Woppude ñamaande ñalngu njoɓdi ACH ina ɓuuɓna, ñamaande tiitoonde oto, e ŋakkeende pawn¶

So tawii njoɓdi safaara ndi miijaaka, feewnitagol oto, walla ustude waktuuji golle, ina addana galle ƴettude 400 e nder teemedere (Annual Percentage Rate) ñamaande ñalnde njoɓdi, ñamaande tiitoonde oto yoɓaande wootere, walla tikket pawn njoɓdi toowndi, fenaande ndee ina ummoo e ñalngu njoɓdi maa garoowo oo. Ɗaɓɓaande juutnde ñamaale ina njuɓɓina ɗeen ñamaale mbele njoɓdi ɓurndi heewde e njoɓdi rollover ɓurndi heewde ina ustoo konte maa ƴeewndorɗe rewrude e lowre Automated Clearing House (ACH) e nder minit njoɓdi maa leydi, accude dolaruuji zero ngam rento, ñaamdu, walla kuutorɗe e doole ngam remediate-.

Ko ɓuri bonde nii, so ñamaande waawaa yoɓde ñamaande tiitoonde oto balɗe 30, ñamaande ndee ina waawi huutoraade kaɓirgal GPS to woɗɗi, walla neldude oto towɗo ngam nanngude oto galle oo potɗo yahde golle, hay so tawii oto oo ina foti yoɓde laabi joy njoɓdi ñamaande ndee. Dogde e ndee spiral ina ɗaɓɓi anndude huunde wootere teskinnde e nder sariya : ittude jokkorgal elektoronik ñamloowo ñalnde njoɓdi e konte maa banke ko huunde sariya 100 e nder teemedere e nder sariya banke, kadi a waawaa nanngeede walla sokeede ngam waasde yoɓde ñalnde njoɓdi siwil, njoɓdi njoɓdi, walla njoɓdi tiitoonde.

Waɗde ɗum jooni¶

1. E dow sariya, woppude yamiroore ACH ñamloowo ñalngu njoɓdi ko famɗi fof balɗe 3 ko adii ñalngu njoɓdi: E nder sariya Ameriknaajo jowitiiɗo e jolngo kaalis elektoronik (Regulation E) e sariyaaji bankeeji hakkunde leyɗeele jowitiiɗi e jolngo, aɗa jogii hakke timmuɗo ngam woppude kala yamiroore ñamloowo ngam yoɓde konte maa banke wti Reti ñamloowo e banke maa.
2. Yaltin yamiroore jokkude yoɓde to banke maa e ittude kala kaayitaaji debit jokkondirɗi: Ngam ñamlooɓe ñamlooɓe e internet ina keewi waylude innde njulaagu mum en ngam ustude bolokaaji njulaagu gooto, waɗ **jokkude yoɓde" laawɗuɗo e dow ID sosiyetee ACH ñamloowo oo e humpitaade yaltinde kaayitaaji debit kesi ormised plastik maa Limoore kaayitaaji 16.
3. Moƴƴin njoɓdi maa direct deposit to konte banke laaɓɗe ɗoon e ɗoon: So tawii njoɓdi ñalnde njoɓdi walla ñamloowo njoɓdi leñol ina fooɗa laabi keewɗi feccude debituuji tokoosi keewɗi ɗi rack up 35-dollar Non-Sufficient Funds (NSF) njoɓdi to banke maa jooni, udditaa konte ƴeewndo keso to banke maa direction e laawol njoɓdi maa ngol alaa ko jokkondiri e mum ko adii nde njoɓdi maa jogori arde.
4. Ɗaɓɓu peeje yoɓgol yaajɗe (EPP) ɗe ngalaa njoɓdi ko adii nde njoɓdi maa njoɓata: E nder ko ɓuri 20 dowlaaji Amerik (e nder kuule muñal FCA e nder leydi Angalteer e sariyaaji diiwaanuuji to Kanadaa), ñamlooɓe ñalɗi yoɓde e nder yeeyirdu e ñamlooɓe njoɓdi jogiiɓe yamiroore ina ɗaɓɓi e sariya ngam waylude njoɓdi maa free Peeje yoɓde yaajɗe 4-installment so aɗa ɗaɓɓa ɗum ko famɗi fof waktuuji 24 ko adii ñalngu nguu.
5. Ngam Auto Title Loans, ƴeewto so tawii ñamaande ndee ina luurdi e cappanɗe APR dowla walla sariya ñamlagol konu: So tawii oto maa ina hulɓinii e ñamlagol tiitoonde, ittu denndaangal kuutorɗe neɗɗo, leɗɗe, e jooɗorɗe sukaaɓe e nder bagaas oo jamma hannde oo, park e nder garaas hoɗorde lender maa operather, so tawii oto maa ina hulɓinii ko aldaa e sariya tawa alaa yamiroore laamu walla bonnude 36 e nder teemedere APR cap wonande ɓesnguuji konu.
6. Ngam Tickets Pawn potɗi yoɓeede hannde, yoɓa lewru wooturu riiba/joɓdi ɓeydugol desorɗe ngam haɗde ŋakkere: Ina wayi no ñamaale ñalɗi njoɓdi, njulaagu pawn gonngu e mbaydi kuuɓtodinndi ko bail collateral mo alaa ko rewrata ; so tawii lajal rimɗude timmii e udditgol golle hannde, tiitoonde jeewte maa walla kuutorɗe ndonaandi maa ina jokki haa abada to pawnbroker so wonaa tawa a yoɓii njoɓdi ɓeydugol lewru kala walla a kaaldii e binndol hold.

