Okuyimiriza Self-Storage Unit Lien Auction n'okununula ebintu ebikulu¶

Bw’ofiirwa ennyumba yo n’ogenda mu mmotoka, ekifo we basula oba mu kifo eky’ekiseera, ekifo ekipangisa eky’okwetereka kitera okubeera ne buli kimu ky’otosobola kutambuza: satifikeeti z’amazaalibwa, paasipooti, ​​kaadi za Social Security, ebiwandiiko by’omusolo, ebyuma eby’obujjanjabi, ebikozesebwa ku mulimu, engoye ez’omu kiseera eky’obutiti, n’ebifaananyi by’amaka. Okwawukanako ne landiroodi w’amayumba alina okuwawaabira mu kkooti n’alinda ekiragiro ky’omulamuzi nga tannagoba mupangisa, abaddukanya ebifo eby’okweterekera kumpi mu buli kitundu kya Amerika, essaza ly’e Canada, n’ekitundu kya Commonwealth balina ebbanja eriri mu mateeka ebbanja ly’omuntu eyeeyambisa sitoowa oba omuddukanya. Singa osigala emabega ku ssente z’obupangisa z’okutereka buli mwezi ennaku 5 ku 14, ekifo kino kisobola okuggyako passcode yo ey’ekikomera ne kiteeka overlock ya kkampuni ku mulyango gwo ogw’okuzingulula. Singa default egenda mu maaso okumala ennaku 30 ku 90, omuddukanya asobola okusala padlock yo n’atunda ebiri mu unit yo ku public lien auction nga tagenze mu kkooti.

Okuzuula nti ekifo kyo eky’okutereka kibadde kisukkiridde oba nga kitegekeddwa ku ffulaayi ku yintaneeti ku mikutu nga StorageTreasures oba Lockerfox, kya mangu. Naye, abaddukanya ebifo n’ebifo ebikubirwamu essimu batera okulekawo emitendera egy’okulangirira egy’amateeka egy’ekiragiro oba okugaana okusengulwa okw’ekitundu okusengulwa abaddukanya ebitundu kwe bakkirizibwa okukkiriza. Ne bwe kiba nti yuniti yo yagulwa dda ku ffulaayi, amateeka g’eggwanga galagira nti omuguzi wa ffulaayi awangudde alina okuzzaayo ebifaananyi byo eby’obuntu, ebiwandiiko by’amateeka, ebiwandiiko by’omusolo, n’ebintu by’amaka, era nga kyetaagisa ekifo okukusasula ensimbi zonna ezisukka mu ffulaayi ezisukka ku ssente z’obupangisa zo eziyise. Ekitabo kino kinnyonnyola engeri y'okukozesaamu Eddembe lyo ery'Okununula eriri mu mateeka, okubala ekiwandiiko ky'ekifo kino eky'okutwala ssente mu kifo kino okulaba oba waliwo obuzibu mu mateeka obuyimiriza okutunda, okuteesa ku kugonjoola ensonga ya "Pay-and-Vacate", okukozesa obukuumi bw'amagye obukola emirimu, n'okuzzaawo empapula z'omuntu ku bubwe oluvannyuma lwa ffulaayi okuggalwa.

