ʻAʻole paʻakikī nā kālepa kālā e kāhea hale, akā eʻike i kāu mau kuleana
Hiki iāʻoe ke hōʻeha i ka hikiʻana mai o ka mea hōʻai'ē i kou hale e noi ana e uku - e hiki nō iā ia ke huhū, a he mea weliweli loa ia no nā mea noi.
No laila, pehea lā paha, a he aha kāu e hana ai i ka hōʻikeʻana o nā luna lawe kālā? E kiʻi i ka hoʻonaʻauao iʻikeʻoe pehea e hoʻoponopono ai i ke kūlana.
He haʻahaʻa ke kaumaha, akā hiki nō
ʻO ka likelike i kahi kīkēkēʻana o ka mea'ai'ē i kou puka he mea liʻiliʻi - akā, hiki a hiki ke hana. ʻO ka hapanui o nā mea kālā e hoʻouna wale i nā leka a kelepona i nā kelepona e ho'āʻo e hōʻiliʻili ʻO ka hoʻounaʻana aku i kahi kanaka maoli iʻoi aku ka waiwai nui, aʻaʻole i hōʻikeʻia nā hopena i ka uku.
Hiki i nā Luna kiʻi ke hele mai i kou hale . E like me nā mea'ē aʻe, uaʻaeʻia lākou e kikeke ma kou puka a nīnau i nā nīnau. ʻO ke kānāwai Pekelala a me ka Fair Debt Collection Practices Act (FDCPA) ma nāʻano aʻaʻole loa e pāpā i ka lawe kālā mai ka kipa mai i ka poʻe. Eia naʻe, pono lākou e hahai i kekahi mau rula -ʻo kekahi o ia mau mea he kiko'ī ia i ka hōʻiliʻiliʻana i ka hōʻai'ē, a me nā mea'ē aʻe iʻoi aku keʻano o keʻano (e like paha,ʻaʻole eʻaeʻia kekahi e hoʻoweliweli iāʻoe a hōʻino i kou waiwai).
ʻAʻole hiki i nā kāpena ke hele mai i kou home i ka manawa o "nā mea likeʻole" - i ho'ākākaʻia ma mua o ka hola 8:00 AM a ma hope o 9:00 PM,ʻaʻole hoʻi e hiki iā lākou ke hana ma kaʻaoʻao a lākou iʻike ai he mea kūponoʻole iāʻoe.
Inā hōʻike lākou, hikiʻole i nā mea hōʻai'ē nui ke hana me ka noiʻole iāʻoe no ke kālā. ʻO kou hopohopo hopohopo e pili ana i ka hōʻiliʻiliʻana i ka loiloi a me ka hoʻoukaʻana me kāu mau mea waiwai, ʻaʻole paha e hiki ke hoʻonui.
I kekahi mau mea,' ōlelo nāʻeke kālā e hele mai ana lākou, akāʻaʻole lākou i manaʻo e hana pēlā.
Hoʻokaʻawaleʻia nā Debts
Inā loaʻa iāʻoe kahi kālā i nā'ai'ē i hoʻopaʻaʻoleʻia e like me nā kāleka kāleka aiʻole nā pānaʻi haumāna,ʻo kāu waiwai pono'ī (ʻo kou hale a me nā mea o loko)ʻaʻole i ka pilikia.
ʻO nā loina i "hōʻoʻoleʻia" no ka mea,ʻaʻoleʻoe iʻaʻa i kahi pale e loaʻa ai ka hōʻai'ē. No laila,ʻaʻohe kuleana kūpono o ka mea nāna e hāʻawi i kāu waiwai pono'ī. Hiki iā lākou ke hoʻohaʻahaʻa iho i kāu mau helu'ai'ē , kāohi i nā uku o ka uku, a lawe mai lākou i ke kānāwai kū'ē iāʻoe, akāʻaʻole hiki iā lākou ke hele i kou hale a lawe i nā mea waiwai.
I ka hopena, ma hope o ka lawe kālāʻana o ka mea nāna i hāʻawi aku i ka hana kū'ē iāʻoe, hiki i ka mea hāʻawi ke lawe i nā waiwai me kouʻaeʻole. Akā, eʻikeʻoe i kēlā pono ma mua, a loheʻoe i ka luna kānāwai (aiʻole kekahi palapala kānāwai mai ka moku'āina) -ʻaʻoleʻo ka mea hōʻai'ē e hōʻailona me ka loilo. Ma loko o kēlā mauʻano, hiki i nā mea hāʻawi kālā ke nānā aku e lawe i ke kālā mai loko mai o kāu pūlākeke kālā , e hoʻonui i kāu uku, aiʻole e kāohi i kāu ukuʻauhau (ināʻoʻoe ke aupuni US). ʻO ka laweʻana i kāu waiwai a kūʻai lilo aku iā lākou no ke kālā,ʻaʻole ia he mea maikaʻi e hōʻiliʻili ai i nā aie.
