Apo foni yako inonamatira pa8 mangwanani, munhu wekupedzisira iwe unotarisira kuti ive iri chikwereti chikwereti. Kana ichinonoka manheru uye uri kuedza kudya, iwe pamwe unenge wakagumbuka. Iwe unogona kushamisika kuziva kuti vatengesi vari kushanda mukati memutemo kana vakadana pane imwe nguva idzi. Bhuku reDefing Debt Collection Practices Act (FDCPA) ndiwo mutemo weGerald unotungamirira mazano apo vatengesi vatengesi vanogona kudana.
Pane zviyero apo vateresi vatengesi vanogona kudana.
Vanogona Kudana Chete Pakati Pamwe Maawa
Vateresi vateresi havagoni kukushevedza mangwanani-ngwanani kana manheru. Mutemo unotaura zvakananga kuti vanogona kukushevedzai kubva pakati pe8 am ne 9 pm, nguva yenyu yepakugara. Kukushevedza pane imwe nguva nguva kune kukanganisa kweDPPCA. Kana iwe ukasarudza chikwereti chikwereti kuti akushevedze kunze kwemaawa awa, semuenzaniso 6 dzemangwanani, unogona kukumbira kuti vakushevedze panguva iyoyo.
Havagoni Kukushevedza Kushanda Kana Ukavabvunza Kuti Kwete
Vateresi vatora vanogona kuwana nhamba yefoni yenyu yebasa kubva kumutengi wepakutanga, kubva kumurairo wako wekwereti, nekushevedza kukumbira mhuri yako neshamwari, kana nekutsvakurudza iwe paIndaneti. Iwe unogona kushamisika kuziva kuti vanogona kukushevedza iwe kubasa kunze kwekuti iwe uchivaudza kuti havabvumirwi. Somuenzaniso, kana waunoshandira asingakubvumi kuti uwane manyore ako kumushandi, rega chikwereti chikwereti chizive uye havafaniri kukubatanidza newe kubasa zvakare.
Havagoni kukushevedza zvakare
Iyo FDCPA haina kunyatsotaura kuti kazhinji chikwereti chinotora chikwereti chinogona kudana sei, semuvhiki nevhiki kana zuva nezuva kana kazhinji pazuva. Izvo zvinodaro, zvakadaro, zvinorambidza vatori kubva "kuita kuti foni inyore kakawanda kana kuti ichiramba ichigumbura" iwe. Saka, vatokari vatokari havafaniri kunge vakakudanai kudzokera kumashure, kunyanya pakarepo mushure mokunge mazvitaura navo uye makagumisa kudana kana mushure mokunge musati mushevedza.
Vanofanirawo kutumira mini Miranda .
Vanogona Kudana Nomunhare Wenyu
Hapana mubumbiro rinoreva kuti vateresi vateresi havagone kudana foni yako. Kana yako nhamba yefoni yefoni iyo nhamba yawakapa apo iwe wakashandisa nekodhadha chikwereti, iyo iyo nhamba yematokari vatori vanozokubatanidza newe. Vanokwereta vatora vanogonawo kuwana nhamba yako yerofoni kubva kumushumo wekwereti yako kana iwe wakapa kune umwe wevamwe vatengi vako kuti vakuudze iwe.
Havagoni Kudana Kana Iwe Uvaudza Kuti Kwete-Mukunyora
Kurega chikwereti kuunganidza kudana zvakakwana, unogona kutumira kunyorwa kwakanyorwa uye kurega tsamba ichiita kuti vazive kuti vasakushevedza iwe zvakare. Mushure mokunge vatora chikwereti vakagamuchira tsamba yenyu, vanogona kungokutaurirai zvakare zvakare uye kukuzivisai zvavanofunga kuronga. Ndizvo kana vakaronga kuita chimwe chinhu zvachose. Cherechedza kuti iwe unofanirwa kuita "iwe usadane" chikumbiro chawakanyorera kuti chibatwe nemutemo. Tumira tsamba yako kuburikidza netsamba yakagadziriswa kuitira kuti iwe uone iyo uye uone kuti chikwereti chavatora chakachiwana.
Vanogona Kudana Mhuri Yenyu Asi Havagoni Kukurukura Nezvaunokweretesa
Vateresi vateresi vanogona kutaurirana nemhuri yako, shamwari, uye vavakidzani kuti vawane ruzivo pamusoro pako, asi havabvumirwi kuzarura kuti ivo vane chikwereti.
Ivo havabvumirwi kuzarura chero chinhu pamusoro pekwereti chenyu. Vanogona kungosangana nevanoda chete kamwechete uye vanogona kungoshevedza kuti kuwanao utero yako, nhamba yefoni, uye nzvimbo yebasa.
Weekend uye Mahofisi Ezororo Angave Anofungidzirwa Asingaoneki
Zvakadini nevekupera kwevhiki uye mazororo? Nenzira yakanaka, mabhizimisi akawanda, kusanganisira masangano ekuunganidza, akavharwa pakupera kwevhiki uye mazororo. Kunyange zvazvo FDCPA isingatauri zvakananga kuti mazuva evhiki vatori vanogona uye vasingakwanisi kudana, inotaura kuti vateresi havagone kutaura newe munguva "iyo inofanira kuzivikanwa kuti haina kukanganisa."
Kana muteresi akashevedza panguva yakaipa, ingoti, "Ino haisi nguva yakakodzera" uye vaite kuti vazive zvakananga nguva yakakodzera. Muteresi anokwereta anodiwa kukudza chikumbiro chako, kunyange kana iwe uchichitaura.
Nyora hurukuro iyi inosanganisira zuva uye nguva. Nyorawo zvinyorwa zvemangwana chero ipi zvayo yekushanyira vatokweretesi vanoita kwauri panguva yawaudza kuti hazvisi nyore. Iwe unogona kunge une zvikonzero zvekumhan'ara muunganidzi kana zvichienderera kukushevedza pane imwe nguva iwe wataura zvisingakanganisi iwe.
Nzira Yokugadzirisa Kakawanda Kakawanda Kumbani Dzimba
Kana iwe uchidavira kuti chikwereti chikwereti chiri kuputsa murairo nekukudana kunze kwemazuva anobvumidzwa kana nekudana kakawanda kupfuura zvavanofanira, kunyanya mushure mokunge marega kugumira uye kurega tsamba vachivakumbira kuti varege kushevedza, munogona kuvaudza kuCFPB uye yako State Attorney General. Nekutengesa kwakakwana kwevatengi kana hurumende inogona kukwanisa kukwereta chikwereti uye inoda kuti vasiye kutyora mutemo.
Kubhadhara chikwereti kana kuita urongwa hwekubhadhara kuchaitawo kuti vateresi vasakudanai. Usati wabhadhara, iva nechokwadi chokuti chikwereti chacho chiri chako uye kuti chiri mukati mekugadziriswa kwemurairo .