Guhagarika inguzanyo yumushahara ACH imiyoboro, gufata inguzanyo yimodoka, hamwe na pawn idasanzwe¶

Iyo fagitire yo kwivuza itunguranye, gusana imodoka, cyangwa kugabanya gahunda yakazi ituma urugo rufata inguzanyo ya 400% yumwaka ku ijana (APR) inguzanyo yumushahara, inguzanyo imwe yimodoka imwe, cyangwa itike ya pawn ihembwa menshi, umutego uturuka kumunsi wawe utaha. Abaterankunga b'igihe gito bategura izo nguzanyo kugirango umuyobozi wamafaranga wongeyeho amafaranga arenze urugero azunguruka ahita akuramo konti yawe yo kugenzura ukoresheje umuyoboro wa ** Automated Clearing House (ACH) ** umunota umushahara wawe uguye, usigara amadolari ya zero yo gukodesha, ibiribwa, cyangwa ibikorwa byingirakamaro hanyuma ugahatira kongera kuguza ako kanya.

Ikibabaje kurushaho, mugihe uwagurijwe adashobora kwishyura inguzanyo yimodoka yiminsi 30, uwatanze inguzanyo arashobora gukurura igikoresho cya kure cya GPS gitangira-guhagarika cyangwa kohereza ikamyo ikurura kugirango ifate imodoka yumuryango ikenewe kugirango igere kukazi, nubwo imodoka yaba ifite agaciro kikubye inshuro eshanu inguzanyo. Guhunga iyi mpinduka bisaba kumenya ikintu kimwe cyibanze cyemewe n'amategeko: ** kwambura uburyo bwa elegitoronike uwatanze umushahara kuri konte yawe ya banki byemewe n'amategeko 100% nkuko amategeko agenga amabanki abiteganya **, kandi ntushobora gufatwa cyangwa gufungwa kubera kutishyura umushahara wabasivili, kwishyurwa, cyangwa kuguriza.

Kora ubu¶

1. ** Kwambura byemewe n'amategeko uwatanze umushahara ACH yo gutanga inguzanyo byibuze iminsi 3 yakazi mbere yumushahara **: Ukurikije itegeko ryo kohereza ikigega cya elegitoroniki muri Amerika (Amabwiriza E) hamwe n’amategeko mpuzamahanga y’amabanki ataziguye, ufite uburenganzira bwemewe n'amategeko bwo kuvanaho uruhushya urwo arirwo rwose rwo gutanga inguzanyo kuri banki yawe utanga ** Itangazo ryerekeye gukuraho ACH ** kubatanga inguzanyo na banki yawe.
2. ** Tanga icyemezo cyo guhagarika kwishyura kuri banki yawe hanyuma uhagarike ikarita yo kubitsa ihuza **: Kuberako abatanga inguzanyo kumurongo bakunze guhindura izina ryumucuruzi wabo kugirango binjize ibicuruzwa byabacuruzi bonyine, shyira kumurongo ** Guhagarika kwishyura ** kumuranga wa sosiyete ACH utanga inguzanyo hanyuma utangaze ikarita yawe yo kubitsa "yatakaye cyangwa yangiritse" kugirango banki itange nimero yikarita 16 yimibare.
3. ** Himura umushahara wawe utaziguye kuri konte ya banki isukuye ako kanya **: Niba uwagurije umushahara cyangwa uwagabanije amoko yagerageje inshuro nyinshi kugabanura amadeni mato mato atwara amafaranga 35 y’amadolari adahagije (NSF) kuri banki yawe isanzwe, fungura konti nshya yo kugenzura muri banki ihuriweho ninguzanyo cyangwa banki hanyuma uhindure umushahara wawe utaziguye hamwe ninyungu za leta aho mbere yumushahara wawe utaha.
4. ** Saba gahunda yo Kwishura Yishyuwe Yemewe (EPP) mbere yuko inguzanyo yawe yishyurwa itishyurwa **: Mu bihugu birenga 20 byo muri Amerika (kandi hakurikijwe amategeko yo kwihanganira FCA mu Bwongereza ndetse n’amategeko y’intara yo muri Kanada), abategarugori hamwe n’abatanga inguzanyo ku mushahara basabwa byemewe n'amategeko guhindura inguzanyo yawe yishyurwa rimwe mu masaha 24 yishyurwa mbere yo kwishyura mbere yo kwishyura.
5. ** Kubijyanye ninguzanyo yimodoka, reba niba inguzanyo irenze ku mipira ya leta ya APR cyangwa itegeko ryo gutanga inguzanyo za gisirikare **: Niba imodoka yawe ibangamiwe no kwamburwa inguzanyo-nyito, kura ibikoresho byose, imiti, hamwe nintebe zabana mumitiba iri joro, shyira mumagaraji atuyemo niba byemewe muri leta yawe, kandi urebe niba uwatanze inguzanyo akora muburyo butemewe nimiryango ya leta ya APR **
6. ** Ku matike ya Pawn agomba kwishyurwa uyumunsi, shyira inyungu yukwezi kumwe / amafaranga yo kongera ububiko kugirango wirinde gutakaza **: Bitandukanye ninguzanyo zishyuwe, kugurisha pawn bisanzwe ni ingwate idasubirwaho; niba igihe ntarengwa cyo gucungurwa kirangiye kurangiza ubucuruzi uyumunsi, titre kumitako yawe yumurage cyangwa ibikoresho byimurwa burundu kuri pawnbroker keretse iyo wishyuye amafaranga yo kongererwa ukwezi cyangwa kuganira kumasezerano yanditse.

