Shandisa Kodzero Dzako Paunotarisana Nezvisina Kukodzera Kubhadhara Chikwereti Chekuita
- Iwe uri kubatwa nechikwereti chikwereti here?
- Ndiko anounganidza ari kudana kakawanda pazuva?
- Iko mukoti wacho ataura nemushandi wako kana hama dzako here?
- Wakakwereta chikwereti akakutyisidzira iwe here kana kushandisa mutauro wakaipa?
- Unonzwa uchininipiswa here?
- Unoshamisika here kana pane imwe nzira yekugadzirisa izvi?
Kana wakapindura hungu kune chero ipi zvayo mibvunzo iyi, iwe unogona kunge wakarohwa zvisina kukodzera chikwereti chekuunganidza maitiro.
Uye hongu, kune zvimwe zvaunogona kuita kuti zvive zvigumire, uye zvichida kunyange kutora mhirizhonga kana kubhadharwa kwekutambudzika kwako.
Vanhu vazhinji vanotambudzwa nekusaruramisira kwemari chikwereti maitiro vari pasi pekutambudzika kukuru, kazhinji nekuda kwekurasika kwemari, kurambana kana nyaya dzezvehutano. Kurwisana nekushungurudzwa pamusoro pavanowanzosiyira anenge akwereta achinzwa akakundwa zvachose uye asina simba rakakwana kuti arambe achiita basa kuti amise basa rekuunganidza kana kuti aise avo vanoita mhosva kururamisira.
Somunhu akakwereta uye anorwa nemitambo iyi, une kodzero. Iwewo une mishonga. Kana iwe uri kutambura kubva kuedza kwevatori kuedza kukutyisidzira iwe zvisina kururama, heino mamwe matanho aungatora. Kana iwe uchitamba makadhi ako zvakanaka, unogona kukwanisa kuisa mari shoma muhomwe yako.
1. Ziva Kodzero Dzako
Dzidza nezve federal Fair Debt Collection Practices Act, iyo inoshanda kune uye izvo zviito zvinorambidzwa.
Iwe unogona kuwanawo ruzivo pamusoro pemari yekuunganidza zvikwereti kune mawebsite ye Federal Federal Commission, Consumer Financial Protection Bureau, hofisi yemweya mukuru wezvematongerwo enyika munzvimbo dzakawanda (somuenzaniso, hofisi yeTexas AG) uye kunyange mawebsite evanomumiriri vevatengi vega avo vanomiririra vatorwa muzviito zvisina kukodzera zvekukwereta chikwereti.
Ona kuti ungataurirana sei nevako vane chikwereti uye gadzirisa zvikwereti zvako .
2. Ramba Uchiita Zvakanaka uye Uchida
Mukubata nevanokwereta chikwereti, tora nzira yakakwirira. Mari inokurudzira zvikuru. Vateresi vatokari vanowanzoshanda pamutemo. Kunyanya vanogona kubuda muhomwe dzenyu, mari yakawanda yavanogona kuisa mumapato avo. Apo iwe unoshandura urongwa hwezviito zvakarambidzwa, unogona kuedzwa kuti ufunge nezvevanhu vasina kukanganisa chikwereti vatori sevanyengeri. Vanowanzove. Kuvhiringidzika kunogona kuva yakanyatsobudirira kukwereta chikwereti tsika, kunyanya kana akakwereta asinganzwisisi kodzero dzake.
Paunotarisana nevatori vefoni, usadzoka. Sezvo zvakaoma sezvazvingava, chengetedza hutsika. Tora pane zvavanokuudza. Usaita zvipikirwa kuti haugone kuchengeta. Taura chokwadi. Usaedza kuvhundusa ivo. Iwe haugoni kukunda pamutambo iwoyo.
Asi, kana iwe uchichengeta musoro wakachena, muunganidzi haagoni kudzoka gare gare uye anoti iye akanga ari jut achiedza kuzvidzivirira. Funga kuti imwe nhepfenyuro yekuunganidza yakanyorwa. Kunyanya iye anokwidzwa, anowedzera kutarisa, kunyanya kana iwe usisi kumupa zita rekutora.
3. Ramba Uchiona
Kune chikamu chikuru, vateresi vanokwereta vanoshandisa tsamba yepositi uye foni kuti vataure nevanobhadhara, kunyange zvazvo vakawanda uye tichiwedzera tinoona email nekutumira mameseji.
