Kodi chimachitika ndi chiyani ngati andimanga mlandu ndipo ndilibe ndalama? Ngongole ikadutsa miyezi ingapo, wobwereketsa wanu atha kugawa kapena kugulitsa ngongoleyo kwa wachitatu omwe angatolere ngongole, yomwe iyesere kutolera. Zikakhala kuti simukulipilira, mutha kumangidwa ndi osonkhanitsa ngongole.
Ngati mwasokonekera pamilandu ndipo simukudziwa momwe mungayankhire, tsatirani malangizo omwe afotokozedwa pansipa. Kaya milanduyi ndi yovomerezeka kapena yachinyengo, pansipa pali zonse zomwe muyenera kudziwa ngati mukumangidwa ndi wokhometsa ngongole.
Zomwe muyenera kuchita pamene wokhometsa ngongole akukutsutsani
Onani nthawi yake
Ngati wokhometsa ngongole akukutsutsani, muyenera kumvetsetsa momwe ntchito yonse ikuwonekera, ngakhale nthawi yake imasiyanasiyana malinga ndi munthu. Ngati zokumana nazo sizikugwirizana konse ndi zomwe zikuwonetsedwa pansipa, muyenera kuwonetsa ngongole ndi kuvomerezeka kwa wokhometsa kuti apewe chinyengo cha kusonkhetsa ngongole.
- Mukalandira foni kapena kalata mumakalata kuchokera kwa wokhometsa kukudziwitsani za kusonkhanitsa ngongole. Izi zimachitika nthawi zambiri ngongole ikafika masiku 180 zapitazo.
- Pasanathe masiku asanu ndikulumikizanani nanu, amene amatenga ngongoleyo akuyenera kukutumizirani kalata yotsimikizira kuti mwakhoma ngongole Fotokozani kuchuluka kwa ngongole yomwe muli nayo, dzina la wobwereketsa, ndi momwe mungatsutsane ndi ngongole ngati mukuganiza kuti siyanu.
- Ngati mukuganiza kuti mulibe ngongole yomwe mukufunsayo, mutha kufunsa wokhometsa kuti akhale ndi kalata yotsimikizira. Ayenera kutumiza kalatayo pasanathe masiku 30 kuchokera pomwe chidziwitso chatsimikizika.
- Ngati ngongole yanu ndi yolondola, muyenera kuyankha kwa amene amatenga ngongoleyo ndikupanga pulani yolipira ngongoleyo. Izi zitha kutanthauza kulipira kwathunthu, kukhazikitsa dongosolo lobwezera, kapena kukambirana za ngongoleyo.
- Ngati simulipira kapena kuthetsa ngongoleyo, wokhometsa ngongoleyo akhoza kukusumirani. Pakadali pano, mulandila zindikirani kuchokera ku khothi zokhudzana ndi tsiku loti muwoneke.
- Ngati simukufikako patsiku lanu lamilandu, khothi litenga chigamulo chokomera omwe amatenga ngongole.
- Izi zikachitika, chigamulo kapena khothi liperekedwe motsutsana nanu. Izi zikutanthauza kuti ikhoza kukongoletsa malipiro anu kapena kuyika chinyengo chokhudza katundu wanu. Chiweruzo chokonzedweratu nthawi zambiri chimachitika pakatha masiku 20 kuchokera pomwe mlandu waperekedwa.
Yankho
Ngati mwatsimikizira kuvomerezeka kwa ngongole pamisonkho, chinthu chofunikira kwambiri chomwe mungachite pakadali pano ndikuyankha pamlandu wopeza ngongole. Ngakhale zitha kukhala zowopsa kudziwitsidwa za mlandu, kuzinyalanyaza ndikuyembekeza kuti wokhometsa ngongoleyo sangabwererenso kumatha kubweretsa mavuto.
Osonkhanitsa ngongole sadzasiya mlandu chifukwa choti simukuwunyalanyaza. M'malo mwake, ngati mwaphonya masiku omalizira oti mukawonekere kukhothi, zidzakhala zovuta kwambiri kuti loya woti atolere ngongole kuti akuthandizeni.
Kuthetsa kufunikira
Ngati mukumuneneza ngongole ndipo simukugwirizana ndi zonse kapena zina mwazomwe zili pamilandu yosungitsa ngongole, muyenera kuyankha pamlanduwu kukhothi. Mukatero mudzakhala ndi mwayi wotsutsa zomwe zili m'khothi kapena kupempha khothi kuti lichotse kaye mlanduwu. Ngati mukutsutsana ndi pempholi, tengani zolemba monga kalata yotsimikizira kuti muwonetse:
- Wobwereketsa ndani
- Ngati ngongole yalipiridwa
- Ngati kuchuluka kwa ngongole ndikowona
- Ngati ngongole yadutsa lamulo la zoperewera
Bweretsani umboni wamalamulo osonkhanitsidwa omwe aphwanyidwa (ngati zingatheke)
Ngati ufulu wanu waphwanyidwa ndi wokhometsa ngongole, muyenera kubweretsa umboni kukhothi. Onani Chilamulo cha Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ndi Truthness Act pa ngongole pazolakwa zina. Pansi pa FDCPA, mwachitsanzo, otenga ngongole sangathe:
- Lumikizanani nanu kunja kwa maola a 8 m'mawa ndi 9 koloko masana.