Nā Loana Paʻa
Inā ua loaʻa iāʻoe nā loans, hiki i nā mea hōʻai'ē'ai'ē ke hōʻike pololei a lawe i kekahi mea.
ʻO ka hiʻohiʻona nui loa o ka lako kaʻa . Ināʻoe e hōʻai'ē i ke kālā e kūʻai i kaʻa (a ināʻoe e hoʻohana i kou inoa no ka hōʻai'ē no kahi hōʻai'ē), hiki i nā mea kālā ke lawe i ka kaʻa me kāuʻaeʻole.
ʻOiai me nā kālā i hoʻopaʻaʻia, aiaʻoe i nā kuleana, a pono nā luna e ukali i ke kānāwai. ʻO kahi laʻana,ʻaʻole hiki ke hoʻoweliweli iāʻoe me ka ikaika kino,ʻaʻole hiki iā lākou ke hōʻino i ka waiwai e komo i loko o kāu kaʻa. Eia naʻe, hiki iā lākou ke loaʻa ka kaʻa i paʻa i ka waiwai kūʻokoʻa inā hiki keʻikeʻia.
ʻO nā hōʻai'ē loiloi kekahiʻano likeʻole i loaʻa ma ka'āpono. Inā hōʻaloʻoe i ka hanaʻana i nā uku, hiki i nā mea kālā ke hoʻokaʻawale i ka home - e lawe a kūʻai aku i ka waiwai e hoʻihoʻi i kā lākou kālā. Eia naʻe, aia he hana lōʻihi lōʻihi e hiki ai i ka paʻahao a me ka hopena hope. Ma kahi kūlanaʻoi loa loa loa, hiki ke hanaʻia ka hoʻokuʻuʻana e kekahi luna hoʻomalu kānāwai (e kū'ē i kahi mea hōʻai'ē hōʻai'ē).
Inā hana ia
Inā hele mai nā mea hōʻai'ē eʻike iāʻoe,ʻaʻole he pōmaikaʻi nui e pili ana iā lākou. ʻO ka mea maikaʻi,ʻaʻoleʻoe e wehe i ka puka,ʻaʻoleʻoe e kamaʻilio i kekahi (inā e paneʻoe i ka puka me ka maopopoʻole i ka mea).
E mālama i kahi kūkākūkā a ke kanaka: maikaʻi e hana i nā mea aie ma ke kākauʻana a iʻole ma ke kelepona.
- ʻO waiʻoe e hana pū ana me? ʻO ka pilikia mua loa me ka hālāwai kūkā o ke kanaka,ʻaʻoleʻoe iʻike pono i ka mea āu e kamaʻilio nei. ʻO ka mea a iʻole pahaʻaʻole he mea lawe kālā kūpono. Inā hāʻawiʻoe i ke kālā, ponoʻoe e manaʻo e hele ana ia i kahi kūpono.
- Nā palapala i kākauʻia: maikaʻi loa ka loaʻaʻana o nāʻaelike mai nā mea'ai'ē ma ke kākauʻana. ʻAʻole hiki i ka leka kamaʻilio me kekahi mea ma kou lanai iʻole e pane i ka hopena āu e makemake ai. Hiki iāʻoe ke manaʻo ua holoiʻia nā aie mai kāu hōʻike kālā kālā, akā,ʻaʻole paha e launa like ka Luna Dute.
- E hoʻokuʻu i lalo: ināʻoe i hope ma kāu mau pili, aiaʻoe i kahi wahi kālā kūpono. Ponoʻoe e manawa e nānā i nā kiko'ī o kekahi hoʻonohonoho (a me ka hopena o kāu kālā) ma mua o kou hāʻawi kālāʻana a kākau paha i kahi leka. ʻAʻole hiki iāʻoe ke loaʻa ka manawa e pono aiʻoe me ka mea nāna e huki nei i ka mea e hāpai ana i kou'ā'ī.