Zvinyorwa zvemashoko zvechokwadi zvichazvitaurira ivo pachavo. Chengetedza zvinyorwa zvose, zvinyorwa zvebhuku uye zvinyorwa.
Paunotaura nemutengi, tora zita remutengi, nhamba yekudzorera, uye kambani yaanoshanda. Ita zvinyorwa pamubatanidzwa. Heino rimwe kambani pebasa rekushandisa kukupa pfungwa. Aya manotsi achave anokosha kana iwe uchizoita kunyunyuta kana kutumira mhosva kumudzidzisi.
Zvinenge zvese zvakasanganiswa zvinokumbirwa iwe unogamuchira zvichanyorwa nehurumende yekuunganidza, asi vamwe vanhu vanoenda kusvika pano kuti vanyore hurukuro dzavo nevatori vadzo. Kune maapiriteri akawanda asina mari yaunogona kushandisa neserura yako kana foni. Pasi pemutemo wezvematongerwo enyika uye mumitemo yakawanda ndezvepamutemo kuti iwe kunyora hurukuro usingatori mvumo yevamwe vanhu pamutambo.
Izvi zvinonzi mutemo wemvumo imwe chete. Asi, mune dzimwe nzvimbo, izvo hazvisi pamutemo. Zvinyorwa izvi zvaizove zvisingabatsiri kushandiswa kwauri, uye iwe unogona kuzviwana uri mumatambudziko ekunyora zvakavanzika hurukuro. Usati waedza izvi, dzidza mutemo wekunyora uri munharaunda yako.
4. Kumbira Kuongorora Kwechikwereti
Kana akambokutaurira iwe, chikwereti chikwereti chine mazuva mashanu kubva pakusangana kwokutanga kuti akupei ruzivo rwakatevera pamusoro pechikwereti. Kutaurirana uku, kazhinji mukunyora, kunofanira kukuudza kuti:
Chiyero chechikwereti;
Zita romunhu ane chikwereti kune chikwereti chakwereta iye zvino;
Kuti iwe une mazuva makumi matatu ekupikisa kuvimbika kwechikwereti;
Muunganidzi achatora chikwereti icho chakanaka kunze kwekuti iwe unopikisana mukati memazuva makumi matatu;
Kana iwe ukakavhiringidza chikwereti mukati memazuva makumi matatu, muteresi achakutumira iwe ruzivo ruchakubvumira kuona uye kuongorora chikwereti;
Kana iwe kutumira mukoti chikumbiro chakanyorwa mukati memazuva makumi matatu kuti zita uye ruzivo rwekutsvaga rwemukwereti wepakutanga, muunganidzi azvipe.
Kana iwe ukakavhiringidza chikwereti kana kukumbira kuvimbiswa kana kuvimbiswa kwechikwereti , muunganidzi anofanira kumisa basa rose rekuunganidza kusvikira yakutumira iwe kuongorora kwechikwereti. Izvi zvinoshanda kumagweta anoedza kutora chikwereti kune vatengi, kunze kwekuti gweta rinogona kutanga kana kupfuurira mhosva.
Sei Zvakakosha Kupikisa Chikwereti?
Iwe unofanirana kukakavadzana chikwereti kana kukumbira kuvimbiswa kuitira kuti iwe uzive kuti ndiani uye chii chauri kuita naye. Kakawanda apo munhu anotenga chikwereti asingakwanisi kana kuti asingagutsi kugamuchira chikwereti, uyo ane chikwereti achabhadhara pamabhuku ayo uye anotengesa chikwereti chepeneni pesainari kune imwe sangano rekuunganidza kana kune kambani kana munhu anonyanya kukoshesa kutenga mabhuku pamatengo . Vanokweretesa vatengesi vanoita mari yavo nekukutorera iwe, wakwereta, kubhadhara kudarika chikwereti chakatengesa kutenga iyo account.
