Zomwe Muyenera Kudziwa Zokhudza Ngongole Yambiri ndi Kusokonekera

Ndi Tonya Sams

Ogula ambiri amadziwa kuti kubweza ngongole ndi kubweza ngongole kungakhudze chuma chawo koma samamvetsetsa. Ngongole imatha kudziwa ngati wina atha kubwereketsa komanso ngati chiwongola dzanja chake chidzakhala chotsika kapena chokwera kwambiri. Pali zinthu zomwe ogula ayenera kudziwa kuti chuma chawo chisasunthike.

Mbali imodzi yomwe imayambitsa chisokonezo kwa ogula ndi momwe angatsutse kusiyana kwa lipoti lawo la ngongole.

"Mutha kulemba kalata ku mabungwe atatu a ngongole - Equifax, Experian ndi TransUnion- yomwe ili ndi zolemba zosonyeza maofesiwa kuti malipoti awo ndi olakwika," atero a Matt Alden, Woyimira wamkulu mu Economic Justice Group ku The Legal Aid Society of Cleveland. "Oyang'anira ngongole amakhala ndi masiku 30 kuti afufuze zomwe zafunsidwa ndikulemba yankho kwa ogula kuti achotsa, kusunga, kapena kusintha cholakwika pa lipotilo. Ngati mabungwe obwereketsa ngongole sangasinthe zidziwitso zolakwika, wogula atha kubwereka loya ndikuyankha ku maofesiwa malinga ndi Fair Credit Reporting Act. ”

Kukoka kwangongole kungakhudzenso ngongole yanu. Kukoka kolimba kumapangidwa mukafuna kubwereka ndalama kwa wobwereketsa ngongole zagalimoto ndi nyumba kapena pofunsira makhadi atsopano. Kukoka kolimba kwambiri kungathe kuchepetsa ngongole yanu. Kukoka kofewa kumapangidwa kampani ikakoka ngongole yanu kuti itsimikizire dzina lanu, adilesi, mbiri yantchito, mbiri yolipira, ngati mudasungitsa ndalama ndi zina zambiri. Zokoka zina zofewa zimapangidwa popanda chilolezo cha wogula. Chitsanzo cha izi ndi pamene mulandira makalata kuchokera ku inshuwalansi ya galimoto ndi nyumba, makadi a ngongole ndi makampani a ngongole. Makampani awa akukokerani kale ngongole yanu kuti muwone kuti mukuyenerera kulandira zomwe akupereka. Kukoka kofewa sikumakhudza ngongole yanu.

Mbali ina yomwe ogula akulimbana nayo ndi kugwa ndalama.

"Muyenera kubweza ngongole ngati malipiro anu atsala pang'ono kukongoletsedwa, mukuyang'anizana ndi kulandidwa kapena kulandidwa, kapena simungathenso kulipira," adatero Matt. "Muyeneranso kufafaniza ngati muli ndi ngongole yopitilira $ 10,000 yomwe simungabweze, mukukumana ndi IRS kapena ngati dipatimenti yamaphunziro ikubwera pambuyo panu pa ngongole za ophunzira."

Nthano imodzi yokhudza bankirapuse ndi yakuti idzawononga ngongole ya munthu kwamuyaya.

"Kuwonongeka sikupha ngongole chifukwa ngongole yanu yatha kale. Kusalipira sikupangitsa kuti zinthu ziipireipire, ”adatero Matt. “Anthu ambiri amapezabe ndalama, ndipo amatha kupeza makhadi odalirika. Makhadi ambiri otetezedwa a ngongole amafunikira $300 pa iwo ndipo ayenera kulipidwa mokwanira. Mutha kugwiritsa ntchito kugula zinthu, gasi, ndi kukonza magalimoto. Atha kukuthandizani kukhazikitsanso ngongole. ”

Ngati muli ndi mafunso achidule okhudza zandalama kuphatikiza ngongole ndi kubweza ngongole, imbani foni ya Legal Aid Economic Justice Info Line pa 216-861-5899. Mukufuna thandizo lina? Legal Aid ikhoza kukuthandizani! Kuti mupemphe thandizo, imbani 888-817-3777, kapena malizitsani kudya pa intaneti 24/7 pa lasclev.org.

Nkhani idasindikizidwa mu Lakewood Observer: Zomwe Muyenera Kudziwa Zokhudza Ngongole Yambiri ndi Kusokonekera