Usava Mhosva Yezvisina Kuita Mabhizimisi-Mutengi Wese Ane Kodzero.
Takaona zvinyorwa zvemashoko nenguva uye nguva zvakare. Asi rimwe bhizinesi rinowanikwa mhaka yekutora mukana wevatengi nenzira yekunyadzisa mabhizinesi. Kunyange zvazvo nhau dzakaipa ndeyekuti kushungurudzwa uku kunoratidzika kunge kwakanyanya kupararira, mashoko akanaka ndeokuti sehomwe, iwe unodzivirirwa. Kunyangwe iwe uri kungotarisana nekusaruramisira kwekutengeserana kwebhizimisi kana kunyengedza kwechokwadi, kodzero dzevatengi uye mitemo yekudzivirira vatengi inopa nzira yevanhu kuti varwise.
Mitemo yekudzivirira vatengi ndiyo maitiro emitemo yehurumende inowanikwa pasi rose nehurumende nehurumende. Kune hurumende dzehurumende dzakawanda dzinokurudzira kudzivirirwa kwevatengi zvakadai seFederation Trade Commission iyo yakasikwa muna 1914. Basa ravo rakatatu:
- Kuchengetedza mabhizimisi maitiro anopesana nekukwikwidzana kana kunyengedza kana kusaruramisira kune vatengi;
- Kuvandudza kusarudzwa kwevatengi vanoziva uye kunzwisiswa kwevanhu pamusoro pemakwikwi, uye;
- Kuzadzisa izvi kunze kwekutakura zvakanyanya basa rebhizimisi rakanaka.
The Better Business Bureau imwe sangano rinoshanda kuchengetedza mutengi.
Saka ndeapi mamwe emitemo yekudzivirira vatengi iwe unofanira kuziva? Heano maitiro mashomanana anokosha ayo munhu wose anofanira kuziva:
Kushungurudza
Kutarisa kubhadhara hakuratidzi mari yakanaka yekuti iwe uite. Zvisinei, kana iwe uchizviwana uri mumamiriro ezvinhu akaipa, pane zvitatu zvepamusoro zvekushungurudza pasi peSeti 11 ye US Bankruptcy Code inogona kupa munhu, vakaroora vaviri, kana bhizinesi dzakasiyana-siyana zvekuregererwa kwemari chikwereti
Zvisinei, ramba uchiyeuka kuti kudhonza kwekubhadhara mari kunogona kuramba iri chikamu chekwereti chekwereti kwemakore gumi chinogona kukonzera chikwereti chechikwereti kwenguva yakareba. Iyo mitatu mitatu ye bankruptcy filings ndeyi:
- Chitsauko 7- Inopa huwandu hwekuvharwa kwemunhu wese kana bhizinesi 'zvinhu uye zvikwereti. Munhu ane chikwereti haasi pasi pekubhadhara mubhadharo / muhomwe mushure mekudhinda Chitsauko 7. Mitemo yemitemo inosiyana, asi imwe nzvimbo inenge isina kubviswa kubva muChitsauko 7 chekugadzirisa, sekugara. Zvisinei, zvimwe zvikwereti hazvikwanisi kusunungurwa, zvakadai seanmony, rubatsiro rwevana, uye mari yakakweretwa inoshandiswa kuita basa rezvemhosva. Yeuka, zvisungo uye zvisizvo zvinosiyana nemamiriro ezvinhu.
- Chitsauko 13- Sezvakafanana neChitsauko 11, Chitsauko 13 chinorambidza chikwereti kubva pakujekesa kune chikwereti chomumwe munhu kana kuroora kana kuroorwa paanenge achibvumira kugadzirisa zvakare chikwereti chomunhu oga. Pane zvidimbu zvekuwana mari kune chikwereti uye kukanganisa pane chikwereti chose kuitira kuti uite chinyorwa cheChitsauko 13.
- Chitsauko 11- Inobvumira bhizimisi kana munhu anozvimirira kuti arambe achiita pasina kutya kwekutsvaira apo zvikwereti zvarongororwa zvakare pasi pekuongororwa kwedare rebhangi. Kusiyana neChitsauko 13, kugadziridza zvakare kunogamuchirwa kuburikidza nehuwandu hwevanhu vanokwereta.