Ugereranije imitego 3 yigihe gito yimyenda yihutirwa nuburyo bwawe bwemewe¶

Amategeko atandukanye agenga inguzanyo zishyuwe zidafite ingwate / inguzanyo zishyurwa, inguzanyo zishingiye ku modoka, hamwe namatike yinguzanyo. Ugomba gushyira imbere inshingano zo guhagarika n'umutungo wo kurinda mbere.

flowchart TD
    Crisis["Inguzanyo Yigihe gito Yateganijwe Mugihe cyamasaha 72"] --> Type{"Ni ubuhe bwoko bw'inguzanyo ihenze cyane?"}
    Type -->|"Inguzanyo yo kwishyura cyangwa kumurongo"| EPPCheck{"Ese Leta / Igihugu Gutegeka Gahunda Yaguwe Yubusa?"}
    EPPCheck -->|"Yego (Ibihugu birenga 20 byo muri Amerika / Ubwongereza / Kanada)"| DemandEPP["1."]
    EPPCheck -->|"Oya (Cyangwa Predatory / Utanga Amoko Yanze)"| RevokeACH["1. Kohereza ibyanditse Reg E Itangazo ryo gukuraho ACH kubatanga inguzanyo na banki (3+ iminsi yubucuruzi mbere yo kwishyura)"]
    DemandEPP --> RevokeACH
    RevokeACH --> BankShield["2."]
    Type -->|"Inguzanyo yimodoka (Imodoka iri mukaga)"| TitleStep1["1. Siba ibikoresho byose byakazi, Meds, numutungo bwite uva mumodoka ako kanya"]
    TitleStep1 --> TitleStep2["2."]
    TitleStep2 --> TitleStep3["3."]
    Type -->|"Pawn Amaduka Amatike arangiye"| PawnStep1["1. Reba Igihe cyemewe cyubuntu kuri Tike (Mubisanzwe iminsi 30 kugeza kuri 60 Itariki Yateganijwe)"]
    PawnStep1 --> PawnStep2["2. Kwishura ukwezi kumwe inyungu / Amafaranga yo kubika mbere yumunsi wanyuma kugirango uzamure Tike Imbere utabuze Ikintu"]

Intambwe ku yindi: Nigute ushobora guhagarika byemewe n'amategeko uwagurije umushahara gukuramo konti yawe¶

Mugihe wiyandikishije kumurongo wo kwishyura kumurongo cyangwa kububiko, icapiro ryiza ryarimo uruhushya rwa ** ACH rwo gutanga inguzanyo ** (kandi akenshi rwihishwa rusubirwamo-ikarita yo kwishyuza ikarita yemewe) yemerera uwagurijwe gukuramo amafaranga kuri konte yawe yo kugenzura. Mu itegeko rya ** ryohererezanya ikigega cya elegitoroniki muri Amerika (15 USC § 1693e / Amabwiriza ya Banki nkuru y’igihugu E, 12 CFR § 1005.10 ©) **, ** Ubwishingizi bw’inguzanyo butaziguye mu Bwongereza / Umusoro ku baguzi ba FCA **, na ** Kwishyura Kanada Amategeko H1 (Amadeni yabanje kwemererwa) **, umuguzi afite uburenganzira butemewe n'amategeko bwo guhagarika amafaranga yatanzwe na elegitoroniki igihe cyose. Nubwo amasezerano y'inguzanyo yawe avuga ko "uburenganzira bwa ACH budasubirwaho," amategeko ya banki nkuru arenga kuri ayo masezerano.

