Eia kekahi mau ala i loaʻa ai i kāu lawe kālā i kāu helu kelepona.
ʻO ka Original Creditor
Ke hoʻoili a hāʻawi aku paha kāu mea hoʻopuka kālā kāleka, ka mea hāʻawi kālā, a iʻole ka mea lawelawe i ke kālā i kahi hōʻai'ē'ai'ē, e hāʻawi pū lākou i kaʻike pilikino, me kāuʻikeʻike. No kēlā me kēia helu kelepona āu i hāʻawi aku ai i kāu mea nāna i'ai'ē, e loaʻa i ka mea hōʻai'ē.
ʻO kāu hōʻikeʻike kālā
Loaʻa i kāu hōʻike kālā kālā kouʻike pilikino hou, e like me kāu helu wahi a me ka helu kelepona. Ke hōʻike nei kāu mau'ai'ē i kēia manawa i kāuʻike i nā bureaus nama, a laila hoʻokomoʻia ma kāu hōʻike pili kālā. No ka loaʻaʻana o nā hōʻai'ē hōʻai'ē i kāu hōʻike kālā, hiki iā lākou ke loaʻa kāuʻike pilikino hou mai kāu hōʻike kālā.
Kāleka koho
Mahalo i ka ID kelepona, hiki i nā mea hōʻai'ē ke loaʻa kāu helu inā kāhea muaʻoe iā lākou. E'ōlelo, iāʻoe he laʻana, loaʻa iāʻoe kahi leka ma ka leka uila a kāhea mai mai kāu kelepona e nīnau e pili ana i ka hōʻai'ē.
Ke hāʻawi koke akuʻoe iā lākou i kou inoa aiʻole helu helu no ka leka, e mālama i ka helu kelepona i kāheaʻia mai me kāuʻike pilikino. Mai kānaluaʻoe i ka hoʻomakaʻana o nā kāpena hōʻiliʻili e kāhea iāʻoe ma kahi helu āu i kāhea mua ai iā lākou,ʻoiai ināʻaʻole kāu helu helu nui.
Ka mea āu iʻike ai
ʻO kahi hoalauna, hoaaloha, lālā o kaʻohana, hakuhana, hoa kāne, ex-hoa wahine, aʻo kekahi mea'ē aʻe iʻike iāʻoe ua hāʻawi paha i kāu helu i ka mea hōʻai'ē.
Hoʻohana nā kāpena i kekahi kaʻina i kapaʻia "hoʻokuʻuʻia" no ka loaʻaʻana o nā helu kelepona a me nāʻike pilikino'ē aʻe no nā poʻe aie. Hiki lākou i ka poʻeʻike iāʻoe a loaʻa iā lākou kaʻike e hiki ai iā lākou ke pili iāʻoe. E hōʻike ana ka mea hōʻai'ē i ka manaʻo nui o ka'ōlelo e pono lākou e kamaʻilio pū meʻoe no kahi meaʻoihana waiwai a noi i kāu helu ma kahiʻano pilikino, e like me "Ke helu neiʻo Susan i ka helu 123-4567?"ʻO kou mau hoaaloha, makemake e kōkua, hiki ke hāʻawi i ka Luna Dute i kāu helu kelepona.
ʻO ka Pūnaewele
Hiki iāʻoe ke ho'āʻo i ka mālamaʻana i kāu kelepona pololei, akā,ʻaʻole hiki ke maʻalahi e like me kou manaʻo e hūnā,ʻoiai ke nui nāʻoihana i ke kālepa no ka hōʻiliʻiliʻana a kūʻai liloʻana i nāʻike mea kūʻai. Mahalo kou mahalo i ka nui o kāuʻike e loaʻa ai me nā engines hulina. Hiki i nā kāpena ke huli i ka pūnaewele e huli i kāu helu phone i heluʻia ma kahi papa kuhikuhi, nā moʻolelo aupuni, a me kahi pūnaewele pūnaewele. Inā loaʻa iāʻoe kahi inoaʻole,ʻoi aku ka maʻalahi o kaʻeliʻana i nāʻike e pili ana iāʻoe ma ka pūnaewele.
Ka hoʻohanaʻana i nā inoa inoaʻo Debt Collector
ʻO kahi hapa o ka hana a ka mea hōʻai'ē e loaʻa iāʻoe. Ua aʻoʻia lākou e hoʻohana i nāʻano hana eʻike ai i nā kānaka, ka poʻe e peʻe ana a me nā meaʻole. Ināʻoleʻoe e neʻe a nui, e hoʻololi pinepine i kāu helu kelepona, aʻaʻole e hāʻawi i kāu helu i kekahi ,ʻaʻole pahaʻoe eʻalo i nā hōʻai'ē hōʻailona no ka lōʻihi loa.
Hiki paha iāʻoe ke huhū no ka loaʻaʻana o kāu helu a hoʻomakaʻoe e kāhea iāʻoe, akāʻo ka hana maikaʻi loa ma kēia wahi,ʻo ia ka hoʻoponoponoʻana iā ia. Hiki iāʻoe ke hoʻopau i nā kāpenaʻohi mai kēlā kāpena e hoʻouna i kahi leka noi e haʻalele lākou iāʻoe. Ināʻo kāu aie (a iāʻoe ka kuleana e hōʻoiaʻo ia),ʻo ka ukuʻana i ka hōʻiliʻili he koho hou ia e hōʻoia aiʻaʻoleʻoe e lawelawe hou aku i nā pili e pili ana i kēlā'ai'ē.