Ukumisa imali-mboleko yosuku lwe-ACH, ukuhlutha imali mboleko yetayitile yemoto, kunye nokusilela kwe-pawn¶

Xa i-bill yezonyango engalindelekanga, ukulungiswa kwemoto, okanye ishedyuli yomsebenzi encitshisiweyo ityhala umzi ukuba uthabathe i-400 yepesenti ye-Annual Percentage Rate (APR) mboleko yosuku lokurhola, intlawulo-mboleko yetayitile yemoto enye, okanye itikiti lepawn ephezulu, umgibe uyavela ngosuku lwakho olulandelayo lokurhola. Ababolekisi bexesha elifutshane abakhohlakeleyo baqulunqa ezi mboleko ukuze inqununu yemali-sixa-mali kunye neemali ezigqithisiweyo zitshayela ngokuzenzekelayo i-akhawunti yakho yokutshekisha nge-Automated Clearing House (ACH) womnatha wothungelwano ngomzuzu ohlawula ngawo umvuzo wakho, ishiya iidola eziziro zerenti, igrosari, okanye izinto eziluncedo kwaye ikunyanzele ukuba uboleke kwakhona kwangoko.

Okubi nangakumbi, xa umntu obolekayo engakwazi ukuhlawula imali-mboleko yetayitile yeentsuku ezingama-30, umbolekisi usenokuqalisa isixhobo sokuqalisa esikude se-GPS okanye athumele ilori yokutsala isithuthi sosapho esifunekayo ukuze siye emsebenzini, nokuba imoto ixabisa kahlanu ibhalansi yemali mboleko. Ukubaleka le spiral kufuna ukwazi inyani enye esisiseko esemthethweni: ukususa i-electronic access yomboleki kwi-akhawunti yakho yebhanki kusemthethweni we-100 pesenti phantsi komthetho webhanki, kwaye awunakubanjwa okanye uvalelwe ngenxa yokungabhatali ngosuku lokurhola, isavenge, okanye imali-mboleko yetayitile.

Yenza oku ngoku¶

1. Ukurhoxisa ngokusemthethweni ugunyaziso lokutsalwa kwebhanki kwi-ACH yombolekisi wosuku lokurhola ubuncinane kwiintsuku ezi-3 zokusebenza phambi komhla wokurhola: Phantsi koMthetho woThutho lweNgxowa-mali ye-Elektronikhi yase-US (uMmiselo E) kunye nemithetho yamazwe ngamazwe yokutsalwa kwetyala ngokuthe ngqo kwebhanki, unelungelo elipheleleyo elisemthethweni lokurhoxisa nayiphi na imvume yombolekisi yokutsala i-akhawunti yakho yebhanki ngokuzisa incwadi ebhaliweyo Isaziso soMbolekisi kunye nesaziso sebhanki kwi-ACH yakho zombini.
2. Khupha uMyalelo weNtlawulo osemthethweni kwibhanki yakho kwaye ucime naliphi na ikhadi ledebhithi eliqhagamshelweyo: Ngenxa yokuba ababolekisi abasebenzisa i-intanethi badla ngokutshintsha igama labo lokuhlawula umthengisi ukuze bachwechwe badlule kwiibhloko zomthengisi omnye, beka igosa Yekisa iNtlawulo kwi-ID yenkampani ye-ACH yomboleki kwaye unike ingxelo yekhadi lakho lebhanki leplastiki "elilahlekileyo okanye lichithwe inombolo entsha-ikhadi lebhanki eli-1" likhupha inombolo entsha yebhanki.
3. Hambisa umvuzo wakho wediphozithi ngqo kwi-akhawunti yebhanki ecocekileyo ngoko nangoko: Ukuba umntu ohlawula umhla wokuhlawula okanye obolekisa ngezavenge ezama ngokuphindaphindiweyo ukutsalwa kwezavenge ezininzi ezincinci eziqokelela iimali ezingama-35 zeerandi eziNganelanga (NSF) kwibhanki yakho yangoku, vula iakhawunti entsha yokutshekisha kwimanyano yetyala enganxulumananga okanye ebhankini kwaye ulandele idiphozithi yakho yokuhlawula ngokuthe ngqo kunye nomjikelo wakho olandelayo wokuhlawula apho phambi kokuhlawula kwakho okulandelayo.
4. Banga iSicwangciso seNtlawulo eyoNgezelelweyo yeendleko ezisemthethweni (EPP) phambi kokusilela kwimali-mboleko yosuku lwakho lokuhlawula: Kumazwe angaphezu kwama-20 ase-US (naphantsi kwemithetho yonyamezelo ye-FCA e-UK kunye nemithetho yephondo e-Canada), ivenkile engaphambili kunye nababolekisi bosuku lokuhlawula abanelayisensi bayafuneka ngokusemthethweni ukuguqula isixa-mali-mboleko yakho yokuhlawula ibe **intlawulo-mali-mboleko-simahla ukuba ucele Ukuhlawula-mahhala, ukuhlawula iSicwangciso esingenanzala Iiyure ezingama-24 ngaphambi komhla omiselweyo.
5. ** Kwimali-mboleko yeSitayiti se-Auto, khangela ukuba imali-mboleko iyaphula i-APR ye-APR okanye i-Military Lending Act **: Ukuba imoto yakho isoyikiswa ngokuthathwa kwemboleko-mboleko, susa zonke izixhobo zomntu, amayeza, kunye nezihlalo zabantwana ukusuka esiqwini ngobu busuku, paka ngaphakathi kwigaraji evalelweyo yokuhlala ukuba isemthethweni kwilizwe lakho, kwaye ujonge ukuba umbolekisi usebenzisa i-3% yelayisenisi yomkhosi ngokungekho semthethweni
6. Kumatikiti ePawn ahlawulwe namhlanje, hlawula inzala yenyanga enye/umrhumo wogcino wokwandiswa ukunqanda ukuhluthwa: Ngokungafaniyo nemali-mboleko yosuku lokurhola, intengiselwano yepawn eqhelekileyo sisibambiso sebheyile esingeyosicelo; ukuba umhla osikiweyo wokuhlawulela uphela ekupheleni kweshishini namhlanje, isihloko sezacholo ze-heirloom okanye izixhobo zigqithiselwa ngokusisigxina kwi-pawnbroker ngaphandle kokuba uhlawule umrhumo wokwandiswa kwenyanga okanye uthethathethwano ngokubamba ngokubhaliweyo.