Intambwe ya 1: Ohereza Itangazo ryanditse ryo gukuraho ACH kuguriza¶

Nibura ** iminsi 3 yakazi yuzuye ** mbere yigihe cyo kwishyura cyo kwishyura, ohereza imeri ninzandiko zemewe (cyangwa ufate amashusho yerekana igihe cyagenwe kumurongo wubutumwa bwogutanga kumurongo) bikubiyemo iri tangazo ryemewe n'amategeko:

** Ingingo: KUGARAGAZA KUBURYO BWA ACH NA ELECTRONI DEBIT AUTHORIZATION: Konti # [Imibare 4 yanyuma] **

• Banki] cyangwa indi konti iyo ari yo yose ifitwe na njye, ikurikizwa ako kanya.

Intambwe ya 2: Shikiriza banki yawe kopi yo gukuraho no guhagarika kwishyura¶

Ntukizere uwagurije umushahara kumurongo kugirango yubahirize icyemezo cyawe cyo gukuraho wenyine. Ku munsi umwe:

1. Injira mumashami yawe cyangwa uhamagare banki yawe ya elegitoronike yohereza / ishami rishinzwe amakimbirane.
2. Bwira umukozi wa banki ati:
3. ** Menya itandukaniro riri hagati yo Guhagarika Kwishyura hamwe no Guhagarika Byuzuye **: Bamwe mubabwira banki bagerageza kwishyuza amadorari 30 kugirango bahagarike amadorari imwe gusa. Bwira banki ko ** wambuye uburenganzira butemewe ** (ubahe kopi ya imeri wohereje inguzanyo). Banki yawe imaze kumenyeshwa ko uruhushya rwakuweho, banki isabwa mu buryo bwemewe n’amategeko agenga imikorere ya E na NACHA kugira ngo ihagarike ** imyenda yose izaza ** uhereye kuri nyirabayazana, kandi niba uwatanze inguzanyo anyuze mu mwenda uko byagenda kose, banki yawe ** igomba kwishura 100 ku ijana by'amafaranga yawe ** nk'ikwirakwizwa ry'amafaranga atemewe.

Intambwe ya 3: Hagarika ikarita yawe yo kubitsa ya plastike hanyuma utsinde amayeri ya "Gutandukanya-Gucuruza"¶

Abatanga inguzanyo kumurongo bakoresha amayeri abiri yanduye kugirango bazenguruke ACH Guhagarika Kwishyura:

• ** Amayeri 1 (Kwishyuza Ikarita yo Kuzigama) Mugihe ACH gukurura kwabo guhagaritswe na banki yawe, mudasobwa yabo ihita ihindura gari ya moshi kandi ikoresha ubwishyu nko kugura ikarita yo kubikuza. ** Countermeasure **: Hamagara banki yawe uyumunsi, vuga ko ibyangombwa byikarita yawe yo kubitsa biri mumaboko yumucuruzi wavanyweho, hanyuma usabe banki guhagarika ikarita burundu no gutanga nimero yikarita 16 yimibare ** (saba kandi banki guhagarika "Konti ya Visa / Mastercard Automatic Billing Updater" kugirango numero yikarita nshya idahita yoherezwa kubacuruzi basubiramo).
• ** Amayeri 2 (Izina-Hopping na Micro-Gutandukanya) **: Iyo umwenda w'amadolari 600 uhagaritswe, abatanga inguzanyo bahindura izina ryisosiyete yabo ACH gato hanyuma bakirukana amadeni atandatu atandukanye y'amadorari 100 mwijoro rimwe. ** Countermeasure **: Niba waragujije kumurongo utabifitiye uruhushya rwo hanze cyangwa umuryango utanga inguzanyo kumurongo uzwiho kwirengagiza blok ya ACH, inzira yizewe ni ugufungura konti nshya-igenzura kuri banki itandukanye cyangwa ihuriro ry’inguzanyo **, kwimura umushahara wawe utishyuye muri banki nshya mbere yo gufunga umushahara, gukuramo amafaranga asigaye kuri konti / Kubitsa kuri konti ishaje.