Kino kikole kati¶

1. Kuuma obukuumi bwo obw’omubiri era tosalako kizibiti ky’ekifo oba okumenya yuniti yo. Bw’oba oyolekedde ekizibu eky’amaanyi eky’obujjanjabi ng’ogezaako okununula eddagala okuva mu kifo ekikubiddwa kkufulu, kuba ku nnamba y’amangu mu kitundu kyo (911 mu Amerika ne Canada, . 112 okwetoloola omukago gwa Bulaaya, . 999 mu Bungereza) nga bakozesa yaffe ennamba z’amangu dayirekita. Tokozesangako bisala bya bulooti ku overlock emmyufu y’ekifo; okusala kkufulu y’ekifo awaterekerwa ebintu kivunaanibwa ng’okumenya mu by’obusuubuzi, ekivaamu okukwatibwa ng’ebintu byo bisigala nga bisibiddwa.
2. Manya olunaku lwennyini, essaawa, ne URL ya yintaneeti eya ffulaayi etegekeddwa amangu ddala. Kuba essimu y’omuddukanya ekifo, kebera ebiwandiiko byonna ebikakasibwa ebya mail, email, oba obubaka by’ofunye, era onoonye emikutu gy’olukale egy’okutereka ku yintaneeti (StorageTreasures.com, . Lockerfox.com, . StorageAuctions.com, oba iBid4Storage.com) ng’oyingiza koodi ya posta y’ekifo ekyo. Noonya ebifaananyi bya yuniti yo eggule olabe oba ekifo kyasala dda kkufulu yo ey’obuntu.
3. Kozesa Eddembe lyo ery’okununula ery’enkomeredde mu mateeka nga gavel ya ffulaayi tennagwa. Mu buli tteeka ly’essaza ery’okwetereka lien mu Amerika n’etteeka ly’amasaza erya Warehouse Lien Act mu Canada, olina eddembe ery’amateeka ery’enkomeredde okuyimiriza ffulaayi essaawa yonna ng’akaseera okutunda tekunnaggwa ng’osasula bbalansi y’ebbanja mu nsimbi ezikakasibwa (ensimbi enkalu, money order, oba ceeke ya kasitoma). Bw’omala ttenda y’okusasula mu bujjuvu nga ffulaayi tennaggalwa, ekifo kino kirina okusazaamu okutunda n’okuzzaawo okuyingira kwo.
4. Wabula ekiwandiiko "Notice of Lien Defect" oba "Declaration in Opposition to Lien Sale" singa ekifo kimenya amateeka g'okulangirira mu mateeka. Kebera oba ekifo kyalinze omuwendo gw'ennaku eziragirwa mu mateeka, kyaweereza ekiwandiiko ku ndagiriro yo oba email yo erongooseddwa nga bwe kyetaagisa mu mateeka g'eggwanga, era ne kifulumya akalango aketaagisa mu mateeka. Mu masaza nga California (Business & Professions Code § 21705 to 21706), okuzzaayo ebbaluwa Ekirango ekiwakanya okutunda ebbanja ekissiddwako omukono mu mateeka kiwaliriza ekifo awaterekerwa ebintu okusazaamu ffulaayi y’okweyamba n’okuwawaabira mu kkooti y’obwannannyini nga tebannakwata ku bintu byo.
5. Teesa okusasula mu buwandiike "Partial Payment to Vacate in 24 Hours" eri District/Regional Manager. Bw'oba tosobola kusasula ssente zonna eza $600 ku $1,500 eziyise, tegeera nti ffulaayi z'okutereka zitera okuvaamu sente 10 ku 25 zokka ku ddoola ku kifo. Bypass the front-desk clerk and ask the District Manager: "Singa nleeta doola 200 mu kaasi leero ne nssa omukono ku ndagaano y'okuggyamu ebintu n'okusenya yuniti yange mu ssaawa 24 osobole okuddamu okugipangisa ku muwendo gw'akatale omujjuvu enkya, ojja kulekulira ssente z'okulwawo n'osazaamu ffulaayi?"
6. Singa ffulaayi yaggwa dda leero, saba okuggyibwayo mu bwangu "Protected Personal Papers" zo nga omuguzi tannazisika kuzitwala mu kasasiro. Abaguzi ku ffulaayi baagala ebikozesebwa, ebyuma, n'ebintu by'omu nnyumba; tebaagala satifikeeti zo ez’amazaalibwa, eddagala, DD-214 y’amagye, ebiwandiiko by’omusolo, oba ebifaananyi by’abaana, era amasekati mangi mu mateeka gakugira abaguzi okukuuma ebiwandiiko by’omuntu. Kuba maneja w’ekifo ku ssaawa y’emu ffulaayi gy’eggwaako era obasabe bakwate bbokisi zo ez’obuntu ku ofiisi ng’omuwanguzi atuuse okuyonja yuniti.

flowchart TD
    A["Storage Unit Overlocked oba Etegekeddwa okugula Lien Auction"] --> B{"Ffulaayi Yaggalwa Dda?"}
    B -->|"Nedda - Ffulaayi Ekyalindiridde"| C{"Oli (oba Omufumbo) ku Active Military Duty?"}
    B -->|"Yee - Unit Yatundibwa Dda ku Ffulaayi"| D["Kuba Facility Manager Mu Ssaawa 1 Nga Ffulaayi eggaddwa"]
    C -->|"Yee (SCRA 50 U.S.C. 3958) ."| E["Weereza ebiragiro by’emirimu egy’amaanyi mu bwangu: Ffulaayi nga Tolina kiragiro kya Kkooti Musango gwa Federo"]
    C -->|"Nedda"| F{"Osobola Okusasula Full Past-Due Balance (oba Okufuna 211 / Charity Grant)?"}
    F -->|"Yee"| G["Sasula nga okozesa Ceke ya Cashier / Ssente Enkalu Nga Ffulaayi Tonnaggalawo (Eddembe ly’Okununula mu Mateeka)"]
    F -->|"Nedda"| H{"Oli mu ‘Declaration in Opposition’ State (e.g., California) oba Ekifo Kyamenya Amateeka g’Okulangirira?"}
    H -->|"Yee"| I["Tuusa Ekirangiriro ekissiddwako Omukono mu kuwakanya oba Ekiwandiiko ekiraga ekikyamu mu mateeka okuyimiriza okutunda"]
    H -->|"Nedda"| J["Pitch 'Cash + Vacate in 24 Hours' Settlement eri Regional Manager + Okusaba Okufuna Empapula/Meds ezikuumibwa"]
    D --> K["Saba Okuddizibwa Ebiwandiiko by’Omuntu Ebikuumibwa, Ebifaananyi, Endagamuntu, n’Eddagala okuva eri Omuguzi/Omuddukanya"]
    K --> L["Demand Itemized Accounting + Claim Ensimbi zonna ezisukka mu ffulaayi ezisukka mu mabanja"]

Engeri timeline y’okutereka lien gy’ekola: okuva ku ssente ezilwawo okutuuka ku ffulaayi¶

Okuyimiriza ffulaayi y’okutereka, olina okumanya omutendera ki ogw’ekiseera ky’okutereka ebintu mu mateeka yuniti yo gy’eri.Okwawukanako n’etteeka lya landiroodi n’omupangisa w’amayumba, liizi z’okwetereka zifugibwa amateeka g’eggwanga ag’ebyobusuubuzi (ezisinga zikozesebwa ku Etteeka ly’Ekifo eky’Okutereka eby’Okwekolera oba Etteeka ly’Ebyobusuubuzi erya Yunifoomu Ennyingo 7: Ebbanja ly’Ensimbi).