Yerondirde e 3 jokkere enɗam juutnde e cuɓe maa sariya¶

Sariyaaji feere-feere ɗon laama nyamdu nyalde yoɓugo/installment mo walaa ceede, nyamande tiitoonde nde moota, e tikketji pawn collateral. Aɗa foti ardinaade hol fartaŋŋe mo njiɗɗaa ustude e hol ngalu mo njiɗɗaa reende ko adii.

flowchart TD
    Crisis["Njaru Predatory Juutɗo Fotde E nder Waktuuji 72"] --> Type{"Hol sifaa ñamaande toownde?"}
    Type -->|"Ñalawma njoɓdi walla ñamaande limtaaɗe e internet"| EPPCheck{"Mbele Dowla/Leydi ina yamiri peeje yoɓde yaajnde tawa ko e njoɓdi?"}
    EPPCheck -->|"Eey (Ko ɓuri 20 Dowlaaji Amerik / Angalteer / Kanadaa)"| DemandEPP["1. Ɗaɓɓude peeje yoɓde 4-Pay No-Fee (EPP) ko adii ñalngu nguu"]
    EPPCheck -->|"Alaa (Walla Ñaamoowo/Leñol Jaɓaani)"| RevokeACH["1. Neldu Binndol Reg E Notice ACH Revocation to Lender AND Bank (3+ Balɗe Golle Ko adii Debit)"]
    DemandEPP --> RevokeACH
    RevokeACH --> BankShield["2. Yahdu Banke Stop Yoɓde, Woppude Kartal Debit Jokkondirngal, e Moƴƴinde Deposit Direct to Konte Banke Laaɓɗe"]
    Type -->|"Njaru Tiitoonde Oto (Oto e Risk)"| TitleStep1["1. Empty Denndaangal Kuutorɗe Golle, Meds, e Jawdi Neɗɗo Gila e Oto Ɗoon e ɗoon"]
    TitleStep1 --> TitleStep2["2. Ƴeewtaade sariya jowitiiɗo e riiba dowri & sariya ñamlagol konu (36% Cap Voiding Liens Title Illegal)"]
    TitleStep2 --> TitleStep3["3. Ɗaɓɓude Refinance Rescue Title-Loan CDFI Credit Union e nder sahaa ɓuuɓɗo walla Chapter 13 Otomatik Stay"]
    Type -->|"Ticket Pawn Shop ina joofna"| PawnStep1["1. Ƴeewto Mudda Moƴƴere e Ticket (Ko ɓuri heewde ko balɗe 30 haa 60 ko adii ñalngu nguu)"]
    PawnStep1 --> PawnStep2["2. Yoɓu Lewru Gooto Riiba/Njoɓdi Restoraaji Ko adii Ñalawma Cakkitiingo ngam Roll Ticket yeeso tawa a majjaani Item"]

