Ta'ofi 'o e no 'aho totongi ACH drains, 'otometiki title no puke, mo e pawn default¶

When an unexpected medical bill, car repair, or reduced work schedule pushes a household to take out a 400 percent Annual Percentage Rate (APR) payday loan, a single-payment auto title loan, or a high-fee pawn ticket, the trap springs on your very next payday. Predatory short-term lenders structure these loans so that the lump-sum principal plus exorbitant rollover fees automatically sweep your checking account via the Automated Clearing House (ACH) network the minute your paycheck lands, leaving zero dollars for rent, groceries, or utilities and forcing you to re-borrow immediately.

Worse still, when a borrower cannot pay a 30-day auto title loan, the lender can trigger a remote GPS starter-interrupt device or dispatch a tow truck to seize the family vehicle needed to get to work, even if the car is worth five times the loan balance. Escaping this spiral requires knowing one fundamental legal fact: taking away a payday lender's electronic access to your bank account is 100 percent legal under banking law, and you cannot be arrested or jailed for defaulting on a civilian payday, installment, or title loan.

Fai ʻeni he taimí ni .¶

1. Legally revoke the payday lender's ACH debit authorization at least 3 business days before payday: Under the US Electronic Fund Transfer Act (Regulation E) and international direct-debit banking laws, you have an absolute statutory right to revoke any lender's permission to debit your bank account by delivering a written Notice of ACH Revocation to both the lender and your bank.
2. Issue a formal Stop Payment Order at your bank and cancel any linked debit card: Because predatory online lenders frequently change their merchant billing name to sneak past single-merchant blocks, place an official Stop Payment on the lender's ACH company ID and report your plastic debit card "lost or compromised" so the bank issues a new 16-digit card number.
3. Move your paycheck direct deposit to a clean bank account immediately: If a payday or tribal installment lender repeatedly attempts multiple small split debits that rack up 35-dollar Non-Sufficient Funds (NSF) fees at your current bank, open a fresh checking account at an unrelated credit union or bank and route your payroll direct deposit and government benefits there before your next pay cycle.
4. Demand a no-cost Statutory Extended Payment Plan (EPP) before your payday loan defaults: In more than 20 US states (and under FCA forbearance rules in the UK and provincial laws in Canada), storefront and licensed payday lenders are legally required to convert your lump-sum payday loan into a fee-free, interest-free 4-installment Extended Payment Plan if you request it at least 24 hours before the due date.
5. For Auto Title Loans, check if the loan violates state APR caps or the Military Lending Act: If your car is threatened with title-loan repossession, remove all personal tools, medications, and child seats from the trunk tonight, park inside an enclosed residential garage if legal in your state, and check whether the lender is operating illegally without a state license or violating the 36 percent APR cap for military families.
6. For Pawn Tickets due today, pay the single-month interest/storage extension fee to prevent forfeiture: Unlike payday loans, a standard pawn transaction is a non-recourse collateral bailment; if the redemption deadline expires at close of business today, title to your heirloom jewelry or tools transfers permanently to the pawnbroker unless you pay the monthly extension fee or negotiate a written hold.

Comparing the 3 short-term emergency debt traps and your legal options¶

Different laws govern unsecured payday/installment loans, vehicle-secured title loans, and collateral pawn tickets. You must prioritize which obligation to freeze and which asset to protect first.

flowchart TD
    Crisis["Short-Term Predatory Loan Due Within 72 Hours"] --> Type{"Which Type of High-Cost Loan?"}
    Type -->|"Payday or Online Installment Loan"| EPPCheck{"Does State/Country Mandate Free Extended Payment Plan?"}
    EPPCheck -->|"Yes (Over 20 US States / UK / Canada)"| DemandEPP["1. Request Statutory 4-Pay No-Fee Extended Payment Plan (EPP) Before Due Date"]
    EPPCheck -->|"No (Or Predatory/Tribal Lender Refuses)"| RevokeACH["1. Send Written Reg E Notice of ACH Revocation to Lender AND Bank (3+ Business Days Before Debit)"]
    DemandEPP --> RevokeACH
    RevokeACH --> BankShield["2. Issue Bank Stop Payment, Cancel Linked Debit Card, and Move Direct Deposit to Clean Bank Account"]
    Type -->|"Auto Title Loan (Car at Risk)"| TitleStep1["1. Empty All Work Tools, Meds, and Personal Property From Vehicle Immediately"]
    TitleStep1 --> TitleStep2["2. Siaki 'a e Lao ki he No 'a e Pule'anga & No Fakakautau (36% Cap Voiding 'a e ngaahi Liens Title Ta'efakalao)"]
    TitleStep2 --> TitleStep3["3. Apply for Emergency CDFI Credit Union Title-Loan Rescue Refinance or Chapter 13 Automatic Stay"]
    Type -->|"Pawn Shop Ticket Expiring"| PawnStep1["1. Sivi'i 'a e Vahe taimi Kelesi Fakalao 'i he Tikite ('Oku angamaheni 'aki 'a e 'Aho 'e 30 ki he 60 'i he 'aho 'oku totonu ke totongi)"]
    PawnStep1 --> PawnStep2["2. Totongi 'a e Totongi Tupu/Totongi Tauhi'anga 'o e Mahina 'e Taha Kimu'a he 'Aho Faka'osi ke Roll Tikite ki Mu'a 'o 'Ikai Mole 'a e Me'a"]