Ukuthelekisa i-3 imigibe yetyala elingxamisekileyo lexesha elifutshane kunye neendlela zakho zomthetho¶

Imithetho eyahlukeneyo ilawula imali-mboleko yosuku lokurhola/izavenge ezingakhuselekanga, imali-mboleko yetayitile ekhuselweyo yesithuthi, kunye namatikiti okubambisa. Kufuneka ubeke phambili ukuba yeyiphi imbopheleleko yokuyimisa kwaye yeyiphi i-asethi onokuyikhusela kuqala.

flowchart TD
    Crisis["Ixesha elifutshane lemali-mboleko ye-Predatory efunekayo kwiiyure ezingama-72"] --> Type{"Loluphi uhlobo lweMali-mboleko eneendleko eziphezulu?"}
    Type -->|"Usuku lokuhlawula okanye iMali-mboleko yezavenge ze-Intanethi"| EPPCheck{"Ngaba iSizwe/Ilizwe ligunyazisa isiCwangciso seNtlawulo eYandisiweyo yaSimahla?"}
    EPPCheck -->|"Ewe (Ngaphezu kwama-20 e-US States / UK / Canada)"| DemandEPP["1. Cela ngokusemthethweni 4-Hlawula iSicwangciso seNtlawulo eyongezelelweyo (EPP) phambi komhla omiselweyo"]
    EPPCheck -->|"Hayi (Okanye Wala uMboleki Wesizwe/Okwala)"| RevokeACH["1. Thumela iSaziso esiBhaliweyo sokurhoxiswa kwe-ACH kuMboleki NEBhanki (iiNtsuku ezi-3+ zokuSebenza phambi kweDebit)"]
    DemandEPP --> RevokeACH
    RevokeACH --> BankShield["2. Khupha iBhanki yokuMisa iNtlawulo, Cima iKhadi le-Debit eliDityanisiweyo, kwaye uSethe idiphozithi ngokuthe ngqo kwiAkhawunti yeBhanki ecocekileyo."]
    Type -->|"Imali-mboleko yeSitayiti se-Auto (Imoto eseMngciphekweni)"| TitleStep1["1. Khulula zonke izixhobo zokusebenza, iiMedi, kunye nePropati yoBuqu kwiSithuthi ngoko nangoko"]
    TitleStep1 --> TitleStep2["2. Jonga iState Usury Cap & Military Lending Act (36% Cap Voiding Illegal Title Liens)"]
    TitleStep2 --> TitleStep3["3. Faka isicelo se-Emergency CDFI Credit Union Title-Loan Rescue Refinance okanye iSahluko 13 Automatic Stay"]
    Type -->|"Itikiti lePawn Shop liphelelwa lixesha"| PawnStep1["1. Qwalasela iXesha loKuxolelwa ngokusemthethweni kwitikiti (Ngokwesiqhelo ziintsuku ezingama-30 ukuya kwezingama-60 ezidlulileyo kumhla wokumiselwa kwetikiti)"]
    PawnStep1 --> PawnStep2["2. Hlawula iNzala yeNyanga enye / uMrhumo wokuGcina ngaphambi koSuku lokuGqibela ukuQhubela itikiti phambili ngaphandle kokuphulukana nento"]

Inyathelo ngenyathelo: Ungammisa njani ngokusemthethweni umbolekisi wosuku lokurhola ekukhupheni iakhawunti yakho yebhanki¶

