Ma kēiaʻatikala, he mea nui e hoʻokaʻawale i ka New Account Fraud
He mea nui i ke kino mai ka New Fraud Fraud a me kona hopena ma ka mea kūʻai a me ko lākou mau laina hōʻai'ē. Ma keʻano he mea hoʻomau i nā meaʻaihue e hoʻomau i ka hōʻole i nā kumuhana aʻaihue i nā helu mālama ola, e hoʻomauʻia ka hana hoʻopunipuni hou i ka lehulehu.
Pāʻokoʻa Pūnaewele Hou
ʻO ka maʻa kālā pūnaeweleʻo kaʻona i kaʻike waiwai i nā palapala hou e hoʻohana ana i kahiʻike pilikino pono'ī no ka loaʻaʻana o nā huahana a me nā lawelawe ma ka hana kūpono maikaʻi o kēlā kanaka.
ʻO ka helu mālama ola (SSN) he pinepine,ʻaʻole naʻe i nā manawa a pau, makemakeʻia no ka nui o nā laina no ka hoʻokauʻana i ka hoʻopunipuni hou . Ke noi nei i nā kālā hou, e hoʻohana paha ka meaʻaihue i kahi leka uila likeʻole; ʻikeʻole ka mea i loaʻa i nā uku pili no kēia mau moʻokāki hou a hikiʻole paha ke launa pūʻia e ka poʻe'ai'ē ināʻaʻole i ukuʻia ka aie.
Ka Hoʻolālā Huakaʻi
Nui nāʻano pilikino hōʻoia hou e hiki ke hana. ʻO ka weheʻana i nā ponohana hou, e like me ka gas, kelepona, kelepona, kelepona a me ka mea hou aʻe, hiki ke like i ka 20 pakeneka o kaʻaihue a pau. ʻO nā ponohana, ke kūlanakauhale i ke kūlanakauhale a me ka moku'āina e kū ai, e mālama i ka hōʻai'ē ma nāʻano likeʻole. He nui ka poʻe e koi iā SSN e hoʻololi i nā lawelawe, akāʻo nā mea'ē aʻe e pono i kahi inoa a me kahi helu. I nā hihia kahi i koiʻoleʻia ai ka SSN, e hoʻomanaʻo pinepineʻia ka maʻalahi e ka pono a me nā mea i loaʻa i ka wā e noi ai lākou i mea kōkua ma ia kūlanakauhale a hōʻoleʻia no ka ukuʻoleʻia e kaʻaihue.
Nā mea hoʻohana i koi iā SSN e hiki a 'aʻole paha e nānā i ka hōʻai'ē o ka mea i ka weheʻana o ka pūnaewele hou. I ka hopena,ʻaʻole i ukuʻia ka pāʻoihana ka mea nāna i hāʻawi ka hōʻai'ē hiki ke pani wale i ka hōʻike a hoʻokomo paha i ka hōʻai'ē ma ka hōʻike kālā hōʻeha i ko lākou SSN. Ma kēia mau hihia, hiki i ka mea i pepehiʻia keʻike wale i ka wā a lākou a iʻole ka mea nāna i hōʻai'ē e nānā i kā lākou hōʻai'ē no kekahi kālā'ē aʻe a laila eʻike i ka hōʻai'ē a hōʻoleʻia ka hōʻai'ē.
Ua hana wau i kekahi hihia a ua hōʻikeʻia ma kekahi pāʻani me kekahi wahine e hakakā ana kāna kāne ma ke kauaʻo Iraqi,ʻoiaiʻo ia ma ka home e hakakā ana i kāna kaua ma ka home. Uaʻaihue kahi meaʻaihue'ikehue i kaʻike o kāna kāne a ua weheʻo ia i nā ponohana ma lalo o kona inoa. Ua hoʻopiliʻiaʻo ia e ka IRS a me nā pono hana. Ua koiʻia ka ukuʻana inā ua haʻiʻo iaʻaʻole hiki i kāna kāne ke wehe i nā hōʻike. I kēlā manawa, ua hana ka meaʻaihue e like me kēia kanaka no 3.5 mau makahiki.
