Vashandi vanobatana mu chikwereti che phantom vanoita zvinopesana neMutemo Wekutengesa Chikwere Chekuita Practice Act (FDCPA). Havabvumirwi "kusvibisa" chikwereti chaunokwereta uye kuti iwe unokwereta chikwereti chiriko hachina kudaro.
Tine zvakawanda zvekutengesa mune zvemari munguva yeupenyu, zvakaoma kuchengetedza mavari mupfungwa dzedu. Vatokari vematokari vanotamba pane izvozvo nechinangwa chavo chechikwereti. Vari kutarisira kuti iwe uchakutenda iwe chikwereti chikwereti uye uchabhadhara ivo. Kana iwe usina kunyatsoziva nezvekodzero yekwereti, usabvuma uye usabvumirana kuribhadhara.
Icho chikwereti che Phantom kana Real Debt?
Iyo FDCPA inokupa kodzero yekuva nemutengi kuti ave nechokwadi chekwereti yako kuburikidza nenzira inozivikanwa sechikwereti chekuita . Iwe une mazuva makumi matatu kubva pazuva rawakabhadhara chikwereti iwe kutanga kukumbira kuvimbiswa kwechikwereti. Zvadaro, mukoti ane mazuva makumi matatu kuti ape uchapupu hwokuti ndewechikwereti kana kuti akapiwa kuti aizounganidze nemunhu anotenga chikwereti. Kana muunganidzi asingagoni kupa uchapupu uhwu, haugoni kuramba uchiunganidza kubva kwauri.
Chengetera mhorodhi yako yemari . Kana chikwereti chiri chepamutemo, nhoroondo yepakutanga inogona kunyorwa pamushumo wekwereti.
Ita kuti mukoti akupe zita rechikwereti chepakutanga uye chengeta ruzivo rwako. Haasi ose mavhesi ekutanga anowanikwa pamushumo wekwereti yako. Semuenzaniso, kana kudai kuunganidzwa kune imwe nguva yekare yebhadharo, hazvizovi pamushumo wako.
Iva nechokwadi chokuti sangano rekusunganidza harina kunyora chikwereti che phantom pane yako rekwereti yemari.
Kana zvichidiwa, unogona kutumira chikwereti chekwereti kukakavadzana kuti chibvise.
Taura nemudzidzi wekwereta. Itai kuti vazive kuti sangano rekuunganidza rave richiedza kukubvumirai kuti muribhare chikwereti uye iwe hauna nhoroondo yekambani. Munhu anofungidzirwa kuti ane chikwereti achakwanisa kukuudza kana iyo yenyaya yacho yakarurama uye kana yakagoverwa kune iyo sangano rekuunganidza.
Rega Vanounganidza Kubva Kukushevedzai
Iwe unogona kumisa vateresi kubva kukushevedza pamusoro pekwereti ye phantom (kana chero imwe chikwereti) nokutumira kunyora kwakanyorwa nekusiya tsamba vachivakumbira kuti varege kukutaurira iwe. Apo muteresi anogamuchira tsamba yako, inogona kukunyorera iwe imwe nguva yekupedzisira, mukunyora kuti ikuudze imwe yezvinhu izvi: kuti haichazogadziri chikwereti zvakare, kuti inogona kutora zvimwe zviito zvinopesana newe, kana kuti zvichaitika zvechokwadi tora zvimwe zviito zvinopesana newe.
Kuzivisa Phantom Chikwereti Vatengesi
Hazvibvumirwi nemutemo kune vateresi vatora kuti vaite zvikwereti. Kana iwe wakambokurukura kubhadhara chikwereti chisiripo, raira mutori wacho ku Federal Federal Commission, yako nyika Attorney General, uye Better Business Bureau. Iwe unogonawo kuisa mhosva kumusangano wekuona kwekukuvara uye kukuvara kwechirango. Iwe unogona zvakare kuudza mutengesi kana uchiramba uchinyorera chikwereti chekwereti chako chekwereti, unorega chikumbiro chako chekugadzirisa uye unoramba uchiunganidza chikwereti, kana kukanganwa kuguma uye kurega tsamba.