Chii chaunotarisira kana cheko ichichera
Sei cheki inowedzera?
Cheki "bounces" kana pasina mari yakakwana muongororo yako yekuongorora kuti uvhare kubhadhara.
Izvi zvinogona kuitika nekuda kwezvikonzero zvakawanda. Zvichida kubhadhara kwekutsvaga kwakabviswa kubva ku-akhawunti yako usati waitarisira, mushandirwi wako ainonoka kuisa mubhadharo wako , kana kuti account yako yakavharwa kwemazuva mashomanana mushure mekushandisa kadi yako yebhadharo .
Zvinosuruvarisa, zviri nyore kudarika kare kumutsvaga cheki: Mapepa anocheka anowanzoshandurwa kuva magetsi ekuongorora kana "kuchinja checks" ( zvose zvinotarisirwa foni kana kutarisa scanner), uye vanofamba nemabhanki ekurumidza. Chero chero chikonzero, kana bhangi yako ichiti iwe hauna mari yakakwana muakaunti yako, cheko ichadzorerwa isina kubhadharwa.
Chiri Nguva?
Kana iwe uchiona kuti cheketi iri pedyo kugadzirisa, asi haina kumboitika, iwe unogona kuidzivirira kuti irege kuitika. Tora mari muakaunti yako pakarepo. Inogona kutora mazuva mashomanana chekete yawakanyora kuti urove account yako - kana yakanyanya kana wako payee ari kunonoka kuita mari yacho. Nzira yakakurumidza yekuwana mari inoratidzirwa ku-akhawunti yako ndeyokuunza mari kune bazi.
Kana ukaisa chekeri ku-akhawunti yako, bhangi rako rinogona kubhadhara mari iyoyo kwemazuva mashomanana (chengetedza mari yekuwanika kwehuwandu hwezvinhu zvakananga).
Pinda kunze
Kana uchangobva kuona kuti pane dambudziko, taurirana neavo iwe wawakanyora cheki ku. Vangave vasina kufarira kukuranga; ivo vanongoda mari yavo.
Kuva nehuwandu - kuyanana nemutengesi kana mutambi webasa pane kuvamirira kuti vatore matanho - zvinoratidza kuti iwe unoda chaizvo kubhadhara, uye zvinogona kuchengetedza zvinhu kuti zviwedzere kuipa. Zvakanaka, iwe uchaita izvi vasati vatomboona kuti iwe wakanyora cheketi yakaipa, asi ichiri kukoshesa pfuti mushure mekunge cheki inotora account yako.
Tarisira Mari
Kana cheko rako richiiswa uye rinowedzera, zvichakudhura. Kana uchitanga, iwe uchabhadhara mari yako kubhengi yako: Mari yeOrdraft kana mari isiri yakakwana (NSF) inogona kuenzana ne $ 35. Iwe unogonawo kubhadhara mari kune mumwe wawakanyora kukoshesa; ivo vanodonhedzwa nokuda kwekuisa cheki dzakaipa, uye ivo vachapfuura izvozvi mhosva kwamuri.
Mushure mokunge cheki inowedzera kamwe chete, mutengi wako angaedza kuisa zvakare cheki kuti aone kana wakatsigira mari yako. Kana zvisingaiti, tarisira kubhadhara imwe mhiri yemari.
Pakupedzisira, iwe unogona kutarisana nemari uye zvikwereti mushure memutongo wepamutemo (ona pasi apa).
Your Credit Report
Cheki chakaipa hachirevi pachena pamushumo wekwereti yako kana kuderedza chikoro chako chikoro , asi chinogona. Uyewo, mazita akawanda ehurukuro bounced checks (yakadai seTerecheck kana Chexsystems ). Kana ukagumisa nekodhi yakaipa mune iyo ma database, unogona kuomerwa nekunyora kune imwe nzvimbo (chekuongorora yako inogona kurambwa mushure mekunge cashier anozviongorora paresitoro, somuenzaniso), uye iwe unogona kusakwanisa kuwana bhengi richaita rega uzarure kambani yekuongorora.
Mushure mekucheka kwakawanda kwakaipa, bhangi rako rinogona kuvhara kero yako yekuongorora ikozvino.
Izvo zvinyorwa hazvisi chikamu cheFICO chikwereti chekwereti, iyo ndiyo inoshandiswa kune zvikwereti zvakawanda zvakadai semotokari nemari yemusha. Asi "zvimwe" chikwereti chikoro chingashandisa iyo ruzivo.