Paʻi kālā kālā
Pono nā SSN e koiʻia no nā kālā hou ma keʻano o nā loans no ka nui, ināʻaʻole nā mea a pau, nā mea nui nui (pēlē, nā kaʻa, nā moku, nā hale, a me nā hōʻai'ē "uku uku"). ʻO nā loina o kēiaʻano e like me ka 10% o nā meaʻaihue a pau. ʻO kaʻikeʻana i kaʻaihueʻana o kēiaʻano he hana i loko o ka hana -ʻo ia hoʻi ka poʻe i komo i kaʻikepili a / a iʻole ka mea i hōʻehaʻia ke hana i kēiaʻano kala. ʻO nā lālā likeʻole he mea kūʻai kaʻa kaʻa i loaʻa i kaʻikepili nā mea noi a hoʻomaopopo i ka hana o ka noiʻana i kahi hōʻai'ē a me ka kūʻaiʻana i kaʻa e nui paha ka hana hewaʻana. ʻO nā mea waiwai i loaʻa i kaʻikepili kālā a hoʻomaopopo i keʻano kūʻai / kūʻaiʻana o nā hale a me nā moraki, uaʻikeʻia e hana i nā kuhi pilale e pili ana i nāʻike hou.
Ma kēia mau hihia a pau,ʻaʻole eʻikeʻia ka mea i pepehiʻia no ka hana hoʻopunipuni a hiki i ka manawa i kūʻaiʻia aku ai ke kaʻa ma kaʻeleʻeleʻeleʻele aʻaʻole hoʻi e ukuʻia ka bila, a hiki i ka wā i hoʻokahuliʻia ai ka home a i ka hōʻaiaʻana paha o ka moraki,
Ka'ai'ē kālā kālepa
ʻO ka mea hōʻailona hōʻailona hōʻailona aʻoi loa aku i nā kālā kāleka hou. Pāʻokoʻa ka'elike kāki'ē i ka hapalua o nā meaʻaihue a pau. ʻO ka waiho waleʻana,ʻike nā meaʻaihue eʻike ana i nā kāleka kāleka no ka meaʻo lākou ka hōʻailona hōʻoia hou loa e wehe, a hiki iā lākou ke lilo i kālā i ka wikiwiki loa.
ʻO keʻano o ka hōʻai'ē e hoʻokumuʻia ma luna o ka "maʻalahi."ʻO ka loiloi kālā ka hoʻokumuʻiaʻana o kaʻahahui i hoʻohuiʻia, aʻo ka hoʻokaeʻanaʻaʻole i hōʻemi i ka hāʻawiʻiaʻana o nā kāleka kāleka . ʻO ka hope hope loa aʻu i heluhelu ai, aia he 3.5 mau bila e'āpono i nā palapala kāleka kāleka i'āpono muaʻia i kēlā me kēia makahiki i nā pahu leta.
Hoʻopuka pinepineʻia nā kāleka kālā i nā makahiki kānāwai, 18 a me. I ka 15 mau makahiki, hiki iā lākou ke palekana ma nā kāleka kāleka o kā lākou mau mākua. Akā, inā puka lākou i ke kula kiʻekiʻe a hiki i kēlā makahiki, hoʻomaka ke kaʻina hana. Inā 200 miliona nā makahiki i piha i ka 18 aʻoi aʻe ma luna o ka loaʻaʻana o kēia mau noi a pau, he nui ka leka uila e hele ana i ka'ōpala.
ʻO nā mea hōʻiliʻili iʻikeʻia i kahi lōʻihi i hala aku nei,ʻo nā noi i'āponoʻia i loaʻa i ka'ōpala e mālama i kahi tohu o ka hōʻai'ē i ka manaʻo o kaʻae puka. Ma hope o nā mea a pau, ua hoʻounaʻia ka bank i ka mea i manaʻoʻia, ai ka wā i hoʻihoʻi mai kaʻeke me ka hapa nui o kaʻike e nānā pono ana, e hāʻawi lākou i ke kāleka. Ua nānā au i nāʻike he nui kahi i kāpaeʻia e nā lima i nā palapala kāleka i kākoʻoʻia i mua i ke kākoʻoʻana a ua hoʻopiha houʻia, ua hoʻopihapiha a hoʻounaʻia i loko-a ua hōʻea mai kahi kāleka kāleka i nā lā he 10. No ke aha mai? No ka mea, ma nā maka o kaʻaʻa, e nānā pono nāʻikepili a pau.