Gukoresha uburenganzira bwawe kuri 0% Gahunda Yaguwe yo Kwishura (EPP)¶

Mbere yo kutishyura kububiko bwemewe cyangwa inguzanyo yo kwishyura kumurongo, banza umenye niba leta cyangwa igihugu cyawe bihatira uwatanze inguzanyo gutanga itegeko ryagutse rya gahunda yo kwishyura (EPP) ** cyangwa ** Guhagarika Cooling-Off **:

• ** Amasaha 24 kugeza kuri 72-Gukonjesha-Gukuraho Uburenganzira **: Mubihugu hafi ya byose bigengwa nogutanga umushahara (kandi hakurikijwe itegeko ry’inguzanyo ku baguzi bo mu Bwongereza uburenganzira bwiminsi 14 yo kubikuza), niba wafashe inguzanyo yumushahara ejo ukamenya ko ari amakosa, urashobora gusubiza amafaranga nyayo yagurijwe mububiko mugihe cya ** 1 kugeza 3 kumunsi w'akazi ** (cyangwa iminsi 14 y'inguzanyo **).
• ** Gahunda yo Kwishyurwa Yateganijwe 4-Kwishyurwa (EPP) **: Niba utuye muri kimwe mu bihugu birenga 20 byo muri Amerika biteganya gahunda yo kwishyura yo kwagura (harimo Californiya, Colorado, Delaware, Florida, Idaho, Illinois, Indiana, Louisiana, Michigan, Nevada, New Mexico, Carolina y'Amajyepfo, Utah, Virginia, Washington, Wisconsin, na Wyoming Services)
  1. Ugomba gusaba Gahunda yo Kwishura Yaguwe ** byibuze umunsi 1 wakazi mbere yuko ** inguzanyo yawe irangiye (ntutegereze umunsi ukurikira cheque yawe itangiye).
  2. Injira mu iduka cyangwa winjire ku rubuga rwawe rwa interineti hanyuma uvuge: * "Nkoresha uburenganzira bwanjye bwemewe n'amategeko kuri gahunda yo Kwagura." *
  3. Mu mategeko, uwagurijwe agomba kugabana amafaranga asigaye muri ** 4 yishyurwa angana ukwirakwizwa mumishahara yawe itaha ** hamwe na ** zeru yongeyeho amafaranga yo kuzunguruka hamwe ninyungu zeru **, kandi ntishobora kuguha amafaranga mugihe wishyuye 4.

Imodoka yitiriwe Inguzanyo byihutirwa: guhagarika kugarura ibinyabiziga¶

Inguzanyo ya ** yimodoka ** (yitwa ** logbook inguzanyo ** mubwongereza) iteje akaga kuruta inguzanyo yo kwishyura kuko wasinyiye inyungu zumutekano (lien) kumpapuro yimodoka yawe. Iyo uwagurijwe atishyuye inguzanyo y'amadorari 1.000, uwatanze inguzanyo arashobora kwambura imodoka y'amadorari 10,000 umuryango wishingikirije ku kazi no ku ishuri.

flowchart TD
    TitleDefault["Imodoka Yinguzanyo Yinguzanyo Yashize Kubera cyangwa Gusubizwa Kubangamiwe"] --> LegalCheck{"Inguzanyo Yumutwe Yubahirizwa Muburyo Bwe muri Leta yawe?"}
    LegalCheck -->|"Igikorwa-Igikorwa cya Gisirikare cyangwa Biterwa"| MLA["1."]
    LegalCheck -->|"Leta Irabuza Inguzanyo Yumutwe cyangwa Caps APR kuri 36%"| VoidState["1. Abadafite uruhushya / Abatanze uburenganzira bwo hanze y’igihugu ntibashobora kubahiriza byemewe n'amategeko: File AG & Ushinzwe kugenzura amabanki."]
    LegalCheck -->|"Inguzanyo Yumutwe Yemewe muri Leta Yabemerewe"| ProtectCar["1. Kuraho ibikoresho byose, imiti, mudasobwa igendanwa, hamwe nintebe zabana mumodoka iri joro"]
    ProtectCar --> BreachPeace["2."]
    BreachPeace --> CureOrRefi["3."]
    CureOrRefi --> Surplus["4."]