Ɗatal-ɗatal: No sariya haɗirta ñamloowo ñalngu njoɓdi ngam ustude konte maa banke¶

So a winnditiima ngam heɓde ñamaande ñalnde njoɓdi e internet walla e nder defterdu, binndi laaɓtuɗi ɗii ina mbaɗi ACH Debit Authorization (e ko heewi heen ko yamiroore facture debit-card suuɗnde) ina addana ñamaande ndee yaltinde kaalis e konte maa ƴeewndo. E nder Sariya jolngo kaalis elektoronik to leyɗeele dentuɗe Amerik (15 U.S.C. § 1693e / Kuulal jolngo fedde E, 12 CFR § 1005.10©), Garanti jolngo to bannge jolngo e nder leydi Angalteer / jolngo jolngo to bannge jolngo FCA, e **Kuulal jolngo jolngo e Kanadaa ina jogii HA1 hakke sariya mo alaa ko waawi haɗde ngam haɗde jolngo kaalis elektoronik mo yamiraaka e kala sahaa. Hay so tawii nanondiral maa ñamaande ina wiya wonde "yamiroore ACH ina waawi wayleede", sariya banke fedde ndee ina fooɗta oon kuulal nanondiral.

Ɗatal 1: Neldude binndital Notice ACH Revocation to ñamloowo¶

Ko famɗi fof balɗe 3 timmuɗe ko adii debit ñalngu njoɓdi, neldu iimeel e ɓataake seedantaagal (walla ƴettu nate ekran (screenshot) gonɗe e portal mesaas ñamloowo oo e internet) tawa ina waɗi ndeeɗoo tinndinoore sariya laaɓtunde:

Maande: WOƊƊINDE ACH E JAŊDE DEBIT ELEKTRONIK: Konte #[Limlebbi 4 Cakkitiiɗi]

"E fawaade e sariya bankeeji fedde nde (15 U.S.C. § 1693e e 12 CFR § 1005.10 / kuule ngenndiije kuutorteeɗe ngam yoɓde njoɓdi), miɗo WAƊA yamiroore am haa abada ngam [Innde ñamloowo], sosiyeteeji mum mawɗi, kala golloowo yoɓde to CA debit, ƴeewndo elektoronik, ƴeewndo sosaango e woɗɗude, walla njoɓdi kartal debit e konte am ƴeewndo joofɗe e [XXXX] to [Innde Banke maa] walla kala konte kaalis goɗɗe ɗe njogiimi, ina fuɗɗoo ɗoon e ɗoon Kala ƴeewndo elektoronik ƴeewndaango caggal nde keɓ-mi ndee humpito, alaa ko yamiraa e mum."

Ɗatal 2: Yettin koppiiji Revocation e Yamiroore Stop Payment to banke maa¶

Hoto hoolaare ñamloowo ñalngu njoɓdi e internet ngam teddinde humpito maa ittugol e dow koye mum en. Ñalnde heen tigi:

1. Yah nder suudu banke ma walla noddu departemaa banke ma ngam jokkirgol ceede elektoronik / ACH Dispute.
2. Haalana ofisiye banke: "Mi ittii yamiroore am ngam [Innde ñamloowo] yoɓde konte am e nder kuulal E, kadi miɗo waɗa block ittugol duumotooɗo / Stop Payment Order e kala yoɓde ACH garooje e oo njulaagu."
3. Anndu ko seerndi Stop Payment gooto e Full Revocation Block: Won e kaalis bankeeji ina njiɗi yoɓde njoɓdi 30 dolaar ngam haɗde tan ko dolaar gooto. Haalan banke oo wonde a woppii yamiroore leslesre ndee fof (hokku ɓe koppi iimeel mo neldu-ɗaa ñamloowo oo). So tawii banke maa humpitaama wonde yamiroore ndee woppitaama, banke oo ina ɗaɓɓi e sariya e nder kuule E e kuule gollorɗe NACHA ngam haɗde denndaangal njoɓdiiji garooji e oon fuɗɗotooɗo, kadi so tawii ñamloowo oo ina soomi njoɓdi rewrude e no fotiri fof, banke maa **foti ko yoɓde 100 e nder teemedere kaalis maa (Nafunc njoɓdi ɓurtundi ndi pullo mo yamiraaka oo saabii).

