Kabuku ka zilankhulo ziwiri kameneka kakufotokoza njira zomwe mungachitire bwino ndi okhometsa ngongole ndipo kumaphatikizaponso zambiri zokhudza ufulu wanu pansi pa lamulo la Federal Fair Debt Collection Practices Act komanso zomwe mungachite pambuyo poti wokhometsa ngongole wakumana nanu. Kabukuka kakukuuzani zomwe okhometsa ngongole sangathe kuchita, kuphatikizapo kukuvutitsani, kunena zabodza, kapena kukunyengererani kuti muvomereze mafoni awo. Zinanso ndi zilembo zachitsanzo za momwe mungasinthire kulumikizana ndi wokhometsa komanso momwe mungafunse kuti atsimikizire ngongole yanu.