1. Reba niba inguzanyo ya titre itemewe rwose¶

Mbere yo gutanga imfunguzo zawe, banza umenye niba uwatanze inguzanyo yarenze ku mategeko ya leta cyangwa ya leta mugihe utanga inguzanyo:

• ** Itegeko ryo kuguriza igisirikare (Umudepite) Kubuza burundu **: Mu mategeko ya federasiyo (10 USC § 987), birabujijwe rwose ** bitemewe ** ko umuntu wese uberewemo umwenda atanga inguzanyo yimodoka yimodoka hejuru ya ** 36% Igipimo cyumwaka wa Gisirikare (MAPR) ** kumukozi ukora akazi, umunyamurwango ukora / abashinzwe umutekano, cyangwa abo bashakanye / abo batunze. Inguzanyo iyo ari yo yose yatanzwe mu buryo bunyuranyije n’umudepite nta gaciro ifite kuva yatangira **, bivuze ko ingwate iri ku nyito y’imodoka yawe itemewe kandi uwatanze inguzanyo ntashobora kwambura imodoka yawe byemewe n'amategeko. Menyesha ibiro byawe byemewe n'amategeko (JAG) ako kanya.
• ** Inguzanyo zambukiranya imipaka cyangwa ku murongo wa interineti muri Leta zunze ubumwe za Amerika **: Kurenga kimwe cya kabiri cy’ibihugu by’Amerika birabuza gutanga inguzanyo z’imodoka ku buryo butaziguye cyangwa ku nyungu z’inyungu ku gipimo cya 24 kugeza kuri 36% APR (harimo New York, New Jersey, Connecticut, Massachusetts, Pennsylvania, Maryland, Carolina y'Amajyaruguru, Illinois, Michigan, Minnesota, Colorado, Washington, na Californiya ku nguzanyo iri hagati y'amadorari 2.500 na 10,000). Niba uwagurijwe kumurongo yagushutse ngo utware umurongo wa leta cyangwa wohereze izina ryawe mu kindi gihugu kugirango wirinde inyungu z’igihugu cyawe, abashinjacyaha bakuru ba leta hamwe n’abavoka bunganira mu mategeko barashobora guhagarika kwamburwa nk’amasezerano atemewe n'amategeko.

2. Uburenganzira bwawe bwumubiri burwanya umushoferi wikamyo ("Kutubahiriza amahoro")¶

Munsi yubucuruzi bumwe bumwe Icyiciro 9-609 (UCC § 9-609), uwatanze inguzanyo yizewe arashobora kwambura imodoka nta cyemezo cyurukiko ** gusa iyo gishobora gukorwa nta "Guhungabanya Amahoro." ** Soma igitabo cyuzuye car repossession and recovery rights for full details:

• A tow driver cannot open a closed residential garage door or cut a locked gate: While a repo agent can tow your car from an open driveway, apartment parking lot, or workplace street, they cannot break a padlock, open a closed garage door, or enter an enclosed building without a court writ of replevin signed by a judge.
• If you are physically present and object verbally before the car is hooked, they must stop: If you walk outside while the tow driver is preparing to hook your vehicle and calmly say, "I object to this repossession; get off my property," continuing the seizure over your face-to-face objection constitutes an illegal Breach of the Peace. (Never use physical force, weapons, or threats, and never jump into a car that is already lifted on a tow boom, which is life-threatening.)
• ** Hagarika cyangwa ubaze imyitwarire itemewe ya GPS Starter-Guhagarika imyitwarire **: Abatanga inguzanyo benshi bashiraho akazu ka GPS agasanduku kerekana kandi kakabuza gutangira umuriro mugihe ubwishyu bwawe bwatinze umunsi umwe. Birabujijwe rwose ko uwatanze inguzanyo azimya moteri yikinyabiziga ** mugihe imodoka igenda cyangwa idakora mumodoka **, kandi niba ukeneye imodoka mugihe cyihutirwa cyubuvuzi bwihutirwa bwubuzima, saba kode yihutirwa yamasaha 24 yatanzwe nuwatanze inguzanyo hanyuma wandike ibyanze.

