Sara don juru jɔli ACH drains, auto title juru minɛni, ani pion default¶

Ni furakɛli wari min ma labɛn, ni mobili dilancogo, walima baarakɛwaati dɔ dɔgɔyali ye du dɔ bila ka sara don juru ta min bɛ kɛ kɛmɛsarada la 400 ye san o san kɛmɛsarada la (APR), ka mobili tɔgɔla juru sara siɲɛ kelen, walima ka wari caman ta, o jaan bɛ bɔ i ka sara don nata yɛrɛ la. jurudonna minnu bɛ waati kunkurunnin kɔnɔ, olu bɛ o juruw labɛn cogo la walasa juruba kunba min bɛ kɛ siɲɛ kelen, ka fara rollover fees exorbitant kan, o ka i ka jatebɔsɛbɛnw bɛɛ lajɛlen ko Automated Clearing House (ACH) rezo fɛ miniti min na i ka sara bɛ jigin miniti min na, ka dɔrɔmɛ zeru to jatebɔ, dumunifɛnw, walima fɛnw na, ani k’i wajibiya ka juru ta kokura o yɔrɔnin bɛɛ.

Min ka jugu ni o bɛɛ ye, ni jurudonna tɛ se ka tile 30 mobili tɔgɔla juru sara, jurudonna bɛ se ka GPS daminɛ-minɛn dɔ daminɛ yɔrɔjan fɛ walima ka bolifɛn dɔ ci ka taa denbaya ka mobili minɛ, a mago tun bɛ min na walasa ka se baara la, hali ni o mobili nafa ka bon ni juru tɔ ye siɲɛ duuru. Ka boli nin jirisunba in ɲɛ, o bɛ sariya kɔnɔ tiɲɛ jɔnjɔn kelen dɔn: ka sara don jurudonna ka ɛntɛrinɛti sɔrɔli bɔ i ka banki jatebɔsɛbɛn kɔnɔ, o ye sariya ye kɛmɛsarada la banki sariya kɔnɔ, wa i tɛ se ka minɛ walima ka bila kaso la, k’a sababu kɛ i ma se ka siwili ka sara don, i ka wari bila, walima i ka juru min bɛ i tɔgɔla juru la.

Aw bɛ o kɛ sisan¶

1. Ka sara don jurudonna ka ACH debiti yamaruya bɔ sariya siratigɛ la, a dɔgɔyalenba la baarakɛdon 3 ka kɔn sara don ɲɛ: Ameriki ka nafolo cicogo ɛntɛrinɛti kan (Sariyasen E) ani diɲɛ jamanaw ka banki debiti tilennen sariyaw kɔnɔ, i bɛ se ka jurudonna bɛɛ ka yamaruya bɔ i ka banki jatebɔsɛbɛn na, i kɛtɔ ka ACH bɔli kunnafoni sɛbɛn di jurudonna ni i ka banki fila bɛɛ ma.
2. I ka Stop Payment Order sɛbɛn di i ka banki la ani ka debiti karti o karti min bɛ tali kɛ ɲɔgɔn na, i ka o tiɲɛ: Ikomi ɛntɛrinɛti jurudonnaw ​​bɛ to k’u ka jagokɛla ka fatura tɔgɔ Changer walasa ka tɛmɛn jagokɛla kelen ka blokiw kan, i ka Stop Payment sɛbɛn ofisiyali bila jurudonna ka ACH sosiyete ID kan ani k’i ka debiti karti plastiki fɔ "a tununna walima ko a tiɲɛna" walasa banki ka karti nimɔrɔ kura di min ye nimɔrɔ 16 ye.
3. I ka sara bilali tilennen bila banki jatebɔsɛbɛn saniyalen na joona: Ni saradon walima kabila jurudonna dɔ bɛ segin-ka-bɔnye kɛ ka debiti tilalen misɛnnin caman kɛ minnu bɛ dɔrɔmɛ 35 sara i ka banki la sisan, i ka jatebɔsɛbɛn kura da wuli jurudonna jɛkulu walima banki la min ni o tɛ tali kɛ ɲɔgɔn na, ka i ka sarako tilennen ni gɔfɛrɛnaman ka nafaw bila yen sani i ka sara nata ka kɛ.
4. Aw ye sariya ka sarako bolodalen (EPP) ɲini sani aw ka sara don juru ma se ka sara: Ameriki jamana 20 ni kɔ kɔnɔ (ani FCA ka muɲuli sariyaw kɔnɔ Angletɛri ani mara sariyaw kɔnɔ Kanada), maganw ɲɛfɛ jurudonnaw ni saradon jurudonna minnu ka lase bɛ u bolo, sariya siratigɛ la, u ka kan k’aw ka saradon juru min bɛ kɛ siɲɛ kelen na, o caman tigɛli ka kɛ **sara donna juru ye min tɛ sara, tɔnɔ tɛ min na, n’o ye 4 ye, n’i y’a ɲini a dɔgɔyalenba la Lɛrɛ 24 ka kɔn a ka waati latigɛlen ɲɛ.
5. Ka ɲɛsin Auto Title Loans ma, i k’a lajɛ ni juru in bɛ jamana ka APR dantigɛliw walima Military Lending Act tiɲɛ: Ni i ka mobili bɛ bagabaga ka title-loan repossession sɔrɔ, i ka i yɛrɛ ka baarakɛminɛnw, furaw, ani denmisɛnw sigilanw bɛɛ bɔ bagankulu kɔnɔ bi su in na, i ka i jɔ sigiyɔrɔ garazi datugulen kɔnɔ ni sariya bɛ i ka jamana kɔnɔ, ani k’a lajɛ ni jurudonna bɛ baara kɛ cogo bɛnbali la ni jamana ka lase tɛ walima ni a bɛ ** kɛmɛsarada la APR cap** sɔrɔdasi denbayaw ye.
6. Ni Pawn Tickets ka kan ka sara bi, aw bɛ kalo kelen tɔnɔ/marako janya sara sara walasa ka bɔnɛ bali: A tɛ i n’a fɔ sara don juruw, pawn transaction standard ye garanti colateral bailment ye min tɛ se ka kɛ ni kunmabɔli waati tɛmɛna jago dadonni na bi, i ka ciyɛn biyew walima baarakɛminɛnw tɔgɔ bɛ ci kudayi ka di fɛntigi ma fo n’i ye kalo o kalo janya sara sara walima ka kumaɲɔgɔnya kɛ ka sɛbɛn minɛ.

Ka juru kɔrɔtɔlen 3 minnu bɛ waati kunkurunnin kɔnɔ, olu ni i ka sariya suganditaw suma ɲɔgɔn na¶

Sariya suguya wɛrɛw bɛ sara don/yɔrɔ juruw ɲɛminɛ minnu tɛ lakana, bolifɛnw ka titre juruw, ani garantiw ka tikitiw. I ka kan ka wajibi min bila jɔyɔrɔ fɔlɔ la, ani nafolo min ka kan ka lakana fɔlɔ.

flowchart TD
    Crisis["Juru min bɛ kɛ waati kunkurunnin kɔnɔ, o ka kan ka sara Lɛrɛ 72 kɔnɔ"] --> Type{"Loan suguya jumɛn min musaka ka bon?"}
    Type -->|"Sara don walima Intɛrinɛti kan ka juru don"| EPPCheck{"Yala Jamana/Jamana bɛ yamaruya di Free Extended Payment Plan ma wa?"}
    EPPCheck -->|"Ɔwɔ (Amerika jamana 20 ni kɔ / Angletɛri / Kanada)"| DemandEPP["1. Aw ye sariyasen 4-Pay No-Fee Extended Payment Plan (EPP) ɲini sani a sarali waati ka se"]
    EPPCheck -->|"Ayi (Wali Predatory/Tribal Lender bɛ ban)"| RevokeACH["1. Aw bɛ ACH bɔli sɛbɛn Reg E kunnafoni ci jurudonna NI Banki ma (Baara tile 3+ Sani Debiti ka kɛ)"]
    DemandEPP --> RevokeACH
    RevokeACH --> BankShield["2. Aw bɛ Banki ka wari sarali dabila, ka Debiti karti min bɛ tali kɛ ɲɔgɔn na, o tiɲɛ, ani ka wari bilasira tilennen bila ka taa Banki ka jatebɔsɛbɛn saniyalen na"]
    Type -->|"Auto Title Loan (Mobili min bɛ farati la) ."| TitleStep1["1. Aw bɛ Baarakɛminɛnw, furaw, ani mɔgɔ yɛrɛ ka nafolo bɛɛ lankolonya ka bɔ mobili kɔnɔ joona"]
    TitleStep1 --> TitleStep2["2. Check State Usury Cap & Military Lending Act (36% Cap Voiding Illegal Title Liens)"]
    TitleStep2 --> TitleStep3["3. Apply for Emergency CDFI Credit Union Title-Loan Rescue Refinance or Chapter 13 Automatic Stay"]
    Type -->|"Pawn Shop Ticket Expiring"| PawnStep1["1. Check Statutory Grace Period on Ticket (Typically 30 to 60 Days Past Due Date)"]
    PawnStep1 --> PawnStep2["2. Pay Single Month Interest/Storage Fee Before Final Day to Roll Ticket Forward Without Losing Item"]

Step-by-step: How to legally stop a payday lender from draining your bank account¶

When you signed up for an online or storefront payday loan, the fine print included an ACH Debit Authorization (and often a hidden recurring debit-card billing authorization) allowing the lender to electronically pull money from your checking account. Under the United States Electronic Fund Transfer Act (15 U.S.C. § 1693e / Federal Reserve Regulation E, 12 CFR § 1005.10©), the UK Direct Debit Guarantee / FCA Consumer Duty, and Payments Canada Rule H1 (Pre-Authorized Debits), a consumer has an unwaivable legal right to stop preauthorized electronic fund transfers at any time. Even if your loan contract claims that "ACH authorization is irrevocable," federal banking law overrides that contract clause.

Step 1: Send a written Notice of ACH Revocation to the lender¶

At least 3 full business days before the scheduled payday debit, send an email and a certified letter (or take a timestamped screenshot of the lender's online message portal) containing this exact legal notice:

Subject: FORMAL REVOCATION OF ACH AND ELECTRONIC DEBIT AUTHORIZATION: Account #[Last 4 Digits]

"Pursuant to federal banking law (15 U.S.C. § 1693e and 12 CFR § 1005.10 / applicable national direct-debit regulations), I hereby permanently REVOKE my authorization for [Name of Lender], its parent companies, payment processors, and assignees to initiate any Automated Clearing House (ACH) debits, electronic checks, remotely created checks, or debit card charges against my checking account ending in [XXXX] at [Name of Your Bank] or any other financial account held by me, effective immediately. Any electronic debit attempted after receipt of this notice is strictly unauthorized."

Step 2: Deliver a copy of the Revocation and a Stop Payment Order to your bank¶

Do not trust an online payday lender to honor your revocation notice on their own. On the exact same day:

1. Walk into your bank branch or call your bank's Electronic Funds Transfer / ACH Dispute department.
2. Tell the bank officer: "I have revoked my authorization for [Name of Lender] to debit my account under Regulation E, and I am placing a permanent revocation block / Stop Payment Order against all future ACH debits from this merchant."
3. Know the difference between a single Stop Payment and a Full Revocation Block: Some bank tellers try to charge a 30-dollar fee to block just a single dollar amount. Tell the bank that you have revoked the underlying authorization entirely (give them a copy of the email you sent the lender). Once your bank is notified that authorization has been revoked, the bank is legally required under Regulation E and NACHA operating rules to block all future debits from that originator, and if the lender sneaks a debit through anyway, your bank must recredit 100 percent of your money as an Unauthorized Electronic Fund Transfer (plus refund any overdraft fees caused by the unauthorized pull).

Step 3: Cancel your plastic Debit Card and defeat "Split-Transaction" tricks¶

Predatory online lenders use two dirty tricks to get around an ACH Stop Payment:

• Trick 1 (Backup Debit Card Billing): In the loan application, they asked for your 16-digit Visa or Mastercard debit card number "for identity verification." The moment their ACH pull is blocked by your bank, their computer automatically switches rails and runs the payment as a point-of-sale debit card purchase. Countermeasure: Call your bank today, state that your debit card credentials are in the hands of a revoked merchant, and ask the bank to cancel the card completely and issue a new 16-digit card number (also ask the bank to disable "Visa Account Updater / Mastercard Automatic Billing Updater" so the new card number is not automatically forwarded to recurring merchants).
• Trick 2 (Name-Hopping and Micro-Splitting): When a 600-dollar debit is blocked, rogue lenders change their ACH company name slightly and fire off six separate 100-dollar debits in one night. Countermeasure: If you have borrowed from an unlicensed offshore or tribal online lender known for ignoring ACH blocks, the safest move is to open a brand-new checking account at a different bank or credit union, move your paycheck direct deposit to the new bank before payroll locks, withdraw your remaining cash from the old account, and ask the old bank to close the account or place it on "Deposit-Only / Post No Debits" status.

Exercising your right to a 0% Statutory Extended Payment Plan (EPP)¶

Before defaulting on a licensed storefront or online payday loan, check whether your state or country forces the lender to offer a mandatory Extended Payment Plan (EPP) or Cooling-Off Cancellation:

• The 24-to-72-Hour Cooling-Off Rescission Right: In almost every jurisdiction where payday lending is regulated (and under the UK Consumer Credit Act 14-day right of withdrawal), if you took out a payday loan yesterday and realize today it was a mistake, you can return the exact principal cash borrowed to the store within 1 to 3 business days (or 14 days in the UK) and cancel the loan with zero fees and zero interest.
• The Mandatory 4-Installment Extended Payment Plan (EPP): If you live in one of the more than 20 US states that mandate Extended Payment Plans (including California, Colorado, Delaware, Florida, Idaho, Illinois, Indiana, Louisiana, Michigan, Nevada, New Mexico, South Carolina, Utah, Virginia, Washington, Wisconsin, and Wyoming) or trade with a lender belonging to the Community Financial Services Association of America (CFSA):
  1. You must request the Extended Payment Plan at least 1 business day before your loan is due (do not wait until the day after your check bounces).
  2. Walk into the store or log into your online portal and state: "I am exercising my statutory right to an Extended Payment Plan."
  3. By law, the lender must split your current balance into 4 equal payments spread across your next 4 paydays with zero additional rollover fees and zero extra interest, and cannot turn you over to collections while you make the 4 payments.

Auto Title Loan emergencies: stopping vehicle repossession¶

An auto title loan (called a logbook loan in the United Kingdom) is far more dangerous than a payday loan because you signed over a security interest (lien) on your car's certificate of title. When a borrower defaults on a 1,000-dollar title loan, the lender can repossess a 10,000-dollar car that the family relies on for work and school.

flowchart TD
    TitleDefault["Auto Title Loan Past Due or Repossession Threatened"] --> LegalCheck{"Is the Title Loan Legally Enforceable in Your State?"}
    LegalCheck -->|"Active-Duty Military or Dependent"| MLA["1. Loan Violates Federal Military Lending Act (36% APR Cap & Title-Pawn Ban): Contract Is Legally VOID From Inception"]
    LegalCheck -->|"State Prohibits Title Loans or Caps APR at 36%"| VoidState["1. Unlicensed/Out-of-State Title Lender Cannot Legally Enforce Lien: File AG & Banking Regulator Complaint"]
    LegalCheck -->|"Licensed Title Loan in Permissive State"| ProtectCar["1. Remove All Tools, Meds, Laptop, and Child Seats From Car Tonight"]
    ProtectCar --> BreachPeace["2. Know 'Breach of the Peace' Law: Tow Driver Cannot Break Into Locked Garage or Use Physical Force"]
    BreachPeace --> CureOrRefi["3. Exercise Statutory 'Right to Cure' Window OR Refinance via CDFI Credit Union / Chapter 13 Automatic Stay"]
    CureOrRefi --> Surplus["4. If Car Is Seized and Sold, Demand Statutory 'Surplus Equity' Payment (Sale Price Minus Loan Balance)"]

1. Aw ye a lajɛ ni titre juru tɛ sariya kɔnɔ pewu, wa a tɛ foyi ɲɛ¶

Sani i k’i ka konnɛgɛw di, i k’a lajɛ ni jurudonna ye fédéral walima état sariya tiɲɛ tuma min na a bɛ juru di:

• Sɔrɔdasi jurudon sariya (MLA) Balili dafalen: Fɛdɛrali sariya kɔnɔ (10 U.S.C. § 987), a bɛ sariya sɔsɔ kosɛbɛ ni jurudonna o jurudonna ka mobili tɔgɔla juru di min ka ca ni Sɔrɔdasi san kɛmɛsarada la kɛmɛsarada la 36 (MAPR) ye, baarakɛla min bɛ baara kɛ, Garadi/Reserve mɔgɔ min bɛ baara la, walima u furuɲɔgɔn/min bɛ a bolo. Title juru o juru min kɛra ka MLA tiɲɛ, o fu tɛ kabini a daminɛ na, o kɔrɔ ye ko lien min bɛ i ka mobili title kan, o tɛ tiɲɛ ye, wa jurudonna tɛ se k’i ka mobili ta kokura sariya siratigɛ la. Aw bɛ taa aw ka basigi sariya dɛmɛni (JAG) biro la joona.
• Dancɛ tigɛlen walima ɛntɛrinɛti kan juru minnu tɛ sariya kɔnɔ Cap jamanaw kɔnɔ: Ameriki jamana tilancɛ ni kɔ bɛ mobili tɔgɔ jurudonni bali k’a dafa walima ka tɔnɔ hakɛ dantigɛ ni kɛmɛsarada la 24 fo 36 ye APR (Niyɔriki, New Jersey, Connecticut, Massachusetts, Pennsylvanie, Maryland, Caroline du Nord, Illinois, Michigan, Minnesota, Colorado, Washington, ani California sen bɛ o la, juru minnu bɛ dɔrɔmɛ 2500 ni 10,000 cɛ). Ni ɛntɛrinɛti jurudonna dɔ y’i lafili ka bolifɛn ta ka tɛmɛ jamana sira kan walima k’i ka tɔgɔlasɛbɛn ci jamana wɛrɛ ma walasa k’i yɛrɛ tanga i ka jamana ka tɔnɔ sɔrɔli hakɛ ma, jamana sariyatigiba ni sariya dɛmɛbagaw ka avoka bɛ se ka to ka o wari seginni bali i n’a fɔ tɔnɔko bɛnkan min tɛ sariya kɔnɔ.

2. I farikolo josariyaw ka ɲɛsin repossession tow-truck bolila ma ("Breach of the Peace") .¶

Jagokɛlaw ka sariyasun kelen kɔnɔ, Siginiden 9-609 (UCC § 9-609), titre jurudonna min lakananen don, o bɛ se ka mobili ta kokura k’a sɔrɔ kiritigɛso ka yamaruya ma di a ma n’a bɛ se ka kɛ ni "Breach of the Peace" tɛ. An ka gafe dafalen kalan a kan mobili minɛni ni a seginni hakɛw walasa ka kunnafoni bɛɛ sɔrɔ:

• Tow bolila tɛ se ka sigiyɔrɔ garazi da datugulen da wuli walima ka da datugulen tigɛ: Hali ni repo ciden bɛ se k’i ka mobili sama ka bɔ bolifɛnw bilayɔrɔ da wulilen na, sow jɔyɔrɔ la, walima baarakɛyɔrɔ sira kan, u tɛ se ka padlock kari, ka garazi da datugulen da wuli, walima ka don boon datugulen dɔ kɔnɔ, k’a sɔrɔ kiritigɛso ka replevin sɛbɛn ma sɔrɔ min bolonɔ bilala kiritigɛla fɛ.
• Ni i bɛ farikolo la, ka sɔsɔli kɛ daɲɛw fɛ sanni mobili ka siri, u ka kan ka jɔ: N'i bɛ taama kɛnɛma k'a sɔrɔ bolifɛntigi bɛ ka a labɛn k'i ka mobili siri k'a fɔ ni hakilisigi ye ko "Ne bɛ sɔsɔli kɛ nin minɛni seginni na; jigin n ka nafolo la," ka t'a fɛ ka minɛni kɛ i ɲɛda ni ɲɛda sɔsɔli kan, o bɛ kɛ Hɛrɛ tiɲɛni ye min tɛ sariya kɔnɔ. (Aw kana baara kɛ ni farikolo fanga, marifaw walima bagabagali ye abada, ani aw kana pan abada mobili kɔnɔ min kɔrɔtara kaban tow boom kan, o bɛ mɔgɔ ka ɲɛnamaya bila farati la).
• GPS Starter-Interrupt kɛcogo min tɛ sariya kɔnɔ, o bali walima ka ɲininkali kɛ: Title jurudonna caman bɛ dashboard GPS box dɔ sigi min bɛ i ka ignition starter pɛrɛn ani k’a bali ni i ka wari sarali tɛmɛna tile kelen kɔfɛ. A man ɲi kosɛbɛ jurudonna ka mobili motɛri da k’a sɔrɔ mobili bɛ boli walima k’a to a tɛ baara la siraba kan, wa n’i mago bɛ mobili la joona i ka ɲɛnamaya lakanani furakɛli kɔrɔtɔlen dɔ kama, i ka kɔrɔtɔko kode ɲini jurudonna fɛ sanga 24 kɔnɔ ani ka ban sɛbɛn.

3. Ka i ka "Surplus Equity" ɲini ni mobili feerela¶

Ni titre jurudonna dɔ ye mobili dɔ ta kokura min nafa ye dɔrɔmɛ 8000 ye walasa ka dɔrɔmɛ 1500 titre juru wasa, ka mobili in feere dɔrɔmɛ 7000 na, ** jurudonna man kan ka dɔrɔmɛ 5500 wɛrɛ don a ka bɔrɛ kɔnɔ** jukɔrɔ UCC § 9-615 (a bɛ se ka fɔ ko jamana bɛɛ la fo bolomafara fitinin dɔ min bɛ ni pion-forfeiture carveouts kɛrɛnkɛrɛnnenw ye). Boris ka kan ka feere tɔnɔ sɔrɔlen kɛmɛsarada la 100 sara i ye ka tɛmɛ juru tɔ kan ani juru sama musaka bɛnnenw kan. Aw ye sɛbɛn fɔlɔ ɲini Ferekɛlaw ka sɔrɔw jatebɔ tile 14 kɔnɔ, ka bɔ fɛnw seginni sannifeere kɔfɛ.

Pawn shop tickets: denbaya ka ciyɛnw ni baarakɛminɛnw kisi cogo min na ka bɔ fɛnw minɛni na¶

A tɛ i n’a fɔ sara don walima titre juruw, pawn transaction tɛ kɛ ni juruko sɛgɛsɛgɛli ye, a tɛ se ka ci jurudonnaw ​​ma, wa a tɛ i ka juru hakɛ tiɲɛ abada n’i m’a sara. Nka, i ka sanu biyew, i ka fɔlifɛn, i ka marifakisɛw, walima i ka baarakɛminɛnw bɛ i bolo farikolo ta fan fɛ, wa ni kɔgɔli don farala sariya ka nɛɛma waati kan tɛmɛna, tigiya bɛ wuli a yɛrɛma ka taa piyɛri feereyɔrɔ la (forfeiture).

1. Aw ka Kɔrɔya don ni sariya ka nɛɛma waati kalan aw ka piyɔni bileti kan: Jamana ka jurudonna sariyaw bɛ jurudon waati fitinin (a ka c’a la tile 30) wajibiya ka tugu o kɔ ni wajibi ye sariya ka nɛɛma waati (a ka c’a la, tile 30 fo 60 wɛrɛ, i n’a fɔ tile 30+30 Texas ani Floride, walima kalo 4 bɛɛ lajɛlen Californie ani New York) sanni butiki ka se k’i ka fɛn bila kɛnɛ kan feereli bɛ feerekɛyɔrɔ la.
2. Kalo tɔnɔ/nafolo sara DƆRƆN de sara walasa ka "Roll Over / Renew" tikiti: Ni i ka kunmabɔli don laban ye bi ye ani ni dɔrɔmɛ 40 b’i bolo nka dɔrɔmɛ 400 tɛ i bolo min ka kan ka kɛ walasa k’i ka fɛn san kokura a bɛɛ lajɛlen na, i ka taama ka don pɔsɔni feereyɔrɔ la sanni i ka da waati la ani ka kalo 1 tɔnɔ sara / tɔnɔ sara. A bɛ se ka fɔ ko jamana bɛɛ la, kalo tɔnɔ sɔrɔlen sarali sariya siratigɛ la ka piyɔni bileti kura ye ani k’a lasegin a cogo kɔrɔ la tile 30 fo tile 90 sɛrɛkili dafalen wɛrɛ kama, o b’a to i ka fɛn kana bɔsi feerelikɛyɔrɔ la.
3. A ɲini ka bonya sɛbɛn ɲini ni tile 3 ka surun i la: Ikomi sigida ka piyɔnifeerelaw ka teli ka tɔnɔ sabatilen sɔrɔ kalo o kalo ka bɔ kiliyan segintɔ dɔ fɛ ka tɛmɛ baarakɛminɛn walima bololanɛgɛ kɔrɔw labɛnni ni u feereli kan, i ka magan ɲɛmɔgɔ wele sanni nɛɛma waati ka ban (ni nɛɛma waati banna, tuma caman na, ɔridinatɛri sitɛmu bɛ o fɛn bila a yɛrɛma ka don feerelikɛyɔrɔw la, yɔrɔ min na, baarakɛlaw tɛ se k’a kɔsegin) ani ka tile 7 bolonɔbila sɛbɛn dɔ ɲini min nɔrɔlen bɛ i ka tikiti sɛbɛnfura kan.
4. Ni pion feerela tununna, a tiɲɛna, walima a ye i ka fɛn feere joona do?: K’a sɔrɔ i bɛ i ka nafolo minɛ juru ni nɛɛma waati la min bɛ baara la, pironkɛla ka baara ye sariya sira fɛ ka a janto i n’a fɔ bailee for mutual benefit. Ni butiki ye i bamuso ka bololanɛgɛ feere tile fila sanni i ka sariya ka nɛɛma waati ka ban, walima ni i ye i ka fɛn tunun kɔfɛ so kɔnɔ, sariya siratigɛ la, u ka kan ka o fɛn sugu tilennen sɔngɔ dafalen sara i ye (u ye juru fitinin min juru don i la, o tɛ dɔrɔn). Aw ye feereli tɛmɛnenw fɔ joona aw ka sigida la Police Department Pawn Unit ani jamana ka lasekow ɲɛnabɔbaga ye.

Kɔrɔtɔko fɛɛrɛ wɛrɛw walasa ka boli saradon jiginni sɛgɛsɛgɛli ɲɛ¶

Ni aw ye ACH jibɔyɔrɔ datugu aw ​​ka jatebɔsɛbɛn kan, aw bɛ baara kɛ ni nin nafolomafɛn sɔngɔ gɛlɛnw ye minnu sɛgɛsɛgɛra walasa ka aw ka du baarakɛnafolo sabati k’a sɔrɔ aw ma segin ka don saradon magasin kɔnɔ abada:

• Saradon juru wɛrɛw (PALs I & II) ka bɔ Fɛderasiyɔn ka jurudonna jɛkuluw la: Fɛdɛrali jurudonna jɛkulu minnu bɛ Ameriki jamana bɛɛ la, olu bɛ Saradon juru wɛrɛw di minnu bɛ sariya kɔnɔ, minnu bɛ daminɛ dɔrɔmɛ 200 na ka se dɔrɔmɛ 2000 ma, ni tɔnɔ hakɛ dantigɛlen don kosɛbɛ Kɛmɛsarada la 28 APR (ni i y’a suma ni kɛmɛsarada la 400 ye saradon magasin na), ɲinini sara bɛ dan dɔrɔmɛ 20 ma, ani kalo 1 fo kalo 12 walasa ka sara ni tilayɔrɔ fitininw ye.
• Sigida yiriwali nafolosɔrɔsiraw (CDFI) ani Title-Loan Refinance Programs: CDFI minnu tɛ tɔnɔ ɲini ani jurudon jɛkulu minnu bɛ baara kɛ ni cidenyabaara ye, olu bɛ "Predatory Loan Buyout / Title Loan Rescue" porogaramu kɛrɛnkɛrɛnnenw kɛ minnu bɛ APR kɛmɛsarada la 300 auto title lien sara ani k’a bila a nɔ na ni tɔnɔ dɔgɔman ye credit-builder auto loan ye, o bɛ i ka kalosara tigɛ ni 60 ye ka se 80 ma kɛmɛsarada la.
• Nafa gɛlɛya porogaramuw ani dɛmɛ 211: Aw kana sara don walima titre juru ta abada walasa ka kuran, gazi walima ji wari sara. Jamana foroba baarakɛjɛkuluw b’a ɲini nafabɔlaw fɛ u ka kalo 12 fo kalo 24 sarako bolodalenw di, ka fonɛnɛ/samiyɛ dabila dabila, ani LIHEAP ka bolomafaraw ni tɔnɔ zeru tɛ. Aw ye an ka gafe lajɛ min bɛ kuma wariko gɛlɛya barikama nafa sɔrɔli ni dumuniko sɛgɛsɛgɛli kama.

Triage sɛgɛsɛgɛli sɛbɛn min bɛ kɛ ka juru tiɲɛniw dabila¶

Aw ye nin jateminɛ sɛbɛn in labato bi sanni aw ka sara nata ka se:

• A ye Notice of ACH Revocation sɛbɛnnen ci imɛri la ani bataki seereyaw fɛ saradon bɛɛ la walima ɛntɛrinɛti jurudonna min musaka ka bon, a dɔgɔyalenba la, baarakɛdon 3 ka kɔn saradon ɲɛ.
• Aw ye ACH Revocation sɛbɛn di aw ka banki ma ani ka Stop Payment / Revocation Block banbali bila jurudonna kan.
• I ye i ka plastiki debiti karti kɔrɔ tiɲɛ ani ka karti nimɔrɔ kura ɲini min bɛ ni nimɔrɔ 16 ye walasa jurudonnaw ​​kana se ka debiti karti samali kɔpi kɛ.
• I ye jatebɔsɛbɛn saniyalen dɔ da wuli jurudonna jɛkulu walima banki dɔ la min ni ɲɔgɔn cɛ tɛ, ani k’i ka sarako wari bilalen bila yen ni i bɛ baara kɛ ni ɛntɛrinɛti jurudonna farimanw ye minnu ka lakɔliso sɛbɛn tɛ.
• A ɲinina sariya kɔnɔ 0% Extended Payment Plan (EPP) ni juru donna magan ɲɛfɛ jurudonna dɔ fɛ min ka lase bɛ EPP jamana kɔnɔ.
• Aw ye aw yɛrɛ ka baarakɛminɛnw, furaw ani fɛn nafamaw bɛɛ bɔ aw ka mobili kɔnɔ ni mobili tɔgɔla juru ma dafa.

Ɲininkali minnu bɛ kɛ tuma caman na¶

Sosow sɛgɛsɛgɛra¶

• Kunnafonidila nafolo lakanani biro (CFPB, Etazuni): Elektroniki nafolo cili sariya (Sariyasen E) Kunnafonidila ka josariyaw: Ka ACH Debitiw dabila minnu yamaruyara ka kɔn ka bɔ saradon jurudonnaw ​​la, ani sara don jurudonna sarali sariya.
• Fɛdɛrali Jago Komisiɔn (FTC, Etazuni): Jɔrɔnanko kɛcogo juguw, mɔgɔ minɛcogo nkalontigɛlenw, ani Auto Title Loan Repossession sariyaw.
• Lakana minisiriso ni musaka lakanani biro (DoD / CFPB, Etazuni): Sɔrɔdasi jurudon sariya (MLA, 10 U.S.C. § 987): 36% MAPR Cap ani Mobili tɔgɔ juruw balili baarakɛlaw ye.
• Jamana ka musakabɔlaw ka sariyaso (NCLC, Etazuni): Jɔrɔ min bɛ balo la: Sara don juru minnu musaka ka bon, Mobili tɔgɔ seginni, Jago sariya kelen sariyasen 9nan Hɛrɛ tiɲɛni, ani Pawn Transactions.
• Nafolo taabolo ni jamanadenw ka laadilikanw (FCA, Angletɛri): Kɔrɔsili kuntaala surun (sara don) sɔngɔ gɛlɛnw, Sarali sabatili ɲɛmɔgɔso (CPA) ka josariyaw tiɲɛni, ani juruw lakanani minnu bɛ sɔrɔ jatebɔsɛbɛn kɔnɔ.

Gafe minnu bɛ tali kɛ o ko la¶

• Ka i yɛrɛ tanga juruw la minnu bɛ mɔgɔ minɛ
• Mobili minɛni ni a seginni hakɛw
• Jɛkulu minnu bɛ juruw ta, olu ka tɔɔrɔ
• Nafolo gɛlɛya barikama