Emitendera 5 egy'okwetereka default¶

1. Omutendera 1: Grace Period ne Late Fee (Ennaku 1 okutuuka ku 10 ziyise):
   • Mu budde obutuufu ssente z’obupangisa zirina okusasulwa nga 1^st omwezi. Oluvannyuma lw’ennaku 5 ku 10 ez’okusonyiyibwa mu ndagaano, ekifo kino kyekenneenya ssente ezisasulwa mu mateeka okulwawo. Amasaza agasinga gassa ku ssente ezisasulwa okulwawo okusinziira ku mateeka (mu masaza mangi ga Amerika, ebisale by’okulwawo tebisobola kusukka $20 oba ebitundu 20 ku buli 100 eby’omuwendo gw’okupangisa buli mwezi, ekisingako).
2. Omutendera 2: Okuggala Gate ne Door Overlock (Ennaku 6 okutuuka ku 15 ziyise):
   • Koodi yo ey'omulyango gwa keypad ssekinnoomu ezzaayo ensobi ya "Access Denied", era abakozi bateeka kkufulu ya silinda ey'okubiri oba kkufulu emmyufu (overlock) ku hasp eyookubiri ey'oluggi lwa yuniti yo. Ku mutendera guno, kkufulu yo ey’obuntu ekyaliwo, era tewali muntu yenna agguddewo yuniti yo.
3. Eddaala 3: Pre-Lien / Default Notice n'okusala ekizibiti ky'omupangisa (Ennaku 14 okutuuka ku 45 ziyise):
   • Obumenyi bw’amateeka bwo bwe butuuka ku kizibu ky’amateeka eky’eggwanga (emirundi mingi ennaku 14, 30, oba 45 ez’omuddiring’anwa nga tosasulwa), ekifo kiweereza ekiwandiiko ekitongole Ekirango ky’okussa mu nkola lien / Notice of Default.
   • Ekiseera ky’okulangirira okusala kkufulu bwe kiggwaako, maneja w’ekifo n’omujulizi mu mateeka basala kkufulu yo ey’obuntu okuva ku mulyango, baggulawo oluggi oluzingulula (nga toyingidde munda okukuba emmundu okuyita mu bbokisi), kwata ebifaananyi 3 ku 6 eby’enkoona ennene eby’ebirabika okuva ku mulyango, bawandiika ennyonyola ennyimpimpi mu yinvensulo, basiba oluggi n’akaveera akalina ennamba okutabula ku ffulaayi tag, era oteeke olukalala ku mukutu gwa ffulaayi ku yintaneeti.
4. Omutendera 4: Okulanga mu mateeka n'eddirisa ly'okutunda ku yintaneeti (Ennaku 30 okutuuka ku 75 ziyise):
   • Ekifo kino kifulumya akalango k’okutunda ne kikuwa eddirisa erisembayo ery’okununula ery’ennaku 10 okutuuka ku 15 nga ffulaayi tennaggalwa.
5. Omutendera 5: Okuggalawo ffulaayi n'okuyonja abaguzi okumala essaawa 48 okutuuka ku 72:
   • Essaawa y’okubala okudda emabega ku yintaneeti bw’ekuba ziro, oyo asinga okugula awangula ebirimu mu yuniti ng’akalulu kamu. Omuguzi mu budde obutuufu alina essaawa 48 ku 72 okutuuka mu kifo kino ne loole, okusasula invoice ya ffulaayi ku ofiisi, okusala tamper tag, n’okufulumya amazzi mu yuniti.

Ebiseera by’okutwala ssente mu mateeka g’eggwanga n’ensi yonna n’eddembe ly’abapangisa¶

Amateeka agafuga okwetereka gaawukana okusinziira ku ssaza n’ensi. Kozesa ekipande ky’okugeraageranya wansi okukakasa ebiseera ebitono eby’okulinda mu mateeka, amateeka g’okulangirira, n’obukuumi obw’enjawulo obw’abapangisa mu bitundu ebinene.

Okugeraageranya amateeka agafuga okwetereka n’amateeka agafuga ffulaayi¶

Engeri 5 ez'okuyimiriza ffulaayi y'okutereka nga essaawa y'okubala okudda emabega tennakuba ziro¶

Singa yuniti yo egenda kugulwa ku ffulaayi mu nnaku oba essaawa ezijja, kola ng’oyita mu nkola zino ettaano ez’amateeka n’ebyensimbi mu bwangu:

1. Okubala ebitabo bya Lien Notice y’ekifo okulaba oba waliwo ebikyamu mu mateeka (era okaka okwongezaayo) .¶

Amateeka agakwata ku self-storage lien galagira abaddukanya ebifo okugoberera buli kyetaagisa mu mateeka mu ngeri enkakali. Singa ekifo kibuuka omutendera ne kitunda yuniti yo mu ngeri yonna, bavunaanyizibwa ku okukyusa mu bukyamu (obubbi obw’obwannannyini) n’okusasula ebyonooneddwa mu mateeka. Kebera empapula zo era saba maneja Lien Audit File ku yuniti yo:

