Oku ezithile gambit ayiyi kuba faint entliziyweni
Ityala uqokelelo arbitration ke yinkqubo kuba egqiba unpaid ityala lowo seriously, ngamanye amaxesha hopelessly, arrears
Ukuba ekubeni desperately kwaye kulinywa nzulu kwi ityala sichaza wena settling phezulu kuba ngaphantsi ngokupheleleyo imali oyityala (ngaphandle ibhengeza bankruptcy) ikhangeleka appealing, ukufunda njalo.
Nisolko kwi phezu intloko yakho, kwaye nangona eziliqela izaziso detailing yakho idlulelwe lixesha isimo, nisolko ngasemva kwaye destined ukuba uhlale ukuba indlela. Ukuba, ekubeni kwenziwa ngqo uqhagamshelane kunye nawe, yoqobo lender okanye ityala isitalato abo ukuthengwa ityala, laququmbela njalo azame ukuqokelela imali iya kuba luphumelele, baya qhagamshela i-go-phakathi, inkampani ukuba administers i-arbitration inkqubo begin isenzo ngokuchasene nani. Xa arbitration nkqubo imiselwe kwi-sindululo, uza kufumana isaziso i-imeyili, nto leyo igosa ifomu lezonxibelelwano kwi ityala uqokelelo arbitration okanye ityala uqokelelo septemba okanye ityala uqokelelo negotiation njengoko kuya kuthiwa ngamanye amaxesha. Arbitration administrators musa uqhagamshelane kubathengi yi-umnxeba, okubhaliweyo okanye idilesi ye-imeyili. Bengayi kunibiza kamatshini intlawulo ngqo ugqitha imali ikhadi okanye threaten ukuba sheriff ke deputies liya kusa ukuba ejele. Kwakhona, ityala uqokelelo arbitration administrators, kusithiwa"bamatyala"okanye"iiforam,"uza ukusungula uqhagamshelwano nge-imeyili. I-arbitration isaziso uza iyakulumkisa ukuba inkqubo uqalile, kwaye okulindeleyo. Oku kungenzeka elungileyo ixesha kufuna isemthethweni ingcebiso ukusukela imigaqo, ngamanye amaxesha kuthiwa"kde"okanye"imigaqo"kulawula inkqubo kwaye kufuneka salandela.
Ekugqibeleni, meko yakho ngu ke umoya phezulu kwi-phambili a wesithathu, ezimeleyo iqela, abo baya mamela omabini amacala engxoxo kwaye ekugqibeleni isigqibo sokuba ngubani ntoni.
Kubalulekile imperative, ngoko ke, ukuba ufunda, lofundo-nzulu, kwaye ukuqonda iinkcukacha kwi-isaziso. Ukuba na ke confuses kuwe, musa ukulibazisa: Umnxeba i-wekhredithi kwaye buza imibuzo yakho. Oku kubaluleke ngokukodwa ukuba, nikholelwa wena musa tyala ityala, uceba ufake ibango kwi-contest. Oku kanjalo mzuzu abantu abaninzi recruit a lawyer amele kwabo. Kanye lender okanye ityala isitalato uqalisa inkqubo, akunakuba, kwaye kufuneka hayi, kuba sukuyihoya. Ukungaphumeleli ukuba bathathe inxaxheba hayi kuphela kuthetha yakho icala ayisayi kuviwa, kuzo zonke likelihood iza ngenxa kwi default isigwebo ngokuchasene nani. Debtor-initiated arbitration, eyaziwa njenge ityala lonke ityala lesi, ityala negotiation, okanye umniki septemba, i-umzamo ukunciphisa ungqinelwano owed ukuba debtor kwaye creditor uyavuma iya kuba ithathwe njengoko intlawulo kwi-ngokupheleleyo. Yingqele-call solicitors ukwenza oko isandi enticing."Ubusazi nawe kuba zomthetho lungelo ukunciphisa ityala oyityala ukuba ikhadi lebhanki letyala, inkampani yi-nesiqingatha."Enkosi nabo kwaye beka phantsi.