Sitepu-ki-he-sitepu: Founga ke ta'ofi fakalao ai ha tokotaha no 'aho totongi mei hono fakatafe ho'o 'akauni pangike¶

Ko e taimi naʻá ke fakamoʻoni ai ki ha nō ʻaho totongi ʻi he ʻinitanetí pe ʻi he falekoloá, naʻe kau ʻi he tohi lelei ʻa e ACH Debit Authorization (pea ʻoku faʻa hoko ko ha fakamafaiʻi totongi ʻo e kaati-debit ʻoku fufuuʻi) ʻo fakaʻatā ai ʻa e tokotaha nō ke ne toʻo fakaʻilekitulōnika ʻa e paʻangá mei hoʻo ʻakauni sieke. ‘I he malumalu ‘o e Lao ki he Fe‘ave‘aki Pa‘anga Faka‘ilekitulōnika ‘a e ‘Iunaite Seteté (15 U.S.C. § 1693e / Tu‘utu‘uni ‘a e Pa‘anga Fakatahataha E, 12 CFR § 1005.10©), ko e Fakapapau‘i ‘o e Mo‘ua Fakahangatonu ‘a Pilitāniá / Fatongia ‘o e Konisiuma ‘a e FCA, mo e **Tu‘utu‘uni ‘o e Ngaahi Totongi ‘a Kānatá. totonu fakalao ta’efakangatangata ke ta’ofi ‘a e ngaahi fe’ave’aki pa’anga faka’ilekitulonika kuo fakamafai’i kimu’a ‘i ha taimi pe. Neongo kapau 'oku pehe 'e ho'o aleapau no 'oku "'ikai lava ke fakafoki 'a e fakamafai'i 'o e ACH," 'oku faka'auha 'e he lao pangike fakafederal 'a e kupu ko ia 'o e aleapau.

Sitepu 1: ʻAve ha Tohi ʻo e Fanongonongo ʻo e Fakafoki ʻo e ACH ki he tokotaha ʻoku ʻoange ʻa e nō .¶

'Ikai si'i hifo he 'aho ngaue kakato 'e 3 kimu'a pea toki fakataimitēpile'i 'a e 'aho totongi, 'ave ha 'imeili mo ha tohi fakamo'oni (pe to'o ha screenshot timestamped 'o e portal fekau 'i he 'initaneti 'a e kautaha no) 'oku 'i ai 'a e fakatokanga fakalao pau ko 'eni:

Kaveinga: FAKAFOKI FORMAL 'O E ACH MO E FAKAMAFAI'I 'O E TIPITI 'ILEKITULONIKA: 'Akauni #[Fika 'e 4 Fakamuimuitaha]

"Fakatatau ki he lao fakapangike fakafederal (15 U.S.C. § 1693e mo e 12 CFR § 1005.10 / ngaahi tu'utu'uni fakafonua 'oku faka'aonga'i 'o e fakahangatonu-debit), 'Oku ou FAKAFOKI tu'uma'u 'eku fakamafai'i ki he [Hingoa 'o e Tokotaha No], 'a hono ngaahi kautaha matu'a, ngaahi ngaue totongi 'o e fale 'o e C debits, sieke faka'ilekitulonika, sieke na'e fa'u mei he mama'o, pe ngaahi totongi 'o e kaati debit ki he'eku 'akauni sieke 'oku ngata 'i he [XXXX] 'i he [Hingoa 'o Ho'o Pangikē] pe ko ha toe 'akauni fakapa'anga kehe 'oku ou ma'u, 'oku kamata ngaue 'i he taimi pe ko ia Ko ha debit faka'ilekitulonika 'oku feinga hili hono ma'u 'o e fanongonongo ko 'eni 'oku 'ikai fakamafai'i 'aupito."