3. Gusaba "Surplus Equity" niba imodoka yagurishijwe¶

Niba uwatanze titre asubije imodoka ifite agaciro ka $ 8000 kugirango yuzuze inguzanyo yamadorari 1.500 hanyuma agurisha imodoka kumadorari 7,000, ** uwatanze inguzanyo ntiyemerewe guterura amadorari 5.500 ** munsi UCC § 9-615 (muri leta hafi ya zose usibye akantu gato hamwe na karitsiye ya pawn-forfeiture). Uwatanze inguzanyo agomba kukwishura 100 ku ijana byamafaranga yagurishijwe ** asagutse ** hejuru yinguzanyo hamwe nigiciro gikwiye. Saba inyandiko yanditse ** Kubara amafaranga yagurishijwe ** muminsi 14 uhereye cyamunara yose.

Amatike yo kugura amaduka: uburyo bwo kuzigama umurage wumuryango nibikoresho byakazi kubura¶

Bitandukanye ninguzanyo yumushahara cyangwa titre, kugurisha ** pawn ** ntabwo ikubiyemo cheque yinguzanyo, ntishobora koherezwa kubakusanya imyenda, kandi ntizigera ibabaza amanota yinguzanyo niba utayishyuye. Ariko, umukoresha wa pawnbroker afite imitungo yawe ya zahabu, ibikoresho bya muzika, imbunda, cyangwa ibikoresho byakazi, kandi iyo itariki yo gukura ya ** hiyongereyeho igihe cyateganijwe n'amategeko ** kirangiye, nyirubwite yimura mu iduka rya pawn (forfeiture).

1. ** Soma Itariki yo gukura hamwe na Grace Igihe cyagenwe kumatike yawe ya pawn **: Amategeko ya pawn ya leta ateganya igihe ntarengwa cyinguzanyo (mubisanzwe iminsi 30) ikurikirwa nigihe cyateganijwe ** cyateganijwe ** (mubisanzwe wongeyeho iminsi 30 kugeza 60, muri Texas na Floride, cyangwa amezi 4 yose hamwe muri Californiya na New York) mbere yuko iduka rishobora kugurisha ibintu byawe kugurisha.
2. ** Iyishyure GUSA inyungu / ukwezi kwishyurwa kuri "Roll Over / Kuvugurura" itike **: Niba umunsi wawe wanyuma wo gucungurwa ari uyumunsi kandi ufite amadorari 40 ariko ntabwo amadorari 400 akenewe kugirango ugure ibintu byawe byuzuye, jya mumaduka ya pawn mbere yigihe cyo gufunga hanyuma wishyure ** serivisi yama pawn yamezi 1 / amafaranga yinyungu **. Muri leta hafi ya zose, kwishyura amafaranga yinyungu yabariwe buri kwezi byemewe n'amategeko ** avugurura kandi agasubiramo itike ya pawn kubindi byiciro 30-kugeza-90-byuzuye byiminsi **, bikabuza ko ibintu byawe byamburwa igurishwa.
3. ** Saba ikinyabupfura cyanditse niba ufite iminsi 3 ngufi **: Kuberako amaduka ya pawn muri rusange ahitamo gukusanya inyungu zihoraho zukwezi kumukiriya usubiramo hejuru yo kuvugurura no kugurisha ibikoresho byakoreshejwe cyangwa impeta, hamagara umuyobozi wububiko ** mbere yuko igihe cyubuntu kirangira (igihe cyubuntu kirangiye, sisitemu ya mudasobwa akenshi ihita yimura ikintu mububiko bwibicuruzwa aho abanditsi badashobora kugisubiza) hanyuma bagasaba gufata iminsi 7 yashyizweho umukono.
4. ** Byagenda bite se niba iduka rya pawn ryatakaye, ryangiritse, cyangwa ryagurishije ibintu byawe hakiri kare? **: Mugihe ufashe umutungo wawe mugihe cyinguzanyo nigikorwa cyubuntu, umukoresha wa pawnbroker afite inshingano zemewe zo kwita nkumuhesha w'inkiko ** kubwinyungu rusange **. Niba iduka ryaragurishije impeta ya nyogokuru iminsi ibiri * mbere yuko igihe cyawe cyemewe n'amategeko kirangira, cyangwa cyatakaje ikintu cyawe mucyumba cyinyuma, barashobora kuguha uburenganzira bwo kukwishyura ** byuzuye-isoko ryuzuye ryo gusimbuza agaciro ** kubintu (ntabwo ari amafaranga make yinguzanyo baguhaye). Menyesha kugurisha imburagihe ako kanya kubiro byawe bya Polisi ishami rya Pawn Unit ** hamwe nubuyobozi bwa leta.

