Muli ndi ufulu woweruza pazinthu zina
Mchitidwe Wokonzera Ngongole Yamalonda
Lamulo la Chigamulo Chokwanira Zolakwa, zomwe zimadziwika kuti FDCPA, zakhala zikuchitika kuyambira 1978.
Amakhazikitsa malamulo ena omwe osonkhanitsa ngongole ndi mabungwe osonkhanitsira ndalama ayenera kutsatira pamene akuyesera kupeza malipiro. FDCPA imangogwiritsira ntchito ngongole zaumwini, osati ngongole zomwe mwina mwakhala mukuchita bizinesi.
Zimakhazikitsa pamene osonkhanitsa ngongole angakuitaneni, zomwe sizinayambe zisanafike 8 koloko m'mawa ndipo pasanathe nthawi ya 9 koloko malingana ndi malo owonetsera nthawi. Iwo sangakhoze kukuopsezani kapena kukuitanani mobwerezabwereza pofuna kukuvutitsani, ndipo sangagwiritse ntchito chiyankhulo kapena chinenero choipa. Iwo sangathe kunena zabodza, monga kuti akhoza kukugwirani ngati simukulipira, kapena kukambirana ngongole yanu ndi wina aliyense kupatula wanu woweruza mlandu, ngakhale angathe kulankhulana ndi abwenzi anu ndi abwenzi kungofuna kuti mudziwe zambiri. .
Werengani pamwamba pa FDCPA ngati mukukhulupirira kuti wokhometsa ngongole wataya malamulo. Ngati ndi choncho, lamulo limakupatsani chilango, kuphatikizapo kufotokoza mlandu wotsutsana naye.
Malamulo Otsutsa Lamulo
Lamulo la Federal limalola anthu ndi magulu a anthu kuti azipempha mabungwe osonkhanitsira, koma muyenera kumangomvera m'chaka chimodzi chotsutsa ufulu wanu. Ngati mutapambana, mutha kubwezeretsa mavuto omwe mumakumana nawo komanso kuphatikizapo ndalama zokwana madola 1,000 omwe amatchedwa "malamulo".
Mphoto yanu ingaphatikizepo kubwezeretsa ndalama za bwalo lamilandu ndi malipiro onse omwe mukuyenera kulipira kuti mupereke chigamulocho.
Mu sukulu yachithunzi chotsatira chotsogozedwa ndi gulu la anthu, gululo likhoza kulandira peresenti imodzi ya bungwe la msonkhanowo liyenera kapena $ 500,000, ngakhale zili zochepa.
Zingakhale zovuta kutsimikizira kuti ufulu wanu unaphwanyidwa, ndipo mtolo wa umboni udzakhala pa inu. Sungani zolemba zambiri za masiku ndi nthawi yomwe wokhotetsa wakuitanani. Lembani dzina lake ndi kulemba nambala ya foni ngati muli ndi ID ya Oitana. Lembani zomwe munanenapo. Zambirizi ndizofunikira kwambiri kuti zitsimikizire kuti ndizochitiridwa nkhanza m'khothi.
Zimene Tiyenera Kuyembekezera Kuchokera Ngongole
Osonkhanitsa ngongole sawopa kwambiri kuimbidwa mlandu chifukwa cha malire omwe aperekedwa pa zomwe mungalowemo. A bungwe losonkhanitsa ndalama sangathe ngakhale kuopsa kwake, podziwa kuti muli ndi ngongole ndipo mukukhulupirira kuti simungathe kupereka ngongole kuti ikuimire kukhoti.
Nthawi zonse ndibwino kuti munthu wokhometsa ngongole adziwe kuti ukudziwa ufulu wako wonse, komabe kuphatikizapo ufulu woweruza. Ngati mwafufuza kafukufuku, munganene kuti akuphwanya malamulo ake ndipo mwinamwake mutsegule zowonjezera zokambirana zothetsera vutoli.
Zosankha Zina
Lankhulani ndi woweruza mlandu ngati simungathe kuthetsa mavuto anu ndi wokhometsa ngongole ndipo akupitiriza kukuvutitsani, kapena ngati ntchito zake zakuchititsani kukuvulazani. Angakhale wokonzeka kuti akuyimireni payekha, kutanthauza kuti amalipidwa ngati mutapambana - mumamupatsa chiwerengero cha zomwe mwapeza.
Popanda kutero, ganizirani kufotokoza mlandu wanu ku khoti laling'ono m'malo mwa bwalo lamilandu, komwe malamulowo amakhala omasuka kwambiri kotero kuti simungasowe woweruza mlandu. Pali malire a ndalama zomwe mungapemphe ku khoti laling'ono, koma. Mwinamwake mwakhala mukuvutika ndi madola 5,000 mu zowonongeka koma ngati dziko lanu likulandira ndalama zomwe mungathe kumupempha pa $ 4,000, mumangopempha ndalamazo.
Mukhozanso kupereka lipoti kwa wogulitsa ngongole ku Federal Trade Commission.
FTC idzagwira ntchito ndi inu ndi osonkhanitsa ngongole kuyesa kuthetsa vuto lanu. Kuonjezera apo, mukhoza kulongosola ngongoleyo kwa wokhometsa ngongole kwa woweruza wamkulu wa boma.