Fair Credit Reporting Laws
Congress yakapedza mitemo yakawanda inoedza kudzivirira vatengi pavanowana kana kuedza kuwana chikwereti. Izvi zvinonzi Fair Credit Reporting Laws. Yeuka, chikwereti uye gwaro rako rechikwereti rakakosha zvakanyanya uye rinogona kushandiswa nenzira dzakasiyana-siyana dzakadai sekushandira chikwereti, mapurisa ekushandiro, nemabasa ekushanda. Mamwe mashoma emitemo yakakosha ndeyi:
- Mutemo Wakaenzana Wematombo Unoti Mutemo Wekufananidzwa Kwekukwereta unoita kuti zvibvumirwe pamutemo kune ani zvake ane chikwereti kuti asarudze kune chero anoshanda, maererano nechinangwa chipi nechipi chekubhadhara chikwereti, maererano nemasikirwo, mararamiro, chitendero, maitiro, nyika, zvepabonde, kana zera.
- Fair Credit Reporting Act (1971), Consumer Credit Reporting Reform Act (1996) uye Fair and Accurate Credit Transaction Act ye 200- Iyi Mabasa inopa vashandi kudzivirirwa pane zvinokuvadza pamusana pemashoko asina kukodzera emashoko ekubhadhara chikwereti uye kubva pakupinda kwehumwe mukuunganidza nekuparadzirwa yehutano, inopa vashandi vane kodzero yekuziva kuti ndiani ari kuunganidza ruzivo pamusoro pavo uye maitiro ehumwe ruzivo akaunganidzwa, uye anopa vatengi mukana wekutarisana uye kururamisa mashoko akaunganidzwa pamusoro pavo.
- Zvakanaka Kwokubhadhara uye Mutero Wechekuzivisa Mutemo- Chiito ichi chinoda kuzarura zvizere nezvemashoko ekupa kadhi rechikwereti, kusanganisira mari yegore, mashizha, uye mari yekupedzisira.
Chokwadi muLending Act
Chiito ichi chinoda vatengi kuti vape zviziviso zvakanyorwa kune vakwereta nezvemazwi uye mari yezvikwereti zvevatengi nenzira yakarongeka.
Kuzarura kunosanganisira mari inobatanidza nekukwereta, kuti inorongwa sei, uye Gore reMuviri wePera (APR) ivo vari kubhadhara chikwereti.
Misha yeimba uye Equity Protection Act
Chiito ichi chinogadzirisa zvikwereti pamabhadharo emusha kuitira kuti vanhu vasagadzirwe chikwereti.
Mutengesi Wekushandisa Leasing
Mutemo weVashandi Leasing unoda muduku kuti ataure pachena zvakajeka mazwi anoshandiswa pachibvumirano chebvumirano uye urongwa hwezvose zvinotambirwa kubhadhara.
Electronic Fund Transfer Act
Ichi chiito chinoderedza mutoro wemutengi kana mumwe munhu achishandisa ATM yake kana kuti debit kadi pasina mvumo.
Privacy Policies
I Federal Trade Commission inotarisa kune dzimwe nzvimbo maererano nehutano hwehupfumi. Nzvimbo dzinokosha mazita eFTC ndeaya:
- Kusaruramisira uye Kunyengera- Pasi Chikamu 5 cheFTC Mutemo, chinorambidza kusaruramisira kana kunyengedza, FTC inosimbisa zvivimbiso zvakaitwa kune vashandi nemakambani pamusoro pezvokuchengetedzwa kwevatengi uye zvingwarira zvavanotora kuti vawane ruzivo rwavo rwevatengi vavo.
- Mari Yezvokuita - Nenzira yeGramm -Leach-Billey Act (GLB Act) , FTC inoshanda kuchengetedza ruzivo rwevatengi ruvo rwakachengetwa nemari yezvemari.
- Kuzivikanwa Kwokudzivirira Kudzivirirwa- Iyo Kuzivikanwa Kwekuita uye Kuchengeta Deterrence Act (1998 ) kwekutanga nguva yakaita kuti udziwe hupombwe hurumende uye inopa vatengi kodzero dzakakwana pavanova (kana kuti vanotenda kuti vakave) vakaurayiwa nehupfumi hwekuzivikanwa.
Wati wambotambudzwa here? Iva nechokwadi chokuti unonzwisisa kodzero dzako dzevatengi uye usatya kutsvaka rubatsiro kana kubhadhara kana iwe uchinzwa kuti wakarapwa zvisina kururama.
Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete. Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga, kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita. Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo