Ku ƒe ƒometɔ zombie fe: nudzɔdzɔ taʋiʋli kple domenyinumãgbalẽ ƒe agbanɔamedzi¶

Le kwasiɖa siwo kplɔ ƒomea me tɔ aɖe ƒe ku ɖo me la, amesiwo tsi agbe le aƒeme la dzea ŋgɔ telefon kaƒoƒo, lɛta, kple gaxɔgbalẽviwo ƒe amedzidzedze. Ame etɔ̃lia ƒe fexexedɔwɔƒewo kple zombie feƒlelawo léa ŋku ɖe dutoƒo ku ŋuti nyatakakawo, amekuku ŋuti nuŋlɔɖiwo, kple Social Security Death Master File ƒe tɔtrɔ yeyewo ŋu be woatsɔ ade dzesi nuƒlela siwo ku nyitsɔ laa. Ne wonya ŋlɔ ame aɖe ƒe ku ɖi ko la, nudzɔlawo yɔa srɔ̃tɔ siwo tsi agbe, vi tsitsiwo, kple nɔviwo, eye wobiana be woaxe ga si susɔ ɖe gaxɔgbalẽvi dzi, ame ŋutɔ ƒe gadodo, kɔdzifewo, kple fiase me fexexe ƒe gakɔntawo enumake.

Zi geɖe la, nudzɔla siawo ɖoa ŋu ɖe seselelãme ƒe asitɔtrɔ kple senyawo gbɔgblɔ totro ŋu. Wodo susua ɖa be agbenyuinɔnɔ ƒe agbanɔamedzi le ɖevi siwo tsi agbe dzi be woakpɔ wo dzila ƒe ŋkɔ si ku la ta to fe si wodo la xexe me, alo wogblɔna alakpatɔe be ƒometɔ siwo tsi agbe lae axɔ ga si susɔ la le se nu. Le nyateƒe me la, nuƒlelawo ƒe fewo nye ame kukua kple woƒe domenyinu ƒe nunɔamesiwo tɔ, ke menye ƒomea me tɔ siwo tsi agbe tɔ o. Se ƒe liƒo siwo le ame ŋutɔ ƒe agbanɔamedzi kple domenyinu ƒe agbanɔamedziwo dome gɔmesese kpɔa wò ŋutɔ wò ganyawo ta le kuɣi.

flowchart TD
    A["Fenyilawo doa ka kpli wò ku ɖe fe si wònyi le ƒometɔ si ku ŋu"] --> B{"Ðe nènye amesi do ga ɖekae alo amesi de asi agbalẽ te le se nu le gakɔnta la mea?"}
    B -->|"Ẽ"| C["Miewɔa agbanɔamedzi le se nu: Mizã ame ŋutɔ ƒe ga tsɔ dzro nyaa gbɔ kpɔkpɔ me"]
    B -->|"Ao"| D{"Ðe wòe nye domenyinu la Dzikpɔla alo Dɔdzikpɔla si woɖoa?"}
    C --> E["Kpɔ nubabla ƒe asidede agbalẽ te ɖa hafi nàxe dɔlar ɖeka pɛ hã"]
    D -->|"Ao, ƒomea me tɔ ɖeɖeko"| F["Ènyi fe zero: Ðo FDCPA ƒe Dzudzɔ kple Dzudzɔ ƒe lɛta ɖa enumake"]
    D -->|"Ẽ, ʋɔnudrɔ̃ƒee tiae"| G["Fia mɔ nudzɔla be wòatsɔ nyaa ƒe kpeɖodzi le se nu ayi domenyinu ʋɔnudrɔ̃ƒe"]
    G --> H{"Ðe ga si sɔ le domenyinu si be woatsɔ axe ga si wobia tso ame si le se nua?"}
    H -->|"Ẽ: Solvent Estate"| I["Fe na nusiwo wobia la le se ƒe sedede sesẽ si wotsɔ ɖo nɔƒe gbãtɔ nu"]
    H -->|"Ao: Domenyinu Siwo Mekpɔa Ga O"| J["Domenyinu nye nusi mate ŋu adzɔ o: Fenyilawo xɔa nusiwo bu, domenyilawo mexea naneke o"]

Wɔ esia fifia¶

Ne fenyilawo le kadodo me kpli wò hele biabiam be woaxe ƒometɔ si ku ƒe fewo la, wɔ ametakpɔnu atɔ̃ siawo enumake:

1. Gbe be yemazã wò ŋutɔ wò ga alo wò ŋutɔ wò gadzraɖoƒe o:
   • Mègaxe dɔlar ɖeka pɛ hã tso wò ŋutɔ wò kotoku me ɖe wò ƒometɔ ƒe gaxɔgbalẽvi, atikewɔwɔ ƒe fe, alo ame ŋutɔ ƒe gadodo si ŋu kakaɖedzi mele o ta gbeɖe o.
   • Woate ŋu aɖe fexexe tso ame ŋutɔ ƒe ga me gɔme be enye agbanɔamedzi tsɔtsɔ, si ade dzi ƒo na nudzɔla siwo doa dziku be woabia ga si susɔ bliboa tso gbɔwò.
   • Woxea ame si ku ƒe fe siwo le se nu tso domenyinu ƒe nunɔamesiwo ɖeɖeko me to ʋɔnudrɔ̃ƒe ƒe ɖoɖo siwo wowɔ le se nu dzi.
2. Na wò akpa si nèwɔna le se nu la me nakɔ eye nàgbe be yemaƒo nu tso akɔntabubu ŋuti nyatakakawo ŋu o ne menye wòe nye amesi awɔ dɔa o:
   • Ne ɖevi tsitsi, nɔviwò, alo ƒometɔ si womeɖo be wòanye sedzikpɔla alo ame ŋutɔ teƒenɔlae nènye o la, na amesi yɔ wò la nanya be: "Menye nyee nye domenyinu la teƒenɔla le se nu o."
   • Fia nudzɔla la be le Fe Xɔxɔ ƒe Nuwɔna Dzɔdzɔe ƒe Sea nu la, wode se na yewo be woagadzro fe la me kple ame etɔ̃lia siwo ŋu womeɖe mɔ ɖo o.
   • Mègatsɔ nyatakaka siwo ku ɖe agbemenugblẽfexexe ƒe ga, dzudzɔxɔxɔledɔme ƒe ga si susɔ, alo ƒometɔ bubu siwo tsi agbe ƒe ŋkɔwo ŋu la ana lɔlɔ̃nu faa o.
3. Na mɔfiame nudzɔla la to agbalẽ me be wòahe nya siwo katã woabia le etsɔme la ayi domenyinu ʋɔnudrɔ̃ƒea:
   • Na ame ŋutɔ teƒenɔla si ʋɔnudrɔ̃ƒea tia alo domenyinu ŋuti senyala ƒe ŋkɔ bliboa kple eƒe posu adrɛs, ne ɖe li.
   • Ne womeʋu domenyinu aɖeke o la, na nudzɔla la nanya be: "Amesi ku la gblẽ domenyinu si mexɔ ga o si me domenyinu ƒe nunɔamesi aɖeke mele o, eye womele domenyinu aɖeke dzi kpɔm o."
   • Bia be woaɖo kadodo siwo katã woawɔ le etsɔme la ɖe agbalẽ me to posu me ko.
4. De dzesi nunɔamesi siwo menye domenyinu ƒe nunɔamesiwo o siwo toa domenyinu la godo tsɔ kpɔa domenyinu ga ta:
   • Kpɔe ɖa be wotsɔa ga si wokpɔna tso agbemenugblẽfexeɖoɖo siwo me viɖekpɔla siwo ŋkɔ woyɔ me la dea viɖekpɔlawo ƒe gakɔntawo me tẽ.
   • Ðo kpe edzi be dzudzɔxɔxɔledɔme ƒe gakɔntawo (401k, IRA, dzudzɔxɔxɔledɔme ƒe gaxɔgbalẽviwo) kple gadzraɖoƒe ƒe gakɔnta siwo ƒe ŋkɔe nye Transfer-on-Death (TOD) la toa viɖekpɔla siwo ŋkɔ woyɔ la gbɔ tẽ.
   • Nusiwo menye domenyinu ƒe nunɔamesiwo o to nubabla ƒe se dzi tẽ eye wokpɔa wo ta le se nu tso ame kukua ƒe fenyilawo si si dedienɔnɔ mele o gbɔ.
5. Na FDCPA ƒe Dzudzɔ kple Dzudzɔ ƒe lɛta si wowɔ le se nu ne nudzɔlawo yi edzi le ka ƒom:
   • Ðo gbeƒãɖeɖe si woŋlɔ ɖi to posu si ŋu woɖo kpee dzi be nàbia tso gaxɔdɔwɔƒea si be wòadzudzɔ telefon kaƒoƒo kple kadodowo katã enumake.
   • Ŋlɔ ŋkeke ɖesiaɖe si dzi woƒo ka, ɣeyiɣi ƒe dzesi, kple nudzɔla ƒe nya ɖesiaɖe ɖi be nàtu kpeɖodziwo ɖo na nyatoƒoetoto siwo ku ɖe ɖoɖowɔwɔ ŋu le dukɔa ƒe se nu.
   • Gblɔ nudzɔla siwo wɔa ŋlɔmi le wo ŋu la na Nuƒlelawo ƒe Ganyawo Takpɔha kple miaƒe dukɔa ƒe senyalagã ƒe nuƒlelawo takpɔƒe.

Fenyinyi ƒe ŋutilã ƒe wɔwɔme: fɔɖiɖi, asitɔtrɔ le ame ŋu, kple senyawo ƒe ameflunyawo¶

Fenyinyi ƒe dɔwɔƒea wɔa dɔ le susu me ƒe gbɔdzɔgbɔdzɔ dzi. Le ƒome aɖe ƒe ku megbe la, ƒometɔ siwo tsi agbe la xaa nu, ɖeɖi tea wo ŋu le susu me, eye wotɔtɔna le senyawo gome. Nudzɔƒe siwo nye ameflulawo wɔa nuxaxa ƒe nɔnɔme sia ŋudɔ, eye wozãa nuŋɔŋlɔ siwo wowɔ be woatsɔ ahe fɔɖiɖi si womekpɔ o kple vɔvɔ̃ si ŋu kpeɖodzi mele o vɛ na tohehe siwo le se nu.

Dɔwɔƒe siawo xɔa nuƒlela siwo ku ƒe gakɔntawo ƒe agbalẽdzraɖoƒewo tso fe evelia ƒlelawo gbɔ ɖe gaku ɖeka le dɔlar ɖeka dzi. Esi wònye be fenyilaa gbã la ku eye womate ŋu atsɔ nya ɖe eŋu le eɖokui si o ta la, fedzɔlawo nya be sedziwɔwɔ aɖeke mele fe la ŋu o negbe ɖe domenyinu ƒe domenyinu si le dɔ wɔm si me ga si me agba mele o le li, alo negbe ɖe woate ŋu ana ƒometɔ aɖe si tsi agbe be wòaxee hafi.

flowchart TD
    A["Dɔwɔƒe si xɔa fenyinyi ƒlea nuƒlelawo ƒe fenyinyi ƒe agbalẽdzraɖoƒe si ku la ɖe gaku ɖeka ta"] --> B["Eléa ŋku ɖe amekukugbalẽwo ŋu eye wòtoa nyatakakadzraɖoƒewo dzi dia ƒometɔ siwo tsi agbe"]
    B --> C["Eƒoa ka na srɔ̃tɔ alo vi tsitsi si tsi agbe le kuɣi"]
    C --> D{"Susuŋutinunya ƒe mɔ̃ kae wozãna?"}
    D -->|"Agbenɔnɔ Ŋuti Fɔɖiɖi ƒe Mɔ̃"| E["Fe si wobia be woaxe fe la kpɔa dzila la ƒe agbenyuinɔnɔ ƒe domenyinu ta"]
    D -->|"Senyawo Gbɔgblɔ Totro"| F["Aʋatsokaka be domenyilawo nyia fe siwo womexe o ƒe dome le dukɔa ƒe se nu"]
    D -->|"Nuwo Xɔxɔ ƒe Afɔku"| G["Edoa ŋɔdzi na ƒomea ƒe aƒe si woatsɔ axe fe ɖe ame si alo atsi agbetsilawo ƒe gadzraɖoƒe ƒe gakɔntawo nu"]
    E --> H["Zia agbetsilawo dzi be wòaxe fe le ŋkɔ me tso eya ŋutɔ ƒe ga me"]
    F --> H
    G --> H
    H --> I["Nudzɔla ƒe kotokuwo ƒe dɔdzikpɔha; agbetsilawo bu eya ŋutɔ ƒe ga tegbee"]

Nudzɔlawo zãa susuŋutinunya kple senyawo me ameflumɔnu vevi etɔ̃:

• Agbenyuinɔnɔ ƒe Agbanɔamedzi ƒe Mɔ̃a: Ame si le ka ƒom la ƒoa asa na ŋɔdzidoname le se nu tẽ, le esi wònya be gbɔgblɔ be ƒometɔ aɖe ƒe agbanɔamedzi le se nu nye dada le dukɔa ƒe se dzi ta. Ke boŋ wodoa dzidzɔ na ƒome ƒe dada: "Fofowò nye aʋawɔla dadala si dea bubu eƒe agbanɔamedziwo ŋu ɣesiaɣi. Menya be èdi be yeakɔ eƒe ŋkɔ me eye yeakpɔ eƒe dɔ mamlɛtɔ gbɔ nyuie." Wotrɔ asi le nyagbɔgblɔ sia ŋu be wòana agbetsilawo nase le eɖokui me be ye ŋutɔ yeƒe agbanɔamedzi le dɔwɔƒea ƒe ga si womate ŋu axɔ o ta.
• Zazãla ƒe Tɔtɔ ƒe Mɔ̃ si Ŋu Woɖe Mɔ Ðo: Ne srɔ̃tɔ alo vi tsitsi aɖe si tsi agbe le zãla ƒe agbalẽvi si ŋu woɖe mɔ ɖo le ƒometɔ si ku ƒe gaxɔgbalẽvi dzi la, nudzɔlawo gblɔna alakpatɔe be esia hea gadodo ɖekae vɛ. Le dukɔa ƒe nuƒlelawo ƒe gadodo ƒe sewo nu la, ɖeko mɔɖeɖe le ezãla si ŋu woɖe mɔ ɖo si be wòaxɔ ga le nusiwo wòƒle ta; womede asi gadodo ƒe nubabla si le ete la te kpɔ o eye wometsɔa ame ŋutɔ ƒe agbanɔamedzi aɖeke le se nu ɖe ​​ga si susɔ la ta o.
• The Asset Seizure Bluff: Nudzɔlawo do ŋɔdzi na wo be ne ƒomea mexe gakɔnta la enumake o la, gaxɔdɔwɔƒea atsɔ nya ɖe ƒomea ƒe aƒea ŋu, axɔ ʋuwo, alo aɖo atsyɔ̃ na ƒometɔ siwo tsi agbe ƒe fetu. Se ƒe ŋusẽ aɖeke mele fenyilawo si si dedienɔnɔ mele o si be woatsɔ nunɔamesiwo akpe ɖe wo ŋu alo atɔ te gadzraɖoƒewo evɔ womaʋu domenyinumãgbalẽ gbã, atsɔ nya ɖe ame ŋu, aɖu dzi le ʋɔnudrɔ̃ƒe ƒe nyadɔdrɔ̃ si ŋu woʋli nya le me, eye woaɖo kpe edzi be nunɔamesiawo nye domenyinu ƒe domenyinu ƒe akpa aɖe o.

Ne ƒometɔ si le nu xam la nya xe ga ɖeka tso woawo ŋutɔ ƒe gaxɔgbalẽvi dzi alo tsɔ woawo ŋutɔ ƒe gaxɔgbalẽvi ƒe xexlẽdzesi na ko la, dɔwɔƒea bua ƒometɔa be eyae xɔ fe la. Nudzɔla la ayi edzi abia be woaxe fe vaseɖe esime woaɖe ga si susɔ la katã ɖa le agbetsilawo ŋutɔ ƒe ga me.

Ame ŋutɔ ƒe agbanɔamedzi tsɔtsɔ sɔ kple domenyinu ƒe agbanɔamedzi¶

Gli si le se nu le ame ŋutɔ ƒe nunɔamesiwo kple domenyinu ƒe nunɔamesiwo dome gɔmesesee nye gɔmeɖoanyi na agbetsilawo ƒe fenyinyi taʋiʋli. Le Amerika, Canada, kple Britaintɔwo ƒe se siwo bɔ nu la, ame ƒe fewo metoa dzidzimewo me abe nunɔamesi ŋutɔŋutɔwo ene o. Fewo nye ame si do wo la tɔ koŋ, eye agbanɔamedzia nu tsona ne woku, eye ɖeko wòtsia agbe abe nusi woatsɔ abia nunɔamesi ɖesiaɖe si susɔ le sedzikpɔha si woyɔna be domenyinu si ku la me ene.

Dzro kplɔ̃ sia si ŋudɔ woate ŋu atsɔ asɔ kple wo nɔewo me be nànya amesi ƒe agbanɔamedzie fe ƒomevi vovovowo le le ku megbe le se nu:

Afɔɖeɖe ɖesiaɖe ƒe vovototodedeameme ƒe ɖoɖowɔɖi: nuƒoƒoƒu ƒe didiwo gbɔ kpɔkpɔ le ku megbe¶

Ne gaxɔdɔwɔƒewo dze kaƒoƒo gɔme ku ɖe ƒometɔ si ku ƒe gakɔnta ŋu la, wɔ ɖe dɔwɔwɔ ƒe ɖoɖo sia si wowɔ ɖe ɖoɖo nu dzi be nàtɔ te kaƒoƒoawo eye nàzi nudzɔlawo dzi be woawɔ ɖe domenyinumãgbalẽ ƒe sewo dzi:

Akpa 1: Ðo dziɖuɖu anyi eye nàƒo nuŋlɔɖiwo nu ƒu¶

Mègaɖo kpe ame ŋutɔ ƒe nyatakakawo dzi, aɖo kpe nunɔamesi siwo ku dzi, alo alɔ̃ ɖe edzi be ga le ye si tso ƒometɔa gbɔ o. Na nuŋlɔɖigbalẽ tɔxɛ aɖe nanɔ wò telefon gbɔ be nàlé kadodowo katã ɖe mɔ̃ dzi.

Ne nudzɔla aɖe ƒo ka la, gblɔ ŋuɖoɖo sia si sɔ ɖe ɖoɖo nu: "Ame si nèle ka ƒom na la ku. Mele nuŋlɔɖi wɔm tso dzeɖoɖo sia ŋu. Na wò dɔwɔƒe ƒe ŋkɔ bliboa si le se nu, wò adrɛs ŋutɔŋutɔ si nèɖo ɖe wò, fenyilaa ƒe ŋkɔ gbãtɔ, kple ga si wogblɔ be esusɔ."

Xɔ senyawo ŋuti nuŋlɔɖi vevi siwo gbɔna hafi nàwɔ dɔ bubu aɖeke le dɔdzikpɔkpɔ me:

• Ku ƒe Ðaseɖigbalẽ ƒe Kɔpi Siwo Ŋu Ðaseɖigbalẽ Le: Bia ku ƒe ɖaseɖigbalẽ ewo va ɖo wuieve siwo ŋu woɖo kpee tso miaƒe nutoa me nutome ƒe agbalẽŋlɔla ƒe dɔwɔƒe alo kuteƒedzikpɔla gbɔ. Fenyilawo, gadzraɖoƒewo, nugblẽfexehawo, kple gaxɔdɔwɔƒewo bia be woaŋlɔ kɔpi gbãtɔ siwo ŋu woɖo kpee kple nutrenu siwo wodo ɖe dzi hafi woate ŋu axe gakɔnta.
• Dɔdzikpɔkpɔ ƒe Lɛtawo alo Lɛtawo ƒe Nubabla: Ne wò ŋutɔe nye ame ŋutɔ teƒenɔla la, xɔ wò ʋɔnudrɔ̃ƒe ƒe ɖoɖo ƒe lɛta siwo dziɖuɖua da asi ɖo tso nutome ƒe domenyinu ʋɔnudrɔ̃ƒe ƒe agbalẽŋlɔla gbɔ. Nuŋlɔɖi siawo ɖo kpe ŋusẽ si le asiwò le se nu be nàkpɔ domenyinu ƒe asitsatsa mamlɛtɔ dzi.
• Akɔntabubu Ŋuti Nyatakakawo Katã: Ƒo gadzraɖoƒegbalẽvi siwo ku ɣleti sia ɣleti, gaxɔgbalẽvi ƒe fewo, aƒe ƒe fetu ŋuti nuŋlɔɖiwo, kple atikewɔwɔ ŋuti fewo nu ƒu. Ðo wo ɖe hatsotso siwo ŋu ɖoɖo le me: fe siwo ŋu kakaɖedzi le, adzɔ siwo woxena ɖe nu vevitɔwo ta, kple gaxɔgbalẽvi siwo ŋu kakaɖedzi mele o le goawo katã me.

flowchart TD
    A["Nudzɔla ƒo ka bia be woaxe fe na ƒometɔ si ku"] --> B["Deliver statement: Ame ɖekaɖekawo ku; na dɔwɔƒea ƒe adrɛs"]
    B --> C["Demand collector mail ƒe nyatakaka si woŋlɔ tso nusi wobia ŋu"]
    C --> D{"Wòe nye Dɔdzikpɔla alo Dɔdzikpɔla si woɖoa?"}
    D -->|"Ao"| E["Ðo FDCPA ƒe Dzudzɔ kple Dzudzɔ ƒe lɛta si woŋlɔ ɖe wò to posu si ŋu woɖo kpee dzi"]
    D -->|"Ẽ"| F["Kpɔe ɖa be wole domenyinu ƒe dodokpɔ wɔm hã"]
    F --> G["Fia mɔ nudzɔla be wòatsɔ Nubiabia ƒe Kpeɖodzi si le se nu ayi na domenyinu ʋɔnudrɔ̃ƒe"]
    G --> H["Kpɔ fenyilawo ƒe fenyinyi ƒe fesre si le se nu (zi geɖe la, ɣleti 3 va ɖo 12) ."]

Akpa 2: Kpɔ kadodo siwo menye dɔdzikpɔlawo o gbɔ (ɖevi tsitsiwo kple nɔviwo) .¶

Ne ɖevi tsitsi, nɔviwò, alo ƒometɔ gã aɖee nènye eye domenyinumãgbalẽ ƒe ʋɔnudrɔ̃ƒe meɖo wò be nànye sedzikpɔla alo dɔdzikpɔla o la, ke wò agbanɔamedzi le se nu nye zero. Le Fe Xɔxɔ ƒe Nuwɔna Dzɔdzɔe ƒe Se (15 U.S.C. Section 1692c(b)) nu la, fexɔla mate ŋu aɖo dze kple ame bubu aɖeke tsɔ wu nuƒlela, nuƒlela ƒe senyala, alo fedzikpɔla/edzikpɔla ku ɖe fexexe ŋu o.

Deliver this firm script: "Nyee nye ɖevi si ku, gake menye nye ŋutɔe nye domenyinu la teƒenɔla o, eye ŋusẽ mele asinye le se nu hã be makpɔ domenyinunyawo gbɔ o. Le 15 U.S.C. Section 1692c nu la, wode se na wò be màgate ɖe ŋunye ku ɖe fe sia ŋu o. Da nye telefon xexlẽdzesi ɖe wò ememe nusiwo màƒo ka na o ƒe xexlẽdzesi me enumake eye nàdzudzɔ kadodowo katã."

Ne nudzɔla la ƒo ka zi evelia le nyatakaka sia xɔxɔ vɔ megbe la, ke wowɔ sedzidada si ŋu woate ŋu awɔ afɔɖeɖe le le dukɔa ƒe se nu.

Akpa 3: Dɔdzikpɔla kple dɔdzikpɔla ƒe domenyinumãgbalẽ ƒe ɖoɖowo¶

Ne wòe nye dɔdzikpɔla si woɖo le se nu alo ame ŋutɔ teƒenɔla la, ke èle domenyinu dɔwɔƒea teƒe, gake wò ŋutɔ wò nunɔamesiwo gakpɔtɔ le vovo kura tso domenyinu ƒe fewo gbɔ:

• Ʋu domenyinu ƒe gaxɔgbalẽvi si woɖo ɖi: Mègatsaka domenyinu ƒe ga kple wò ŋutɔ wò gadzraɖoƒe ƒe gakɔnta gbeɖe o. Ʋu nunɔamesiwo ƒe gakɔnta le se nu le gadzraɖoƒe si nugblẽfexeɖoɖo le le domenyinu ƒe Dɔdzikpɔla ƒe Dzesidexexlẽdzesi (EIN) si IRS na la te. De domenyinu ƒe gaxɔgbalẽviwo, gagbugbɔɖoɖowo, kple nunɔamesi siwo woɖe ɖa la katã gakɔnta sia me.
• Ta Se ƒe Nyatakaka na Fenyilawo: Le ʋɔnudrɔ̃ƒe akpa gãtɔ la, dukɔa ƒe domenyinumãgbalẽ ƒe sewo bia tso ame ŋutɔ teƒenɔla si be wòata Nyatakaka na Fenyilawo le se nu ɖe ​​nutoa me nyadzɔdzɔgbalẽ aɖe me eye wòaɖo gbeƒãɖeɖe ɖe fenyilawo nya. Gbeƒãɖeɖe sia tata naa se ƒe xexlẽme sesẽ aɖe (zi geɖe la, ɣleti etɔ̃ va ɖo wuieve le dukɔa ƒe se nu) si megbe la, se xea mɔ na fenyilawo ƒe nya siwo katã wometsɔ yi ʋɔnui o la tegbee.
• Bibia be woatsɔ Kpeɖodzi si ku ɖe Nusiwo Wobia Ŋu ƒe agbalẽwo ɖo ɖe amewo le se nu: Na amesiwo katã yɔa gaxɔgbalẽviwo nanya: "Domenyinu la le domenyinumãgbalẽwo dzikpɔkpɔ me le se nu le [Nuto ƒe Ŋkɔ] Domenyinu ƒe Ʋɔnudrɔ̃ƒe, Nya Xexlẽdzesi [Docket Number]. Tsɔ wò Nubiagbalẽvi ƒe Kpeɖodzi si ŋu woɖo kpee la yi na domenyinu ʋɔnudrɔ̃ƒe ƒe agbalẽŋlɔla hafi fenyilawo ƒe nubiabia ƒe ɣeyiɣi mamlɛa naɖo. Domenyinu la mawɔ dɔ tso telefon dzi nudzɔdzɔ siwo womewɔ le ɖoɖo nu o ŋu o."

Domenyinu ƒe nunɔamesiwo tsɔtsɔ ɖo nɔƒe gbãtɔ kple domenyinu ƒe gaxɔmenɔnɔ ŋuti sewo¶

Ne ame aɖe ku esi wònyi fe geɖe wu woƒe nunɔamesi siwo wotsɔ ɖo kpe edzii ƒe asixɔxɔ bliboa la, wobua domenyinu la be enye nusi mate ŋu adzɔ le se nu o. Dukɔa ƒe domenyinumãgbalẽwo ŋuti sewo ɖoa ɖoɖo sesẽwo ɖe nusiwo woatsɔ aɖo nɔƒe gbãtɔ ŋu siwo gblɔa ɖoɖo si tututu nu wòle be woaxe fewo tso domenyinu ƒe ga siwo li me. Ele be ame ŋutɔ teƒenɔlawo nawɔ ɖe sedede sia dzi pɛpɛpɛ.

flowchart TD
    A["Domenyinu siwo woƒo ƒu ɖe domenyinu ƒe gaxɔgbalẽvi tɔxɛ aɖe me"] --> B["Akpa 1: Kuteƒe kple ameɖiɖi ƒe gazazãwo vaseɖe seɖoƒe si se ɖe mɔ na"]
    B --> C["Akpa 2: Domenyinu dzikpɔkpɔ ƒe gazazãwo, ʋɔnudrɔ̃ƒe ƒe fewo, kple senyawo ŋuti gazazãwo"]
    C --> D["Akpa 3: Dukɔa ƒe adzɔwo (IRS) kple dukɔa ƒe gakpɔkpɔ alo nunɔamesiwo ƒe adzɔwo"]
    D --> E["Tier 4: Dukɔa ƒe Medicaid Domenyinu Gbugbɔgaxɔ ƒe Ðoɖo (MERP) ƒe nyawo"]
    E --> F["Akpa 5: Atikewɔwɔ kple kɔdzi ƒe gazazã mamlɛawo tso dɔléle mamlɛtɔ me"]
    F --> G["Akpa 6: Fe siwo katã ŋu womede se ɖo o (Gaxɔgbalẽviwo, ame ŋutɔ ƒe gadodowo) ."]
    G --> H{"Ðe nunɔamesiwo ƒe ga vɔ hafi va ɖo Tier 6 lia?"}
    H -->|"Ẽ"| I["Domenyinu nye nusi mate ŋu adzɔ le se nu o: Tier 6 fenyilawo xɔa dɔlar zero"]
    H -->|"Ao"| J["Woma ga susɔeawo na domenyila siwo ŋkɔ woyɔ kple viɖekpɔlawo"]

Fexexe ƒe ɖoɖo si le se nu¶

Ne ga si nye dɔlar akpe blaatɔ̃ le domenyinu aɖe si gake dɔlar akpe alafa ɖeka le esi le ga si wobia tso esi la katã me la, gaxɔla mate ŋu axe fe na nudzɔla ɖesiaɖe si do ɣli sesĩe wu le telefon dzi ko o. Dukɔa ƒe domenyinu ƒe sewo de se be woaxe fe ƒe ɖoɖo si gbɔna:

1. Kunuwɔwɔ kple ameɖiɖi ƒe gazazãwo (Tier 1): Kunuwɔwɔ, ameɖiɖi, dzotɔtɔ ame kuku, kple ŋkuɖodzi gazazã siwo sɔ la xɔa nɔƒe gbãtɔ le se nu, le dɔlar ƒe seɖoƒe si sɔ si le se nu si dziɖuɖua ƒe se ɖo la nu.
2. Domenyinu dzikpɔkpɔ ƒe gazazãwo (Tier 2): Woxea domenyinu ƒe ʋɔnudrɔ̃ƒe ƒe agbalẽŋɔŋlɔ ƒe fewo, fiduciary bond ƒe fetu, domenyinu ƒe senyala ƒe fewo, asixɔxɔdzikpɔla ƒe fewo, kple ame ŋutɔ teƒenɔla ƒe se ƒe dɔdzikpɔha la kplɔe ɖo ale be senyawo nate ŋu awu enu.
3. Adzɔwo kple dziɖuɖu ƒe fewo (Tier 3): Fe siwo wonyi na United States dukɔa ƒe dziɖuɖu (IRS back taxes and final income taxes) kple dukɔa ƒe adzɔxehawo xɔa nɔƒe gbãtɔ bliboe wu asitsalawo ƒe fenyilawo le dukɔa ƒe se si ku ɖe nusiwo woatsɔ aɖo nɔƒe gbãtɔ ŋu (31 U.S.C. Section 3713) nu.
4. Medicaid ƒe nunɔamesiwo gbugbɔgaxɔ ƒe nyawo (Tier 4): Le dukɔa ƒe se nu la, ele be dukɔwo nadze agbagba axɔ ga si woxe ɖe ame tsitsiwo dzikpɔƒe dzi kpɔkpɔ ɣeyiɣi didi to Medicaid Domenyinu Gbugbɔgaxɔ (MERP) dzi tso amesiwo ku siwo xɔ ƒe blaatɔ̃ vɔ atɔ̃ kple edzivɔ ƒe domenyinu ƒe nunɔamesiwo me.
5. Atikewɔwɔ kple kɔdzi ƒe gazazã mamlɛawo (Tier 5): Atikewɔwɔ ƒe fe siwo womexe o, ɖɔkta ƒe fewo, kple kɔdzife siwo woxɔ le ame kuku ƒe dɔléle mamlɛtɔ alo kɔdzi nɔnɔ me.
6. Fenyila siwo ŋu kakaɖedzi mele o le goawo katã me (Tier 6): Gaxɔgbalẽvi ƒe ga si susɔ, ame ŋutɔ ƒe asidede agbalẽ te ƒe gadodo, asitsaƒe ƒe gakɔntawo, nuzazãwo ƒe fe siwo tsi megbe, kple zombie ƒe fe xoxowo xɔ nɔƒe si bɔbɔ wu.

Nukae dzɔna ne ga vɔ le domenyinu la me¶

Ne domenyinu aɖe ƒe nunɔamesiwo vɔ keŋkeŋ le kunuwɔwɔ ƒe gazazãwo, dɔdzikpɔkpɔfewo, kple adzɔxexe ƒe fexexe me la, domenyinu ƒe ʋɔnudrɔ̃ƒea gblɔna be domenyinu la mate ŋu axe fe ɖe eta le se nu o.

Ame ŋutɔ teƒenɔla la tsɔa Nudzraɖoƒe kple Akɔntabubu Mamlɛtɔ dea agbalẽ me si me woŋlɔa nu tsoe be domenyinu ƒe nunɔamesiwo vɔ le se ƒe nya siwo wotsɔ ɖo nɔƒe gbãtɔ wu ta. Ne wonya lé ŋku ɖe eŋu vɔ la, domenyinu ŋuti ʋɔnudrɔ̃la da asi ɖe akɔntabubua dzi eye wòdea sedede aɖe si wowɔ le se nu be woaɖe asi le ame si le dɔa dzi kpɔm ŋu eye wòatu domenyinu la. Fenyila siwo ŋu dedienɔnɔ mele o siwo le ɖoƒe siwo bɔbɔ ɖe anyi wu, siwo dome gaxɔgbalẽvi nana kple gaxɔdɔwɔƒewo hã le, xɔa dɔlar zero. Wotsia ga susɔe siwo katã womexe o la ɖa tegbee eye woŋlɔa wo ɖa be wonye adzɔhawo ƒe nusiwo womate ŋu axɔ o, si fia be fe si susɔ si susɔ la menyi fe si susɔ ɖe ga si susɔ o la alo ƒomea me tɔ siwo tsi agbe la o.

Nusiwo menye domenyinu ƒe nunɔamesiwo o takpɔkpɔ tso fenyilawo ƒe nudidiwo me¶

Nusi bɔ si tɔtɔ ƒome siwo tsi agbe la ku ɖe vovototo si le domenyinu ƒe nunɔamesiwo kple esiwo menye domenyinu ƒe nunɔamesiwo o dome ŋu. Ame kuku ƒe fenyilawo ate ŋu akpɔ nusiwo wobia tso ame si ƒe domenyinumãgbalẽ ƒe nunɔamesiwo me gbɔ. Nusiwo menye domenyinu ƒe nunɔamesiwo o la toa domenyinumãgbalẽ godo yia viɖekpɔla siwo woɖo la gbɔ tẽ eye wokpɔa wo ta tso fenyila siwo ku siwo ŋu kakaɖedzi mele o si me.

flowchart TD
    A["Ame kuku ƒe ƒometɔwo ƒe nunɔamesiwo ƒe agbalẽdzraɖoƒe"] --> B{"Aleke nunɔamesi la toa etɔnyenye me?"}
    B -->|"To Probate Court dzi"| C["Probate Assets: Enɔ te ɖe fenyilawo ƒe nyawo kple nusiwo wobia ƒe ɖoɖo nu"]
    B -->|"Domenyinu Domenyinu Godo to Se ƒe Dɔwɔwɔ me"| D["Nusiwo Menye Domenyinu Domenyinu O: Wokpɔ wo ta tso fenyila siwo ku siwo ŋu kakaɖedzi mele o si me"]
    C --> E["Gadzraɖoƒe ƒe gakɔnta siwo nye ame ɖeɖeko tɔ siwo me POD mele o"]
    C --> F["Ʋuwo kple anyigba siwo ƒe ŋkɔ woŋlɔ ɖe ame kuku ƒe ŋkɔ ɖeɖeko me"]
    D --> G["Agbe ƒe nugblẽfexeɖoɖo siwo me agbenɔnɔ ƒe viɖekpɔla siwo ŋkɔ woyɔ"]
    D --> H["Dzudzɔxɔxɔledɔme ƒe gakɔntawo (401k, IRA) kple viɖekpɔla siwo woɖo"]
    D --> I["Gadzraɖoƒe ƒe gakɔnta siwo ŋu woŋlɔ ŋkɔ ɖo be Fexexe le Ku Me (POD)."]
    D --> J["Aƒe ŋutɔŋutɔ siwo le Joint Tenancy with Right of Survivorship me"]

Nu vevi siwo menye domenyinu ƒe nunɔamesiwo ƒe hatsotso siwo wokpɔ ta na tso fenyilawo gbɔ¶

Ele be ƒomea me tɔ siwo tsi agbe nase ga siwo nye wo tɔ gɔme femaxee eye eme nakɔ:

• Agbe ƒe Nugblẽfexeɖoɖo ƒe Gakpɔkpɔ: Ga si wokpɔna tso agbe ƒe nugblẽfexeɖoɖo siwo woxe na agbenɔnɔ ƒe viɖekpɔla siwo woɖo la nye viɖekpɔla ɖeɖeko tɔ tso esime wòku. Le dukɔa ƒe nugblẽfexeɖoɖowo nu la, woɖea agbe ƒe nugblẽfexeɖoɖo ƒe ku ƒe viɖewo ɖa le fenyilawo ƒe nugblẽfexeɖoɖowo me. Dɔwɔƒe si xɔa gaxɔlawo mate ŋu aka asi agbemenugblẽfexexe ƒe ga si woxe na ɖevi alo srɔ̃tɔ si tsi agbe ŋu o.
• Dzudzɔxɔxɔledɔme ƒe Gakɔntabubu (401k, IRA, 403b, Dzudzɔxɔxɔledɔme): Dzudzɔxɔxɔledɔme ƒe ga si susɔ kple viɖekpɔla siwo woɖo siwo sɔ la toa viɖekpɔla la gbɔ tẽ le nubabla ƒe se nu, eye wotoa domenyinu ʋɔnudrɔ̃ƒea ŋu keŋkeŋ. Le Dɔwɔlawo ƒe Dzudzɔxɔxɔledɔme ƒe Gakpɔkpɔ ƒe Dedienɔnɔ Se (ERISA) kple dukɔa ƒe ablɔɖesewo nu la, wokpɔa ga siawo ta tso ame kukua ƒe fenyilawo si si dedienɔnɔ mele o gbɔ.
• Payable-on-Death (POD) kple Transfer-on-Death (TOD) Accounts: Gadzraɖoƒe ƒe gaxɔgbalẽviwo, gadzraɖoƒewo, kple asitsalawo ƒe gakɔnta siwo me POD alo TOD viɖekpɔlawo ƒe ŋkɔ dede agbalẽ me le se nu le la trɔna yia viɖekpɔla si ŋkɔ woyɔ la gbɔ enumake ne wotsɔ ku ƒe ɖaseɖigbalẽa ɖe go, eye wotoa domenyinumãgbalẽ ƒe nyawo gbɔ.
• Aƒewo haya kple Agbetsitsi ƒe Gomenɔamesi (JTWROS): Aƒewo alo gadzraɖoƒe ƒe gakɔnta siwo le wo si ɖekae kple agbetsitsi ƒe gomenɔamesi la tsɔa wo yia aƒetɔ si tsi agbe la gbɔ le wo ɖokui si to se ƒe dɔwɔwɔ me, evɔ womato domenyinu ƒe nunɔamesiwo me o.

Nusi to vovo koe dzɔna ne ame kukua do kpo viɖekpɔla gbagbe aɖe ŋkɔ yɔ alo tsɔ ŋkɔ be "Ame kukua ƒe Domenyinu" be enye viɖekpɔla. Le nɔnɔme ma me la, gaawo bu woƒe akpoxɔnu si menye domenyinu ƒe akpoxɔnu o, wokɔna ɖe domenyinu ƒe nunɔamesiwo me tẽ, eye wova zua fenyilawo ƒe nyawo.

Se ƒe ametakpɔkpɔ le FDCPA kple domenyinu ƒe sewo te¶

Dukɔa ƒe sewo kple dukɔa ƒe dziɖuɖu ƒe ɖoɖowo kpɔa ƒometɔ siwo tsi agbe ta tso fexexe ƒe aɖaŋu siwo blea ame me. Ne ènya gomenɔamesi siwo le Fewo Xɔxɔ ƒe Nuwɔna Dzɔdzɔe ƒe Sea nu la, ana nàdzudzɔ fexexe ƒe fuɖename eye nàbia dɔwɔƒe siwo da agɔ le nusiwo dome gblẽ le se nu.

flowchart TD
    A["Akpoxɔnu siwo le se nu ɖe fenyinyi ƒe fuɖename si ku ŋu"] --> B["FDCPA 15 U.S.C. 1692c: Eɖo seɖoƒe na kadodowo na dɔdzikpɔla ɖeɖeko"]
    A --> C["FDCPA 15 U.S.C. 1692e: Ede se ɖe alakpanyawo gbɔgblɔ be domenyila ƒe agbanɔamedzi ŋu"]
    A --> D["CFPB ƒe Ðoɖowo Ŋuti Mɔfiame: Ewɔa ɖoɖo ɖe ame kukuwo ƒe fexexe ƒe ɖoɖowo ŋu"]
    A --> E["Dukɔa ƒe Domenyinu Ŋuti Se Siwo Menye Nubiabia O: Woaxe mɔ ɖe nusiwo wometsɔ de agbalẽ me o nu tegbee"]

FDCPA ƒe se siwo ku ɖe nuƒlela siwo ku ŋu (15 U.S.C. Section 1692)¶

Le Fexexe ƒe Nuwɔna Dzɔdzɔewo ƒe Se kple CFPB ƒe Ðoɖowo ƒe Mɔfiame te:

• Kadodo ƒe Seɖoƒe Sesẽwo (Akpa 1692c(b)): Fenyila si le didim be yeaxɔ nuƒlela ƒe fe si ku la ate ŋu aƒo ka na srɔ̃tɔ si ku si tsi agbe, ame ŋutɔ teƒenɔla si ʋɔnudrɔ̃ƒea tia, gadzikpɔla, alo dɔdzikpɔla, alo fenyilawo ƒe senyala. Kadodo kple vi tsitsiwo, dzilawo, nɔviwo, alo ƒometɔ bubuwo be woaxɔ fe la nye dada le dukɔa ƒe se dzi negbe ɖe ƒometɔae nye amesi woɖo be wòaxe fea.
• Teƒe Ŋuti Nyatakakawo Ko (Akpa 1692b): Ne nudzɔla aɖe menya amesi le domenyinu la teƒe o la, ate ŋu aƒo ka na ame bubu aɖe be yeaxɔ ame ŋutɔ teƒenɔla ƒe kadodo ŋuti nyatakakawo ko. Nudzɔla mate ŋu agblɔ be fe le ame si ku la ŋu, adzro ganyawo me, alo aƒo ka na ame etɔ̃lia wu zi ɖeka o.
• Agbanɔamedzi ƒe Nyawo (Akpa 1692e): Woxe mɔ na nudzɔlawo vevie be woagagblɔ alo agblɔ be ƒomea me tɔ siwo tsi agbe la ŋutɔe axɔ fe siwo ku la o. Be woaflu amesiwo tsi agbe le woƒe agbanɔamedzi si le se nu ŋu, ŋɔdzidodo be yewoatsɔ nunɔamesi siwo menye domenyinu o la ade asi na ame, alo alakpatɔ gbɔgblɔ be woaxɔ domenyinu le esi la nye dada le dukɔa ƒe se dzi.
• Se ƒe Nugblẽfewo Kple Senyala ƒe Fewo (Akpa 1692k): Nudzɔla ɖesiaɖe si da le FDCPA dzi la axɔ nusiwo dome gblẽ ŋutɔŋutɔ, nusiwo dome gblẽ le se nu si ade dɔlar akpe ɖeka, kple nuƒlelawo ƒe senyala ƒe fewo katã kple ʋɔnudrɔ̃ƒe ƒe gazazãwo.

Dukɔa ƒe domenyinu ƒe se siwo menye nusiwo wobia tso ame si o¶

Dukɔ ɖesiaɖe wɔa domenyinu ƒe se aɖe si woyɔna be "Non-Claim Statute" dzi. Le se ƒe ɖoɖo siawo nu la:

• Ɣeyiɣi mamlɛ siwo woɖo ɖi na fenyilawo: Ele be fenyilawo natsɔ Nubiabia ƒe Kpeɖodzi si woŋlɔ ɖi le se nu la ade domenyinu ʋɔnudrɔ̃ƒea le ɣeyiɣi aɖe koŋ me, zi geɖe la, ɣleti etɔ̃ va ɖo ade le gbeƒãɖeɖea tata gbãtɔ na fenyilawo megbe, alo le ŋkeke blaade va ɖo blaasieke me tso esime woŋlɔ nyanya tẽ.
• Absolute bar on tardy claims: Ne fenyilaa do kpo eƒe gaxɔgbalẽvia do ŋgɔ na ɣeyiɣi mamlɛ si le se nu la, se xe mɔ ɖe nubiabia nu tegbee. Fenyilaa mate ŋu axɔ ga le domenyinu la me o, mate ŋu atsɔ nya ɖe ame ŋutɔ teƒenɔla ŋu o, eye mate ŋu ati viɖekpɔlawo yome o.

Afɔɖeɖe siwo wowɔna le se nu tsɔ tsi tre ɖe eŋu: nudidi si nye be woadzudzɔ dɔa wɔwɔ kple asiɖeɖe le dɔ ŋu la ŋɔŋlɔ¶

Ne gaxɔdɔwɔƒe aɖe yi edzi le ka ƒom na wò ku ɖe fe si wònyi le ƒometɔ si ku ŋu le esi nèna wonya be woadzudzɔe vɔ megbe la, ke ŋlɔ agbalẽ na FDCPA ƒe Dzudzɔ kple Dzudzɔ ƒe gbeƒãɖeɖe enumake.

Ðo lɛtaa to United States Posudɔwɔƒea ƒe posu si ŋu woɖo kpee dzi eye nàbia be nàtrɔe. Dzra lɛtaa ƒe kɔpi, posu ƒe gaxɔgbalẽvi, kple tɔtrɔyi ƒe agbalẽvi dama la ɖe wò agbalẽvi si anɔ anyi ɖaa la me.

Zã se ƒe nɔnɔmetata sia si woɖo ɖe ɖoɖo nu:

"Ŋkeke: [De Ɣletiŋkeke]."
Na: [Nudzɔla Dɔwɔƒe ƒe Ŋkɔ].
Adrɛs: [Nudzɔla ƒe Ablɔdzi Adrɛs].
Posu Xexlẽdzesi si Ŋu Woɖo Ðo: [De Tracking Number eme].

Re: Ame Si Ku ƒe Fe si Wogblɔ be: [Ame Kuku ƒe Ƒometɔ ƒe Ŋkɔ Blibo le Se Nu].
Akɔntabubu Xexlẽdzesi si Wogblɔ be: [De Akɔntabuƒe Xexlẽdzesi].

Ame Siwo Ate Ŋu Atsi Dzi Na:

Mele eŋlɔm tsɔ ɖo nya ŋu na miaƒe telefon dzi kadodo enuenu ku ɖe fe aɖe si wogblɔ be enyi le ame kuku si ƒe ŋkɔ míeyɔ ɖe etame ŋu.

Taflatse naɖo aɖaŋu na mi tso senya siwo gbɔna ŋu:

1. Ame ɖekaɖeka si nèle agbagba dzem be yeaxɔ nu tsoe, [Ame Kuku ƒe Ŋkɔ], ku le [Kugbe]. Wotsɔ kugbalẽ si dziɖuɖua da asi ɖo ƒe kɔpi kpe ɖe eŋu.
2. Nyee nye ame si ku [Tsɔ Ƒomedodo, abe viŋutsu alo vinyɔnu ene]. Menye ame si doa ga ɖekae alo amesi de asi agbalẽ te le se nu le gakɔnta sia dzi o, eye nye ŋutɔ nye se ƒe agbanɔamedzi aɖeke hã mele ŋunye le fe sia ta o.
3. [Tia Tiatia A alo Tiatia B]:
   • Tiatia A (Ne domenyinu aɖeke meli o): Ame kukua gblẽ domenyinu si mexɔ ga o si me domenyinu ƒe nunɔamesi aɖeke mele o. Womeʋu domenyinu ƒe domenyinu aɖeke o, eye womeɖo ame ŋutɔ teƒenɔla aɖeke o.
   • Tiatia B (Ne woʋu domenyinu ƒe domenyinu): Woʋu domenyinu ƒe domenyinu si woɖo ɖi le se nu le [Nutoa ƒe Ŋkɔ] Domenyinu ƒe Ʋɔnudrɔ̃ƒe, Docket Number [De Docket Number]. Miɖo nya siwo katã woabia le etsɔme la ɖe agbalẽ me na ame ŋutɔ teƒenɔla si ʋɔnudrɔ̃ƒea tia: [Ame ŋutɔ Teƒenɔla alo Domenyinu Ŋuti Senyala ƒe Ŋkɔ Kple Adrɛs].
4. Le Fe Xɔxɔ ƒe Nuwɔna Dzɔdzɔe ƒe Se (15 U.S.C. Section 1692c) nu la, wode se na wò vevie be màte ɖe ame bubu siwo menye domenyinu la teƒenɔla ŋutɔŋutɔ o ŋu o.
5. Le ƒe 15 teti U.S.C. Section 1692c©, mebia tso mia si le se nu be miadzudzɔ telefon kaƒoƒo, posu, kple kadodo siwo katã woɖona nam, nye aƒemetɔwo, kple nye dɔwɔƒe enumake eye miadzudzɔ.

Woaŋlɔ telefon dzi kadodo bubu ɖesiaɖe si tso miaƒe dɔwɔƒea gbɔ be eɖoe koŋ da le dukɔa ƒe se dzi eye woagblɔe na Nuƒlelawo ƒe Ganyawo Takpɔha, Dukɔa ƒe Asitsahabɔbɔ, kple Dukɔa ƒe Senyala Gãtɔ enumake.

Le dzi blibo me la, .
[Wò Ŋkɔ Blibo si Le Se Nu].
[Wò Posu Adrɛs]"

flowchart TD
    A["FDCPA ƒe Dzudzɔ kple Dzudzɔ ƒe lɛta si woŋlɔ le se nu"] --> B["Tsɔ ku ƒe ɖaseɖigbalẽ si ŋu woɖo kpee ƒe kɔpi kpe ɖe eŋu"]
    B --> C["Ðoe to USPS Certified Mail dzi kple Trɔtrɔxɔgbalẽvi si Wobia"]
    C --> D["Nudzɔla xɔa nudɔdɔ: Dukɔa ƒe se ƒe ɖoɖoezizi ƒe mɔ̃a wɔa dɔ"]
    D --> E{"Ðe nudzɔla gaƒoa ka na wò le eɖoɖo vɔ megbea?"}
    E -->|"Ẽ"| F["Nuŋlɔɖi yɔyɔ: Tsɔ FDCPA ƒe se ƒe nugblẽfexexe ƒe nya yi nuƒlelawo ƒe senyala gbɔ"]
    E -->|"Ao"| G["Nudzɔla tua faɛl; fuɖenamea nu tso tegbee"]

Nya siwo wobiaa amewo enuenu¶

Ðe ɖevi tsitsiwo nyia wo dzilawo ƒe gaxɔgbalẽvi ƒe fe alo atikewɔfewo domea?¶

Ao, ɖevi tsitsiwo menyia wo dzilawo ƒe gaxɔgbalẽvi ƒe fe, atikewɔfewo, alo ame ŋutɔ ƒe gadodo ƒe dome le Amerikatɔwo ƒe se si bɔ nu o. Ne dzila aɖe ku la, woƒe fe siwo ŋu womede se ɖo o la nyea woƒe domenyinu ƒe nunɔamesiwo tɔ koŋ eye ele be woakpɔ wo tso domenyinu ƒe nunɔamesiwo me, ke menye tso ɖevi siwo tsi agbe la ŋutɔ ƒe ga me o. Ne ga si sɔ mele dzila ƒe domenyinua me be woatsɔ akpɔ ga si susɔ la gbɔ o la, fenyilawo ŋlɔa feawo ɖa be wonye nusiwo womate ŋu axɔ o le fenyilawo si, eye ɖevi siwo tsi agbe la nyi fe si nye dɔlar zero.

Ðe fexɔla ate ŋu axɔ nye domenyinu atsɔ axe nye ƒometɔ ƒe fe si ku la?¶

Woate ŋu axe fe na fenyila tso nunɔamesi siwo to domenyinu ƒe ɖoɖo si wowɔ le se nu me ko, eye ne wotsɔ nya ɖe ame ŋu le ɣeyiɣi nyuitɔ dzi le domenyinumãgbalẽ ƒe ʋɔnudrɔ̃ƒe vɔ ko hafi. Nusiwo menye domenyinu ƒe nunɔamesiwo o siwo to nubabla ƒe se dzi na wò tẽ, siwo dometɔ aɖewoe nye agbe ƒe nugblẽfexeɖoɖo ƒe ga, 401k alo IRA dzudzɔxɔxɔledɔme ƒe gakɔnta siwo le viɖekpɔla siwo ŋkɔ woyɔ gbɔ, kple gadzraɖoƒe ƒe gakɔnta siwo ŋu woŋlɔ nu tsoe be woaxee le ku megbe la nye tɔwò ɖeɖeko eye wokpɔ wo ta le se nu tso ƒometɔ siwo ku la ƒe fenyilawo si si dedienɔnɔ mele o gbɔ.

Ðe mexɔa fe si srɔ̃nye si ku la ƒe agba ne míenɔ nutoa me nunɔamesiwo ƒe dukɔ aɖe mea?¶

Le nuto siwo me nunɔamesiwo le (abe California, Texas, Arizona, Washington, kple Nevada ene) me la, woate ŋu abia srɔ̃tɔ siwo tsi agbe ɖe fe aɖewo siwo srɔ̃tɔ si ku la nyi le srɔ̃ɖeɖea me ta, ne srɔ̃tɔ si tsi agbe ƒe ŋkɔ menɔ nubabla la me o gɔ̃ hã. Nutoa me nunɔamesiwo ŋuti sewo bua fe siwo wodo le srɔ̃ɖeɖe me be wonye nutoa me ƒe agbanɔamedzi siwo woaxe tso nutoa me nunɔamesiwo me. Gake fe vovovo siwo wodo do ŋgɔ na srɔ̃ɖeɖe alo fe siwo ŋu nunɔamesiwo ƒe nubabla vovovowo kpɔ ŋusẽ ɖo la gakpɔtɔ nye srɔ̃tɔ si ku la ƒe nunɔamesiwo ɖeɖeko ƒe agbanɔamedzi.

Nukae wòle be mawɔ ne gaxɔdɔwɔƒe aɖe ƒo ka bia be woaxe fe ɖe zãla ƒe kaɖi si ŋu woɖe mɔ ɖo ta?¶

Na nudzɔla la nanya enumake be ame si ŋu woɖe mɔ ɖo koe nènye le gakɔnta la me eye se ƒe agbanɔamedzi aɖeke mele asiwò ɖe ga si susɔ la ta o, eye nàfia wo be woatu gakɔnta la. Le dukɔa ƒe gadodo ŋuti sewo nu la, wonaa mɔnukpɔkpɔ ame siwo ŋu woɖe mɔ ɖo be woaxɔ ga le wo si gake womede asi gadodo ƒe nubabla si le ete la te gbeɖe o, si fia be woawo ŋutɔwo metsɔa ga si susɔ la ƒe agba aɖeke o. Be woabia fexexe tso ezãla si ŋu woɖe mɔ ɖo gbɔ esime wole gbɔgblɔm be yewoƒe agbanɔamedzie wònye le se nu nye fexexe ƒe nuwɔna si blea ame si da le Fexexe ƒe Mɔnu Dzɔdzɔe ƒe Se ƒe Akpa 807 dzi.

Nukae dzɔna ne sedzikpɔla aɖe xe fe na ƒomea me tɔwo hafi xe domenyinu ƒe fewo?¶

Ne fenyilawo alo ame ŋutɔ teƒenɔla ma domenyinu ƒe ga alo nunɔamesiwo na domenyilawo hafi fenyilawo ƒe fenyinyi ƒe fesre si le se nu la nu tso la, woate ŋu atsɔ fe ɖesiaɖe si womexe o la axɔ fetudzikpɔla la ŋutɔ. Le dukɔa ƒe domenyinumãgbalẽwo ŋuti sewo nu la, agba le ame ŋutɔ teƒenɔla siwo le se nu dzi be woaxe se ƒe nudidi siwo sɔ le ɖoɖo si sɔ nu hafi woama wo na viɖekpɔlawo. Ne gadzikpɔla aɖe ma ga kaba eye domenyinu la mete ŋu kpɔ kunuwɔwɔ, adzɔxexe, alo atikewɔwɔ ŋuti ga si sɔ gbɔ o la, ate ŋu ahiã be gadzikpɔla naxe ga si susɔ la tso woawo ŋutɔ ƒe kotoku me.

Mɔfiame siwo do ƒome kplii¶

• Srɔ̃tɔ si ku alo dzila ƒe fexɔla ƒe didiwo kple agbetsilawo ƒe gomenɔamesi siwo mexɔa agbanɔamedzi o
• Fenyilawo ƒe fuɖename: nya wò gomenɔamesiwo eye nàdzudzɔ kaƒoƒoawo
• Nukaɖela, gadzikpɔla, alo nuteƒewɔla si gbe be yemawɔ domenyinu ŋuti akɔntabubu o
• Gakuxi kpata: agbetsitsi enumake kple ametakpɔkpɔ
• Nyaʋiʋli si ku ɖe gaxɔgbalẽvi ƒe fexexe ŋu, ACH ƒe gaxɔgbalẽvi si ŋu womeɖe mɔ ɖo o, kple Sedede E