Kwenzekani uma bengimangalela futhi ngingenayo indlela yokukhokha? Lapho isikweletu sesidlulile izinyanga, umbolekisi wakho angabela noma athengise isikweletu kunhlangano evela eceleni eqoqa izikweletu, ezozama ukusilanda. Ezimweni ezimbi kakhulu zokungakhokhi, ungamangalelwa ngumqoqi wesikweletu.
Uma udidekile mayelana necala futhi ungaqiniseki ukuthi uzophendula kanjani, sicela ulandele imihlahlandlela echazwe ngezansi. Noma ngabe icala lisemthethweni noma lingumkhonyovu, ngezansi kukhona konke odinga ukukwazi uma ubekwa icala ngumqoqi wesikweletu.
Okufanele ukwenze lapho umqokeleli wesikweletu ekumangalela
Hlola umugqa wesikhathi wemicimbi
Uma umqokeleli wesikweletu ekumangalela, udinga ukuqonda ukuthi inqubo yonke ibukeka kanjani, yize umugqa wesikhathi oqondile uyehluka kuye ngomuntu nomuntu. Uma ulwazi lwakho lungafani nhlobo nalokho okuboniswe ngezansi, kuzodingeka uqinisekise isikweletu nobunyoninco bomqokeleli ukuze ugweme umkhonyovu wokuqoqwa kwezikweletu.
- Uzothola ucingo noma incwadi ngeposi evela kumqokeleli ekwazisa ngokuqoqwa kwezikweletu. Lokhu kwenzeka kakhulu lapho isikweletu sinezinsuku eziyi-180 esidlule ngenxa.
- Ezinsukwini ezinhlanu zokuxhumana nawe, umqokeleli wesikweletu kufanele akuthumele incwadi yokuqinisekisa isikweletu ukuthi Yisho ukuthi ukweleta malini, igama lomuntu obolekayo, nokuthi ungaphikisana kanjani nesikweletu uma ucabanga ukuthi akusona esakho.
- Uma ucabanga ukuthi awunaso isikweletu okukhulunywa ngaso, ungabuza umqokeleli incwadi yokuqinisekisa. Kufanele bathumele le ncwadi kungakapheli izinsuku ezingama-30 zesaziso sokuqinisekisa.
- Uma isikweletu sakho sisemthethweni, kufanele uphendule kumqoqi wesikweletu bese wenza uhlelo lokukhokha isikweletu. Lokhu kungasho ukukhokha ngokugcwele, ukusetha uhlelo lokukhokha, noma ukuxoxisana ngesikweletu.
- Uma ungakhokhi noma ungakhokhi isikweletu, umqokeleli wesikweletu angakumangalela. Kuleli qophelo, uzothola isaziso esivela enkantolo mayelana nosuku lwakho lokuvela.
- Uma ungafiki ngosuku lwakho lwenkantolo, inkantolo kungenzeka ithathe isinqumo esivuna oqoqa izikweletu.
- Uma lokhu kwenzeka, kuzofakwa isinqumo noma isinqumo senkantolo esimelene nawe. Lokhu kusho ukuthi ingahlobisa umholo wakho noma ibeke amanga ngendawo yakho. Isahlulelo esinqunyelwe kusengaphambili sivela ezinsukwini ezingama-20 ngemuva kokusebenza kwecala.
Phendula
Uma uqinisekisile ukuba semthethweni kwesikweletu emaqoqweni, into ebaluleke kakhulu ongayenza manje ukuphendula enkantolo yokuqoqwa kwezikweletu. Yize kungasabeka ukwaziswa ngecala, ukungalinaki futhi unethemba lokuthi umqokeleli wesikweletu ngeke abuye angakubuyisela enkingeni.
Abaqoqi bezikweletu ngeke bashiye icala ngoba nje uliziba. Esikhundleni salokho, uma uphuthelwa yisikhathi esinqunyelwe ukuvela enkantolo, kuzoba nzima kakhulu ukuthi ummeli wezokuvikela ukuqoqwa kwezikweletu akusize.
Inselele isidingo
Uma umangalelwa ngesikweletu futhi ungavumelani nalo lonke noma ingxenye yolwazi olusenkantolo yokuqoqwa kwezikweletu, kuzodingeka ufake impendulo enkantolo. Ngemuva kwalokho uzoba nethuba lokuphonsela inselelo okukulo icala noma ucele inkantolo ikuchithe ngokuphelele. Uma uphikisana nesimangalo, letha imibhalo efana nencwadi yokuqinisekisa ukukhombisa:
- Ngubani okweletwayo
- Uma isikweletu sesikhokhiwe
- Uma inani lesikweletu linembile
- Uma isikweletu sidlulise isimemezelo semikhawulo
Letha ubufakazi bemithetho yokuqoqa ephuliwe (uma ikhona)
Uma amalungelo akho ephulwe ngumqoqi wesikweletu, kufanele ulethe ubufakazi balokho enkantolo. Bheka i-Fair Debt Collection Practices Act ( FDCPA ), i-Fair Credit Reporting Act kanye ne-Truthfulness Act kwizimalimboleko okwephula umthetho okuthile. Ngaphansi kwe-FDCPA, isibonelo, abaqoqi bezikweletu abakwazi:
- Xhumana nawe ngaphandle kwamahora we-8 ekuseni. nango-9 ebusuku.
