Unelungelo lokusola ngaphansi kwezimo ezithile
UMthetho Wama-Practices Act wokuqoqa izikweletu
Umthetho Wamaqoqo Okuqoqa Amatyala Ezokwethembeka, owaziwa ngokuthi yi-FDCPA, ubelokhu ukhona kusukela ngo-1978.
Ibeka imithetho ethile ukuthi abaqoqi bezikweletu kanye ne-ejensi yokuqoqa kumele balandele lapho bezama ukukhokha inkokhelo. I-FDCPA isebenza kuphela ezikweletheni zomuntu siqu, hhayi izikweletu okungenzeka ukuthi uyenze ukuqhuba ibhizinisi.
Inquma lapho abathengisi bezikweletu bangakushayela khona, okungekho ngaphambi kuka-8 ekuseni nangaphambi kuka-9 ntambama ngokususelwa kumkhawulo wesikhathi somthengi. Abakwazi ukukusongela noma ukukubiza ngokuphindaphindiwe ngomzamo wokukuhlukumeza, futhi abakwazi ukusebenzisa ulimi olungcolile noma olungcolile. Abakwazanga ukwenza amarekhodi angamanga, njengokuthi bangakubopha uma ungakhokhi, noma uxoxisane nesikweletu sakho nanoma ubani ngaphandle kommeli wakho, nakuba bangathintana namalungu omndeni nabangani bavele bacele imininingwane yokuxhumana nawe .
Funda phezulu kwi-FDCPA uma ukholelwa ukuthi umqoqi wezikweletu uye wangena ngaphandle kwemithetho. Uma kunjalo, umthetho usinikeza inzuzo, kufaka phakathi ukufaka icala ngokumelene naye.
Imithetho Yokufaka I-Lawsuit
Umthetho wase-Federal uvumela abantu kanye namaqembu abantu ukuba baxoxise ama-ejenti wokuqoqa, kodwa kufanele ujeze kungakapheli unyaka owodwa wokuphulwa kwamalungelo akho. Uma unqoba, ungabuyiselwa noma yimuphi umonakalo owawuhlupheka kanye nesamba esingeziwe esingu-$ 1,000 esibizwa ngokuthi "okusemthethweni".
Umklomelo wakho ungafaka futhi ukubuyisela izindleko zenkantolo nanoma yiziphi izimali zommeli okufanele ukhokhe ukufaka icala.
Esikhathini sokulandela isenzo sesigaba esivela iqembu labantu, leli qembu lingathola amaphesenti angama-1 e-ejensi yokuqoqa noma i-$ 500,000, noma yikuphi okuncane.
Kungaba nzima ukufakazela ukuthi amalungelo akho aphulwa, futhi umthwalo wobufakazi uzoba kuwe. Gcina amarekhodi eningiliziwe ezinsuku kanye nezikhathi umqokeleli ekubizile. Bhala phansi igama lakhe bese ubhala inombolo yenombolo uma unayo i-ID yocingo. Gcina amanothi ngalokho okwakushiwo. Lolu lwazi lubaluleke kakhulu ekuboniseni icala lokuhlukumeza enkantolo.
Yini Ongayilindela Kumqokeleli Wesikweletu
Abaqoqi bezikweletu ngokuvamile abesabi kakhulu ukuboshwa ngenxa yemingcele yezimali ebekwe kulokho ongayithola ekubuyeleni. I-ejensi yokuqoqa kungenzeka ingalokothi ithathe isongo ngokungathí sina, ukwazi ukuthi usuvele ukhokhelwe futhi unethemba lokuthi awukwazi ukukhokhela ummeli ukuba akumele enkantolo.
Kuhlale kungumqondo omuhle ukuvumela umqoqi wezikweletu ukuthi uyazi wonke amalungelo akho, noma kunjalo, kuhlanganise nelungelo lokusola. Uma usuphenye umthetho, ungase ubonise ukwephulwa kwakhe futhi mhlawumbe uvule umnyango wezingxoxo ezikhiqizayo ngaphezulu.
Ezinye Izinketho
Khuluma nommeli uma ungeke ukwazi ukuxazulula izinkinga zakho nomqoqi wezikweletu futhi uyaqhubeka ekuhlukumeza, noma uma imisebenzi yakhe isivele ikulimaze. Kungenzeka ngisho nokuzimisela ukukhokha ngemali yokukhokha, kusho ukuthi uyakhokhwa kuphela uma uphumelela - uyomnika iphesenti lemali yakho ekhokhelwayo.
Uma kungenjalo, cabanga ukufaka icala lakho enkantolo encane yezinkantolo esikhundleni senkantolo yezwe, lapho imithetho ngokuvamile ikhululekile kakhulu ukuze ungadingi ummeli. Kunemingcele yemali ongayicela enkantolo encane yokufaka izicelo, noma kunjalo. Kungenzeka ukuthi ulahlekelwe u-$ 5,000 kumonakalo kodwa uma umbuso wakho ubamba imali ongayishayela yona ngo-$ 4,000, ukhawulelwe ukucela le mali.
Ungaphinda ubike umqoqi wezikweletu ku-Federal Trade Commission.
I-FTC izosebenza nawe kanye nomqoqi wezikweletu ukuze uzame ukuxazulula inkinga yakho. Ngaphezu kwalokho, ungabika umqoqi wezikweletu kummeli jikelele wombuso wakho.