- Kuchita zankhanza, zomwe zitha kuphatikizira chilichonse kuyambira kutukwana mpaka kuwopseza kuti zingachitike.
- Chitani nawo zinthu zopanda chilungamo monga kuwopseza kuti mutenge katundu wanu pomwe alibe ufulu walamulo kapena kusungitsa cheke tsiku lomwe akuyembekezeredwa.
- Lumikizanani nanu mukayimilidwa kale ndi loya.
- Lankhulani zachinyengo, monga kunamizira kuti ndi ndani kapena kuchuluka kwa ngongole yomwe muli nayo.
Sankhani ngati mungavomereze chiweruzocho
Pali njira zingapo zopitilira ikafika nthawi yoti muvomereze kapena musavomereze mlandu wakusonkhanitsa ngongole.
Kulemba ntchito loya
Ngati mwalandira chigamulo ndipo mukuganiza kuti mungamupeze bwanji mlandu wosonkhetsa ngongole, njira yanu yabwino ndiyokumana ndi loya wamsonkho. Maloya ambiri ogula zamalamulo amakupatsani upangiri waulere kuti akambirane zomwe mungasankhe.
Ganizirani zokambirana ndi loya yemwe ali ndi chilolezo chopeza ngongole, popeza amakhazikika pankhani yoteteza ngongole ndipo atha kukuthandizani kuti mumve zambiri zamalamulo.
Ngakhale simukuganiza kuti mutha kulembetsa loya, muyenera kufunsa, popeza maloya ambiri amatenga mlandu wanu pamtengo wotsika kapena wolipirira.
Lipirani ngongoleyo
Wina yemwe ngongole yake ndi yovomerezeka akhoza kuyesa kukambirana kuti athe kubweza ngongoleyo.
Ndi njira yabwino kwa ogula ngati akudziwa kuti ali ndi ngongole, angavomereze kuchuluka kwake, ndipo atha kukwanitsa chilichonse, atero a Barry Coleman, wachiwiri kwa purezidenti wa mapulogalamu aupangiri ndi maphunziro ku National Foundation for Credit Counselling (NFCC). Amatha kukhazikika osapita kukhothi.
Coleman adaonjezeranso kuti palinso zolimbikitsira bungwe losonkhetsa kuti lichite izi, chifukwa kuvutikira komanso kuwonongedwa kwa milandu ku khothi ndiwokwera mtengo kwa iwo.
Kuopseza kuti mufalitsa bankirapuse kungathandizenso ngati mungasankhe kukhazikika. Izi sizitanthauza kuti muyenera kulembetsa bankirapuse, koma kuyenererana ndi bankirapuse kumatha kuthandizira kukambirana.
Kupeza ngati simuli okhululukidwa
Kutengera boma ndi kuchuluka kwa ngongole yomwe muli nayo, anthu omwe ali ndi malipiro ochepa ndi katundu atha kukhala osapatsidwa mphotho, zomwe zikutanthauza kuti ndiumboni woweruza. Funsani mlangizi wa ngongole, loya, kapena katswiri aliyense mdera lanu kuti muwone ngati mukukwaniritsa izi.
Fayilo ya bankirapuse
Njira ina, kutengera momwe mulili pachuma komanso kukula kwa ngongole yanu, ndikupeleka bankirapuse.
Ngati mungasungire bankirapuse ya Chaputala 7, ngongole zanu zonse zidzakhululukidwa ndipo wokhometsa ngongoleyo sangatenge kuchokera kwa inu. Ngati mungasungire bankirapuse Chaputala 13, mutha kukambirana za ndalama zochepa kwambiri kuti mulipire omwe akutenga ngongole, kutengera momwe zinthu ziliri. Mukalipira ndalama zomwe munagwirizana, simungathenso kutsatira kapena kusumidwa ndi amene amatenga ngongole.
Kulemba za bankirapuse ndi njira yayikulu yosinthira ndalama yomwe ili ndi zotsatirapo zowononga. Lankhulani ndi phungu, mlangizi wa zachuma, kapena akatswiri ena oyenerera musanachite izi.
Chodzikanira:
Iyi ndi nkhani yodziwitsa. Redargentina sapereka upangiri walamulo kapena walamulo, komanso sanapangidwe kuti azitengedwa ngati upangiri wazamalamulo.
Wowonera / wogwiritsa ntchito tsambali akuyenera kugwiritsa ntchito zomwe zili pamwambazi pokhapokha ngati chitsogozo, ndipo ayenera kulumikizana ndi omwe ali pamwambapa kapena oimira boma la wogwiritsa ntchitoyo kuti adziwe zambiri zamasiku amenewo asanapange chisankho.
Zamkatimu
- Zomwe muyenera kuchita pamene wokhometsa ngongole akukutsutsani
- Onani nthawi yake
- Yankho
- Kuthetsa kufunikira
- Bweretsani umboni wamalamulo osonkhanitsidwa omwe aphwanyidwa (ngati zingatheke)
- Sankhani ngati mungavomereze chiweruzocho
- Kulemba ntchito loya
- Lipirani ngongoleyo
- Kupeza ngati simuli okhululukidwa
- Fayilo ya bankirapuse
- Momwe mungalipire Khadi la Ngongole Mwachangu
- Mawu Olimbikitsa omwe angasinthe moyo wanu
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