Xa ubhalisela i-intanethi okanye imali-mboleko yosuku lokuhlawula, ushicilelo oluhle lubandakanya i-ACH Debit Authorization* (kwaye amaxesha amaninzi ugunyaziso lokuhlawula lwekhadi ledebhithi oluphindaphindiweyo) oluvumela umbolekisi ukuba atsale imali nge-elektroniki kwi-akhawunti yakho yokutshekisha. Phantsi i-United States Electronic Fund Transfer Act (15 U.S.C. § 1693e / Federal Reserve Regulation E, 12 CFR § 1005.10©), UK Direct Debit Guarantee / FCA Consumer Duty, kunye *IiNtlawulo zaseKhanada Rule H1 (Pre-Author Author has legaled uyeke ukuhanjiswa kwengxowa-mali ye-elektroniki okugunyazisiweyo nangaliphi na ixesha. Nokuba ikhontrakthi yakho yemali mboleko ithi "ugunyaziso lwe-ACH alunakuguqulwa," umthetho webhanki we-federal uligqithisa elo solotya lekhontrakthi.

Inyathelo 1: Thumela iSaziso esibhaliweyo sokurhoxiswa kwe-ACH kumbolekisi¶

Ubuncinane iintsuku ezi-3 zomsebenzi ezigcweleyo phambi kwedebhithi yosuku lokuhlawula olucwangcisiweyo, thumela i-imeyile kunye neleta eqinisekisiweyo (okanye thatha umfanekiso weskrini ogxininisiweyo weportal yomyalezo wombolekisi we-intanethi) equlethe esi saziso sisemthethweni:

Umxholo: UKURHOXISWA NGOKUSESIKWENI KWE-ACH NE-ELECTRONIC UKUGUNYAZWA KWEBHATHI YOMTHETHO: Iakhawunti #[Last 4 Digits]

*"Ngokomthetho webhanki yomanyano (15 U.S.C. § 1693e kunye ne-12 CFR § 1005.10 / imimiselo yelizwe esebenza ngokuthe ngqo yokutsalwa kwemali ebhankini), ke ngoko NDIYALUHLANGANISA ngokusisigxina ugunyaziso lwam ukwenzela [iGama loMboleki], iinkampani ezingabazali, abalungisi bentlawulo, kunye nabanikezeli ukuba baqalise nayiphi na i-Automated House, i-ACH ecinyiweyo okanye i-Automated. Iintlawulo zekhadi ledebhithi kwi-akhawunti yam yokutshekisha ephela ngo- [XXXX] e [Igama leBhanki Yakho] okanye nayiphi na enye i-akhawunti yemali endikuyo, isebenza kwangoko Nayiphi na i-electronic debit ezame emva kokufumana esi saziso ayigunyaziswanga ngokungqongqo.

Inyathelo lesi-2: Hambisa ikopi yokurhoxiswa kunye noMyalelo weNtlawulo yokuSimisa kwibhanki yakho¶

Ungamthembi umntu obolekisa ngemali kwi-intanethi ukuba ahloniphe isaziso sakho sokurhoxisa eyedwa. Kwangolo suku lunye:

1. Ngena kwisebe lebhanki yakho okanye utsalele umnxeba kwi-Electronic Funds Transfer ye-Electronic yebhanki yakho / isebe leengxabano le-ACH.
2. Xelela igosa lebhanki: "Ndilurhoxisile ugunyaziso lwam lokuba [Igama loMboleki] ukuba atsale imali kwiakhawunti yam phantsi koMgaqo E, kwaye ndibeka isithintelo esisisigxina sokurhoxiswa / uMyalelo weNtlawulo wokuSimisa kuzo zonke iidebhithi ze-ACH zexa elizayo kulo mrhwebi."
3. Wazi umahluko phakathi kweNtlawulo yokuSimisa enye kunye neBloko yokuChitha ePheleleyo: Abanye oosomashishini basebhankini bazama ukubiza umrhumo we-30 yeedola ukuvala isixa seedola enye. Xelela ibhanki ukubaulurhoxisile ugunyaziso olusisiseko (ubanike ikopi ye-imeyile oyithumele kumbolekisi). Nje ukuba ibhanki yakho ixelelwe ukuba ugunyaziso lurhoxisiwe, ibhanki ifunwa ngokusemthethweni phantsi koMmiselo E kunye ne-NACHA yemigaqo yokusebenza ukuze ithintele zonke iidebhithi ezizayo kulo mqalisi, kwaye ukuba umbolekisi unyebelezela ukutsalwa kwebhanki nangayiphi na indlela, ibhanki yakho ** kufuneka ibuyise ipesenti ezili-100 zemali yakho** njengeNgxowa-mali engagunyaziswanga ye-Electronic ebangelwa yi-Transfer engagunyaziswanga ye-Electronic Fund ebangelwa yi-transfer engavumelekanga.