Mai hāʻawi aku i kekahiʻike i kekahi mea e hele mai i kou puka. He kūpono paha kēia ināʻoe e kali ana i nāʻae kālā aʻaʻoleʻole. Inā nīnau kekahi iāʻoe, eʻike i ka mea a lākou e waiho nei ma mua o ka hāʻawiʻana i kou inoa a iʻole i kekahi mau kiko'ī'ē aʻe.
ʻAʻoleʻaeʻia ka'aha'ōlelo e hāʻawi i kaʻike e pili ana i kāu'ai'ē me kekahi kanaka koe koe (a me ka wahine paha, ma muli o ke kānāwai Moku'āina). Ināʻaʻoleʻoe e hōʻike iāʻoe,ʻaʻole lākou iʻikeʻo waiʻoe, aʻaʻole hiki iā lākou ke kūkā i kāu aie.
Hoʻopau iā ia: inā makemakeʻoe eʻae i nā kohi mai ke kākākūkā iāʻoe (inā i loko o ke kanaka a ma ke kelepona), e hoʻouna i kahi noi noi e noi ana iā lākou e ho'ōki . Ma lalo o ke kānāwai laulā, pono e hoʻohanohanoʻia kēia mau leka - i kekahi manawa i kapaʻiaʻo Cease a Desist. Hoʻouna i ka leka me keʻano palapala hoʻouna e hiki ke palapalaʻia (e like me ke kākoʻo e noi ana i ka hōʻailona a i ka hoʻihoʻi mai ka USPS). Ma hope o kēlā mea, pono i nā mea hōʻai'ē e hoʻopau i ka kamaʻilioʻana i kekahi mau kumuhana, e like me ka hōʻoiaʻana i kāu noi aiʻole e hoʻouna i nā loiloi kānāwai. ʻAʻole lākou eʻaeʻia e hele mai i kou hale ma hope o ka loaʻaʻana o kēlā noi, a hiki iāʻoe ke hoʻopiʻi inā lākou pēlā.
E noi iā lākou e haʻalele i kēia: ināʻikeʻoe iāʻoe iho i kahi kamaʻilio me ka mea kālā'ai'ēʻole, e noi iā lākou e haʻalele. E mahalo a mahalo - e hoʻomaikaʻi ka nui o nā luna i kāu noi, aʻaʻole pono e hōʻino i kahiʻoi aku o kahiʻino. Inā kū'ēʻoe i ke kū'ē, e hoʻomanaʻo iā lākou aia lākou ma kahi waiwai pono'ī a ke noi neiʻoe iā lākou e haʻalele. Ināʻaʻohe hana, kāhea i nā makai.
E hoʻomanaʻo, hiki iāʻoe ke kuleana ināʻoe he aie. ʻAʻoleʻoe i koi aku e kamaʻilio me kekahi. ʻO nā lunaʻauhauʻaʻole lākou he mau makai, aʻaʻole hiki iā lākou ke hoʻohālike i keʻano he poʻe mālama kānāwai aiʻole e hoʻoweliweli iāʻoe i ka hoʻokomoʻana iā lākou i loko.ʻAʻole nō iʻaeʻia nā mākaʻi e komo i kou hale me ke kumuʻole. Hiki i kekahi mea noiʻi a luna paha o ke aupuni ke hele mai i kou home e hoʻolako i nā palapala aupuni ("lawelawe i nā pepa," iʻole), akāʻaʻole hiki iā lākou ke hōʻeha iāʻoe a noiʻole paha i ke kālā ma hope o ke noiʻana iā lākou e ho'ōki.
Pehea lākou eʻike ai iāʻoe
No ka hikiʻole o ka pilina o ka pilina i loko o ke kanaka ke noi aku iā lākou e haʻalele,ʻaʻole ponoʻoe e hele ma waho o kou ala e hūnā i kou wahi. Akā, hiki i nā kānaka hoʻolaʻa ke hōʻike aʻe inā pono ia. Loaʻa i nā Debt collectors kāu helu wahi a me nāʻike kūpono'ē aʻe mai nāʻikepili pūnaewele a me nāʻikepili pūnaewele. Nā kamaliʻi e hana neiʻoe me ke kūʻai aku i kāuʻike,ʻoiai e loaʻa ana nā papa helu county a me nā mea koho pāloka e pili ana i kekahi. ʻO kahi wale nō e koe e hūnāʻia aiʻo ka heleʻana i waho o ka māhele - akā,ʻoi aku ka maʻalahi ke hoʻouna wale i kahi noi noi e noi ana iā lākou e haʻalele iāʻoe.