Mutemo Wekuda Kukwereta Mutemo, izvo zvinowanzonzi FDCPA, unotaurira kuti vateresi vatengesi vanogona kuita sei kana vachiunganidza chikwereti kubva kwamuri. Izvi ndizvo zvinhu zvinokonzera chikwereti chisingagoni kuita. Kana iwe uchida kutarisa mutemo kuti uone kana chikwereti chikwereti chiri kuita kunze kwemutemo, zvinyorwa zvakapiwa.
01 Kumbira iwe kubhadhara kupfuura iwe unokwereta
02 Kumbira iwe kuti ubhadhara chikwereti, mari, kana mari isingabvumirwi nemutemo
Muunganidzi haagoni kuwedzera pamari ipi zvayo yemari iyo chikwereti chako chokutanga kana chikwereti chezvikwereti hachibvumi. [15 USC 1692f] § 808 (1)
03 Danai kakawanda kana kuti muchienderera mberi
Iyo FDCPA inoona kudzokorora kudana sekunetswa. [15 USC 1692d] § 806 (5)
04 Shandisa zvinonyadzisa, zvinosvibisa, kana mutauro unoshungurudza
Kushandisa mutauro uyu kunonzi kunetswa. [15 USC 1692d] § 806 (2)
05 Kudana pamberi pe8: 00 mangwanani kana shure kwe9: 00 masikati
Kudanwa panguva idzi kunonzi kunetswa. [15 USC 1692c] § 805 (a) (1)
06 Kudana dzimwe nguva mutori aiziva kana achifanira kuziva hazviiti
Kudanwa panguva idzi kunonzi kunetswa. [15 USC 1692c] § 805 (a) (1)
07 Shandisa kana kutyisidzira kushandisa chisimba kana iwe usingabhadhara chikwereti
Vanounganidza havagoni kutyisidzira chisimba pamusoro penyu. [15 USC 1692d] § 806 (1)
08 Chiito chinotyisa chavasingagoni kana chisingazotori
Vanounganidza havagoni kutyisidzira kupomera kana kutumira mhosva pamusoro penyu, kugadzira mibairo , kutora pfuma, kukonzera basa kurasikirwa, kana kuparadza chikwereti chako apo muunganidzi asingakwanisi kana asina chinangwa kutora chiito. [15 USC 1692e] § 807 (5)
09 Zvisiri pamutemo zivisa mumwe wechitatu pamusoro pekwereti yako
Kunze kwekunge iwe wakapa pachena mvumo, vateresi havabvumirwi kuzivisa ani nezvekwereti yako kunze kwekuti:
- gweta rako
- uyo ane chikwereti
- mutongi wemukwereti
- chikwangwani chekubika chikwereti
- wako wako
- mubereki wako (kana iwe uri muduku)
[15 USC 1692c] § 805 (b)
10 Gara uchidaidza mumwe wechitatu kuti uwane ruzivo rwekugara kwako
Muunganidzi anokwanisa kungosangana nechetatu kamwe kunze kwekuti ane chikonzero chekutenda iyo mashoko akafanotaurwa kare. [15 USC 1692b] § 804 (1)
11 Kubata iwe kubasa kuziva kuti wako waanoshandira haafariri
Munhu anounganidza haabvumirwi kusangana newe kubasa kana wakavabvumira kuti vazive kuti mushandirwi wako haabvumi nhamba idzi. [15 USC 1692c] § 805 (a) (3)
12 Kukundikana kutumira chinyorwa chekuregerera chikwereti chakanyorwa
Mumazuva mashanu ekutaurirana kwekutanga kwevatori , inofanira kukutumira chiziviso chinosanganisira chikwereti chechikwereti, zita remunhu ane chikwereti, uye chiziviso chekodzero yako yekukakavadzana chikwereti mumazuva makumi matatu. [15 USC 1692g] § 809 (a)
13 Rega chikumbiro chako chakanyorwa kuti uone chikwereti uye urambe uchiunganidza
Muunganidzi haakwanisi kuramba achiunganidza pane chikwereti mushure mekunge maita chikumbiro chakanyorwa kuti uone chikwereti chero bedzi chikumbiro chakaitwa mukati memazuva makumi matatu kubva kune chinyorwa chakanyorwa chinyorwa. [15 USC 1692g] § 809 (b)
14 Ramba uchiunganidza pane chikwereti usati wapa kuvimbisa
Mushure mokugamuchira mharo yenyu yakanyorwa, muteresi anofanira kurega kuunganidza pane chikwereti kusvikira wagamuchira vimbiso. [15 USC 1692g] § 809 (b)
15 Rambai muchiunganidza miitiro mushure mokugamuchira chirevo chekurega kutaura
Kana iwe ukaita chikumbiro chakanyorerwa kuti muunganidzi asiye kushamwaridzana, inogona kungokutaurirai imwe nguva zvakare, kuburikidza nemeseji kukuzivisai chimwe cheizvi zvinotevera: kuti mamwe mabasa ekuunganidza chikwereti anoguma, kuti zvimwe zviito zvingatorwa muunganidzi, kana kuti muunganidzi ari kunyatsoita zvimwe zviito. [15 USC 1692c] § 805 (c)