Ɗatal 3: Woppu Kartal maa Debit plastik e foolde peeje "Fecce-Njulaagu".¶

Yahooɓe ñamlooɓe e internet ina kuutoroo peeje ɗiɗi bonɗe ngam heɓde ACH Stop Payment:

• Feere 1 (Faktirgol kaayitaaji debit): E nder ɗaɓɓaande ñamaande, ɓe naamndii limoore kaayitaaji maa Visa walla Mastercard 16 "ngam hoolkisaade anndinde ma." So tawii pullo maɓɓe ACH oo haɗaama e banke maa, ordinateer maɓɓe ina wayla otooji ɗii, ina dogna yoɓde ndee no soodgol kartal debit to nokku yeeyirde nii. Fooyre: Noddu banke maa hannde, mbiyaa wonde kaayitaaji kaayitaaji maa ina ngondi e juuɗe njulaagu nguu, naamndo-ɗaa banke oo yo woppu kaayitaaji ɗii haa laaɓa, yaltina limoore kaayitaaji kesi 16 (kadi naamndo-ɗaa banke oo yo haɗ "Visa Account Updater new Automatic Up otomatik ina neldee e yeeyooɓe rewrude).
• Feere 2 (Innde-Hopping e Micro-Splitting): So debit 600 dolaar uddaama, ñamlooɓe fenaande ina mbayla innde sosiyetee mum en ACH seeɗa, ina mberloo debituuji jeegom ceertuɗi 100 dolaar e nder jamma gooto. Countermeasure: So tawii a ñamliima e ñamloowo mo alaa yamiroore e nder geec walla e nder leñol, ganndiraaɗo yejjiteede e bolokaaji ACH, ko ɓuri sellude ko udditaade konte ƴeewndo keso to banke goɗɗo walla senndikaa njoɓdi, nawde njoɓdi maa direct deposit to banke keso oo hade njoɓdi maa uddude e konte banke ɓooyɗe ɗee, ittude konte maa closhing theold tose walla waɗde ɗum e ngonka "Deposit-Tan / Posto Alaa Debit".

Huutoraade hakke maa e 0% e peeje yoɓde yaajɗe (EPP)¶

Ko adii nde njoɓataa ñamaande ñalnde njoɓdi walla e internet, ƴeewto so tawii dowla maa walla leydi maa ina doga ñamaande ndee ngam rokkude Peeje yoɓde yaajɗe (EPP) walla Cooling-Off Cancellation :

• Hakke 24-72-Hour Cooling-Off Rescission: E nder ko famɗi fof kala juɓɓule ɗo ñamlagol ñalnde njoɓdi rewindaa (e nder sariya UK Consumer Credit Act hakke ñamlagol ñalnde njoɓdi hanki e faamde hannde ko fenaande the rexain store, aɗa waawi balɗe 1 haa 3 golle (walla balɗe 14 to leydi Angalteer) e ittude ñamaande ndee tawa joɓdi mum alaa e riiba.
• Peeje yoɓgol yaajngol 4-installment (EPP): So tawii aɗa hoɗi e gooto e dowlaaji Amerik ɓurɗi 20 ɗi yamiroore yoɓde yaajnde (ina heen Kaliforni, Kolorado, Delaware, Florida, Idaho, Illinois, Indiana, Louisiana, Michigan, Nevada, New Mexico, Virginia, Washington, Utah, Wisin a ñamloowo jeyaaɗo e Fedde toppitiinde kaalis renndo Amerik (CFSA):
  1. Aɗa foti ɗaɓɓude Peeje Yoɓde Yaajnde ko famɗi fof ñalngu 1 golle ko adii nde ñamaande maa yoɓetee (woto ɗaɓɓu haa ñalngu caggal nde ƴeewndo maa ustii).
  2. Yahdu nder defterdu malla nastu nder portal ma nder laylaytol ngol, mbi'aa: "Miɗo huutinira hakke am dow kuugal yoɓugo."
  3. E dow sariya, ñamloowo oo ina foti feccude njoɓdi maa jooni ndii e 4 yoɓde potnde saaktude e nder balɗe yoɓde maa 4 garooje ɗee tawa joɓdi rollover ɓeydaandi e njoɓdi ɓeydaandi, kadi o waawaa ruttaade e ko mooftirtee tawa aɗa waɗa yoɓde 4 ɗee.