ʻO nā polokalamu kelepona a me ke kelepona he mea maʻalahi wale i ka'ōkuhi ma muli o ka anonymity o ka hana. ʻO nā mea hōʻaiaʻikeʻikeʻia kekahi mau kī nui o kaʻike-inoa, ka helu wahi, a SSN a ua holo a holo. Hiki i nā pūnaewele kamepiula a me nā leka uila hoʻolei aku i ka inoaʻole o nāʻaihue.
Ke Kūkeʻo Loa
ʻO keʻano o ka'ōlelo hoʻokomo koke he mea hoʻokahi: ke kāhuehue i ka manawa. Keʻike i nā poʻeʻaihue i ka waha ma ka waha i ka wā e loaʻa ai kaʻikeʻike pilikino a aia ma kahi o kahi mea kūʻai nui. Ehia mau manawa i kāohiʻia aiʻoe i loko o kahi hale kūʻai a iʻole ka hale kūʻai, a hāʻawi mai i kahi kāleʻa'ōleʻa a iʻole ka T-shirt e kākau inoa i ka 10 pakeneka mai kāu kūʻai hou aku? ʻO ka noiʻana no ka hōʻai'ē koke i loko o kaʻoiaʻiʻo. "Ke hana nei ia ma lalo o 20 mau minuke a komo i ka hōʻikeʻana i kaʻikeʻana a me ka hāʻawiʻana iā SSN-ʻo ia mau mea i hiki ke loaʻa a loaʻaʻole i mea maoli.
ʻO ka mea koʻikoʻi i ka pilikia ke hāʻawiʻia ka inoa o ka mea i hōʻinoʻia a loaʻa kaʻike i like me ka mea i hōʻinoʻia. E hōʻike ana kāu hulina maʻamau i ka pūnaewele i ka mea e pili ana i kou inoa a me kahi e noho ai. Mai laila mai, e hana ana i kekahi mau hulina ma o nā moʻolelo aupuni a loaʻa kaʻike i ko lākou home ma ka pūnaewele me kahi SSN. Ināʻaʻohe pono e hana, a laila e kūʻai aku i kahi i kekahi mau mea kikoloʻeʻikepili pūnaewele hiki ke hana i ka hana. ʻO ka meaʻoi aku kaʻino loa i ka manawa e pili like ai nāʻohana i ka inoa like, a pili ka hewa o nāʻohana a me nā mākua-nā mākua, nā keiki, nā hoahānau, a pēlā aku. He mea maʻalahi ka hōʻikeʻana i ka ID a hāʻawi i kahi SSN waha a kākau paha no kekahi kanaka'ē aʻe me ka inoa hoʻokahi. ʻO ke kākau'ōlelo e hoʻoponopono ana i ka noi ke loaʻa i kahi kōmike liʻiliʻi a ua hauʻoliʻo ia e komo.
I ka manawa e loaʻa ai i ka'ehuehue ke kālepa hou, e "hoʻoleiʻo ia i waho" aʻaʻoleʻo ia e uku i ka pila. Ma hope o ka manawa, hahai nā mea aie i ka mea i hōʻeha, hoʻoweliweli iā ia no nā uku kīnāʻole, a koi i nā kālā kālā. Hoʻopilikia ka mea hōʻai'ē i ka hōʻai'ē o ka mea i hōʻehaʻia a he mea hoʻi ia e hoʻomaʻemaʻe. ʻAʻole hiki ke mālamaʻia ke kālā no ka mea i koiʻia no lākou iho, akā, e uku lākou i ka manawa, aʻo ka manawa ke kālā. I kekahi mau hihia, hiki iā lākou ke uku i nā loio a iʻole nā mea noiʻi pilikino. Ma muli o ka hopena o ke kūlana o ka hōʻai'ē, hiki paha iā lākou ke hoʻolōʻihi i ka manawa mai kahi hana. Ua hōʻoleʻia nā mea i'āhuehue i ka hōʻai'ē no ka ukuʻole i nā inoa a ua hāʻule i ka manawa e kūʻai i nā hale no ka hopena. I nā kumu he nui, ua hōʻinoʻia ka hōʻai'ē o nā mea i hōʻinoʻia ma muli o nā hana a nāʻaihue; nā hōʻai'ē hōʻali i hala aku nei i ka poʻe hōʻai'ē a me nā mea hōʻailona e hāʻawi iā lākou i ka nui o ka uku ukupanei no ko lākou mau pilikia iʻikeʻia.