Kuwo wonke amadolobha asezempi, uzodlula ama-pawnshops amaningi, izitolo zezimali ezithuthukisiwe, kanye nezitolo zokuthengisa izimoto "ezingekho izikweletu ezidingekayo" zokuthenga izimoto zabo.
Lezi zimabhizinisi, bonke abasendaweni eseduze yanoma yisiphi isisetshenziswa sezempi basho amajoni amasha nge-paycheck ehlala njalo engazijwayele inzalo ephezulu kulezi zinhlobo zemali mboleko.
Kukhona ithemba labantu abacabangela ukusebenzisa la mabhizinisi - I-Navy-Marine Corps Relief Society.
Leli bhizinisi elingenzi inzuzo linikeza imindeni ye-Navy neyaseMarine Corps ngosizo lwezezimali kanye nemalimboleko engenasithakazelo ngenkathi kunenkinga yomndeni.
I-Army ne-Air Force nayo inebutho le-Army Emergency Relief Society kanye ne-Air Force Relief Society ukusiza amasosha nokuqinisa ukuthola izikweletu kuzo zonke izinhlobo zezimo zezezimali.
Lezi zinhlelo zinikeza imindeni yezempi enye inketho phezu kwamabhizinisi "okusheshayo" kanye nokuthi ngubani ozogcina "ehoxisiwe" emkhakheni ongapheliyo wokubolekisa inzalo ephezulu.
Ukukhetha okungalungile usebenzisa lezi zinshintsho zamanani ezithakazelo eziphezulu. Cabangela kuqala izinhlangano zokusiza ezempi kuqala, ngoba uma uhamba ngemali esheshayo, zikhiphe isamba senzalo esinzima ukuhlangabezana nezibopho zenyanga.
Usizo lweNational Consumer Law Center (NCLC)
USteve Tripoli, ummeli wabathengi neNational Consumer Law Centre, osolwa ngokuthi "imali esheshayo" abakhokhisi bokubhekisa amalungu enkonzo nabalandeli bezilwane ngemikhuba engalungile yokubolekisa.
I-NCLC ikhishwe umbiko wekhasi angu-66 ngalolo suku, elinesihloko esithi, "Ezenzweni Ezingozi - Ekhaya: Abakwa-Consumer Scams kanye Nokubhekela Ngokuqondile Amandla Ampi Nama-Veteran aseMelika." Isikhungo yinhlangano engenzi inzuzo esebenza ukuxazulula izinkinga zabathengi, ikakhulukazi lezo ezithinta abathengi abahola kancane.
Lezi zimabhizinisi zezikweletu zisebenzisa imikhuba ekhohlisayo ephula umthetho we-federal emithethweni yeQiniso eMthethweni Wokuboleka, oklanyelwe ukwazisa abathengi inani lemali okuyokweleta isikweletu.
Futhi, eziningi zalezi zindleko ezikhokhelwa inzalo ephakeme zingase ziphule imithetho yezwe evimbela izenzo ezingalungile, ezikhohlisayo nezinye izenzo zokukhwabanisa emakethe.
"Amalungu (amasevisi enkonzo) aphethwe yizimboni," kusho uTopoli. Wafaka iphuzu lakhe ngesethulo se-slides esibonise ukuthi izitolo ezihlukahlukene zokuthenga imali, izakhamuzi ezisheshayo, kanye nezitolo ezizimele zesikhwama sezimoto ezibekwe eceleni zibeke isitolo emgwaqweni omkhulu oholela eMayini Bay Naval Submarine Base, Ga.
"Kulungile ukuthi abantu basevisi bawa ngenxa yalokho? Ngokusobala ngoba bachitha imali yabo, kwezinye izimo," esho. "Kodwa lokho akunzima kakhulu ukukwenza uma umholo wakho uphansi futhi usencane futhi ungenalwazi," wanezela.
U-Tripoli uthi abasebenzi basezempi "babhekene nengozini" kubakhokhisi abasheshayo ngenxa yezoqoqosho nezomnotho.
"Abantu abasebenzelayo yizinhloso ezikhangayo ngoba zisebancane, izinkokhelo zabo ziwumthombo oqinile - uhulumeni wase-US; Azikho ukuthi zizokwehliswa futhi ngokusobala zibhekene - ikakhulukazi abancane - ukucindezeleka okungaphezulu kwezezimali ekuqaleni ekuphileni, "kuchaza.
Ngesikhathi esifanayo ukuthola abasebenzi bezempi ukuboleka imali, uTopoli wathi ababolekisi abaningi banikeza amagama abo emabhizinisi azwile ezempi.
Labo okukhulunywe kulo mbiko kufaka amagama afana ne-Pioneer Military Lending, i-Veterans First Service Service, i-American Military Debt Management Service kanye neMali Yemali Yezempi. U-Tripoli uthe amagama anjalo avame ukwenza abantu bacabange ukuthi lezi zinkampani zidla ezempi. AWAKHO!