Emergences Loan Auto Title : dartinde ƴettugol otooji¶

Auto title loan (ina wiyee logbook loan to leydi Angalteer) ɓuri bonde e ñamaande ñalnde njoɓdi sabu a siifondirii e dow seedantaagal tiitoonde oto maa. So ñamloowo oo ŋakkiraama ñamaande tiitoonde 1 000 dolaar, ñamloowo oo ina waawi heɓtude oto 10 000 dolaar mo ɓesngu nguu tuugnii e mum ngam golle e jaŋde.

flowchart TD
    TitleDefault["Auto Title Loan Ɓooyɗo Due walla Resndo Hulɓinaama"] --> LegalCheck{"Mbele Title Loan ina waawi huutoreede e nder leydi mon?"}
    LegalCheck -->|"Konu walla Dependant gonɗo e golle"| MLA["1. Ñamaale ina luurdi e sariya ñamlagol konu fedde nde (36% APR Cap & Title-Pawn Ban): Kontraa oo ko Ɓooyɗo e sariya gila e fuɗɗoode"]
    LegalCheck -->|"Dowla ina haɗi ñamlagol tiitoonde walla Caps APR e 36%"| VoidState["1. Yahoowo tiitoonde mo alaa yamiroore/yaasi leydi waawataa huutoraade Lien e dow sariya: Fiilde AG & Wullitaango Regulator Banke"]
    LegalCheck -->|"License Title Loan e nder Dowla Jaɓɗo"| ProtectCar["1. Ittude Kuutorɗe, Meds, Laptop, e Joɗnde Sukaaɓe E Oto Jamma Hannde"]
    ProtectCar --> BreachPeace["2. Anndu Sariya ‘Breach of the Peace’: Tow Driver Waawaa Naatde e Garaas Kokaaɗo walla Huutoraade Doole Ɓanndu"]
    BreachPeace --> CureOrRefi["3. Huutoraade Winndere ‘Hakke Safrude’ WALLA Refinance e laawol CDFI Credit Union / Faandaare 13 Jogaade Otomatik"]
    CureOrRefi --> Surplus["4. So tawii Oto Nangaama, Yeeyetee, Ɗaɓɓu Yoɓde ‘Surplus Equity’ (Coggu yeeyirde ina usta njoɓdi ñamaande)"]

1. Ƴeewtaade so tawii ñamaande tiitoonde ndee ko nde rewaani laawol haa laaɓi, nde alaa ko nafata¶

Ko adii nde ndokkataa coktirgal maa, hoolkiso so tawii ñamloowo oo bonnii sariya fedde ndee walla sariya leydi ndii nde o rokkata ñamaande ndee:

• Sariya ñamaale konu (MLA) Haɗi timmuɗo: E nder sariya fedde nde (10 U.S.C. § 987), ko huunde nde haɗaani kala ñamloowo ñamaale tiitoonde otooji ko ɓuri 36 e nder teemedere e nder teemedere e nder teemedere (MAPR) to tergal mum golloowo e nder leydi ndi jom suudu/jom suudu. Kala ñamaande tiitoonde waɗaande e dow fenaande MLA ko void gila e fuɗɗoode mum, firti ko lien e tiitoonde oto maa ina selli, ñamaande ndee waawaa heɓtude oto maa e dow sariya. Jokkondir e biro maa Ballal Sariya (JAG) ɗoon e ɗoon.
• Njaru tiitoonde hakkunde keeri walla e internet e nder Dowlaaji Cap : Ko ɓuri feccere e dowlaaji Amerik ina kaɗa ñamlude tiitoonde otooji tawa ko e dow yamiroore walla cappanɗe joyi e 24 haa 36 e nder teemedere APR (ina heen New York, New Jersey, Connecticut 500 e 10 000 dolaar). So tawii ñamloowo e internet foolii ma ngam yahde e laawol dowla walla neldude tiitoonde maa to dowla goɗɗo ngam daɗndude cappanɗe riiba dowla maa, Awokaaji dowla e awokaaji ballal sariya ina mbaawi heewde haɗde repossession ko no kontraa usury mo sariya haɗi.