Kana cheko chaiva chekubhadhara chikwereti, chikwereti chako chinowanzotambura. Nemhaka yokuti cheki yakabhadharwa, kubhadhara kwakanga kusati kwaitwa, uye iwe ungaguma usina (kana kuti wakanonoka) kubhadhara kwemwedzi. Zuva rakapera uye kuderera kwezvikwereti zvechokwadi kuchaderedza yako FICO chikwereti chikoro.
Hazvina mhosva kuti iwe wakanyora cheki chekuti, zvakakosha kuita zvakanaka pamubhadharo. Kana iwe usingaiti, chikwereti chisina kubhadhara chinogona kuendeswa kune sangano rinounganidza, uye iyo sangano inogona kutaurira chikwereti chako chisina kubhadharwa kumabhadharo emarikiti , zvichiita kuti zvikwereti zvishoma zvikwere. Masangano ekuunganidza (kana kunyange mutengesi wawakanyora cheki ku) anogonawo kutora mutemo, uye kutongwa pamusoro pako kunokuvadza chikwereti chako.
Legal Trouble
Ndeipi migumisiro yepamutemo yekuputika cheki? Hazvisi pamutemo kutonyora cheki kana iwe uchiziva kuti hazvizogadziri (kunyange zvinhu zvisingatauriki kana zvasvika pakatarisa chekuongorora ). Kana iwe usingajekese zvinhu nokukurumidza, ungasangana nehurumende (iwe unofanirwa kubhadhara mari) kana kuti mhosva (iwe unofanira kushumira jeri nguva) chirango.
Iyo migumisiro yepamutemo yekunyora zvakaipa checks inosiyana kubva munyika kuenda kune imwe nyika uye inobva pane mamiriro ezvinhu. Kana iwe uchinge wangoerekana waita cheki ikozvino, zvikonzero zvehurumende (kana pasina mhaka zvachose) zvinowanzoitika. Kana iwe pachako uchida kana kuti uchida kutadza zvakaipa chekuongorora (kunyanya makuru makuru), unogona kutarisana nemhosva. Mune dzimwe nyika, iwe une mukana wekuita zvakanaka pane kubhadhara kusati kwasvika mhosva (iwe unogona kuva nehwindo remazuva makumi matatu, somuenzaniso).
Zvikwereti zvehurumende zvinokonzera mari yakawedzerwa, uye zvichida hauna mari yakawedzerwa - ndicho chikonzero cheko chengetani rakagadziriswa pakutanga - saka zvakanakisisa kuti zviite zvakasimba. Kurukura nemutengi wako (kana sangano riri kuunganidza mari nokuda kwavo). Kana vakabudirira kukuunza mhosva pamusoro penyu, iwe unogona kubhadhara mari yepamutemo, mitero yebasa, kana chirango zvichienderana nemari yekuongorora chepakutanga (kaviri kana katatu muyero wekutarisa, somuenzaniso).
Mhosva dzomumhosva dzinokonzera kukanganisa kwako mhosva, zvinogona kuita kuti uende mujeri kwenguva, uye zvinogona kuuya nemari yakakwirira. Zvisinei, nemhaka yokuti iwe unotyisidzirwa nemhosva dzomumhosva hazvireve kuti vanogona kubudirira kuunza mhosva pamusoro pako. Taura nekwenyanzvi yemunharaunda pakarepo kana chero munhu upi zvake anotaura nezvemhosva dzemhosva. Kuti ukunde, uyo ane chikwereti achadikanwa kuratidza kuti chikwereti chacho chaicho (icho chavasingagoni kuita nguva dzose), uye ivo vachafanira kutora matanho vasati vapi chero mutemo wekupera unopfuura.
Chikwereti Vanounganidza uye Vatongi veDunhu
Zvizhinji zvebhizimisi hazviine zvigaro zvekuunganidza pane zvakaipa checks. Uyezve, mapurisa ezvemitemo akawanda haafaniri kuwana zvigadziro zvekucherechedza pasi vatengi vanowanzochera cheki duku. Somugumisiro, zvikwata zvekutora chikwereti pachedu zvinopedzisa kuita zvakawanda zvebasa iri.
Mune dzimwe nzvimbo, chikwereti nevatori vemunharaunda pamwe nematare edzimhosva ekuchengetedza mitemo: District attorneys (DAs) inopa tsamba uye inobvumira vatengesi vemari kuti vashandise logo yeDA, vateresi vatengesi vanobata zvinhu zvekuwana nekutsvaga vatengi, uye vanogoverana mari (zvikwereti nemitengo ) nehofisi yeDA.