Sitepu 2: ʻOatu ha tatau ʻo e Fakafoki mo ha Tuʻutuʻuni Taʻofi ʻo e Totongi ki hoʻo pangikē .¶

'Oua 'e falala ki ha tokotaha 'aho totongi 'i he 'initaneti ke faka'apa'apa'i ho'o fakatokanga fakafoki 'iate kinautolu pe. ‘I he ‘aho tatau pē:

1. Lue atu ki ho'o va'a pangike pe telefoni ki he potungaue Fe'ave'aki Pa'anga Faka'ilekitulonika / ACH Dispute 'a ho'o pangike.
2. Talaange ki he 'ofisa pangike: "Kuo u fakafoki 'eku fakamafai'i 'a e [Hingoa 'o e Tokotaha No] ke ne debit 'eku 'akauni 'i he malumalu 'o e Tu'utu'uni E, pea 'oku ou fokotu'u ha poloka fakafoki tu'uma'u / Stop Payment Order ki he ngaahi debit kotoa pe 'a e ACH 'i he kaha'u mei he kautaha fakatau ko 'eni."
3. 'Ilo'i 'a e faikehekehe 'o e Totongi Ta'ofi 'e taha mo e Poloka Fakafoki Kakato: 'Oku feinga 'a e kau teller 'e ni'ihi 'i he pangike ke totongi ha totongi 'e 30-tala ke poloka ha pa'anga 'e taha pe. Talaange ki he pangike kuo ke fakafoki faka'aufuli 'a e fakamafai 'oku 'i lalo ('oange kiate kinautolu ha tatau 'o e 'imeili na'a ke 'ave ki he tokotaha 'oku ne 'oatu 'a e no). Ko e taimi pe 'oku fakatokanga'i ai ho'o pangike kuo fakafoki 'a e fakamafai'i, 'Oku fie ma'u fakalao 'a e pangike 'i he malumalu 'o e Tu'utu'uni E mo e ngaahi tu'utu'uni ngaue 'a e NACHA ke ta'ofi ngaahi mo'ua kotoa pe 'i he kaha'u mei he tokotaha na'a ne kamata'i ko ia, pea kapau 'oku sneaks 'e he tokotaha 'oku ne foaki 'a e no ha mo'ua 'o fakafou 'i ha fa'ahinga founga pe, ho'o pangike **kuo pau ke toe fakamo'ua 'a e peseti 'e 100 'o ho'o pa'anga nafunnic Transferlusd ko ha totongi ‘overdraft ‘oku tupu mei he toho ta’efakamafai’i).

Sitepu 3: Kaniseli ho'o Kaati Debit pelesitiki pea ikuna'i 'a e "Vahevahe-Fefakatau'aki" ngaahi founga .¶

'Oku faka'aonga'i 'e he kau no 'i he 'Initaneti predatory 'a e ongo founga 'uli ke ma'u 'a e takatakai 'i ha ACH Ta'ofi 'a e Totongi:

• Trick 1 (Backup Debit Card Billing): 'I he tohi kole no, na'a nau kole atu ho'o fika kaati Visa pe Mastercard fika 16 "ki hono fakamo'oni'i 'o e 'ulungaanga." Ko e momeniti 'oku poloka ai 'enau ACH to'o 'e ho'o pangike, 'oku 'otometiki 'enau komipiuta 'a e ngaahi 'a e ngaahi 'a e ngaahi lēlue pea lele 'a e totongi ko ha fakatau 'o e kaati debit 'o e poini-'o e fakatau. Fakafepaki: Ta ki ho'o pangike he 'aho ni, fakaha 'oku 'i he nima 'o ha tokotaha fakatau kuo fakafoki ho'o ngaahi fakamo'oni kaati, pea kole ki he pangike ke kaniseli kakato 'a e kaati pea 'oatu ha fika kaati fo'ou 'oku fika 16 (kole foki ki he pangike ke fakata'e'aonga'i 'a e "Visa 'akauni Updater / Mastercard is" 'oku 'otometiki hono fakahoko atu ki he kau fakatau 'oku toutou 'asi mai).
• Trick 2 (Hingoa-Hopping mo e Micro-Splitting): 'I he taimi 'oku poloka ai ha mo'ua 'o e 600-tala, 'Oku ki'i liliu 'e he kau no rogue honau hingoa 'o e kautaha ACH pea fana'i 'a e ngaahi mo'ua kehekehe 'e ono 'o e 100-tala 'i he po 'e taha. Countermeasure: Kapau kuo ke no mei ha taha 'oku 'ikai laiseni 'i 'uta pe matakali 'i he 'initaneti 'oku 'iloa 'a e no 'i he ta'etokanga'i 'o e ngaahi poloka ACH, ko e nga'unu malu taha ko e fakaava ha 'akauni sieke brand-fo'ou 'i ha pangike kehe pe 'iunioni no, hiki ho'o sieke totongi fakahangatonu ki he pangike fo'ou kimu'a pea toki loka 'a e totongi 'o e pangike ki he, to'o ho'o toenga 'o e cash 'a e andse . pe fokotu'u ia 'i he tu'unga "Tipositi-Pe / Post 'ikai ha ngaahi mo'ua".