• Endagiriro enkyamu oba email bounce-back eremereddwa: Wawa ekifo okukyusa endagiriro mu buwandiike kye baasimbira ekkuuli? Mu masaza nga Florida, Georgia, ne Texas, singa ekifo kiweereza ekiwandiiko ekiraga nti omuntu alina obuyinza ku email era nga tekifuna kukakasa kutuusa bintu mu ngeri ya otomatiki, oba bwe kiba nga tebafunangako kulonda kulangirira ku byuma bikalimagezi mu liizi, ekiwandiiko ekyo tekiba kituufu mu mateeka okuggyako nga era baasindikidde mail ekakasiddwa mu mubiri oba ekakakasiddwa ku ndagiriro yo eya posta esembayo gy’omanyi.
• Essaawa y’okuwonya esaliddwako kkufulu nga tennatuuka oba efunze: Bala ennaku za kalenda wakati w’olunaku lw’akabonero ka posta ku Notice of Lien n’olunaku lw’okutunda olutegekeddwa. Singa amateeka g’eggwanga galagira okuwona okumala ennaku 14 n’oluvannyuma n’okulanga ennaku 15, era ekifo ne kitegeka ffulaayi eno oluvannyuma lw’ennaku 20 oluvannyuma lw’okuweereza ekiwandiiko ku ssimu, okutunda kumenya mateeka.
• Itemized statement missing or illegal late fees stacked: Buli tteeka ly’eggwanga liragira nti lien notice erimu itemized statement of the owner’s claim eraga olunaku buli ssente z’okupangisa ne late fee lwe zaakuŋŋaanyizibwa. Singa ekifo ekyo kyayongerako ssente ezitakkirizibwa oba ne kisukka ku ssente ezisasulwa mu mateeka g’essaza lyo (nga okusasuza ssente za doola 75 ez’okulwawo ku yuniti ya doola 100 mu ssaza erissa ekkomo ku bisale by’okulwawo ku ddoola 20 oba ebitundu 20 ku buli 100), saba mu buwandiike nti baddemu okubala bbalansi n’okuddamu okuteekawo ekiseera ky’okulangirira.
• Engeri y'okukozesaamu ekikyamu okuyimiriza okutunda: Weereza email eri bombi maneja w'ekifo n'ekitongole ky'amateeka mu kitongole etuumiddwa URGENT LEGAL NOTICE: STATUTORY DEFECT IN LIEN SALE OF UNIT #[Number]: > "Nze omupangisa wa Unit #[Number]. Ffulaayi yo eya lien etegekeddwa ku [Date] emenya [Etteeka ly'Eggwanga] kubanga [gamba ekikyamu: e.g., ekiwandiiko tekyaweerezeddwa ku ndagiriro yange erongooseddwa ku fayiro / ekiseera ky'okuwona kyali wansi w'ennaku 14 ezikakatako / ssente ezilwawo zisukka omuwendo ogulagirwa mu mateeka]. Singa ogenda mu maaso ne ffulaayi nga tozzeemu kuweereza mateeka agagoberera notice, nja kuwawaabira civil action olw'okukyusa mu bukyamu n'okusasula ebyonooneddwa mu mateeka Nsaba okakasizza mu buwandiike leero nti ffulaayi eyimiriziddwa." Enjegere z’amaterekero z’ebitongole bulijjo zisazaamu ne ziddamu okutandika essaawa ya ffulaayi akaseera omupangisa w’alaga ekikyamu mu kiwandiiko ekikakasibwa mu buwandiike, kubanga omusango gw’okutunda mu bukyamu gugula ssente nnyingi nnyo okusinga okulinda ennaku 30 ez’enjawulo.

2. Tuweereza ku mail oba n'omukono "Ekirango ekiwakanya okutunda lien" (Mu California n'obuyinza obufaananako bwe butyo)¶

Singa ekitundu kyo eky’okutereka kiri mu California (oba obuyinza obulina enkola y’okuwakanya ekwatagana n’amateeka), tunuulira obulungi olupapula olwokubiri olwa Notice of Lien Sale ekifo kye kyakusindikidde ku ssimu:

• Mu California Business & Professions Code § 21705, ekifo kino mu mateeka kyetaagisa okussaamu foomu etaliiko kintu kyonna eriko omutwe "Okulangirira okuwakanya okutunda lien."
• Singa ojjuza, ossa omukono, n’otuusa foomu eyo eri nnannyini kifo ng’oyita ku mail ekakakasiddwa (oba n’ogituusa n’engalo nga olina lisiiti eriko omukono) ng’olunaku lw’okutunda terunnatuuka, ekifo ekitereka ebintu kikugirwa mu mateeka okukola ffulaayi y’okusiba. Wabula okutunda ebintu byo, ekifo kino kirina okupangisa process server, okukuwawaabira omusango mu butongole mu kkooti y’obwannannyini oba ey’okuwoza emisango emitonotono, n’okufuna ensala y’ekitongole ekiramuzi, ekugulira wiiki oba emyezi mingi okukung’aanya ssente oba okuteesa ku ky’okusenguka.

3. Teesa ku "Pay-to-Vacate" (Cash + Broom-Clean Move-Out) okusasula¶

Bw’oba tosobola kusasula bbalansi ya $800 oba $1,200 enzijuvu ey’okununula era ng’ekiwandiiko ky’ekifo kyali kituufu mu mateeka, tokitwala nti ekifo mu butuufu kyagala ku ffulaayi yuniti yo. Laba wano embeera y’ebyenfuna mu mulimu gw’okwetereka:

• Ffulaayi z’okutereka zifiirwa ssente eri ekifo kino: Ekifo ekitereka ebintu mu maka ekya bulijjo ekijjudde engoye enkadde, emitto, n’ebintu ebikozesebwa mu buveera kitundibwa ku StorageTreasures ku $50 ku $180 omugatte, nga ku zino omukutu gw’okutunda guggyamu ssente. Abaguzi ku ffulaayi oluusi batwala ebikozesebwa eby’omuwendo ne basuula kasasiro, ekiwaliriza ekifo kino okusasula ddoola 300 ez’okusuula kasasiro ow’ettunzi. Mu kiseera kino, buli wiiki yuniti yo gy’etuula ng’esibye mu default eba wiiki ekifo ekitasobola kupangisa kifo ekyo eri kasitoma omupya asasula.
• Engeri y'okukubamu ddiiru ya "Cash + 24-Hour Move-Out":
  1. Funa ssente enkalu entuufu (ne bwe kiba ebitundu 25 ku 50 ku buli 100 eby’obupangisa obw’omusingi obubanjibwa, gamba nga ddoola 150 ku 300) era osimba layini ya mukwano gwo ne pikipiki, kabangali oba trailer y’emigugu nga yeetegefu okutikka leero.
  2. Saba okwogera butereevu ne District Manager oba Regional Manager (abawandiisi ba counter tebatera kuba na lukusa lwa kompyuta okulekulira ssente za lien ezikung’aanyiziddwa n’okusiba).
  3. Kozesa script eno: > "Ndi mu buzibu bw'amayumba era sisobola kusasula bbalansi ya doola 950 enzijuvu n'ebisale by'okulwawo n'eby'oku ffulaayi. Bw'ogula yuniti yange enkya, okusinga biba bya ngoye za muntu ku bubwe, empapula, n'ebintu by'amaka ebijja okuleeta ssente ezitakka wansi wa doola 100 ku ffulaayi. Kyokka, nnina $[Amount, e.g., $250] mu ssente enkalu mu ngalo zange mu kiseera kino, era nnina loole esimbye ebweru. Bw'oba waive the fees and accept $[Amount] as a settlement in full, nja kussa omukono ku Mutual Lease Termination and Release right now era unit yange 100 percent empty and broom-swept nga 5:00 PM terunnatuuka leero osobole okugipangisa eri kasitoma omupya asasula enkya ku makya."
  4. Etteeka erikulu mu kiseera kya Pay-to-Vacate: Maneja bw’amala okusumulula overlock for a negotiated move-out, to cherry-pick box bbiri n’oleka omufaliso ne kasasiro emabega, oba maneja ajja kuddamu okusiba oluggi n’addamu okugula ffulaayi. Yuniti olina okugifulumya wansi okutuuka ku seminti enzirugavu basobole okufulumya akawunti yo yonna.

4. Okukozesa etteeka eriyitibwa Servicemembers Civil Relief Act (SCRA) eri amagye agali ku mirimu¶

Bw’oba ggwe (oba munno, singa ekitongole kirina ebintu by’obufumbo/eby’awaka) mu kiseera kino oweereza ku emirimu egy’amaanyi mu magye ga Amerika (nga mw’otwalidde n’aba National Guard oba Reserve members abakola, oba mu nnaku 90 oluvannyuma lw’okuyimbulwa okuva ku mulimu):

• Mu mateeka ga federo **50 U.S.C. §.
• Guba musango gwa federo (gubonerezebwa okutuuka ku mwaka gumu mu kkomera lya federo n’okusasula engassi wansi wa 50 U.S.C. § 3958©) omuddukanya ekifo ekiterekebwamu ebintu oba nnannyini kifo okutunda ku ffulaayi ekitundu ky’okutereka eby’amaguzi kya servicemember nga tasoose kugenda mu kkooti n’afuna ekiragiro ky’omulamuzi, ne bwe kiba nti servicemember teyategeezangako kifo we batereka ebintu nti baali mu magye yapangisa yuniti.
• Amangu ago email era n’otuusa n’engalo kkopi y’ebiragiro byo eby’amagye ebikola emirimu (oba kakasa embeera yo ng’oyita ku mukutu gwa DMDC SCRA Website, scra.dmdc.osd.mil) eri ekifo kino ne baagala ffulaayi esazibwemu mu bwangu n’okuggyawo ssente zonna ezisasulwa ku ffulaayi ezitali mu mateeka.

5. Tap ensimbi z’okusengula-okukyusakyusa n’okutereka-okukuuma mu bwangu¶

Nga tonnava ku kusasula bbalansi y’okununula, kuba ku ssente zino ez’amangu ezisasula bbalansi z’okutereka okutangira amaka agatalina nnyumba okufiirwa ebintu byabwe:

• 211 / United Way & Continuum of Care (CoC) Ensimbi z’okukyusakyusa mu ngeri ekyukakyuka: Kuba essimu 211 (mu Amerika ne Canada) era osabe obuyambi bw’okutereka Okuziyiza abatalina mwasirizi / Okuddamu okuzimba amangu (HP/RRH) Flexible Client Assistance oba Emergency Solutions Grant (ESG) obuyambi bw’okutereka. Ebitongole bingi ebitali bya magoba mu kitundu, enkiiko za Society of St. Vincent de Paul, ofiisi za Salvation Army, ne ofiisi za munisipaali General Assistance / Emergency Assistance (EA) zirina micro-grants ($200 okutuuka ku $800) okusasula ebbanja ly’okutereka omukozi aleme kufiirwa bikozesebwa bye oba ebiwandiiko bye.
• ModestNeeds.org ne Veteran Stand Down Grants: Bw’oba oli muzirwanako, soma ekitabo kyaffe ku... amayumba ag’amangu n’okuwagira abaazirwanako abatalina mayumba mu mbeera y’obuzibu era okubire ku SSVF (Empeereza eyamba amaka g’abaazirwanako); wansi wa 38 CFR Part 62, abaweebwa ensimbi za SSVF basobola okukozesa obuyambi bw’ensimbi obw’ekiseera (TFA) okusasula ssente z’okutereka mu bwangu eri abaazirwanako abakyuka okudda mu mayumba.