Inyathelo lesi-3: Rhoxisa iKhadi lakho lePlastiki yeDebit kwaye woyise amaqhinga athi "Split-Transaction".¶

Ababolekisi abaxhaphazayo kwi-intanethi basebenzisa amaqhinga amabini amdaka ukuze bajikeleze i-ACH Stop Payment:

• Iqhinga loku-1 (iBackup Debit Card Billing): Kwisicelo semali-mboleko, bacele inombolo yakho ye-Visa enedijithi ezili-16 okanye inombolo yekhadi ledebhithi ye-Mastercard "ukuqinisekisa isazisi." Lo mzuzu i-ACH yabo itsala ivalwe yibhanki yakho, ikhompyuter yabo itshintsha iireyile ngokuzenzekelayo kwaye iqhube intlawulo njengendawo yokuthenga ikhadi ledebhithi. I-Countermeasure: Fowunela ibhanki yakho namhlanje, chaza ukuba iinkcukacha zekhadi lakho le-debit zisezandleni zomrhwebi orhoxisiweyo, kwaye ucele ibhanki ukuba ** icime ikhadi ngokupheleleyo kwaye ikhuphe inombolo entsha yekhadi elinedijithi ezili-16 ** (kwakhona cela ibhanki ukuba ikhubaze "Uhlaziyo lweAkhawunti yeVisa / i-Mastercard Automatic Billing Updater" ukuze inombolo yekhadi elitsha ingaphindi ithunyelwe ngokuzenzekelayo kubathengisi).
• Iqhinga lesi-2 (I-Name-Hopping kunye neMicro-Splitting): Xa idebhithi yeedola ezingama-600 ivaliwe, ababolekisi abakhohlakeleyo bayalitshintsha kancinane igama lenkampani yabo ye-ACH baze bacime iidebhithi ezintandathu ezahlukeneyo zeedola ezili-100 ngobusuku obunye. ** I-Countermeasure **: Ukuba uboleke kwi-offshore engavumelekanga okanye umbolekisi we-intanethi wezizwe owaziwayo ngokutyeshela iibhloko ze-ACH, inyathelo elikhuselekileyo kukuvula i-akhawunti entsha yokutshekisha kwibhanki eyahlukileyo okanye i-credit union **, ukuhambisa i-peycheck yakho ngqo kwi-bhanki entsha ngaphambi kokuvala i-payroll, ukurhoxisa imali yakho eseleyo kwi-akhawunti endala, kwaye ubuze i-akhawunti ye-Depositi okanye i-akhawunti endala Debits" ubume.

Ukusebenzisa ilungelo lakho kwi-0% yeSicwangciso seNtlawulo eYandisiweyo ngokusemthethweni (EPP)¶

Phambi kokusilela ukusilela kwivenkile engaphambili enelayisensi okanye kwimali-mboleko yosuku lokuhlawula kwi-intanethi, jonga ukuba ingaba ilizwe lakho okanye ilizwe lakho liyamnyanzela umbolekisi ukuba anikele ngesinyanzeliso ISicwangciso seNtlawulo eyongezelelweyo (EPP) okanye UkuCinywa kokuPholisa:

• I-24-ukuya-72-Hour Cooling-Off Rescission Rescission: Phantse kuwo onke amagunya apho ukubolekwa kwemali kulawulwa (kwaye phantsi kwe-UK Consumer Credit Act yeentsuku ezili-14 ilungelo lokurhoxisa), ukuba uthathe imali mboleko yokuhlawula izolo kwaye uyaqonda ukuba namhlanje ibiyimpazamo, ungabuyisela eyona nqununu ngqo ebolekiweyo kwimali ebolekiweyo kwisithuba seentsuku ezi-3 kwivenkile yase-UK okanye ngeentsuku ezi-3 kwishishini1 okanye kwivenkile ye-3 rhoxisa imali-mboleko nge-zero imirhumo kunye nenzala enguziro.
• ISinyanzeliso se-4-Fakelo lweSicwangciso seNtlawulo eyoNgezelelweyo (EPP): Ukuba uhlala kwenye yezingaphezu kwama-20 e-US ithi isigunyaziso seZicwangciso zeNtlawulo ezondisiweyo (kubandakanywa iCalifornia, Colorado, iDelaware, iFlorida, i-Idaho, i-Illinois, i-Indiana, iLouisiana, iMichigan, iNevada, i-New Mexico, i-South Carolina, i-Utah, i-W . Umbutho weeNkonzo zeMali zoLuntu lwaseMelika (CFSA):
  1. Kufuneka ucele iSicwangciso seNtlawulo eYandisiweyo usuku olu-1 ubuncinane lomsebenzi phambi kokuba imali-mboleko yakho ihlawulwe (ungalindi kude kube lusuku emva kokubhampa kwetshekhi).
  2. Ngena evenkileni okanye ungene kwi-portal yakho ye-intanethi kwaye uthi: "Ndisebenzisa ilungelo lam elisemthethweni kwiSicwangciso seNtlawulo eYandisiweyo."
  3. Ngokomthetho, umbolekisi kufuneka ahlule ibhalansi yakho yangoku ibe ** iintlawulo ezi-4 ezilinganayo ezisasazwa kuzo zonke iintsuku ezi-4 zokuhlawula ezizayo** nge **zero iifizi ezongezelelweyo ze-rollover kunye nenzala eyongezelelweyo engu-zero **, kwaye akanakukuguqulela kwiinkongozelo ngelixa usenza iintlawulo ezi-4.

