Matambudziko Nekutora Kwekupera Kwemitemo
Kana zvikwereti pane imwe nguva, njodzi yekushandiswa inodonha zvinoshamisa. Imhaka yokuti zvikwereti zvinogona kuva nguva-yakadziviswa mushure mekunge imwe nguva yenguva, zvichienderana nemutemo uri munharaunda yako.
Nguva Ndeipi-Matambudziko Akarambidzwa?
Nguva-zvikwereti zvakarambidzwa zvikwereti zvakakwegura zvikuru kune vasiri chikwereti nevatokweretesi vatengesi kukupomerai. Hurumende imwe neimwe ine mutemo unotaurira kuti chikwereti chinotakura chikwereti chinogona kukupomera sei chikwereti. Iyi nguva inozivikanwa seyo mutemo wekupera uye iri pakati pemakore matatu nematanhatu kune dzakawanda nyika, asi inogona kuva yakareba.
Usati wapindura chikwereti chekare, chengetedza mutemo wekukundikana muhurumende yako . Iwe unogona kusimbisa mutemo neHurumende Attorney General.
Mhosva dzeKuva-Dharedhi Dzakatambidzwa
Iko Iko Kunokwereta Kwekukwereta Kwematokari Mitemo inorambidza vateresi vateresi kuti vasazvipira kana kutyisidzira kukupomerai kwenguva yakati-chikwereti chakavharwa, asi izvozvo hazvirevi kuti hazvingaitiki. MunaFebruary 2012, Federal Trade Commission yakasangana nemutengo mukuru wevatengesi, Asset Acceptance, nekuputsa chikamu ichi che FDCPA. Sezvo chikamu chekugadzirisa, Asset Acceptance ikozvino yaisanganisira "haisati yakwidza" chiziviso muzvikwereti zvekuunganidza zvikwereti zvakapfuura mutemo wekukanganisa.
Kana iwe ukaitika kuti unopomerwa mhosva yechikwereti chakavharwa, iwe unogona kupa dare rine uchapupu hwokuti mutemo wekuregererwa wapera. Usakanganwa mhaka inopomerwa pasi pekufungidzira kuti ichazvichengeta pachayo kana kuti haina basa nokuti mutemo wekukundikana wapera.
Uyo anokwereta kana muteresi aigona kuwana mutongo usingagumi pamusoro pako uye urongwa hwokugadzirira mubairo wako kana iwe usingabhadhari mutongo. Tsvaga negweta kuti uwane nzira yakanakisisa yezviito kuti utore kana iwe wakasungirirwa chikwereti, ingave chikwereti chakavharirwa nguva kana kwete.
Chiitiko Chekuunganidza Chiri Chibvumirwe Penguva-Chikwereti Chakavharwa
Usafungidzira kuti nokuti nokuti chikwereti nguva-yakadziviswa kuti iwe hausati uchiripa chikwereti kana kuti mukwereti wako haakwanisi kuuya shure kwako nokuda kwechikwereti.
Vanokwereta uye vateresi vatokari vanogona kutora chikwereti-chakavharidzirwa zvikwereti nemitemo uye netsamba, mukati memiganhu yemutemo wekodzero.
Nguva-zvikwereti zvakadziviswa zvinogona kuonekwa pamushumo wekwereti yako kana chikwereti chekupa chikwereti chikamu chisati chapera. Zvikwereti zvakawanda zvinogona kuonekwa pamushumo wekwereti kwemakore manomwe kubva pazuva rawakasvibiswa. Kana mutemo wekupera usingaperi pane chikwereti makore manomwe asati apfuura, iyo nhoroondo icharamba iri pamushumo wekwereti.
Zvaunogona Kuita Nezvokutengesa Kubhadhara
Pane nzira shomanana dzekutora chikwereti chikwereti chiri kuedza kuunganidza chikwereti chakavharwa kubva kwauri.
- Kumbira chikwereti chikwereti kukupa nekunyora kwakanyorwa kwechikwereti . Iyi nzira inozivikanwa sechikwereti chekuita uye inofanira kuitwa mukati memazuva makumi matatu ekutanga kusangana newe. Mushure mokutumira chikumbiro chakanyorwa chekupupurirwa, vatori havagoni kuedza kubva kwamuri kusvikira vapa uchapupu hwokuti mune chikwereti.
- Kumbira chikwereti chikwereti kuti chirege kuonana newe . Kana iwe usingadi chikwereti chekuunganidza kana kutumira tsamba zvakare, tumira tsamba yakanyorwa ichitaura kuti mutemo wekukanganisa waperera, uye iwe haushudi kutaurirana pamusoro pechikwereti. Muunganidzi anogona kukutaurira zvakare zvakare kuti akuudze iwe chinangwa chekuita chinotevera, kana chimwe chinhu, uye shure kwaizvozvo iwe haufaniri kumbonzwa kubva kune uyo anounganidza zvakare.
- Rambai kushevedza kwevatori uye tsamba . Kuregeredza chikwereti hazviiti kuti zvivepo, asi iwe unogona kusarudza sarudzo iyi kana iwe usingadi kunetsa nekushandisa tsamba. Yeuka chikwereti hachibvumi nokuti iwe hauna hanya nazvo uye iva nechokwadi chokuti hauna hanya nemhosva yekutongwa.
Ramba uchiyeuka kuti chero bedzi chikwereti chiripo, chinogona kutengeswa uye kugoverwa kuzvikwata zvakasiyana-siyana. Iwe uchafanirwa kudzokorora matanho aya nguva imwe neimwe apo chikwereti chitsva chekutora chinotanga kuunganidza pane chikwereti chako. Kana chikwereti chikwereti chinoputsa kodzero dzako, unogona kutumira kunyunyuta ne Federal Federal Commission uye yako State Attorney General. Iwe unogonawo kukwanisa kusungira chikwereti chikwereti kusvika kusvika ku $ 1 000 pamwe nekukuvara.