Zvinosuruvarisa, zvimwe zve "zvirongwa zvakashata zvekudzorera zvigaro" zvinopesana nevatengi, avo vanotenda vari kuwana hurumende yehurumende yepamutemo. Vashandi vanogona kutungamirirwa kuti vatende kuti DA inoda kupa mhosva dzinopomerwa mhosva (izvo zvingangodaro kana zvisina kururama), uye hazvibvumiri vatengi kuti vatsigirire mhosva yavo - zvirokwazvo, hapana munhu pahofisi yeDA akatoongorora nyaya yacho. Vagamuchiri vanowanzotyisidzirwa uye vanovhiringidzika, uye vanongorayirwa kubhadhara mari inokodzera (pamwe nemari) nekunyora chikoro chezvokubhadhara mari pamari yavo pachavo.
Kana iwe ukakonzera cheki uye uri kutarirwa nekweretesa chikwereti, iva nechokwadi chokuti uri kurapwa zvakanaka. Vanokweretesa chikwereti, kunyange pamwe nekubvumirana nemitemo yepamutemo, vanoda kutevera mitemo yakatarwa nehurumende yenyu, uye vangave vachida kutevera Fair Fair Debt Collection Practices Act (FDCPA) . Taura nemugweta wemo kana uri kutambudzwa.
Kudzivirira Bounced Checks
Iwe unogona kusakwanisa kuita chero chinhu pamusoro pekeketi yakatove yakagadziriswa, asi iwe unogona kuichengeta kuti irege kuitika munguva yemberi. Heano dzimwe nzira dzekudzivisa kuva cheki yakakonzera kero yako apo iwe uri kunze kwemari:
Shandisai akaunti yako: Chinhu chinonyanya kukosha chaunogona kuita ndechekuchengetedza mabhengi ako. Izvozvo zvinoreva iwe unoda kuziva kuti iwe une zvakawanda sei uye kuti zvakadini kubuda kwekombi yako nguva dzose. Iva nehanya chero ipi zvayo yakamirira kubhadhara, kutengesa kwakakosha , uye zvinowanzoendeswa kubva kubhuku rako. Dzidza kuti ungaenzanisa sei nhauri yako nezvinhu zvakasiyana-siyana.
Chengetedza chikwata: Kunyange nekuronga zvakanaka, zvikanganiso (uye bounced checks) zvinoitika. Chengetedza mari yakawedzerwa mubhuku rako kuti ubatsire kufukidza zvishamiso zvose. Kana waunoshandira akakubhadhara iwe zvishoma kana iwe ukakanganwa nezvekubhadhara mutero wekubhadhara, chikwata chekuchengeteka chinogona kuchengetedza zvinhu kuti zviwedzere kuipa.
Tarisa muyero wako: Zvakaoma kuchengetedza zvinhu zvose. Uyezve, kubhadhara kero yako kunogona kutonhora maitiro ausina kutarisira (kana ukashandisa kadhi yako yebhadhiro pamapepa emhepo, somuenzaniso, kana kuti mari inobatwa ). Ratidza kuti unogona sei kutarisa zviri nyore mabhadharo e- akhawunti yako kuitira kuti uzive nezvedambudziko zvisati zvapera. Zvinyorwa zvemashoko kuitira kuti iwe usabatwa nekushamiswa apo nhoroondo yako yekanyoro inopera.
Funga nezvekuchengetedzwa kweredraft : Kudzivirirwa kwerendirheni kunogona kudhura, asi haifaniri kuva. Kana iwe ukashandisa sehutete hwekuchengetedza (zvisinei nekutendeseka pane mari-kutumbuka) iwe haunowanzobhadhara mari yefridhi yepamusoro. Apo bhengi rako rinovhara zvakaipa checks, mari inofanira kuve iri pasi pekubhadharwa chekubhadhara mari (kune retailers) uye mari ye NSF (kubhengi rako). Iwe ungakwanisa kuderedza mari yekushandisa kana iwe uchishandisa chikwereti chakawedzerwa chekwereti kana kuraira bhangi rako kuti ubvise mari kubva kuigwaro rako rekuchengetedza apo kero yako yekuongorora isina mari yakakwana.
Bhara nekadhi yebhadharo: Kana uchiramba uchingoridza cheki, tenga kutenga nekadhi yako yemari panzvimbo panzvimbo (kana zvichibvira). Iwe uchaziva pakarepo kana iwe uchikwanisa kutenga mutengesi. Chero bedzi iwe usina kupa bhangi yako mvumo yekugadzirisa zvikwereti izvi, kadhi yako icharamba.