2. Hakkeeji maa ɓalliwal e dow sofereeɓe tow-truck ("Breach of the Paix")¶

E nder sariya njulaagu gooto, kuulal 9-609 (UCC § 9-609), ñamloowo tiitoonde secured ina waawi heɓtude oto tawa alaa yamiroore ñaawirdu so tawii tan ina waawi waɗeede tawa alaa "Breach of the Peace." Janngu doggol amen timmungol e dow hakkeeji heɓtude otooji e heɓtude ɗum en ngam humpitaade ko heewi:

• Sofer tow waawaa udditaade damal garaas hoɗorde udditiinde walla taƴde damal coktirgal: So tawii repo agent ina waawi towde oto maa gila e laawol udditiingol, e nokku ɗo apartamaa oo woni ɗoo, walla e laawol gollorde, ɓe mbaawaa taƴde padlock, udditaade damal garaas udditiingal byrit, walla naatde e covintlo without sign ñaawoowo.
• So tawii aɗa woni e ɓanndu maa, aɗa jaɓa e haala hade oto oo jolneede, ɓe poti ko dartaade: So aɗa yaha e yaasi tawa towɗo oo ina hesɗitina oto maa, aɗa wiya e dow deeƴre, "Miɗo jaɓa ndee jolngo; jippaa e jeyi am," jokkude jolngo e dow jolngo maa yeeso e yeeso illegal of Peace. (Woto meeɗ huutoraade doole ɓalli, kaɓirɗe, walla kulhuli, kadi woto meeɗ diwde e oto mo ƴettaa tawo e dow boom tow, ko ɗum huunde hulɓiniinde nguurndam.)
• Softinde walla naamndo jikkuuji GPS Starter-Interrupt ɗi ngonaa sariya: Heewɓe e ñamlooɓe tiitoonde ina mbaɗa kaɓirgal GPS dashboard ngal bip e softinde fuɗɗoode ignition maa so yoɓde maa ñalnde wootere leeltinii. Ko huunde nde rewaani laawol so tawii ñamloowo ina udda moteri oto so oto oo ina diwa walla ina jokki e yahde, kadi so aɗa yiɗi oto oo ngam safrude ko yaawi, ɗaɓɓu e ñamloowo oo kode 24 hojom (code override) e nder waktuuji 24, winndu jaɓgol ngol.

3. Ɗaɓɓude "Surplus Equity" maa so tawii oto oo yeeyaama¶

So tawii ñamloowo tiitoonde heɓtii oto mo njoɓdi mum tolnii e 8 000 dolaar ngam yoɓde ñamaande tiitoonde 1 500 dolaar, o soodi oto oo e 7 000 dolaar, ñamoowo oo yamiraaka yoɓde 5 500 dolaar ɓeydaaɗo oo les UCC § 9-615 (e nder ko famɗi fof dowlaaji so wonaa junngo tokooso jogiingo nate keertiiɗe pawn-forfeiture). Yamiroowo oo ina foti yoɓde ma 100 e nder teemedere e hedde njoɓdi yeeyirde ko ɓuri njoɓdi ñamaande ndee e njoɓdi towing potndi. Ɗaɓɓu binndital Hiisa njeeygu e nder balɗe 14 caggal kala yeeyirde ƴettugol.

Tikkeeji pawn : no hisnirtee ndonu galleeji e kuutorɗe golle e majjere¶

Nanduɗo e ñamaale ñalɗi njoɓdi walla tiitoonde, njulaagu pawn waɗataa ƴeewndo ñamaale, waawaa neldeede e ñamaale ñamaale, kadi meeɗaa bonnude limto ñamaale maa so a yoɓaani ɗum. Kono, pawnbroker ina jogii jeyi ɓanndu e kaɓirɗe maa kaŋŋe, kuutorgal, balɗe, walla kuutorɗe golle, so ñalngu maturity ɓeydi heen dumunna mo sariya yamiri timmi, jeyi oo ina wayloo otomatikk to pawn (forfeiture).