By’olina okukola bw’oba tosobola kuyimiriza ffulaayi: okununula ebiwandiiko by’omuntu, eddagala, n’ensimbi enkalu ezisukkiridde¶

Ne bw’oba olina ddoola zero ate nga ffulaayi tesobola kuyimirizibwa, oba bw’oyingira leero n’ozuula nti yuniti yo yatundibwa dda ku ffulaayi enkya ya leero, okyalina eddembe mu mateeka n’enkola ez’omugaso okutereka ebintu byo ebisinga obutakyusibwa.

1. Okusaba okufuna eddagala eritaasa obulamu n’endagamuntu nga tonnagula ffulaayi¶

Nga ffulaayi tennaggalwa, singa yuniti yo ebaamu eddagala eriyimirizaawo obulamu bw’omuntu (nga insulini, eddagala ly’omutima, ery’okussa, oba eddagala eriziyiza akawuka ka siriimu), ebyuma ebiwangaala (nga ekyuma kya CPAP, ekitundu ky’omubiri eky’ekinnansi, oba obugaali), oba endagamuntu yo ey’ekifaananyi kya gavumenti, paasipooti, ne satifikeeti y’amazaalibwa (laba ekitabo kyaffe ku okukyusa endagamuntu ey’amangu n’endagiriro y’okuweereza nga tolina maka):

• Enfuga eziwerako zikkiriza oba zilagira okuggya ebiwandiiko ebiraga omuntu, eddagala eriwandiikiddwa omusawo, n’ebyuma eby’obujjanjabi mu kulabirirwa ne bwe kiba nti yuniti eri mu kulemererwa okukwatibwa, kubanga ebbanja lya sitoowa z’ebyobusuubuzi tegyegattira ku biwandiiko bya gavumenti ebitakyusibwa oba eddagala eriwandiikiddwa (eritayinza kutundibwa ku ffulaayi mu mateeka wansi w’amateeka ga federo agakola ku by’eddagala).
• Genda mu ofiisi mu buntu, sigala nga mukkakkamu era nga oli wa mpisa, era ogambe nti: "Ntegedde nti yuniti yange eri mu mbeera ya lien era sisaba kuggyawo bintu byonna oba ebintu ebiyinza okutundibwa. Kyokka, eddagala lyange eriwandiikiddwa n'ebbaluwa y'amazaalibwa/ paasipooti yange biri munda mu yuniti, era amateeka ga federo n'amasaza gakugira okutunda eddagala eriwandiikiddwa oba endagamuntu z'omuntu ku ffulaayi. Nsaba otambula nange okutuuka mu yuniti okumala eddakiika ttaano." era kwata oluggi nga bwe nkukwasa folda ya ID n'obucupa bw'eddagala okukakasa?"

2. Engeri y'okuzzaawo "Protected Personal Papers and Photos" OLUVANNYUMA lw'omuguzi wa ffulaayi okuwangula¶

Abantu abasinga balowooza nti omuguzi ku ffulaayi bw’amala okugula doola 150 n’awangula ekifo we batereka ebintu, omuguzi aba mu mateeka nnannyini alubaamu z’ebifaananyi by’amaka go, ekitabo ky’omwana wo eky’abaana, emidaali gyo egy’amagye, evvu lyo/ebizimbe byo, n’ebiwandiiko byo eby’omusolo. Ekyo kya bulimba mu bitundu ebisinga obungi era wansi w’Ebiragiro ebikakatako eby’Okukozesa buli musingi omukulu ogw’okutunda ebintu:

• Okukuuma empapula z’omuntu mu mateeka: Ebikolwa bingi eby’eggwanga eby’okwetereka (nga Washington RCW 19.150.060, Oregon, California, Minnesota, n’ebirala) byetaaga mu bulambulukufu nti empapula zonna ez’obuntu (nga mw’otwalidde n’ebbaluwa z’amazaalibwa, paasipooti, ebiwandiiko by’omusolo, ebiwandiiko by’abasawo, ebiwandiiko by’ebyensimbi, n’ebifaananyi by’amaka) bisigala nga bya mupangisa alemeddwa era birina okwawulwamu ne bikuumibwa mu ofiisi y’okutereka ebintu omupangisa asobole okweddiza.
• Amateeka agakakatako agafuga omukutu gw'okutunda ku yintaneeti (StorageTreasures.com / . Lockerfox.com Ebiragiro): Buli mutendesi eyewandiisa ku StorageTreasures oba Lockerfox assa omukono ku ndagaano y’omutendera ekwatagana mu mateeka ng’egamba nti ebintu byonna eby’obuntu (ebifaananyi, alubaamu z’ebifaananyi, ebitabo by’omwaka, satifikeeti z’amazaalibwa/obufumbo, paasipooti, kaadi za Social Security, ebiwandiiko by’omusolo ne bbanka, ebiwandiiko by’amateeka, ebiwandiiko by’obujjanjabi, Baibuli z’amaka, emidaali gy’obuweereza bw’amagye/DD-214s, n’abantu oba... ebisigalira by’ebisolo by’omu nnyumba ebyokeddwa) biggyibwa mu kutunda ffulaayi era BITEEKEDDWA okuddizibwa omuddukanya ekifo we batereka ebintu amangu ddala awatali kusasula. Singa omuguzi wa ffulaayi agaana okukyusa empapula zo ez'obuntu n'ebifaananyi eri maneja, omukutu gw'okutunda gujja okuwera akawunti y'omuguzi enkalakkalira.
• Ekikolwa ekituufu okutwala essaawa ffulaayi gy'eggalawo:
  1. Kuba essimu ya maneja w’ekifo awaterekerwa ebintu amangu ddala ng’omuguzi awangudde tannatuuka ne loole ye.
  2. Tell the manager: "My unit #[Number] just closed at auction. Mu mateeka g'eggwanga ne StorageTreasures Bidder Terms, omuguzi alina okukyusa ebiwandiiko byonna eby'obuntu, endagamuntu, ebiwandiiko by'omusolo, evvu, n'ebifaananyi by'amaka mu ofiisi yo. Nsaba okulagira omuguzi nga ayingira ku mmeeza y'omu maaso nti nnindirira n'obunyiikivu okulonda empapula zonna ez'obuntu n'alubaamu z'ebifaananyi, era abasabe teeka ebibokisi ebyo ku ddirisa lya ofiisi."
  3. Buuza maneja oba banaayisa ennamba yo ey’essimu eri omuguzi awangudde. Abaguzi b’ebintu eby’ekikugu mu ffulaayi y’okutereka bafaayo ku bikozesebwa byokka, ebyuma eby’amasannyalaze, n’ebintu ebiyinza okuddamu okutundibwa; singa obawaayo okubasisinkana mu mpisa ku kkubo ly’ekifo kino oba okubasasula ddoola 20 ku ddoola 50 olw’obudde bwe kitwala okukukwasa bbokisi zo ez’engoye n’ebintu ebisikiriza ebirina omuwendo gwa zero resale gye bali, abaguzi abasinga bajja kusanyuka okutikka bbokisi ezo mu mmotoka yo okusinga okusasula ssente z’okuzisuula okuzisuula.