I-Auto Title Loan kaxakeka: ukumisa ukuhluthwa kwesithuthi¶

Imali-mboleko yetayitile yemoto (ebizwa ngokuba yi-logbook loan e-United Kingdom) iyingozi kakhulu kunemali-mboleko yosuku lokuhlawula kuba usayine inzala yokhuseleko (i-lien) kwisatifikethi setayitile yemoto yakho. Xa umboleki engaphumeleli kwimali-mboleko yetayitile ye-1,000 yeedola, umbolekisi unokuphinda ahluthe imoto ye-10,000 yeedola usapho oluthembele kuyo ngomsebenzi kunye nesikolo.

flowchart TD
    TitleDefault["Imali-mboleko yeSitayitile Sexesha Elidluleyo okanye UkuBuyiswa Kusemngciphekweni"] --> LegalCheck{"Ngaba iMali-mboleko yeSitayiti iyanyanzeliswa ngokusemthethweni kwiLizwe lakho?"}
    LegalCheck -->|"Osebenzayo-Umsebenzi wasemkhosini okanye oXhomekileyo"| MLA["1. IMali-mboleko Yophula uMthetho we-Federal Military Lending Act (36% ye-APR Cap & Title-Pawn Ban): Ikhontrakthi ayinamsebenzi ngokusemthethweni ukusuka ekuqaleni"]
    LegalCheck -->|"I-State iyakwalela iiMali-mboleko zeTitle okanye i-APR ye-Caps kwi-36%"| VoidState["1. Umbolekisi ongenalayisenisi/oNgaphandle kweLizwe awunakuNyanzelisa ngokusemthethweni uQhagamshelwano: Ifayile ye-AG kunye nesikhalazo soMlawuli weBhanki"]
    LegalCheck -->|"Imali-mboleko yoBunini obunePhepha-mvume kwiLizwe eliVumelayo"| ProtectCar["1. Susa Zonke izixhobo, iMeds, iLaptop, kunye neZitulo zaBantwana kwiMoto ngokuhlwanje"]
    ProtectCar --> BreachPeace["2. Yazi uMthetho 'wokwaphulwa koXolo': Umqhubi weTow akanakuqhekeza kwigaraji etshixiweyo okanye asebenzise uMmandla."]
    BreachPeace --> CureOrRefi["3. Sebenzisa ngokusemthethweni 'iLungelo lokuNyanga' ifestile OKANYE uNiko-mali nge-CDFI iManyano yeTyala / iSahluko se-13 sokuhlala ngokuzenzekela."]
    CureOrRefi --> Surplus["4. Ukuba iMoto ithingiwe kwaye ithengisiwe, Funa iNtlawulo esemthethweni 'yeNtlawulo yokuLingana' (iXabiso leNtengiso kuthatyathwe ibhalansi yeMali-mboleko)"]

1. Khangela ukuba imali-mboleko yetayitile ayikho mthethweni na kwaye ayikho¶

Phambi kokuba unikezele ngezitshixo zakho, qinisekisa ukuba umbolekisi waphule umthetho womanyano okanye welizwe xa ekhupha imali-mboleko:

• I-Military Lending Act (MLA) Absolute Ban: Phantsi komthetho wesigqeba (10 U.S.C. § 987), akukho semthethweni ngokungqongqo kuye nawuphina umntu otyalwayo ukuba akhuphe imali-mboleko yemoto engaphezulu ama-36 epesenti yepesenti yoNyaka yomkhosi (MAPR) kwilungu lenkonzo esebenzayo-umsebenzi okanye ilungu lenkonzo esebenzayo, umgcini-mtshato/uxhomekeke kuye. Nayiphi na imali-mboleko yetayitile eyenziwe ngokwaphula i-MLA ayikho kwasekuqalweni kwayo, okuthetha ukuba ikhonkco kwitayitile yemoto yakho ayisebenzi kwaye umbolekisi akanako ukukuhlutha ngokusemthethweni isithuthi sakho. Qhagamshelana neofisi yakho yesiseko soNcedo lwezoMthetho (JAG) ngoko nangoko.
• Iimali-mboleko yeZityholo eziNgqongileyo ezingekho mthethweni okanye kwi-Intanethi kwi-Cap States: Ngaphezu kwesiqingatha samazwe ase-US anokukuthintela ukubolekwa kwetayitile ngokuthe ngqo okanye inzala ye-cap kwi-24 ukuya kwi-36 yepesenti ye-APR (kuquka i-New York, i-New Jersey, i-Connecticut, i-Massachusetts, i-Pennsylvania, i-Maryland, i-North Carolina, i-Illinois, i-Michigan, i-Minnesota, i-Colorado, i-Washington, i-2, kunye ne-California 2, kunye ne-California10 yeedola, kunye ne-50 yeedola zeedola). Ukuba umbolekisi we-intanethi ukukhohlise ukuba uqhube unqumle umgca welizwe okanye uthumele itayitile yakho ukuya kwelinye ilizwe ukuze uphephe intlawulo yenzala yelizwe lakho, amaGqwetha kaRhulumente Jikelele kunye namagqwetha oncedo lwezomthetho ahlala ekuthintela ukuhluthwa kwakhona njengesivumelwano esingekho mthethweni senzala.

