Unoziva here kuti chikwereti chikwereti chii?
Apo mabhangi nemamwe mabhizinesi vane dambudziko rokuunganidza kubhadhara kubva kune vane chikwereti, vanobhadhara sangano rekuunganidza chikwereti kutora chikwereti.
Chero chero zvikwereti vatengesi vanosarudza kuita kuti vatevere chikwereti, vanofanira kugara vachigara neMutemo Wekuda Kukanganiswa Kwemitemo .
Zvikwereti zvisina kubhadharwa zvikwereti zvinogona kuonekwa pamutero wako wekwereti, kuchinja chikwereti chako chikoro , uye kukuchengetedza kubva kune mamwe makadhi emakwereti, zvikwereti, mabasa, uye mapoka.
Iko mukoti anodana panguva dzezvibvumirano?
IFTC inogamuchira mazana emakosveti pamusoro pevatengesi vanodana kunze kwezvakabvumidzwa nguva. Zvinoita kuti pane dzimwe mamiriro emitemo yepamutemo; vatengi vangave vasina kunyunyuta kune FTC pamusoro pavo
Vateresi vatokari vanogona kungokushevedza panguva dzenguva dzemazuva. Kana muteresi akadana kunze kwemazuva iwayo, zviri kuputsa FDCPA.
Iwe unoda here kuti chikwereti chikwereti chirege kumhanya?
Iwe une kodzero yekuregedza kukwereta kwekwereta kudanidzira. Chikumbiro pamusoro pefoni hachina kukwana, zvakadaro. Kuti uchengete mutengi kubva pakudana iwe, ita chikumbiro chako nekunyora. Tumira magumo uye usafuratira tsamba inoudza muunganidzi kuti asazokutaurira iwe.
Ramba uchifunga nezvekuguma uye kurega tsamba chete mabasa kune uyo akaunganidza. Iwe unofanira kutumira tsamba yakasiyana kune imwe sangano rekuunganidza iro richikushevedza.
Ndicho chikwereti chako here?
Usatora zvishoma kuti chikwereti chaicho ndewe iwe nekuda kwekuti chikwereti mutora anotaura saizvozvo. Bhuku rinonzi Consumer Financial Protection Bureau rinoti chimwe chekunyunyuta kwepamusoro pamusoro pevateresi vateresi ndechekuti vari kuunganidza chikwereti chakakanganisika kubva kune munhu asina kururama.
Iwe une kodzero yekukumbira chikwereti mutora kuti aone kuti chikwereti ndechechokwadi chako uye kuti vane kodzero yekuchiunganidza. Izvi zvinoreva kuti vanofanirwa kupa rumwe rudzi rwemagwaro kubva kumukwereti wepakutanga. Kana muunganidzi asingagoni kupa uchapupu uhwu, haagoni kukuunganidza kubva kwauri.
Iwe unongova nenguva yakakwana yekushandisa izvi zvakanaka, saka tumira chikumbiro chako chekugadzirira nokukurumidza apo mutengi anokutaurira iwe kokutanga.
Mutemo wekupera unopera here?
Murairo wekukanganisa ndiyo nguva yekwereti mutengesi anogona kukupa mvumo yepamutemo nokuda kwechikwereti chakashata. Mutemo wekugumira unopesana nehurumende uye kazhinji inowanikwa kubva pamakore matatu kusvika matanhatu. Vateresi vateresi vanogona kuedza kukupomerai kunyange kana mutemo wekukanganisa wapera, asi iwe unofanirwa kuratidza, mumatare, kuti nguva yekupomerwa mhosva yakapera kuti mhosva yacho iparadzwe.
Ko muteresi akaputsa kodzero dzako here?
Pane zvinhu zvakawanda zvinokonzera vatokwereti vasingagoni kuita. Semuenzaniso, havagoni kukukumbira kuti ubhadhe kupfuura iwe unokwereta uye havagoni kutyisidzira kukupomera kana vasingakwanisi kana kwete. Kana muunganidzi akanganisa kodzero dzako, unogona kuvasunga nekuda kwekukuvadza kwakakwana pamwe ne $ 1 000 mukurangwa kwechirango.
Unofanira kubhadhara chikwereti here?
Kana chikwereti chiri chekare, taura zvinopfuura makore manomwe, iwe ungangokanganwa nezvazvo. Mushure mezvose, mutemo wekukanganisa uye chikwereti chekupa chikwereti nguva nguva inogona kunge yakapera. Pano pane mitemo yekuteerera, zvakare. Kubhadhara icho chaunokwereta ndicho chakanaka chaunofanira kuita.
Iwe unogona here kuti chikwereti chacho chibviswe kubva kune chikwereti chekwereti?
Kana kuunganidzwa kuri kuonekwa pamushumo wekwereti, zvakanakisisa kuti chikwereti chako chikwere kuti chibvise. Vamwe vateresi vachabvisa kukohwa kwekutsinhanisa kubhadhara. Vamwe vanovhiringidza nezvekuchengetedza kuunganidza pamushumo wenyu. Apo iwe unogona kugutsira muunganidzi kuti abvise muchero kubva kumurairo wako wekwereti, iva nechokwadi chokuti iwe unowana chibvumirano kuburikidza. Nenzira iyo unogona kumanikidza muunganidzi kuti abatisise kuguma kwayo kwechibvumirano.