Mune chikwereti vatori vekudanidzira vari kushungurudza zvakakwana pavanokushevedzai, asi apo vateresi vatengesi vanosangana nhengo dzemhuri yako nezvekwereti yako zvinonyadzisa. Zvisinei, kana chikwereti vatengesi vari kupa ruzivo kune hama dzenyu, panzvimbo pokuwana ruzivo, ivo vari kuputsa mutemo.
Sei Kubhadhara Chikwereti Kuunganidza Vanhengo Mhuri
Kana chikwereti chikwereti chave chichiedza kushaya kubudirira kuti chiwane iwe, dzinoshandisa dzimwe nzira kuedza kusvika kwauri.
Izvozvo zvingasanganisira kushevedza nhengo dzemhuri kuti dzione kuti ungapinda sei nekutaurirana newe.
Zviri nyore kupfuura iwe unofunga nezvevateresi vatengesi kuwana hama dzako. Vanoshandisa dzakawanda nzira dzakafanana kuti uwane hama dzako dzavanoshandisa kukuwana iwe . Pakupedzisira akagovana mazairo zviri nyore kushandisa kuti uwane nhengo dzemhuri yako. Indaneti yakaita kuti zvive nyore kupfuura kare kare kuti uwane hukama huno nechokudhonza kwebhatani shomanana.
Ndiyo Mutemo here?
Iko Kunokwereta Kwekodzero Kwekuita Mutemo Mutemo kunobvumira vateresi vatengesi kuti vataure nevamwe vanhu kuti vakuwanei, asi kune mireho pane zvavanogona kutaura. Vateresi vateresi vanogona kungosangana nemhuri yako kuti vakuwane iwe, kwete kutora mari yekwereti yako, uye ivo vanowanzobvumirwa kuonana nomunhu kamwechete. Kana mushure wacho achizofunga kuti nhengo yemhuri yenyu yakavapa ruzivo rwenhema, vanobvumirwa kuonana nhengo yemhuri zvakare.
Havangagoni kuratidzira kuti vari kushanda kune sangano rekuunganidza kunze kwekuti hama "inokumbira" ichi ruzivo, kureva vanobvunza kuti "Ndivanaani wamunoshanda?" Kana kuti "Ndianiko waunoshandira?" Uye kana mukoti atova kero uye nhamba yefoni, havabvumirwi kutaura nehama dzako zvachose.
Vateresi vateresi havabvumirwi kutaurira mhuri yako nezvekwereti chako kunze kwekuti iwe uri mucheche ari pasi pemakore gumi nemasere kana kuti nhengo yemumhuri yakabhadhara chikwereti newe. Kana zvisina kudaro, ivo vari kuputsa murairo uye iwe unogona kupomera mhosva iyi.
Kunyangwe pasina kutaura zvakananga kumhuri yako kuti iwe unokwereta chikwereti, mutori anogona kutarisira kuti nekungotaura nehama dzako nezve "nyaya yako yebhizimisi inokosha" iyo iwe uchafuridzirwa kubhadhara chikwereti, kana pasina chimwe chikonzero kunze kwekudzivirira zvinonyadzisa.
Nzira Yei Kuisa Vanokanganisa Kubva Kubata Mhuri Yenyu
Sezvo mugadziri wechinangwa chikuru chekuunganidza iwe chikwereti chako chikwereti, imwe yenzira dzakanyanyisa yekuita kuti arege kutaurirana nemhuri yako ndeyekubhadhara chikwereti . Ingoita izvi kana iwe wakatsigira kuti chikwereti chacho chakakodzera uye iwe unogona kubhadhara. Usaedza kuedza kukwereta chikwereti vatengesi kubva shure kwako nekuita vimbiso yekubhadhara kana iwe usingakwanise kuita zvakanaka pane vimbiso. Chibvumirano chekubhadhara chichagadzirisa mutemo wekukwanisa uye kubhadhara kunokonzera kungaita kuti muteresi anounganidza awedzere kuunganidza.
Iwe unogona kukumbira chikwereti chekusungiririra kusarega kukutaurira pamusoro pechikwereti , asi iwe unofanira kuita chikumbiro chakanyorwa kuburikidza nokutumira kugumira uye kurega tsamba r.
Kana iwe watove uchitarisana nekwereta mutengesi anotyisidzira kuudza mhuri yako nezvekwereti yako, ivo vari kuputsa mutemo. Havabvumirwi kutaura nemhuri yako kana vakakuwana iwe uye sezvo ichi chiri ngozi iyo haigoni kutevera zviri pamutemo, ivo vari kuputsa FDCPA.
Iwe unogona kurondedzera chikwereti chikwereti chave chisina kutaurirana pamusoro pekwereti yako kune Consumer Financial Protection Bureau. Pakupedzisira, funga kutaura neye gweta pamusoro pekutaura sangano rekuunganidza iro rakaputsa kodzero dzako nekuudza nhengo dzemhuri yako nezvekwereti chako.