Wahi a ka Federal Trade Commission a me ke Keʻena'Āina Puke Lapaʻau Kūʻai,ʻo ka uku hōʻai'ē kekahi o nā mea i'ōhumu e pili ana i nāʻoihanaʻoihana a me ke kumu kūpono. He kakaikahi wale nō nā mea i loaʻa e pili ana i nāʻauhau hōʻai'ē. ʻO ka nani o ka mea maikaʻi i hiki ke lilo i mea hōʻeha,ʻoiai inā no kaʻoiaʻiʻo ke noi nei lākou i kālā. Akā,ʻoi aku ke kūʻai aku iʻoi aku ka maikaʻi no nāʻoihana e hoʻohana i nā koina, no laila,ʻaʻole e hiki koke ana nā mea lawe kālā i kekahi wahi.
He aha ka manaʻo'ai'ē?
ʻO ka hōʻai'ēʻokoʻa, heʻano ia o ka pūlāwai kālā i hoʻounaʻia i kahi kāpena hōʻai'ē'ē aʻe. ʻO nā kumukānāwai he mau lālā e hōʻiliʻili i nā uku kālāʻole no nā poʻe'ē aʻe. ʻO ka hui kūikawā āu i hana ai i ka aie e hoʻouna paha i ka helu i ka pūnaewele hōʻuluʻulu ma hope o kou halaʻana i kekahi mau uku aʻaʻole hiki iāʻoe ke uku. ʻO kaʻoi aku kaʻoi aku o nā kumukūʻai eʻoi aku i nā kumukūʻai no nā kamaliʻi e hoʻolimalima i nāʻauhau hōʻai'ē ma mua o ka hoʻomau e hoʻomau i ka hoʻohanaʻana i kā lākou mau kumuwaiwai i ka hoʻolimalimaʻana i nā kālā hōʻailona.
ʻO nā mea kālā likeʻole a me nā hāʻawi kālā he mau kulekele likeʻole no ka hoʻounaʻana i nā waihona i nā hōʻiliʻili. ʻO ka nānā houʻana i kāuʻaelike kāleka a iʻole kāuʻaelike e hāʻawi pinepine iāʻoe i kekahiʻike e pili ana i ka manawa kuhi o kāu mea nāna i hōʻai'ē. Hoʻounaʻia nāʻeke kālā hōʻai'ē i kahi hui punaewele ma hope o 180 lā, aiʻoleʻeono mahina, no ka ukuʻole. Hiki i nāʻokoʻaʻoihana'ē aʻe ke hoʻouna aku i nāʻike kālā no nā hōʻuluʻulu hōʻuluʻulu ma hope o hoʻokahi mahina aʻelua paha iʻole i ukuʻia.
Ka mea e manaʻo ai inā loaʻa iāʻoe kahi pūnaewele waihona
I ko lākou ho'āʻoʻana e loaʻa iāʻoe e uku i kāu aie, e kāhea aku nā kāpena'ai'ē iāʻoe, e hoʻouna i nā leka, ae kau i ka hoʻokomoʻana i kāu hōʻike kālā. Inā loaʻa iā lākou kāu helu kelepona hana, e kāhea aku lākou iāʻoe i kāu wahi hana keʻoleʻoe e hoʻomaopopo iā lākouʻaʻole i'āpono ka mea nāna i hana i ia mau kelepona.
Uaʻikeʻia kekahi poʻe'āpana e hōʻike mai i kahi home o kekahi kanaka i kā lākou ho'āʻoʻana e hōʻiliʻili i kahi hōʻai'ē. ʻIke nei,ʻo ia ke kānāwai. Hiki paha i nā kāpena ke kelepona i kāu kelepona, ināʻoe i hāʻawi i ka helu i kāu mea nāna i aie e hoʻopili iāʻoe.
Hiki i nā kāpena ke kelepona iāʻoe i waena o nā hora 8 am a 9 pm kou manawa manawa. Hiki ke hea iāʻoe i nā manawa he nui i ka lā, keʻoleʻoe eʻae i kā lākou mau kelepona. Eia naʻe, uaʻaeʻia nā kāpena e kāhea iāʻoe e hoʻi i hope i ka ho'āʻo e hōʻino iāʻoe.