1. Janngu Ñalngu Maturity e Mudda Moƴƴere e dow tikket maa pawn: Dowlaaji pawn dowlaaji ina ɗaɓɓi mudda ñamaale ɓurɗo famɗude (ko heewi ko balɗe 30) rewi heen ko duuɓi moƳƳere (ko ɓuri heewde ko balɗe 30 haa 60 ɓeydaaɗe e nder New York e Florida mont4 h ina waawi waɗde huunde maa ngam yeeyde e dow lowre yeeyirde.
2. Yoɓ TAN lewru riiba/kaalis ngam "Roll Over / Renew" tikket: So tawii ñalngu maa cakkitiingu nguu ko hannde, aɗa jogii 40 dolaar kono wonaa 400 dolaar potɗo soodde huunde maa ndee e timmude, naataa e nder pawn shop ko adii nde udditaa waktu oo, yoɓa 1-month service fee /t pawnn. E nder fotde kala dowla, yoɓde njoɓdi lewru kala e dow sariya ina hesɗitina e ina ustoo tikket pawn ngam balɗe 30 haa 90 timmuɗe goɗɗe, haɗa huunde maa ustaade e nokku yeeyirde.
3. Ɗaɓɓu binndol korsa so tawii aɗa juuti balɗe 3: Sabu yeeyirdu nokkuure ndee ina heewi yiɗde mooftude lewru kala njuuteendi mum e soodoowo rewtinoowo e dow feewnude e yeeyde kuutorɗe kuutoraaɗe walla jokkere enɗam, noddu gardiiɗo yeeyirdu ko adii nde dumunna moƴƴo oo joofata (so ordinateer oo joofnata inventory retail ɗo clerks mbaawaa waylude ɗum) e naamnaade hold balɗe 7 siynaaɗe jokkondirɗe e tikket maa.
4. Hol ko woni so tawii pawn shop majjii, bonnii, walla yeeyi huunde maa ko yaawi?: Nde njogiɗaa jawdi maa e nder dumunna ñamaale e moƴƴere, pawn broker ina jogii fartaŋŋe toppitaade ko woni bailee ngam nafoore hakkunde mon. So tawii yeeyirdu nduu soodii cirƴam neene maa balɗe ɗiɗi ko adii nde dumunna mo sariya yamiri oo timmata, walla majjii huunde maa e nder suudu caggal, ɓe poti ko yoɓde ma nafoore lomtinande luumo timmungo huunde ndee (wonaa tan njoɓdi ñamaande tokosere nde ɓe ndokki ma ndee). Habrirde yeeyirde ko yaawi ɗoon e ɗoon to nokku maa Departemaa Polis Pawn Unit e njuɓɓudi laylaytol dowri.

Alternatiiji emergency ngam daɗde e cirƴam rollover ñalngu njoɓdi¶

So a udditii jolngo ACH e konte maa ƴeewndo, huutoro ɗeeɗoo geɗe hoolkisaaɗe ɗe njoɓaaka ngam dartinde bidsee galle maa tawa a meeɗaa ruttaade e defterdu njoɓdi :

• Njalawmaaji goɗɗi ñalngu njoɓdi (PALs I & II) ummoraade e Senndikaaji Fedde Ngenndiije Dentuɗe: Senndikaaji Fedde Ngenndiije Dentuɗe e nder leyɗeele dentuɗe Amerik ina ndokka Njaru ñamlagol ñalnde njoɓdi rewrude e 200 haa 2 000 dolaar tawa njoɓdi mum ina tiiɗi e 28 e nder teemedere APR (so yerondiraama e 400 e nder teemedere e nder defterdu njoɓdi ñalnde kala e lewru kala), njoɓdi ɗaɓɓaande mum ina tolnoo e 100 000 000 dolaar e nder balɗe tokoose.
• Juɓɓule kaalis ƴellitaare renndo (CDFIs) e Porogaraamuuji Ƴellitaare Njaru Tiitoonde: CDFIs ɗi ngalaa ngartam e senndikaaji ñamlagol ɗi ngalaa ngartam ina njogii porogaraamuuji keertiiɗi "Soodeede ñamaale / Hisnude ñamaale tiitooɗe" ɗi njoɓata 300 e nder teemedere APR e lomtinande ɗum e ñamlagol maa yoɓde ko 60 haa 80 e nder teemedere.
• Programmes Hardship Utility e 211 Grants: Woto meeɗ ƴettude ñalngu njoɓdi walla ñamaande tiitoonde ngam yoɓde njoɓdi kuuraa, gaas, walla ndiyam. Sosiyeteeji kuutorɗe ina ɗaɓɓi e komisiyoŋaaji kuutorɗe laamu ngam rokkude lebbi 12 haa 24 peeje yoɓde lebbi, udditgol winndere/duuɓi, e dokke LIHEAP ɗe ngalaa riiba. Ƴeew doggol amen e... caɗeele kaalis ɗoon e ɗoon ngam nafoore e triage nguura.

