UGwendolyn Frazier nomyeni wakhe basebenza kanzima ukuphila kwabo konke futhi bakhokha indlu yabo e-Elyria. Umyeni wakhe wathatha imali ebolekiwe yokuhlanganisa ne-OneMain Financial, kodwa bakhokha izikweletu zabo.
Umyeni wakhe washona ngo-2013. Ngemva kwalokho, lapho i-imeyili ithunyelwa kuye, wayibhala ngokuthi “ushonile” wabe eseyibuyisela emuva - kuhlanganise ne-imeyili evela kuye.
I-CitiFinancial. Wayengenamsebenzi neCitiFinancial futhi ecabanga ukuthi ama- junk mail. Wayengazi ukuthi i-OneMain ixhunywe kuyo
CitiFinancial, kuze kube
ibhange lithumele incwadi eqinisekisiwe enamaphepha okudliwa kwempahla.
“Kwakuwumthwalo onzima,” uyakhumbula. “Angiyena umuntu ohlezi engakhokhi. ”
Wafona futhi wafona futhi kwadlula izinyanga, kodwa wangaluthola ulwazi lokuthi uzoyikhokha kanjani imali ebolekiwe. Umuzi wadliwa ngo-2014 kwathi uma kuqulwa icala ngocingo, imantshi yamtshela ukuthi “uphelelwe inhlanhla” ngoba igama lakhe alidalulwanga emalini ebolekiwe.
UNksz Frazier wacela usizo kwaLegal Aid. Ummeli wevolontiya u-Kathleen Amerkhanian we-Kryszak & Associates uvumile ukuthatha leli cala njenge-pro bono. Ummeli Wosizo Lwezomthetho uMarley Eiger uqeqeshe ivolontiya lase-Amerkhanian emithethweni emisha ye-Consumer Finance Protection Bureau (CFPB) edinga ukuthi ibhange lingagcini nje ngokwamukela izinkokhelo ezivela “kulowo olandela inzalo” kodwa futhi linikeze ulwazi olumayelana nokuqagela kanye nezinketho zokulungisa imali ebolekiwe. .
“UNksz. UFrazier ubedinga ummeli ozobeka leli cala njengodaba olusemthethweni futhi anikeze isisekelo sokuthi kungani kufanele babheke ukuncishiswa kokulahlekelwa,” kusho uNksz Amerkhanian. "Ngokuyicubungula ngendlela efanele, inkantolo ikubonile." UNksz Amerkhanian uthole icala ngaphandle kokudliwa. Ekulamuleni, uveze ukuthi ibhange belingahambisani nemithetho ye-CFPB yenhlangano. Wasiza uNkz. Frazier ukuhlanganisa wonke amaphepha adingekayo - kwaze kwaba yilapho ibhange linikeza uhlelo oluthengekayo.
Ngenxa yommeli wakhe oyivolontiya, ukudliwa kwempahla kwachithwa ekuqaleni kuka-2016.
“Ikhono lokwenza umthelela kumuntu odinga usizo lwakho lizuzisa kakhulu,” kusho uNksz Amerkhanian. Uma uthatha icala kwaLegal Aid, kuningi ukwesekwa. UMarley Eiger unikeze ulwazi oluningi futhi wamboleka ubuchwepheshe, futhi lokho kwaba wusizo olukhulu. ”
"Umabolekisi ubengazi ngomthetho, engenandaba nobunzima obuphoqa umnikazi womuzi futhi wazama ukumcekela phansi," kusho ummeli weLegal Aid uMarley Eiger. “Ayikho neyodwa into kuleli cala eyayilula noma iyinjwayelo, kodwa uKathleen wayephikelela kakhulu.”
Ngenxa ye-Legal Aid, ikhaya likaNkz. Frazier liphephile futhi angajabulela izinto azithandayo zokupheka nokuvolontiya esontweni lakhe. Futhi, okubaluleke kakhulu - angakwazi ukunakekela umndeni wakhe ekhaya lakhe ngaphandle kokukhathazeka.
Umsebenzi we-Legal Aid wokuqinisekisa indawo yokukhosela e-Lorain County isekelwa i-Nord Family Foundation kanye Nomphakathi.
Isisekelo seLorain County.