Ibindi byihutirwa kugirango uhunge umushahara wizunguruka¶

Umaze guhagarika imiyoboro ya ACH kuri konte yawe yo kugenzura, koresha aya mafranga yagenzuwe make ahendutse kugirango uhindure ingengo yumuryango wawe utarigeze usubira mububiko buhembwa:

• ** Inguzanyo Yumushahara Undi (PALs I & II.
• ** Ibigo by’imari biteza imbere abaturage (CDFIs) na Gahunda yo Gutanga Inguzanyo-Inguzanyo **: CDFI idaharanira inyungu hamwe n’amashyirahamwe y’inguzanyo itangwa na gahunda ikora gahunda yihariye ya "Predatory Loan Buyout / Title Loan Rescue" yishyura 300% yinguzanyo yimodoka ya APR kandi ikayisimbuza inguzanyo yimodoka ifite inyungu nkeya-60%.
• ** Gahunda zingirakamaro zingirakamaro hamwe nimpano 211 **: Ntuzigere ufata inguzanyo yumushahara cyangwa titre kugirango wishyure amashanyarazi, gaze, cyangwa amazi. Ibigo byingirakamaro birasabwa na komisiyo ishinzwe ibikorwa rusange bya leta gutanga gahunda yukwezi 12 kugeza 24-amezi ** gahunda yo kwishyura yatinze **, guhagarika imbeho / icyi cyo guhagarika, hamwe ninkunga ya LIHEAP hamwe ninyungu zeru. Reba ubuyobozi bwacu kuri ikibazo gitunguranye kubikorwa byingirakamaro hamwe nibiribwa.

Kugenzura urutonde rwo guhagarika inguzanyo zidahwitse¶

Kurikiza uru rutonde uyu munsi mbere yuko umushahara utaha utaha:

• Yatanze inyandiko yanditse ** Amatangazo yo gukuraho ACH ** ukoresheje imeri hamwe nubutumwa bwemewe kuri buri munsi cyangwa umushahara utanga amafaranga menshi kumurongo byibuze iminsi 3 yakazi mbere yumushahara.
• Yatanze kopi ya ACH yo gukuraho banki yawe hanyuma ashyiraho burundu Guhagarika Kwishura / Kwanga guhagarika inguzanyo.
• Yahagaritse ikarita yawe yo kubitsa isanzwe kandi isaba nimero nshya yimibare 16 kugirango abatanga inguzanyo badashobora gukuramo ikarita yo kubikuza.
• Fungura konti isukuye neza muri sendika cyangwa banki idafitanye isano ninguzanyo hanyuma wimure umushahara wawe utaziguye niba ukorana nabaterankunga batabifitiye uburenganzira.
• Yasabwe n'amategeko 0% ** Gahunda yo Kwagura Yaguwe (EPP) ** niba uguza inguzanyo yatanzwe mububiko bwemewe muri leta ya EPP.
• Yakuyeho ibikoresho byose byakazi, imiti, nibintu byagaciro mumodoka yawe niba inguzanyo ya titre yimodoka idahwitse.

Ibibazo bikunze kubazwa¶

Inkomoko yagenzuwe¶

• Consumer Financial Protection Bureau (CFPB, United States): Electronic Fund Transfer Act (Regulation E) Consumer Rights: Stopping Preauthorized ACH Debits from Payday Lenders, and the Payday Lending Payment Withdrawal Rule.
• Federal Trade Commission (FTC, United States): Illegal Debt Collection Practices, Fake Arrest Warrant Scams, and Auto Title Loan Repossession Rules.
• Department of Defense and Consumer Financial Protection Bureau (DoD / CFPB, United States): Military Lending Act (MLA, 10 U.S.C. § 987): 36% MAPR Cap and Prohibition of Vehicle Title Loans for Service Members.
• National Consumer Law Center (NCLC, United States): Surviving Debt: High-Cost Payday Loans, Auto Title Repossessions, Uniform Commercial Code Article 9 Breach of the Peace, and Pawn Transactions.
• Financial Conduct Authority and Citizens Advice (FCA, United Kingdom): High-Cost Short-Term Credit (Payday) Price Caps, Continuous Payment Authority (CPA) Cancellation Rights, and Logbook Loan Protections.

Kuyobora¶

• Kwirinda inguzanyo zinyamaswa
• Gusubirana imodoka n'uburenganzira bwo kugarura
• Abakusanya imyenda gutotezwa
• Ikibazo gitunguranye