Faka'aonga'i ho'o totonu ki ha Palani Totongi Fakaloloa Fakalao (EPP) 0%¶

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

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

Auto Title Loan emergencies: stopping vehicle repossession¶

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

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

1. Check if the title loan is completely illegal and void¶

Before surrendering your keys, verify whether the lender broke federal or state law when issuing the loan:

• The Military Lending Act (MLA) Absolute Ban: Under federal law (10 U.S.C. § 987), it is strictly illegal for any creditor to issue a motor vehicle title loan above 36 percent Military Annual Percentage Rate (MAPR) to an active-duty service member, activated Guard/Reserve member, or their spouse/dependents. Any title loan made in violation of the MLA is void from its inception, meaning the lien on your car title is invalid and the lender cannot legally repossess your vehicle. Contact your base Legal Assistance (JAG) office immediately.
• Illegal Cross-Border or Online Title Loans in Cap States: More than half of US states either prohibit auto title lending outright or cap interest rates at 24 to 36 percent APR (including New York, New Jersey, Connecticut, Massachusetts, Pennsylvania, Maryland, North Carolina, Illinois, Michigan, Minnesota, Colorado, Washington, and California for loans between 2,500 and 10,000 dollars). If an online lender tricked you into driving across a state line or mailing your title to another state to evade your home state's usury cap, state Attorneys General and legal aid lawyers can often block the repossession as an unlawful usurious contract.

2. Your physical rights against a repossession tow-truck driver ("Breach of the Peace")¶

Under Uniform Commercial Code Section 9-609 (UCC § 9-609), a secured title lender may repossess a vehicle without a court order only if it can be done without a "Breach of the Peace." Read our complete guide on 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.)
• Disable or question illegal GPS Starter-Interrupt behaviour: Many title lenders install a dashboard GPS box that beeps and disables your ignition starter when your payment is one day late. It is strictly illegal for a lender to shut off a vehicle's engine while the car is driving or idling in traffic, and if you need the car for an immediate life-safety medical emergency, demand an emergency 24-hour override code from the lender and document the refusal.

3. Demanding your "Surplus Equity" if the car is sold¶

If a title lender repossesses a car worth 8,000 dollars to satisfy a 1,500-dollar title loan and auctions the car off for 7,000 dollars, the lender is not allowed to pocket the extra 5,500 dollars under UCC § 9-615 (in almost all states except a tiny handful with special pawn-forfeiture carveouts). The lender must pay you 100 percent of the surplus sale proceeds above the loan balance and reasonable towing costs. Demand a formal written Accounting of Sale Proceeds within 14 days of any repossession auction.

Pawn shop tickets: how to save family heirlooms and work tools from forfeiture¶

Unlike payday or title loans, a pawn transaction does not involve a credit check, cannot be sent to debt collectors, and never hurts your credit score if you do not pay it back. However, the pawnbroker holds physical possession of your gold jewelry, musical instrument, firearm, or work tools, and once the maturity date plus the statutory grace period expires, ownership transfers automatically to the pawn shop (forfeiture).