Doggol ƴeewndo Triage ngam haɗde ŋakkeende ñamaale predator¶

Rewtu ndee doggol ƴeewndo hannde hade njoɓdi maa garoowo artude:

• Yettini binndol Notice of ACH Revocation e iimeel e mail seedtinaaɗo e kala ñalngu njoɓdi walla ñamloowo njoɓdi toowndi to internet ko famɗi fof balɗe 3 golle ko adii ñalngu njoɓdi.
• Hokkude koppi ACH Revocation to banke maa e waɗde Blok Stop Payment / Revocation duumotooɗo e dow ñamloowo oo.
• Woppitii kaayitaaji maa debit gonɗi e palastik e ɗaɓɓude limoore kaayitaaji kesi 16-digit ngam ñamlooɓe mbaawa dogginde pullo kaayitaaji debit backup.
• Udditii konte ƴeewndo laaɓtuɗe to senngo njoɓdi walla banke mo alaa ko jokkondiri e mum, kadi nawti njoɓdi maa direct deposit toon so tawii aɗa haɓa e ñamlooɓe e internet ɓe ngalaa liiseeji.
• Ɗaɓɓu 0% Pewnugol yoɓde yaajngol (EPP) so tawii ko ñamaande e ñamloowo njulaagu jogiiɗo yamiroore e nder leydi EPP.
• Itti denndaangal kuutorɗe golle neɗɗo, leɗɗe, e geɗe tedduɗe e nder oto maa so tawii ñamaande tiitoonde oto ina ŋakki.

Naamne keewɗe naamneede¶

Fuɗɗoode ƴeewtaama¶

• Biro toppitiiɗo kaalis ñamlooɓe (CFPB, leyɗeele dentuɗe Amerik): Sariya jolngo kaalis elektoronik (Kuulal E) Hakkeeji ñamlooɓe: Woppude Debituuji ACH ɗi njaɓaaka ko adii e ñamlooɓe ñalɗi njoɓdi, e Kuulal ƴettugol njoɓdi ñamlooɓe ñalɗi njoɓdi.
• Komisiyoŋ njulaagu fedde nde (FTC, leyɗeele dentuɗe Amerik): Golle ƴettugol ñamaale ɗe ngonaa sariya, fenaande fenaande, e kuule ƴettugol ñamaale tiitoonde otooji.
• Departemaa Defaas e Biro Reende Kaalis (DoD / CFPB, Amerik): Sariya ñamaale konu (MLA, 10 U.S.C. § 987): 36% MAPR Cap e haɗde ñamaale tiitoonde otooji wonande terɗe sarwiis.
• National Consumer Law Center (NCLC, leyɗeele dentuɗe Amerik): Njaru nguurngu : Ñamaale ñalɗi njoɓdi toowɗi, ƴettugol tiitoonde otooji, kuulal 9 kuule njulaagu goote Ɓooygol jam, e njulaagu pawn.
• Laamu njuɓɓudi kaalis e wasiyaaji ɓiɓɓe leydi (FCA, leydi Angalteer): Kaɓirɗe coggu njoɓdi juutndi (ñalngu njoɓdi) toowndi, hakkeeji ustude njoɓdi njuɓɓudi njoɓdi jokkondire (CPA), e ndeenka njoɓdi deftere.

Ardiiɓe jokkondirɓe¶

• Reende ñamaale ƴaañooje
• Hakkeeji heɓtude otooji e heɓtude ɗum en
• Ñamaale ñamaale
• Caɗeele kaalis ɗoon e ɗoon