3. Laba "Surplus Auction Proceeds" yo (Nga yuniti yo etunda ssente ezisukka ku z'obanja)¶

Kiki ekibaawo singa obanja \(600** mu bupangisa bw’okutereka n’ebisale ebiyise, ate nga yuniti yo erimu ebikozesebwa eby’omulembe oba ebintu ebikung’aanyizibwa ebyatundibwa ku ffulaayi ku **\)2,500?

• Ekifo eky’okuterekamu TEKIfuna kukuuma $1,900 ez’okwongerako. Mu buli tteeka lya ssaza erikwata ku kwesiba okwetereka mu Amerika, Canada, Bungereza, ne Australia, omuddukanya ekifo alina obuyinza okuggyako ssente entuufu yokka ku lien yaabwe entuufu (obupangisa obuyise, ssente ezisasulwa okulwawo mu mateeka, n’ebisale ebituufu eby’okutunda).
• Ssente zonna ezisigaddewo, eziyitibwa Excess Proceeds oba Surplus Funds, zizo 100 ku buli 100, omupangisa alemeddwa okulemererwa.
• Mu mateeka g’eggwanga, ekifo kino kirina okuteeka ssente ezisukka mu akawunti ne kikutegeeza (ebiseera ebisinga kikuwa emyezi 6 okutuuka ku myaka 2 okusaba ssente nga tonnaba kuwaayo ssente ezitannaba kusaba eri State Treasurer’s Unclaimed Property Division).
• Singa yuniti yo yatundibwa ku ffulaayi, weereza okusaba mu buwandiike eri maneja w’ekifo ng’osaba Itemized Post-Sale Accounting Statement eraga: (a) ebbanja lyennyini n’ebisale ebisasuddwa, (b) omuwendo gwonna ogwawangula ogwa ffulaayi ogwasasulwa omuguzi, ne © okusasula amangu ssente zonna ezisukkiridde ezisukka ku bbalansi y’ebbanja.

Ebibuuzo ebitera okubuuzibwa¶

Nsobola okutunda ne nzigulawo ekifo kyange eky’okuterekamu ebintu ku StorageTreasures oba Lockerfox ku ssente entono okusinga ze mbanja?¶

Soma etteeka lyo ery’essaza n’Emitendera gy’Omutendera egy’omukutu gw’okutunda ku yintaneeti nga tonnagezaako kino. Enjegere ennene ez’okutereka ebintu n’emikutu gy’okutunda ebintu ku yintaneeti (`StorageTreasures.com`, . `Lockerfox.com`) okugaana omupangisa alemererwa okutunda ku yuniti ye okusangulawo bbalansi y’obupangisa esingako, era n’okusaba oyo awangudde ttenda okulaga endagamuntu ya gavumenti ey’ekifaananyi n’okussa omukono ku kirayiro ku ofiisi y’ekifo nga tebannasalako kiwandiiko kya tamper tag. Singa maneja akutegedde ng’omupangisa alemeddwa, bajja kusazaamu ttenda ewangudde era bakuume yuniti ng’esibye okutuusa nga bbalansi y’okununula esasuddwa. Naye singa mukwano gwo atalina luganda yeetongodde agula mu ffulaayi ey’olukale enzigule, ebifo okutwalira awamu birina okussa ekitiibwa mu kutunda mu lujjudde.