- Ukuhlanganyela ekuhlukumezeni, okungahlanganisa noma yini kusuka ekusetshenzisweni kwenhlamba kuya ezinsongweni zokulimala.
- Bamba iqhaza emikhubeni engalungile njengokusongela ukuthatha impahla yakho uma bengenalo ilungelo elisemthethweni noma ukufaka isheke ngemuva kosuku olulindelekile.
- Xhumana nawe uma usuvele umelwe ummeli.
- Yenza izimangalo zomgunyathi, njengokumelela kabi ukuthi bangobani noma ukweleta malini.
Thatha isinqumo sokuthi uyasamukela yini isigwebo
Kunezindlela eziningana zokuqhubeka uma sekufika isikhathi sokuthatha isinqumo sokuthi uyalamukela noma ungalamukeli icala lokuqoqwa kwezikweletu.
Ukuqasha ummeli
Uma wamukele isahlulelo futhi uzibuza ukuthi ungalinqoba kanjani icala lokuqoqwa kwezikweletu, inketho yakho engcono kakhulu ukuxhumana nommeli oqoqa izikweletu. Iningi labameli bezomthetho wabathengi lizonikeza ukubonisana kwamahhala ukuxoxa ngezinketho zakho nawe.
Cabanga ukuxhumana nommeli onelayisense wokuqoqwa kwezikweletu, njengoba bekhethekile ekuvikeleni izikweletu futhi kungenzeka bakwazi ukukunikeza izeluleko ezinemininingwane eminingi yezomthetho.
Noma ungacabangi ukuthi ungakwazi ukukhokhela ummeli, kufanele ubuze, ngoba abameli abaningi bokuqoqwa kwezikweletu bazothatha icala lakho ngemali ephansi noma imali ekhonjiwe.
Khokha isikweletu
Umuntu onesikweletu sakhe esisemthethweni angazama ukuxoxisana ngesikweletu ukuze kuchithwe icala.
Kuyindlela enhle kubathengi uma bazi ukuthi banezikweletu, bavumelana ngenani, futhi bangakwazi ukuthenga okuthile, kusho uBarry Coleman, iphini likamongameli wezinhlelo zokweluleka nezemfundo eNational Foundation for Credit Counselling (NFCC). Babengazinza bangayi enkantolo.
UColeman wengeze ngokuthi kukhona nezikhuthazi ze-ejensi yokuqoqa ukwenza lokhu, ngoba ubunzima nezindleko zamacala asenkantolo kuyabiza kubo.
Ukusongela ukuqothuka nakho kungasiza uma uthatha isinqumo sokuxazulula inkinga. Lokhu akusho ukuthi kufanele ufake ifayili lokuqothuka, kepha ukufaneleka kokuqothuka kungasiza ngezingxoxo zokukhokha.
Ukuthola ukuthi ukhululiwe yini
Ngokuya ngombuso nemali oyikweletayo, abantu abanemiholo nezimpahla ezinqunyelwe bangakhululwa ekuhlobisweni kweholo, okusho ukuthi bangubufakazi besahlulelo. Thintana nomeluleki wesikweletu, ummeli, noma omunye uchwepheshe endaweni yangakini ukuthola ukuthi uyahlangabezana yini nalezi zindlela.
Ifayela lokuqothuka
Enye indlela, ngokuya ngesimo sakho sezezimali kanye nosayizi wesikweletu sakho, ukufaka isicelo sokuqothuka.
Uma ufaka iSahluko 7 sokuqothuka, zonke izikweletu zakho zizoxolelwa futhi umqoqi wesikweletu ngeke akwazi ukuqoqa kuwe. Uma ufaka isicelo seSahluko 13 sokuqothuka, ungakwazi ukuxoxisana ngemali ephansi kakhulu ukukhokha umqokeleli wesikweletu, kuye ngesimo sakho. Uma usukhokhe imali okuvunyelwene ngayo, awusakwazi ukulandela noma ukumangalelwa ngumqoqi wesikweletu.
Ukugcwalisa ukuqothuka isinyathelo esikhulu sezimali esinemiphumela elimazayo. Khuluma nomeluleki, umeluleki wezezimali, noma omunye uchwepheshe ofanelekayo ngaphambi kokulandela le nketho.
Ukuzikhulula:
Le yindatshana yolwazi. IRedargentina ayinikezi izeluleko zomthetho noma zomthetho, futhi akuhloselwe ukuthi ithathwe njengeseluleko sezomthetho.
Umbukeli / umsebenzisi waleli khasi lewebhu kufanele asebenzise imininingwane engenhla kuphela njengomhlahlandlela, futhi kufanele ngaso sonke isikhathi axhumane nemithombo engenhla noma abamele uhulumeni abasebenzisayo ukuthola imininingwane esesikhathini ngaleso sikhathi, ngaphambi kokwenza isinqumo.
Okuqukethwe
- Okufanele ukwenze lapho umqokeleli wesikweletu ekumangalela
- Hlola umugqa wesikhathi wemicimbi
- Phendula
- Inselele isidingo
- Letha ubufakazi bemithetho yokuqoqa ephuliwe (uma ikhona)
- Thatha isinqumo sokuthi uyasamukela yini isigwebo
- Ukuqasha ummeli
- Khokha isikweletu
- Ukuthola ukuthi ukhululiwe yini
- Ifayela lokuqothuka
- Uyikhokha kanjani i-Quick Credit card
- Amagama Wokugqugquzela angashintsha impilo yakho
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