2. Amalungelo akho ngokwasemzimbeni ngokuchasene nomqhubi welori yokubanjwa kwakhona ("Ukwaphulwa koXolo")¶

Phantsi kweKhowudi yoRhwebo efanayo iCandelo 9-609 (UCC § 9-609), umbolekisi wetayitile okhuselekileyo unokuphinda ahluthe isithuthi ngaphandle komyalelo wenkundla kuphela ukuba oko kunokwenziwa ngaphandle “Kokwaphulwa Koxolo.” Funda isikhokelo sethu esipheleleyo ukuhluthwa kwemoto kunye namalungelo okubuyisela ngeenkcukacha ezipheleleyo:

• Umqhubi wegaraji akanakuvula ucango oluvaliweyo lwegaraji okanye ukusika isango elitshixwayo: Ngelixa i-repo agent inokutsala imoto yakho isuka kwindlela evulekileyo yokungena, kwindawo yokupaka iiflethi, okanye kwisitalato sasemsebenzini, akakwazi** ukwaphula iqhaga, avule ucango lwegaraji evaliweyo, okanye angene kwisakhiwo esivaliweyo ngaphandle kwencwadi yenkundla yereplevin esayinwe yijaji.
• Ukuba ukho ngokoqobo kwaye uyachasa ngomlomo phambi kokuba imoto ibotshelelwe, kufuneka bame: Ukuba uhamba phandle ngelixa umqhubi wemoto elungiselela ukuhuka isithuthi sakho kwaye ngokuzolileyo uthi, * "Ndiyakuchasa oku kuhluthwa; phuma kwipropati yam,"* ukuqhubeka nokuhlutha inkcaso yakho ubuso ngobuso kuthetha ukwaphulwa koXolo ngokungekho mthethweni. (Ungaze usebenzise amandla enyama, izixhobo, okanye izoyikiso, kwaye ungaze utsibe kwinqwelo-mafutha esele iphakanyiselwe kwi-tow boom, ebeka ubomi esichengeni.)
• Khubaza okanye ubuze isimilo esingekho mthethweni sokuQalisa i-GPS: Uninzi lwababolekisi-mali betayitile bafaka ibhokisi ye-GPS yedeshibhodi ekhalayo ize ivale isitshisi somlilo xa intlawulo yakho isemva kosuku olunye. Akukho mthethweni ngokungqongqo ukuba umbolekisi avale i-injini yesithuthi ngelixa imoto iqhuba okanye ihleli kwitrafikhi, kwaye ukuba ufuna imoto kwingxakeko yonyango yokhuseleko lobomi ngoko nangoko, funa ikhowudi yokubhala engxamisekileyo yeeyure ezingama-24 kumbolekisi kwaye ubhale ukwala.

3. Ukufuna i-"Surplus Equity" yakho ukuba imoto iyathengiswa¶

Ukuba umbolekisi wetayitile uthatha imoto exabisa i-8,000 yeedola ukwanelisa i-1,500-dollar yetayitile yetayitile kwaye athengise imoto nge-7,000 yeedola, umbolekisi akavumelekanga ukuba afake epokothweni i-5,500 yeedola eyongezelelweyo. UCC § 9-615 (phantse kuwo onke amazwe ngaphandle kwesandla esincinci esinemikrolo ekhethekileyo ye-pawn-forfeiture carveouts). Umbolekisi kufuneka akuhlawule i-100 yepesenti ye-**imali yentengiso ye-surplus ** ngaphezulu kwebhalansi yemali-mboleko kunye neendleko ezifanelekileyo zokutsala. Banga ifom esemthethweni ebhaliweyo i-Akhawuntingi yeNgeniso yoThengiso phakathi kweentsuku ezili-14 zayo nayiphi na ifandesi yokubuyisela.

Amatikiti evenkile yePawn: ugcina njani amafa osapho kunye nezixhobo zokusebenza ekuthinjweni¶

Ngokungafaniyo nomhla wentlawulo okanye iimali-mboleko zetayitile, i-pawn transaction ayibandakanyi ukutshekishwa kwetyala, ayinakuthunyelwa kubaqokeleli bamatyala, kwaye ayisoze yonzakalisa amanqaku akho etyala ukuba awuyibuyiseli. Nangona kunjalo, i-pawnbroker iphethe ubucwebe bakho begolide, isixhobo somculo, umpu, okanye izixhobo zokusebenza, kwaye nje ukubaumhla wokuvuthwa kunye nexesha lobabalo olusemthethweni* liphelile, ubunini butshintshela ngokuzenzekelayo kwivenkile ye-pawn (forfeiture).