Watya singa ekifo awaterekerwa ebintu kyalinnyisa ssente zange ez’obupangisa ebitundu 40 ku 100 nga sirina nnyumba era ekyo kye kyavaako okulemererwa okusasulwa?¶

Liizi z’okwetereka zibeera ndagaano za bya busuubuzi buli mwezi okusinga okupangisa amayumba agafugibwa obupangisa, ekitegeeza nti ekifo kino kisobola okulinnyisa omuwendo gwa buli mwezi kasita baweereza ekiwandiiko eky’ennaku 30 nga bukyali. Naye singa okubira Disitulikiti Maneja essimu ng’ofunye ekiwandiiko eky’okwongeza emiwendo n’onnyonnyola nti ofuna obuzibu mu by’ensimbi oba obutaba na maka, ba maneja batera okuba n’olukusa okudda emabega oba okusiba okwongeza emiwendo okumala emyezi 6 ku 12 okusinga okukaka yuniti yo okugiteeka ku ffulaayi.

Ekifo awaterekerwa ebintu kikyayinza okusindika akawunti yange mu kitongole ekisolooza amabanja nga bamaze okutunda ebintu byange ku ffulaayi?¶

Yee, singa ffulaayi yavaamu bbalansi y’ebbula. Singa obanja ddoola 900 mu ssente z’obupangisa n’ebisale ebiyise, ate nga yuniti yo etundibwa ku ffulaayi ku ddoola 100 zokka, ekifo kino kikozesa ddoola 100 ezo ku bbanja lyo era kisobola okusindika ddoola 800 ezisigaddeyo ezibulako eri ekitongole ekisolooza ssente. Eno y’ensonga lwaki okuteesa ku nsasula ya Pay-to-Vacate oba okussa omukono ku Voluntary Abandonment Release (ng’osenya yuniti okuyonja oba okuwaayo ebirimu mu kuwaanyisiganya okulekulira bbalansi yonna ey’ebbula mu buwandiike) kirungi nnyo okusinga okuleka yuniti okugenda ku ffulaayi.

Watya singa kkampuni ey’okusatu etambuza ebintu eba ekutte ebintu byange eby’omu nnyumba mu tterekero era ng’esaba enkumi n’enkumi okusinga ku kuteebereza kwange?¶

Mu Amerika, abatambuza ebintu by’omu maka wakati w’amasaza bafugibwa ekitongole kya Federal Motor Carrier Safety Administration (FMCSA) wansi wa 49 CFR Part 375. Mu tteeka lya federo erya 110 Percent Rule (49 CFR § 375.405(b)(8)), singa omutambuza yakuwa okubalirira okutali kwa kusiba, balina okutuusa ebintu byo byonna eby’omu maka nga basasuddwa ebitasussa 110 ebitundu 100 ku 100 eby’okubalirira okwasooka mu buwandiike (oba ebitundu 100 ku 100 eby’okubalirira okusiba), era alina okwongezaayo okusasula ssente zonna ez’okwongerako ezikaayanirwa okumala waakiri ennaku 30. Singa omusenguka asibira ebintu byo mu sitoowa ng’ayagala ssente enkalu ezisukka mu bitundu 110 ku buli 100 eby’okubalirira kwo, ssaayo okwemulugunya okw’amangu okw’okutikka abantu abawambi mu FMCSA (1-888-368-7238) ne Ssaabawolereza wa Gavumenti yo.

Ensonda zeekebeddwa¶

• Akakiiko k’amateeka agakwatagana / Enkola y’ebyobusuubuzi eya Uniform Commercial Code (UCC): UCC § 7-209 ne § 7-210 (Ebbanja lya Sitoowa n’okussa mu nkola ebbanja lya sitoowa; Emitendera egy’okugoberera ennyo n’obutuufu bw’ebyobusuubuzi) (Amerika).
• Amateeka g’Essaza ly’Ekifo eky’Okutereka eby’Okwekolera: Etteeka lya California Business & Professions Code §§ 21700 okutuuka ku 21716 (Etteeka ly’Ekifo eky’Ekifo eky’Okwekolera eky’Okwekolera & Okulangirira okuwakanya Okutunda Lien); Etteeka ly’Eby’Obugagga mu Texas Essuula 59; Amateeka ga Florida §§ 83.801 okutuuka ku 83.809; Etteeka ly’okutwala ebintu mu New York § 182; Washington RCW Essuula 19.150 (Okusonyiyibwa Empapula z’Omuntu) (Amerika).
• Ekitongole ky’ebyamateeka mu Amerika, Ekitongole ky’Eddembe ly’Obuntu: Etteeka erikwata ku buyambi bw’abaweereza (SCRA), 50 U.S.C. § 3958: Obukuumi ku kussa mu nkola eby’okutereka ebintu awatali kiragiro kya kkooti (Amerika).
• Amateeka ga Bungereza: Etteeka lya Torts (Interference with Goods) Act 1977, Section 12 & Schedule 1 (Amaanyi g’okutunda ebintu ebitakung’aanyiziddwa n’ebyetaago by’okulangirira) (United Kingdom).
• Federal Motor Carrier Safety Administration (FMCSA): 49 CFR Ekitundu 375: Okutambuza ebintu by’omu maka mu by’obusuubuzi wakati w’amasaza; Ebiragiro ebikwata ku kukuuma abakozesa n’etteeka ly’okutuusa ebintu ebitundu 110% (Amerika).

Ebiragiro ebikwatagana nabyo¶

• Obutaba na maka mu bwangu: essaawa 48 ezisooka n’okusula mu mbeera ez’amangu
• Okukyusa endagamuntu ey’amangu n’endagiriro y’okuweereza nga tolina maka
• Okusenya enkambi, okubowa ebintu, n’eddembe ly’okusula
• Ennyumba ez’amangu n’okuwagira mu mbeera enzibu eri abaazirwanako abatalina nnyumba
• Dayirekita y’ennamba ez’amangu