1. Read the Maturity Date and Statutory Grace Period on your pawn ticket: State pawn statutes mandate a minimum loan term (usually 30 days) followed by a mandatory statutory grace period (typically an additional 30 to 60 days, such as 30+30 days in Texas and Florida, or 4 months total in California and New York) before the shop can put your item out for sale on the retail floor.
2. Pay ONLY the monthly interest/finance charge to "Roll Over / Renew" the ticket: If your final redemption day is today and you have 40 dollars but not the 400 dollars needed to buy your item back in full, walk into the pawn shop before closing time and pay the 1-month pawn service charge / interest fee. In almost every state, paying the accrued monthly interest fee legally renews and resets the pawn ticket for another full 30-to-90-day cycle, preventing your item from being forfeited to the sales floor.
3. Request a written courtesy hold if you are 3 days short: Because local pawn shops generally prefer collecting steady monthly interest from a repeat customer over refurbishing and reselling used tools or rings, call the store manager before the grace period expires (once the grace period expires, the computer system often automatically moves the item into retail inventory where clerks cannot reverse it) and ask for a signed 7-day hold attached to your ticket stub.
4. What if the pawn shop lost, damaged, or sold your item early?: While holding your property during the active loan and grace period, the pawnbroker has a legal duty of care as a bailee for mutual benefit. If the shop sold your grandmother's ring two days before your statutory grace period expired, or lost your item in the back room, they are legally liable to pay you the full fair-market replacement value of the item (not just the tiny loan amount they lent you). Report premature sales immediately to your local Police Department Pawn Unit and state licensing regulator.

Emergency alternatives to escape the payday rollover cycle¶

Once you have blocked the ACH drain on your checking account, use these verified low-cost resources to stabilize your household budget without ever stepping back into a payday store:

• Payday Alternative Loans (PALs I & II) from Federal Credit Unions: Federal credit unions across the United States offer regulated Payday Alternative Loans ranging from 200 to 2,000 dollars with interest rates strictly capped at 28 percent APR (compared to 400 percent at a payday store), application fees capped at 20 dollars, and 1 to 12 months to repay in small installments.
• Community Development Financial Institutions (CDFIs) and Title-Loan Refinance Programs: Nonprofit CDFIs and mission-driven credit unions run specific "Predatory Loan Buyout / Title Loan Rescue" programs that pay off a 300 percent APR auto title lien and replace it with a low-interest credit-builder auto loan, cutting your monthly payment by 60 to 80 percent.
• Utility Hardship Programs and 211 Grants: Never take out a payday or title loan to pay an electric, gas, or water bill. Utility companies are required by state public utility commissions to offer 12-to-24-month deferred payment plans, winter/summer shutoff moratoriums, and LIHEAP grants with zero interest. See our guide on sudden financial hardship for utility and food triage.

Triage checklist for stopping predatory loan defaults¶

Follow this checklist today before your next paycheck arrives:

• Delivered a written Notice of ACH Revocation via email and certified mail to every payday or high-cost online lender at least 3 business days before payday.
• Provided a copy of the ACH Revocation to your bank and placed a permanent Stop Payment / Revocation Block on the lender.
• Canceled your existing plastic debit card and requested a new 16-digit card number so lenders cannot run backup debit-card pulls.
• Opened a clean checking account at an unrelated credit union or bank and moved your payroll direct deposit there if dealing with aggressive unlicensed online lenders.
• Requested a statutory 0% Extended Payment Plan (EPP) if borrowing from a licensed storefront lender in an EPP state.
• Removed all personal work tools, medications, and valuables from your vehicle if an auto title loan is in default.

Ngaahi fehu'i 'oku toutou 'eke .¶

Kuo vakaiʻi ʻa e ngaahi maʻuʻanga fakamatalá¶

• 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.
• Senitā Lao Fakafonua ki he Kau Fakatau (NCLC, ʻIunaiteti Siteiti): Moʻua ʻoku Moʻui: Ngaahi No ʻaho Totongi Fakamole Maʻolunga, Toe Maʻu ʻo e Title ʻo e ʻOto, Lao Fakakomesiale Fakatahataha Kupu 9 Maumauʻi ʻo e Melino, mo e Ngaahi Fefakatauʻaki ʻo e Pawn.
• Ma'u Mafai ki he To'onga Fakapa'anga mo e Fale'i ki he Kakai (FCA, 'Ingilani): Ngaahi Fakangata Totongi 'o e No Taimi Nounou ('Aho Totongi) Fakamole Lahi, Ngaahi Totonu Kaniseli 'a e Ma'u Mafai ki he Totongi Hokohoko (CPA), mo e Ngaahi Malu'i 'o e No 'i he Tohi Fakamole.

Ngaahi fakahinohino fekau'aki¶

• Faka'ehi'ehi mei he ngaahi no kaiha'a .
• Totonu ke toe ma'u 'a e me'alele mo e fakafoki
• Fakahoha'asi 'a e kau tanaki mo'ua
• Faingata‘a‘ia fakapa‘anga fakafokifā .