He hana'ai'ē a ka mea hōʻai'ē e loaʻa iāʻoe e uku i kāu aie nui loa aʻo kekahi o nāʻano hana a lākou e hana ai,ʻo ia ke kāheaʻana iāʻoe e kūkākūkā i kāu'ai'ē a hoʻonoho i kahi uku. Hoʻohana nā kāpena i nāʻano hana e loaʻa ai nā helu kelepona pololei noʻoe aʻo kekahi o kēlā mau helu e hiki ke hopena i kāu helu hana. ʻO ka mea pōʻino,ʻaʻohe mea hikiʻole i ka mea kāpena hōʻai'ē e hana a ināʻaeʻole kou haku, hiki iā ia ke kau i kāuʻoihana.
Hiki i nā Debt Collectors ke kiʻi aku iāʻoe i ka hana, akā aia nā kānāwai kūikawā
Hoʻokiʻia nā kāpena e kāhea iāʻoe i ka hana, akā ma lalo o nā kūlana kūikawā wale nō. ʻO ka Fair Debt Collection Practices Act , ke kānāwai e hoʻomalu ai i nā mea hōʻai'ē'ai'ēʻekolu a hikiʻole ke hana i ka hōʻiliʻiliʻana i kahi hōʻai'ē,'ōleloʻiaʻaʻole iʻaeʻia nā'āpana kālā e kāhea i kāu wahi hana keʻike lākou a iʻole eʻike paha i kāu mea hana e ' e'āpono i kā lākou kāheaʻana i kāuʻoihana. Ma muli o kāu hana, ināʻike ka mea hōʻai'ē i kāuʻoihana, hiki i ka Luna Dute ke mālama pono iāʻoeʻaʻole iʻaeʻiaʻoe e lawe i nā pika ma ka hana.
Pehea e Kāohi ai i nā Luna Mai Kaheaʻana iāʻoe ma Ka Hana
ʻO ka hāʻawiʻana i ka hōʻai'ē i ka pōmaikaʻi o ka kānalua nui paha, akā,ʻo ke kāheaʻana iāʻoe ma ka hana,ʻo ia ke kuhihewa maoli. Loaʻa kahi manawa i maopopoʻole ai kaʻoki kālā i ka helu i kapaʻia e lākouʻo kāu helu hana paha aʻaʻole paha lākou eʻike i kāuʻoihana e hōʻoia i nāʻae o ka mea nāna i hoʻolālā i nā leo pilikino a ma ka hana.
Hiki iāʻoe ke ho'ōki i nāʻauhau hōʻai'ē mai ke kāhea aku iāʻoe i ka hana maʻalahi. E haʻi wale i ka mea hōʻai'ē e hanaʻole ka mea nānaʻoe e koho i kāu hana a iʻoleʻoe eʻae i ka loaʻaʻana o nā lekaleʻa pono ma ka hana a uaʻaeʻia lākou e kāpaeʻia e kāhea iāʻoe.
Kākau i ka lā a me ka manawa āu i noi ai i ka mea hōʻai'ē e ho'ōki i ka kāheaʻana i kāuʻoihana.
Ma hope o ka waihoʻana i kahi leka e hāʻawi iāʻoe i mea hōʻoia'ē aʻe e noi ana i ka mea hōʻai'ē e ho'ōki i ka kāheaʻana i kāuʻoihana. Inā ponoʻoe e hana i ke kānāwai e kū'ē i ka Luna Dute, hiki i ka hōʻike ke kōkua i kāu hihia.
ʻO ka ukuʻana i ka hōʻai'ē e kāohi ka mea hōʻai'ē mai ka kāhea iāʻoe ma ka hana a ma ka home paha. Ma mua o ka ukuʻana i kahi aie, e hoʻouna i kahi leka uila e noi ana i ka Luna Dute e hāʻawi iāʻoe me ka hōʻoia e loaʻa iāʻoe ka aie a uaʻoluʻoluʻoe e uku. Inā ua maopopo iāʻoe he pono ke aie, e uku e mālamaʻia no ka maikaʻi. ʻAʻole waleʻoe e ho'ōki i nā kāpili hōʻiliʻili, hiki iāʻoe ke hana no ka hoʻoponopono houʻana i kekahi pōʻino launa āu i loaʻa ai ma ka loaʻaʻana o kāu helu hōʻuluʻulu kālāʻole i kāu hōʻike kālā.
Ka mea e hana ai inā e mālama ana ka'Apana Moku Dute
ʻO ka haʻiʻana i ka mea hōʻai'ē'ai'ēʻaʻole hiki iāʻoe ke loaʻa nā kāhea ma kahi hana, e hoʻopau waleʻia kēlā mau hana hana. Hiki ke hoʻomau ke kāpena e hoʻokaʻa aku iāʻoe ma o nā hua'ōlelo'ē aʻe i loaʻa iāʻoe ma ka faila,ʻo ia hoʻi ka helu home, keʻoleʻoe e hoʻokuʻu i ka palapala e noi ana i ka mea hōʻai'ē e ho'ōki e kāhea iāʻoe.
Inā hoʻomau ke kāhea ka mea hōʻai'ē iāʻoe i kāuʻoihana ma hope o kāu'ōleloʻana iā lākouʻaʻole hiki iāʻoe ke loaʻa kēia mau kiʻina, e hoʻouna i kahi hoʻopiʻi i ka Keʻena Puke Lapaʻo Loa.
Me ka nui o ka hōʻeha kū'ē i kekahi luna waihona, hiki i ka CFPB ke hoʻoponopono i ka Luna Dute a koi aku e ho'ōki i ke kānāwai. Loaʻa paha iāʻoe kahi kumu e hoʻopiʻi ai i ka mea hōʻai'ē no nā pohō maoli a me ka hoʻopaʻi.