"Bahlambalaza izincwadi zabo zokuphromotha ngezinkulumo zokukhathazeka kwemindeni yempi," esho. Wanezela ukuthi izikhangisi emaphephandabeni ezempi zihola amalungu enkonzo ukuthi bakholelwe ukuthi la maphephandaba kazwelonke angamaphephandaba asemthethweni uma eqinisweni ayengekho, uthe.
Ngokusho kombiko, okuvamile mayelana namabhizinisi anikezela ngemali yokuhlola, noma i-payday loans, kanti abanye bavame ukuguqulwa njengekhamera khadi, izinkampani ze-intanethi kanye nezinkampani zokuthengisa ukuthi zibolekisa imali encane yamasheya emifushane emide kakhulu amanani entengo.
Ungaweli Kwalezi Zindlela Zokuhlaziya
Ibhizinisi elibizwa ngokuthi i-Florida Inthanethi linikeza amakhasimende ayo uchungechunge lwezinketho zokubuyisela imali ngokuzenzekelayo ngokushintshela inkonzo ye-intanethi.
Okunye okushiwo yi-rebate engu-$ 480 uma amakhasimende ezithoba kwinsizakalo ye-intanethi yonyaka. Izindleko ziyizigidi ezingama-80 njalo ngemva kwamasonto amabili, zithathwe ngokuzenzakalelayo ebhange lamakhasimende noma ama-akhawunti ekhadi lesikweletu, kuze kube yilapho kusebenza amahora angu-8. Futhi i-intanethi ingatholwa kuphela ezinkampanini eziningi zezitolo zesayithi.
Lapho abagqugquzeli be-NCLC bevakashela izinkampani ezimbili, bathola ama-terminals amane, amabili enkampanini ngayinye. Kodwa-ke, ayikho enye yamakhompiyutha ayesetshenziswa, kusho uT Tripoli.
Nakuba ukufinyelela kwe-intanethi okungenamkhawulo kumakhompyutha wekhaya kungathengwa cishe ngama-dollar angu-20 ngenyanga, umbiko uthi amakhasimende athola ukhetho lwamaRandi angu-480, azophela ukukhokhela u-$ 2,080 ($ 173.33 ngenyanga) ngonyaka ongenqunyiwe wenkonzo (amahora angu-8 njalo ngemva kwamasonto amabili). Umphumela: I-rebate engu-$ 480 ebiza u-$ 173.33 nyangazonke ngonyaka owodwa ihumusha ibe ngamaphesenti angu-421.6 wamaphesenti ngonyaka.
Lo mbiko uthe izinkampani zokuthengisa amakhadi zefoni zisebenza ngendlela efanayo. Esikhathini esisodwa, inkampani eseduze ne-Marine Corps Base Camp Lejeune, NC, ithengise ubulungu bekhadi lefoni ukuthi linikeze isaphulelo se-back back cash $ 300. Ngokubambisana, lowo obolekayo uyavuma ukuthenga amaminithi amafoni angama-300 okubiza ama-dollar ayi-67.50 njalo ngemva kwamasonto amabili noma i-$ 135 ngenyanga ngonyaka ozayo.
U-Tripoli uthe lokhu kusho ukuthi imali engamaRandi ayizigidi ezingama-300 ingamaphesenti ama-533 wamaphesenti ngonyaka.
Amakhasimende abasebenzisa izinkampani zokuthengisa ikhathalogi ngezinkambiso zemali azikhombisi ukusebenzisa amakhuphoni amakhathalogi akhishwe yinkampani ngokushintshanisa intuthuko, kusho uT Tripoli. Futhi uthi imikhiqizo enikezwa izinkampani zokuthengisa ikhathalogu "iyigugu kakhulu" futhi "yekhwalithi ephansi." Wanezela imikhiqizo ingaphansi kwezindleko zokuthutha nokuphatha kabi okwenza ukuthenga akufanele.
Lo mbiko uphinde uhlose abathengisi be-pawn abathumela izihloko ezihlinzeka ngemali ephansi yesikhashana esekelwe ekubalukeni kwemoto, besebenzisa isihloko salo njengesibopho. Ezimweni eziningi, uma lowo obolekayo ehleleka ngemalimboleko, lowo obolekayo uthi imoto ibe yingxenye yenani layo.
Khumbula, uma imali enikezwe yona "kuhle kakhulu ukuba ungabi yiqiniso - kungenzeka." Musa ukuwa ngezinketho zemali elula. Hlola nge-chain yakho yomyalo kuqala futhi uthole iseluleko sezezempi esivela kubachwepheshe abayingxenye yeqembu lezempi.