye ukungena ngasese, xa unxibelelana nabo abo banomvuzo.
Ukuziphendulela: Eli nqaku lijonga ngokufutshane imigaqo ye-FDCPA. Umthetho uyinkimbinkimbi, kwaye kubekho amacandelo athile asebenzayo kwishishini lakho. Nceda uqhagamshelane nommeli wakho phambi kokuzama ukuqhagamshelana nabathengi ngenjongo yokuqokelela.
Ukufumana ulwazi oluthe vetshe, funda le Ncwadana yomThetho woLwazi lweMali yokuTyala lokuTyala (ngefomathi yeFayili).