Ke hikiʻole i kahi mea hōʻai'ē loaʻa iāʻoe ke paʻakikī e hiki iāʻoe, hiki iā lākou ke kāhea aku i kou mau hoaaloha a mau hoalauna paha no kaʻike pono iā lākou kaʻike pilikino pololei noʻoe. Uaʻaeʻia lākou e hana i kēia, akā,ʻaʻole lākou eʻaeʻia e hōʻiliʻili ana lākou i kahi hōʻai'ē aʻaʻole hiki iā lākou ke hoʻokaʻaʻike aku i hoʻokahi kanaka ma mua o hoʻokahi.
E hoʻouna aku nā kumukānāwai i nā palapala hōʻai'ē i kahi helu a lākou e waiho nei ma ke faila noʻoe. I loko o kā lākou bila mua iāʻoe, pono lākou e haʻi iāʻoe ua loaʻa iāʻoe 30 mau lā e noi ai i ka hoʻoholoʻana no ka aie . Ke noi nei i nā mana hoʻonā i ka mea hōʻai'ē e hāʻawi i ka hōʻoia e loaʻa iāʻoe ka aie. Hiki ke hāʻawiʻia iāʻoe i ka leka hoʻomaopopo no ka leka uila ināʻo ka leka uila ke kāheaʻana iāʻoe.
Ināʻaʻole lākou i ka helu kūpono,ʻaʻole loaʻoe e loaʻa i kahi leka hoʻomaopopo no ka hōʻai'ē. A ināʻaʻole i loaʻa ka helu helu pololei a ka luna dute iāʻoe,ʻaʻole pahaʻoe eʻike e pili ana i kaʻike aʻikeʻoe i ka mea i hoʻopaʻaʻia ma kāu hōʻike kālā.
Pono nā kāpena e hahai i ka Fair Debt Collection Practices Act , aiʻole FDCPA, i ka wā e loaʻa ana iā lākou kahi hōʻai'ē . Eia naʻe,ʻo ka lehulehu o nā mea hoʻopiʻi kū'ē e hana kū'ē i nā hōʻai'ē hōʻailona i kēlā me kēia makahiki e hōʻoia anaʻaʻole lākou i hahai mau i ke kānāwai.
Pehea e hōʻiliʻili ai nā hōʻiliʻili ma luna o kāu hōʻike kālā?
ʻO kāu loiloi kālā loaʻa nāʻike e pili ana i kāu loiloi kālā, e like me nā kāleka kāleka, nā loans, a pēlā aku.ʻO ka hapa nui, ināʻaʻole nā mea a pau,ʻo kāu mau mea aie e hoʻouna mai i nā hōʻike o kēlā me kēia mahina e pili ana i kāu kūlana uku i kāu hōʻike kālā.
Ke hoʻounaʻia aku kahi pūnaewele i kahi papa ukali, na ka mea nāna i hōʻai'ē a iʻole ka luna e hoʻoponopono i ka pūʻulu ma kāu hōʻike kālā me kahi "hōʻiliʻili".
ʻAʻole hiki i ka mea nāna ka aie e haʻi iāʻoe ua hoʻounaʻia kāu moʻokāki i nā hōʻiliʻili. Eia naʻe, pono ka mea hōʻai'ē e haʻi iāʻoe e hōʻiliʻili ana lākou i ka hōʻai'ē ma mua o ka hiki iā lākou ke hana.
He aha keʻano o kāuʻike?
ʻO ka hōʻai'ē hōʻai'ēʻo ia kekahi o nā hōʻailona hōʻai'ē hōʻai'ē maikaʻi loa . Hōʻike ka waihona pūʻulu i kāu hana kolohe i kahi moʻokāki.
E hāʻule kāu heluʻai uku ināʻikeʻia kahi koina ma kāu hōʻike. Hiki ke hōʻoleʻiaʻoe no nā kāleka kāleka a me nā lawaiʻa ma ka wā e hiki mai ana, i ka wā e hōʻea nei ka hōʻiliʻili aiʻole ināʻaʻole e ukuʻia a ināʻelua.
Hiki i nā hōke kālā hōʻiliʻili ke hoʻomau i kāu hōʻike kālā no nā makahikiʻehiku. Hiki iāʻoe ke hōʻemi i nā hopena o kahi hōʻiliʻili ma kāu heluʻai'ai'ē ma ka ukuʻana. I ka halaʻana o ka manawa, e hoʻopili ka waihona waihona i kāu hōʻai'ē. Ke hoʻomau nei e uku i kāu mau pili'ē aʻe i ka wā e kōkua pū nō hoʻiʻoe i ka loaʻaʻana o kāu heluʻai'ai'ē mai kahi hōʻiliʻili kālā.