Gwendolyn Frazier nomurume wake vakashanda nesimba upenyu hwavo hwose ndokubhadhara chibatiso chemba pamusha wavo weElyria. Murume wake akatora chikwereti chekubatanidza neOneMain Financial, asi vakabhadhara mabhiri avo.
Murume wake akashaya muna 2013. Mushure mezvo, tsamba padzakauya kwaari, akainyora kuti "akafa" ndokuitumira zvakare - kusanganisira tsamba kubva.
CitiFinancial. Akanga asina basa neCitiFinancial uye aifunga kuti yaiva tsamba dzisina basa. Aisaziva kuti OneMain yakabatana nayo
CitiFinancial, kusvika iyo
bhangi rakatumira tsamba yakasimbiswa nemapepa ekuvharirwa.
“Wakanga uri mutoro wakadaro,” anoyeuka kudaro. “Ini handisi munhu anongogara pasi asingabhadhare. ”
Akafona ndokufona kwemwedzi yakawanda, asi haana kuwana ruzivo rwekubhadhara chikwereti. Imba iyi yakatorwa nechisimba muna 2014 uye mukutongwa kwenhare, mejasitiriti akamuudza kuti "apererwa" nekuti haana kudomwa nezita pachikwereti.
Amai Frazier vakatsvaga rubatsiro kubva kuLegal Aid. Gweta rinozvipira Kathleen Amerkhanian weKryszak & Associates akabvuma kutora nyaya iyi pro bono. Gweta reLegal Aid Marley Eiger akadzidzisa anozvipira Amerkhanian pamitemo mitsva yeConsumer Finance Protection Bureau (CFPB) inoda kuti bhangi risangogamuchira mubhadharo kubva kune "anotsiva-mu-interest" asiwo kupa ruzivo nezve fungidziro uye sarudzo dzekugadzirisa kune chikwereti. .
“Ms. Frazier aida gweta kuti agadzirise nyaya yacho senyaya yepamutemo uye ape hwaro hwekuti nei vachifanira kutarisa kuderedza kurasikirwa,” anodaro Ms. Amerkhanian. "Nekuibata nenzira kwayo, dare rakacherechedza." Amai Amerkhanian vakawana nyaya kubva mukuvharirwa. Mukuyananisa, akataura kuti bhangi rakanga risiri kutevedzera mitemo yeCFPB yemubatanidzwa. Vakabatsira Amai Frazier kunyora magwaro ose aidiwa - kusvikira pakupedzisira bhanga ravapa hurongwa hwaikwanisika.
Kutenda kugweta rake rekuzvipira, kuvharirwa kwakabviswa kutanga kwa2016.
“Kukwanisa kuita kuti munhu ade chaizvo kubatsirwa newe kunobatsira zvikuru,” vanodaro Mai Amerkhanian. Paunotora nyaya kubva kuLegal Aid, pane rutsigiro rwakawanda. Marley Eiger akapa ruzivo rwakawanda uye akamupa hunyanzvi, uye izvo zvaive zvakakosha. "
"Mukweretesi akanga asingazivi mutemo, asina hanya nekuomerwa kwemuridzi wemba uye akaedza kumukanganisa," anodaro gweta reLegal Aid Marley Eiger. "Hapana chinhu chimwe chete nezvenyaya iyi chaive nyore kana muitiro, asi Kathleen aishingirira."
Kutenda kuLegal Aid, kumba kwaMai Frazier hakuna njodzi uye vanogona kunakidzwa nemabasa avo ekubika nekuzvipira kuchechi yavo. Uye, zvinonyanya kukosha - anogona kutarisira mhuri yake mumba make pasina kunetseka.
Basa reLegal Aid kuona pekugara muLorain County rinotsigirwa neNord Family Foundation neNharaunda.
Nheyo yeLorain County.