Eʻike i ka mea e'āponoʻia ma lalo o ka FDCPA
Loaʻa i nā poʻeʻAmelika a pau he pūnaewele. Wahi a Pew Research, he 91% o nā poʻeʻAmelika e loaʻa i kahi kelepona, kokoke 35.8% o nāʻohana wale nō he cell phone, a he 15.9% o nā kānaka e loaʻa i nā leo a pau i ko lākou pūnaewele inā paha he leo phoneline.
ʻOiaiʻo ka poʻeʻAmelika e makemake nei i nā leka uila i ke kelepona aku - e pili ana i kahi hapakolu hapa Pew Research - nui ka poʻe e makemakeʻole e hoʻopiliʻia e nāʻoihana e like me ia, i ka mea e pili ana i nā mea hōʻai'ē. Inā ua loaʻa iāʻoe kekahi leka uila mai kahi kāpena'ai'ē, ua noʻonoʻo pahaʻoe inā he kānāwai. He meaʻokoʻaʻole. Akā,ʻaʻole i kēia manawa kahi pane pane.
ʻO ka Debt Collection LawʻAʻole i pane i ka memo kikokikona
ʻO ka Fair Debt Collection Practices Act ka ture Pekelala e ho'ākāka ana i nā mea hōʻai'ē'ai'ēʻekolu a hikiʻole ke hana i ka wā e hōʻiliʻili ana lākou i kahi hōʻai'ē mai ka mea kūʻai. ʻO ke kānāwai i kauʻia i ka makahiki 1977,ʻaʻole ia e hoʻopuka ana i nāʻano he nui o nā kūkākūkā hou. ʻAʻole i hoʻokomoʻia ka leka uila, a hiki i ka makahiki 1992, 15 mau makahiki ma hope o ka halaʻana o ka FDCPA aʻaʻole i hoʻouka houʻia ke kānāwai e hoʻopau i nā hana ma o ka leka uila a me nā mea heluhelu hou.
ʻAʻole i wehewehe ikiʻia ka FDCPA inā he hiki aʻaʻohe paha e hiki i nā luna lawe kālā ke hoʻohana i nā leka uila -ʻoiai no ka meaʻaʻole i hoʻopiliʻia ka leka uila i ka wā i kākauʻia ai. Eia naʻe, hiki ke hoʻohanaʻia ka Loi Hoʻokele Kūleʻa Telephone no ka 1991.
Nā palena o ka TCPA (a i kekahi manawa kaʻaeʻana) i ka hoʻohanaʻana i ka hoʻopiho kaʻapili a me nā leka uila i hōʻikeʻoleʻia me kaʻole "ʻae mua o kaʻae"ʻo ia keʻano keʻoleʻoe i hōʻike mua aku he maikaʻi ia e hoʻopiliʻia pēlā.
Manaʻo nā dupupene e hoʻopukaʻia ka heluʻana i kahi helu kelepona ma kāu kāleka kāleka a noi kīpē paha e hoʻopiliʻia ma kēlā helu no nā pilikia e pili ana i kāu moʻokāki - he pane i'āponoʻia ma nā 'aha hoʻokolokolo, ma ka liʻiliʻi mai nā hui e hoʻouna ana i nā leka uila. Eia nō naʻe, he maʻalahiʻo ia no ka mea o ka TCPA e pili ana i nāʻike telemarketing,ʻaʻoleʻo nā kiʻi hōʻiliʻili hōʻai'ē.
Nā leka Hoʻoilina o ka'Āina Hoʻopiʻi Hou
Ma ka hihia kīwila,ʻo Gutierrez v. Barclays Group, he hihia i waena o ka mea kālepa a me ka mea hoʻopuka kaʻi kālā, i hoʻoholo ka'Āina e hoʻouna i nā memo mai Barclays a Gutierrez a hiki i ka pane a Gutierrez i ka memo "STOP". I kēlā manawa, ua hoʻokauʻo Barclays i nā leka uila,ʻoiaiʻaʻole i hanaʻia i ka palapala i ka noiʻana i kaʻike. Heʻokoʻa kēia ma ka FDCPA, kahi e koi ai i kahi leka i kākauʻia e hoʻopau i nā'aha'ōlelo mai kahi mea lawe kālā. (ʻAʻole i hiki ke hana i ka hoʻopiʻi ma lalo o ka FDCPA mai ka hoʻohanaʻana o kēlā kānāwai i nāʻauhau hōʻai'ē'ē aʻe.)
