UGwendolyn Frazier nomyeni wakhe basebenza nzima ubomi babo bonke baza bahlawula imali-mboleko yendlu yabo e-Elyria. Umyeni wakhe wathatha imali-mboleko yokudibanisa ne-OneMain Financial, kodwa bawahlawula amatyala abo.
Umyeni wakhe wasweleka ngo-2013. Emva koko, xa iimeyile isiza kuye, wayiphawula “ufile” wayithumela kwakhona – kuquka neimeyile evela kuye.
CitiFinancial. Wayengenashishini neCitiFinancial kwaye wayecinga ukuba yimbalelwano yeposi. Wayengazi ukuba i-OneMain iqhagamshelwe kuyo
CitiFinancial, de
ibhanki yathumela ileta eqinisekisiweyo enamaphepha okuvalwa.
Ukhumbula oku: “Kwakuluxanduva. “Andingomntu uhlala engenzi ntlawulo zam. ”
Wafowuna wafowuna wafowuna kangangeenyanga, kodwa akazange akwazi ukufumana naluphi na ulwazi malunga nendlela yokuhlawula imali-mboleko. Eli khaya lathinjwa ngo-2014 kwaye kwityala lomnxeba, umantyi wamxelela ukuba "uphelelwe lithamsanqa" kuba akazange achazwe kwimali-mboleko.
UNksz Frazier wacela uncedo kuNcedo lwezoMthetho. Igqwetha lamavolontiya uKathleen Amerkhanian waseKryszak & Associates wavuma ukuthatha ityala pro bono. Legal Aid igqwetha Marley Eiger waqeqesha ivolontiya Amerkhanian entsha Consumer Finance Protection Bureau (CFPB) imithetho efuna ukuba ibhanki hayi nje ukwamkela iintlawulo ukusuka "umlandeli-in-nzala" kodwa ukunika ulwazi malunga nokucingela kunye iinketho ukuguqulwa kwimali-mboleko. .
"Nksk. UFrazier wayefuna igqwetha ukuba abeke ityala njengomcimbi wezomthetho kwaye anike isiseko sokuba kutheni kufuneka bajonge ukunciphisa ilahleko, "kusho uNksz Amerkhanian. "Ngokuyiphatha ngendlela eyiyo, inkundla iye yaqaphela." UNksz Amerkhanian wafumana ityala ngaphandle kokuvalwa. Ngolamlo, wabonisa ukuba ibhanki yayingahambelani nemigaqo ye-CFPB yomanyano. Wanceda uNksz. Frazier ukuba aqulunqe onke amaxwebhu afunekayo – de ekugqibeleni ibhanki inike isicwangciso esifikelelekayo.
Ngombulelo kwigqwetha lakhe elivolontiya, ukuvalwa kwachithwa ekuqaleni kuka-2016.
UNksz Amerkhanian uthi: “Ukukwazi ukwenza impembelelo kumntu olufuna ngamandla uncedo lwakho kunomvuzo. Xa uthatha ityala kuNcedo lwezoMthetho, kukho inkxaso eninzi. UMarley Eiger unike ulwazi oluninzi kwaye wamboleka ubuchule bakhe, kwaye oko bekuxabiseke kakhulu. ”
“Umbolekisi wayengawuqondi umthetho, engakhathali kubugxwayiba obunyanzelisa umninimzi kwaye wazama ukumosha,” utsho igqwetha leLegal Aid uMarley Eiger. Akukho nanye into malunga neli tyala eyayilula okanye yesiqhelo, kodwa uKathleen wazingisa kakhulu.
Enkosi kuNcedo lwezoMthetho, ikhaya likaNks. Frazier likhuselekile kwaye ungonwabela imisetyenzana yakhe yokupheka kunye nokuba livolontiya ecaweni yakhe. Kwaye, okona kubaluleke kakhulu - unokukhathalela usapho lwakhe ekhayeni lakhe ngaphandle kokukhathazeka.
Umsebenzi woNcedo lwezoMthetho ukuqinisekisa indawo yokuhlala eLorain County ixhaswa yiNord Family Foundation kunye noLuntu.
Isiseko seLorain County.