1. Funda uMhla Wokukhula kunye neXesha loKuxolelwa okusemthethweni kwitikiti lakho le-pawn: Imithetho ye-pawn yelizwe igunyazisa ubuncinci bexesha lemali-mboleko (idla ngokuba ziintsuku ezingama-30) lilandelwa sisinyanzelo ixesha loxolelo elisemthethweni (eliqhelekileyo liziintsuku ezingama-30 ukuya kwezingama-60 ezongezelelweyo, njengeentsuku ezingama-30+30 eTexas naseFlorida, okanye iinyanga ezi-4 zizonke zingathengisa eCalifornia.
2. Hlawula KUPHELA inzala yenyanga/yemali yentlawulo "Ukuqengqeleka phezu / Ukuhlaziya" itikiti: Ukuba usuku lwakho lokugqibela lokuhlawulela lunamhlanje kwaye uneedola ezingama-40 kodwa hayi iidola ezingama-400 ezifunekayo ukuze ubuye uthenge into yakho ngokupheleleyo, ngena kwivenkile yokuthengisela phambi kokuvala ixesha kwaye uhlawule inyanga e-1 yentlawulo yenkonzo yentengiso / intlawulo yenzala. Phantse kuwo wonke urhulumente, ukuhlawula imali yenzala efunyenweyo yenyanga ngokusemthethweni ihlaziya kwaye iphinda imisele itikiti le-pawn ngomnye umjikelo opheleleyo weentsuku ezingama-30 ukuya kwezingama-90, ukuthintela ukuba into yakho ingahluthwa kumgangatho wokuthengisa.
3. Cela imbeko ebhaliweyo ukuba uneentsuku ezi-3 ezimfutshane: Ngenxa yokuba iivenkile zepawn zasekuhlaleni zikhetha ukuqokelela inzala yenyanga ezinzileyo kumthengi ophindayo endaweni yokuhlaziya nokuthengisa izixhobo ezisetyenzisiweyo okanye imisesane, fowunela umphathi wevenkile phambi kokuphela kwexesha lobabalo (sakuba ixesha lobabalo liphelile, inkqubo yekhompyutha isoloko ihambisa into leyo kuluhlu lwezinto ezithengiswayo ngokuzenzekelayo kwaye icele ukuncamathisela apho kusayinwe khona) kwindawo yakho yetikiti.
4. Kuthekani ukuba ivenkile yokuthengisela ilahleko, yonakele, okanye ithengiswe into yakho phambi kwexesha?: Ngelixa ubambe indawo yakho ngexesha lemali-mboleko esebenzayo kunye nexesha loxolelo, umthengisi-mali unoxanduva olusemthethweni lokukhathalela njenge bailee ukuze kuxhamle bobabini. Ukuba ivenkile ithe yathengisa iringi kamakhulu wakho kwiintsuku ezimbini phambi kokuba ixesha lakho loxolelo elisemthethweni liphele, okanye uphulukene nento yakho kwigumbi elingasemva, banoxanduva ngokusemthethweni lokukuhlawula ixabiso elipheleleyo lemalikethi enobulungisa yento (hayi nje imali encinci yemali-mboleko abakuboleke yona). Xela ukuthengisa kwangaphambi kwexesha ngokukhawuleza kwindawo yakho **yeCandelo lePawn yeSebe laPolisa ** kunye nomlawuli weelayisenisi karhulumente.

Iindlela ezingxamisekileyo zokubalekela umjikelo wosuku lokuhlawula¶

Emva kokuba uvimbele i-ACH drain kwi-akhawunti yakho yokutshekisha, sebenzisa ezi zixhobo ziqinisekisiweyo zexabiso eliphantsi ukuzinzisa uhlahlo lwabiwo-mali lwendlu yakho ngaphandle kokubuyela kwivenkile yokuhlawula:

• Ezinye iiMali-mboleko zoMhla wokuHlulwa (PALs I & II) ukusuka kwi-Federal Credit Unions: Iimanyano zamatyala e-Federal kulo lonke elase-United States zibonelela ngokulawulwayo I-Payday Alternative Loans ukusuka kwi-200 ukuya kwi-2,000 yeedola kunye nemilinganiselo yenzala egcinwe ngokungqongqo kwi-**28 ipesenti ye-APR ** (xa kuthelekiswa ne-400 yeepesenti kwivenkile yokuhlawula), imirhumo yesicelo ifakwe kwiinyanga ezingama-20 ukuya kwi-12 yeedola, kunye ne-12 yeedola.
• AmaZiko eMali oPhuhliso loLuntu (CDFIs) kunye neeNkqubo zeRefinance yeTitle-Loan: IiCDFI ezingenzi nzuzo kunye neemanyano zamatyala eziqhutywa nguthunywashe ziqhuba ngokuthe ngqo "Predatory Loan Buyout / Title Loan Rescue" iinkqubo ezihlawula i-300 yepesenti ye-APR yetayitile ye-auto kwaye endaweni yayo inenzala ephantsi-mboleko-mali-mboleko yomakhi kwi-0 yenyanga ye-8 yentlawulo ye-auto.
• IiNkqubo zoBunzi kunye neZibonelelo ezingama-211: Ungaze uthabathe usuku lokurhola okanye imali mboleko yetayitile ukuhlawula ityala lombane, igesi, okanye amanzi. Iinkampani eziluncedo zifunwa ziikomishoni zoncedo lukarhulumente ukuba zibonelele ngeenyanga ezili-12 ukuya kwezingama-24 izicwangciso zentlawulo ezimisiweyo, ukuvalwa kokuvalwa kwebusika/kwihlobo, kunye nezibonelelo ze-LIHEAP ezingenanzala. Jonga isikhokelo sethu ubunzima bemali ngequbuliso ukwenzela ukusetyenziswa kunye nokuvavanywa kokutya.