Nhoroondo yacho inogona kuchinja maoko kakawanda. Kazhinji, iyo chete iyo iyo mutengi ane chikwereti anogamuchira ndiro zita rekupedzisira muridzi wekwereti, yako yekupedzisira yekuzivikanwa kwemashoko uye chikamu chechikwereti. Kana ukawana tsamba yekuda kubva kuMidheni yeMidland ye $ 3107, iwe unogona kunge usina ruzivo kuti iyo nhoroondo yepakutanga yaiva Wells Fargo Mastercard. Kana iwe ukakavhiringidza chikwereti, muridzi iye zvino anofanira kutsvakurudza iyo, kugadzirisa mari yaunokwereta, uye kukupa iwe zita uye chiyero chemuridzi wepakutanga wechikwereti. Kana pasina chimwe chinhu, izvi zvinogona kukupa nzvimbo yekufema. Kazhinji, ichakupa mukana wekutsvakurudza zvinyorwa zvako uye kupa uchapupu kumunhu mutsva kuti iyo yekodhi yakabhadharwa kana kuti iwe unokwereta zvakasiyana nezvinodiwa.
Ko Ko kana Creditor Isingagoni Kuzadzisa Chikwereti?
Kana muteresi ari kuedza kuunganidza zvakawanda kupfuura iwe unokwereta, asingakwanisi kutsigira chikwereti, anoenderera kukukurukura iwe apo chikwereti chiri kupikiswa, hachikupei zita uye chiyero chechikwereti chepakutanga, muteresi ari kukanganisa chikwereti cha Fair Fair Kuunganidza Kunoshandisa Mutemo. Kana mikana yakawanda iyo mukoti inoputsa FDCPA, iwe unowedzera kubuda mberi pakupedzisira.
5. Taurira Creditor kuti Ita Kukurukura Newe
Hungu, ichokwadi. Iwe zvachose unogona kuudza muunganidzi kuti akusiye iwe oga. Pane nzira, nzira yakakodzera yekuzviita, uye zvakakosha kuti iwe unzwisise kushanda kwekuda kwako uye nemigumisiro yaunogona kutarisira kubuda mairi.
Chero nokuti sangano rinounganidza haritaurirane newe hazvirevi kuti rakasiya iwe. Pane mukana wakanaka kuti muteresi achangotarisa iyo nhoroondo kune gweta remhosva . Izvi zvinowanzove yakakura iyo nhoroondo. Kana kambani yemutemo ine nhoroondo, inofanira kukunyorera iwe nemapepa emapepa ayo. Asi ivo nevatori havasi pasi pezvavanofanira kuita kukunyeverai kuti iyo nhoroondo iri kutumirwa kune gweta rekutongwa kwemutemo.
Pane nguva dzose mukana wekuti gweta haazove ne-up-to-date ruzivo rwekufambidzana newe, kana mapepa akafanirwa haachafi kwauri. Kana iwe usingatongopinduri sutu, dare rinogona kupinda mukutonga kusina kutarisana newe. Mhosva dzinowedzera nyore kuzvidzivirira musati kutonga kutorwa kupfuura shure.
Kunyange kana muteresi akasarudza kusatumira chikwereti kune gweta, muunganidzi angave asina chaanosarudza kunze kwekutengesa iyo imwe yacho kune mumwe mutengi wemari chikwereti. Kana mumwe muteresi apinda munzvimbo, iwe unofanira kutanga kubva pakutanga kuti uone chikwereti uye kutumira mutsva mutsva uye kurega tsamba.
Kana zvakakosha kwauri kuti unakidzwe nekuzorora kubva kuHaranguing, kupfuura nenzira dzose uite izvi:
Tumira tsamba yakanyorerwa kune muunganidzi achida kuti muunganidzi agume uye arege kubva kune dzimwe nhaurirano newe, hama dzako, wako waunoshandira kana ani zvake mutori angangosangana naye. Kuudza munhu wacho chikwereti foni kuti amire kudana hazvina kukwana pasi pe FDCPA. Tumira izvozvo ne mail yakagamuchirwa kuitira kuti anogamuchira aifanira kuisayina. Nenzira iyo, kana muunganidzi ari kuramba achikurukura newe, imwe neimwe yekutaurirana ihwo humwe hupombwe hwe FDCPA.
Kana mushure mokunge mukoti anogamuchira tsamba kubva kwamuri vachikumbira kuti varege kutaurirana, muunganidzi anotarisirwa pasi peDFCPA kuti asiye kushamwaridzana nemamwe maonero maviri: 1. Muunganidzi anogona kukutumira tsamba kuti akuudze kuti vapedzisa kutaura, kana 2. muunganidzi anogona kukutumira tsamba kuti akuudze iwe kuti vari kutumira nhoroondo kune gweta kuti atange matanho emutemo.