Kuratidza moxiki shomanana kunowanzobhadhara paunenge uchibata nevatengi
Iwe waifunga kuti kare kare kadhi rechikwereti rechikwereti raoma. Zvichida iwe wakanga usati wanzwa kubva kune chikwereti chavatengesi pane imwe nguva. Zvadaro, bam! Mune tsamba inouya "Summons" uye kopi yemhosva yakapiwa neimwe kambani yausati wambonzwa pamusoro pekuti iwe une chikwereti chakawandisa pane imwe nhoroondo iwe wakanga wakangamwa iwe wakanga uine.
Zvinogona kuva zvakaoma kuziva zvaunofanira kuita, asi iwe unosarudza. Ngatitarisei zvaunogona kuita kuti utarisire chikwereti ichi chakare, kana kuti zvichiita kuti uende.
Rega Izvo
Iwe unokwereta mari here? Sei usingaregi mutori wacho kutora mutongo? Mushure mezvose, iwe wakafunga kuti iwe wakanga usina kumboona kuguma kwahwo.
Kutaura chokwadi, izvi zvingava zvechokwadi, asi zvingave zvisina kunaka. Tarisa nyaya iyi kuti udzidze kuti kutonga chii uye nei uchifanira kuvadzivisa: Kutongwa chii ?
Tipei Kugadzirisa
Kwete chisarudzo chakaipa. Anenge nguva dzose muunganidzi acharatidza chido chokugogodza chimwe chinhu kubva pachiyero mukudzokorora kwekugadzirisa nekutsvaira sutu. Asi zvakakwana zvakakwana? Vachaderera zvakadini?
Zvimiririre Iwe pachavo Mutemo
Zvichienderana nehukuru hwekambani, mhosva dzemakadhi ekwereti dzinowanzoiswa muzvikwereti zviduku kana kururamisira kwematare egare. Dare idzi dzinonzwisisa kuti vanhu vazhinji havagoni kana kuti havasi kuzobhadhara gweta, uye vanoshanda nesimba kuti zvigadzirise nzira kuburikidza nekuchera mapepa uye zvigadziriswa.
Asi yeuka, uyo ane chikwereti achikumbira iwe uri kumiririrwa neye gweta (a corporation haabvumirwi kuzvimiririra pacheche, kunyange mumatare maduku madzitateguru.) Vakuru vezvemitemo vanopesana, vanoita izvi zuva rega rega, uye vanoziva maitiro ose.
Unonyatsoziva here kuti unoda kuzvienda uri woga?
Gira Gweta kuti Rikufananidzirei
Asi handizvo izvi zvinodhura here? Izvo zvinoenderana. Mareji avo vanodzivirira mhosva dzevatengesi vanowanzobhadhara mari yepamusoro kana mari yeawa imwe chete. Kunze kwekuti gweta iri kuda kutora nyaya yacho kudarika iwe unogona kubhadhara mukugadzirisa nemunhu ane chikwereti, zvingasaita kuti upfumi huve nehupfumi.
Asi, kana gweta rinogona kuita kuti mhosva iende kune imwe yezviyero, ingadai yakakodzera here?
Mhosva dzakatemerwa nevatori vematarenga dzinogona kudzivirirwa zvichibva pane zvinyorwa zviviri.
A. Chikwereti chakakwegura zvikuru kuti chiwane mutongo. Munyika yose, kune mutemo kana sarudzo yemitemo inonzi Statute of Limitations. Mutemo unotaura kuti kana mumwe munhu akakwidza zvinyorwa newe pachikwereti chakare (kazhinji makore maviri kusvika kumatanhatu, zvichienderana nehurumende uye mutauro), havagoni kutongerwa iwe. Icho chinyengeri ndechokuti iwe unofanirwa kuunza izvozvo kumatare. Iko kunonzi kuunza an affirmative defense. Zvinokwanisika kuti mutongi angazviona akazvimiririra kunze kwekuti chikwereti chacho chakakwegura, asi kazhinji mapepa emhosva haatauri kuti chikwereti ndechei (ona "B" pasi), saka mutongi haazozivi kunze kwekuti iwe, mumiririri, anomuudza. Iwe unowanzoita izvi nokuisa mhinduro, kana kupindura kune sutu, nekuisa zvidziviriro zvako mumhinduro.
B. Muchengetedzi chikwereti haagoni kuratidza kuti iwe unokwereta mari . Nhoroondo dzinotengeswa nguva nenguva nevanokweretesa chikwereti kune vamwe vatokari vatokari. Kazhinji, mapepa ayo anoumba hwaro hwemhosva - chikwangwani chako chekadhi, kushanda kwako, nhoroondo yako yekubhadhara - haisi kutumirwa nekambani.
Kana iwe usingadzivirire sutu yako, muteresi wekosi kazhinji haafaniri kuratidza chero chinhu. Mutongi achatora zvikwangwani zviri mukutongwa semhosva uye achapinda "kutonga kusingagumi.". Kana iwe uchidzivirira sutu, muteresi webhadharo anofanira kuratidza kuti iwe wakabvumirana nemamwe mazwi, kuti wakwereta mari, uye kuti chii chawakaita. Zvinogona kunge zvakaoma kuti musangano webhadharo uwane iyo mapepa, uye pasina mapepa akakodzera, muteresi wekosi haazokwanise kuratidza zvinhu zvose zvayo zvayo pamusoro pako.
Nokuda kwezvimwe zvidziviriro, tarisa nyaya ino: Kudzivirirwa kumatare eCard Card.
The Bottom Line
Kana iwe uchitsigira sutu, kune mukana wakajeka wekuti muteresi haakwanisi kuhwina, kana kuti achabvisa, kana kuti achakurukura kune imwe nzvimbo yakaderera.
Sezvo vatongi vemakwereti akawanda ekuchengetedza chikwereti vachipa mazano ekutanga pasina chekubhadhara, hapana chaunorasikirwa nacho nekugadzirira kushanyira imwe.
Heano nhatu nzvimbo dzakanaka dzekuwana gweta uyo achakubatsira kurwira chikwereti chevatengi:
- National Association of Consumer Advocates
- National Association of Consumer Bankruptcy Attorneys
- Lawyers.com.