Uluhlu lokujonga ukunqanda ukusilela kwemali mboleko¶

Landela olu luhlu lokukhangela namhlanje phambi kokuba umvuzo wakho olandelayo ufike:

• Kuthunyelwe incwadi ethi Isaziso sokurhoxiswa kwe-ACH nge-imeyile nangeposi eqinisekisiweyo kulo lonke usuku lokurhola okanye umbolekisi we-intanethi oxabisa kakhulu ubuncinci iintsuku ezi-3 zokusebenza phambi komhla wokurhola.
• Ubonelele ngekopi yokurhoxiswa kwe-ACH kwibhanki yakho kwaye ubeke iSithintelo seNtlawulo esisigxina / isithintelo sokurhoxiswa kumbolekisi.
• Irhoxisiwe ikhadi lakho leplastiki esele likhona kwaye ucele inombolo entsha yekhadi elinamanani ali-16 ukuze ababolekisi bangakwazi ukuqhuba ukutsalwa kwekhadi ledebhithi.
• Uvule i-akhawunti ecocekileyo yokutshekisha kwiyuniyoni yetyala enganxulumananga okanye ibhanki kwaye uhambise idiphozithi yakho yokuhlawula ngokuthe ngqo apho ukuba ujongene nababolekisi be-intanethi abangenamaphepha-mvume.
• Icelwe ngokomthetho 0% ISicwangciso seNtlawulo eyoNgezelelweyo (EPP) ukuba iboleka kumbolekisi wevenkile onelayisensi ekwimeko ye-EPP.
• Kususwe zonke izixhobo zokusebenza zobuqu, amayeza, kunye nezinto ezixabisekileyo kwisithuthi sakho ukuba imali-mboleko yetayitile yemoto iyasilela.

Imibuzo ebuzwa qho¶

Imithombo ijongiwe¶

• I-Consumer Financial Protection Bureau (CFPB, United States): UMthetho woThutho lweNgxowa-mali yeKhompyutha (Ummiselo E) Amalungelo oMthengi: Ukuyekwa kweNtlawulo yeNtlawulo ye-ACH eGunyaziweyo kwangaphambili kubaBolekisi bePayday, kunye noMthetho wokurhoxa kweNtlawulo yokuBoleka ngePayday.
• IKomishoni yoRhwebo ye-Federal (i-FTC, eUnited States): IiNdlela zokuQokelelwa kweTyala ngokungekho mthethweni, uBuqhophololo bokuBamba iMvume yokuBamba iFake, kunye neMithetho yokuBuyiselwa kweMali-mboleko yeSitayiti se-Auto.
• ISebe lezoKhuselo kunye ne-Bureau yoKhuseleko lwezeMali yoMthengi (DoD / CFPB, eUnited States): UMthetho wokuBolekwa koMkhosi (MLA, 10 U.S.C. § 987): 36% i-MAPR Cap kunye nokuThintelwa kweMali-mboleko yeSithuthi kuMalungu eNkonzo.
• Iziko leSizwe loMthetho waBathengi (NCLC, eUnited States): Ityala eliSindayo: Iimali-mboleko zeNtlawulo eziPhakamileyo, ukuBuyiswa kweTayitile ye-Auto, iNqaku le-9 yeKhowudi yoRhwebo eFanayo, iSiqendu se-9 sokuphulwa koXolo, kunye neeNtengiselwano zePawn.
• UGunyaziwe woKuziphatha ngokweziMali kunye neeNgcebiso zaBemi (FCA, eUnited Kingdom): Ixabiso eliphezulu leTyala leXesha eliFutshane leKhredithi (Umhla wokuhlawula) iCaps yeXabiso, uGunyaziwe weNtlawulo eZiqhubekayo (CPA) Amalungelo okuCima, kunye noKhuseleko lweMali-mboleko ye-Logbook.

Izikhokelo ezinxulumeneyo¶

• Ukuphepha iimali-mboleko ezixhaphazayo
• Ukuhluthwa kwemoto kunye namalungelo okubuyisela
• Ukuxhatshazwa kwabaqokeleli betyala
• Ngequbuliso ubunzima bemali