Hautendi kuti iwe unokwereta chikwereti zvechokwadi here? Iwe une kodzero yekumanikidzira chikwereti chikwereti kuratidza kuti iwe unokwereta chikwereti. Kubhadhara chikwereti ndechekuti federal yako yakagadzirirwa pasi peChito cheKutora Chikwereti Chekuita. Kukumbira chikwereti kugonesa, tumira chikumbiro chakanyorerwa kune vokwereta chikwereti mukati memazuva makumi matatu mushure mekutarisana nehurumende yekuunganidza. Mhinduro dzemibvunzo iyi inowanzobvunzwa pamusoro pekukweretesa chikwereti ichakubatsira kuti unzwisise zviri nani.
01 Chii chinokosha sekutanga kukurukurirana?
02 Ko kana ini ndisingagamuchiri chiyeuchidzo chekubhadhara chikwereti mushure mekutaurirana kwekutanga?
Zvingaita kuti chiyeuchidzo chekugadzirisa chikwereti chakabatanidzwa mukutaurirana kwekutanga. Pasi pemu FDCPA , izvi zvinobvumirwa chero bedzi chiziviso chakaitwa nekunyora. Zvichida wakashaya chiyeuchidzo chekuita chikwereti. Chero mamiriro ezvinhu, iwe unogona kutumira chikumbiro chako chekubhadhara chikwereti pasinei nekugamuchira chikwata chekugadzirisa chikwereti kubva kune chikwereti chikwereti. Iva nechokwadi chokuti iwe unotumira chikumbiro isati yasvika zuva remazuva makumi matatu kuti uone kuti kodzero dzako dzakachengetedzwa.
03 Chirevo chekugadzirisa chikwereti chinofanira kudini?
Mucherechedzo wechikwereti chekuregererwa kwechikwereti kwauri chinofanirwa kunyorwa mukunyora. Inofanira kusanganisira zvinotevera:
- chiyero chechikwereti
- zita romunhu ane chikwereti
- kufungidzira kuti chikwereti chichave chakanaka kunze kwekuti iwe uchikakavadzana mukati memazuva makumi matatu
- chizivo chokuti iwe unogona kukumbira kuongorora kwechikwereti mukati memazuva makumi matatu
- chiziviso chokuti unogona kukumbira zita nekero rekweretesi wepakutanga mumazuva makumi matatu
04 Ndinoratidza sei kuti chikwereti chikwereti chakagamuchira chikumbiro changu chekugadzirisa?
Paunotumira chikumbiro chako chekugadzirisa, unofanirwa kuitumira nemeyili yakagadziriswa nemari yakadzoka yakakumbirwa. Iwe unogona kushandisa risiti yekudzoka sehupowo tsamba yako yakagamuchirwa nekwereta chikwereti. Kana iwe usingagamuchiri risiti yekudzoka, unogona kutarisa mamiriro ehutsamba neUnited States Postal Service uchishandisa nhamba yekutsvaga pane yako yakagadziriswa tsamba yekutumira.
05 Ko kana muunganidzi asingabvumi?
Mushure mokunge mvumo yenyu, muteresi anofanira kumira kuedza kuunganidza chikwereti kubva kwauri. Izvi zvinosanganisira foni, tsamba, uye kubhadhara chikwereti pamushumo wekwereti yako. Muunganidzi haakwanisezve kuunganidza basa rekusunganidza kusvikira rinopindura kukakavadzana kwako.
06 Ndinokwanisa here kukakavadzana chikwereti mushure mekugadzirisa nguva?
Unyanzvi, unogona kutumira chikwereti chekugadzirisa chikwereti mushure memazuva makumi matatu ekugonesa. Zvisinei, chikwereti chikwereti hachibvumirwe zviri pamutemo kupindura chikumbiro chako chekugadzirisa. Uyewo muteresi haafaniri kumira basa rokuunganidza mumabhuku. Kuti uratidze kodzero dzakapiwa kwauri neDFCPA, unofanira kutumira tsamba yako yekugadzirisa mukati memazuva makumi matatu ekugamuchira chikwangwani chekugadzirisa chikwereti.
07 Ndakatumira nharo, asi kuunganidza kwacho kuchiri kuoneka pamushumo wangu wechikwereti.
Muunganidzi haabvumirwi kutarisa chikwereti pamushumo wekwereti yako mushure mekutambira nharo yako. Usati watora matanho, chengeta zvinhu zvishomanana.
- Wakatora wacho akagamuchira nharo yako here? Kana iwe usina kugamuchira saiti yakasayinirwa retaiti, shandisa United States Postal Service webusaiti kuti uone kuti tsamba yakagamuchirwa nemutengi.
- Wakatumira nharo mukati mezuva remazuva makumi matatu? Kutumira nharo yako mushure mezuva remazuva makumi matatu inokonesa kodzero yako kune chikwereti chekugadzirisa.
Kana iwe uine chokwadi kuti muunganidzi akagamuchira nharo uye kuti wakatumira nharo nenguva, unogona kutumira gwaro rechikwereti kukakavadzana kune hofisi yekwereti. Shandisai ikopi yechikwereti chenyu chekugadzirisa chikwereti uye redhipi yekutumira inozivikanwa sechiratidzo chokuti chikwereti hachifaniri kuonekwa.
08 Ndingazivisa sei kukanganisa?
Kana iwe unogona kuratidza kuti chikwereti chikwereti chakakanganisa kodzero dzako pasi peDFCPA, unogona kupomera muhurumende kana hurumende yenyika kusvika kusvika ku $ 1 000 kusanganisira mhirizhonga. Iwe unofanirwa zvakare kuudza kukanganisa kune Federal Federal Commission (FTC).