I Kepakemapa 2013, ua hoʻopau koke aku ka Federal Trade Commission i kahi hōʻai'ē hōʻai'ē $ 1 miliona no ka hewa o FDCPA e pili ana i ka leka uila, akā,ʻaʻole ma muli o nā leka uila.
Ma kēiaʻano hoʻopiʻi, ua hoʻopauʻia nā kamaliʻi no ka hōʻikeʻoleʻana iā lākou iho he mau hōʻai'ē hōʻai'ē ma muaʻole no nā leka uila iho. ʻO ka FTCʻaʻole i pane pololei i ka leka uila e like me keʻano o ka leka hoʻomaopopo e hoʻomaopopoʻia he ala ia e'āpono ai no ka launaʻana i ka poʻe aie inā lōʻihi nā mea'ē aʻe o FDCPA.
He aha mākou e hana nei e pili ana i ka uku kāpili
ʻAʻohe'ōlelo kūʻokoʻa e pili ana i nā mea hōʻai'ē a me nā leka uila, akā aia kekahi mau mea'ē aʻe e kuhikuhi i keʻano e hiki ai i ke kālepa ke kamaʻilio aku, me kaʻole o ka waihona:
- Hiki i nā kāpena ke hoʻopili iāʻoe ma waena o 8 am a 9 pm i kou manawa manawa.
- Pono lākou e hōʻike iā lākou iho he mau'ai'ē hōʻai'ē aʻaʻole hiki iā lākou ke hōʻike i kāu mau'ai'ē i kekahi hapakolu'ē aʻe koe koe ka makua a kahu paha (ināʻoe i lalo o 18 makahiki) aʻo kāu wahine paha.
- ʻAʻole hiki iā lākou ke kāhea pinepine iāʻoe (aiʻole, i kēia hihia, e hoʻouna i nā leka uila) e hōʻeha aiʻole e hoʻoweliweli iāʻoe.
- ʻAʻole hiki iā lākou ke hoʻokaʻaʻike pono iāʻoe inā maopopo lākou iāʻoe he loio.
- ʻAʻole hiki iā lākou ke hoʻohana i ka'ōlelo hōʻino a'ōlelo maʻalahi paha. ʻAʻole hiki iā lākou ke hōoweliweli iāʻoe a hōoweliweli paha i kekahi hana kūpono i hikiʻole iā lākou ke hana aʻaʻole paha i manaʻo e lawe.
- Pono lākou e ho'ōki e kamaʻilio meʻoe, ma ka leka uila a me nāʻano'ē aʻe, ināʻoe e hoʻouna i kahi leka i kākauʻia e'ōlelo anaʻaʻoleʻoe e makemake e hoʻohuliʻia e lākou.
Eʻike i kāu mau kuleana me nāʻauhau hōʻai'ē , no ka mea , e hoʻomaopopo iā lākou ke kāhea aku iāʻoe. Inā hoʻopiliʻiaʻoe ma o ka leka uila - a iʻole ma kekahiʻano'ē aʻe - aʻaʻoleʻoe e makemake e hoʻohuliʻia i kēlāʻano, e hoʻouna i ka leka hoʻomaʻemaʻe a me ka haʻalele i ka leka uila. Mai pane pane wale ma ka leka uila,ʻaʻole hiki ke uhiʻia kāu mau pono ma lalo o ka FDCPA. E hoʻopiʻi i ka Keʻena Uila Kelepona Kūʻai a me ka Loio Kuhina o ka Moku'āina ināʻaeʻole ka Luna Dute e hoʻopau iāʻoe a haʻalele i kāu leka ma keʻano'ē aʻe.