Asinako usamuel oku ngokwaneleyo: lumka
Ngokuqinisekileyo, negotiating crushing ityala mthwalo kwi manageability izandi alluring, kodwa yayo downsides ingaba substantial: Xa ityala-negotiating iinkampani wenze ebig izithembiso, ngaba ngokwenene babe pare kuphela encinane isixa-mali ukususela yakho iyonke ityala umonakalo wazo yakho yamatyala umyinge iya kuba njengoko ezibalulekileyo, kwaye njengoko lasting (ezisixhenxe ubudala) njengoko i-outright bankruptcy kwaye, ngenxa yokuba IRS unako meko - nokuxolelwa ityala njengoko ingeniso, ungakwazi omoya phezulu ngenxa irhafu. Apha ke scary inxalenye: Xa ukhe ubene - initiator kwaye usebenza nge-ityala-septemba inkampani, babe cela ufuna ukuyeka ukwenza intlawulo i-lender. Emva kwexesha intlawulo, inzala, izohlwayo pile phezulu ngaxeshanye, nisolko ukuthumela imali ityala-septemba inkampani, apho ubeka imali yakho kwi-escrow. Emva ngexesha, lonke ityala lesi inkampani uza uqhagamshelane yakho creditors kwi-i-bazame ukufumana kwabo ukwamkela mali isixa ukuba sele piled phezulu, kwaye ubhale ngaphandle bubonke njengoko engalunganga ityala. Uyakwazi wamsukela arbitration ngokwakho, ngaphandle risky schemes eliyingozi-septemba iinkampani, kodwa ke idla ekunene sinyuka. Ngokunxulumene a ingxelo nge-Consumer-Mali umyalelo wokhuselo Bureau, debtor-initiated arbitration kuyanqaphazekaarely ajongise ngaphandle koko, ingakumbi kuba kuthi abo bamele ngokwabo. Ukuba ukhe ubene omiselwe ukuzama, khumbula lawyer, okanye ukubonisana a nonprofit umniki-counseling inkonzo abantliziyo ingcaphephe zibe nako ukubonelela kude ngcono umendo-mali lezempilo. Uyazi, kanjalo, oku: Ityala arbitration ayikwazi kusetyenziselwa settle okanye ukucutha secured amatyala, ezifana student iimali-mboleko, umntwana inkxaso, alimony, okanye irhafu. Inkqubo esisinyanzelo bophelela arbitration ngu-a standard lokulingana kwi-phantse wonke yenkampani isivumelwano sivumelwano ukukhusela ngokuchasene costly courtroom disputes kunye abasebenzisi bamanzi. Endaweni yoko, disagreements ingaba igqityiwe kwaye zinikezelwe ukuhla yi-ezimeleyo wesithathu amaqela. Careful bale kakuhle shicilela ingaba abantu abaqhelekileyo kunye bophelela arbitration ulwimi kwi-izivumelwano kuwe anayithathela wawenza kunye ummandla wentengiso okufutshane kuye ka-credit amakhadi, iselula iinkonzo, auto-mboleko, kwaye ukhathalelo neenkonzo, igama nje ezimbalwa. Ngokunxulumene i-kweyethupha ngowama- ingxelo yi-Pew Charitable Iyathemba, phantse ezintathu -kwiimbombo zone zonke-mali amaziko ziquka bophelela-arbitration clauses zabo consumer izivumelwano. A conspicuous okukodwa yi-mortgage-ukwenza ishishini. Brokers kwaye lenders ingaba prohibited ukusuka efuna arbitration. Abasebenzisi bamanzi ingaba uyavuma ukusombulula imbambano ngokusebenzisa arbitration, kodwa abanako kuba banyanzeleka kuyo. Ngokufutshane, bophelela arbitration clauses ingaba zonke, kwaye abekho ndihamba kude.
Isebenzisa amagunya ayo phantsi Congressional Kovavanyo Act, ngonovemba Congress sirhoxisiwe, kwaye Umongameli ixilongo layo esayiniweyo, CFPB regulation ukuba kuya kufuneka zinikwe kubathengi ngokubanzi ukufikelela initiating iklasi-intshukumo lawsuits ngokuchasene lenders kwaye inkonzo bamatyala abo ziquka bophelela arbitration zabo izivumelwano.
Ubhala ngawe argued the regulation ange jacked phezulu iindleko ukwenza ushishino, injuring abasebenzisi bamanzi, ngexesha enriching kuphela plaintiffs' abaqondisi-mthetho.
Xa ufuna ujoyinela iimveliso okanye iinkonzo ukuba involve na uhlobo credit amalungiselelo, ukufunda uqhagamshelane ngokusondeleleneyo.
Kukho uzaku funda ukuba inkampani sele opted kuba inkqubo esisinyanzelo bophelela arbitration ukuba settle disputes.
Ukuba loo worries wena, uza kuba ukugcina inqwelo. Ngaba ukhe ubene initiating a ityala uqokelelo arbitration okanye ukhe ubene okujoliswe kuko omnye, u musa ufuna ukuya kuyo kuphela. A CFPB nzulu ipapashwe kwi-Kucanzibe ngowama- zifunyenweyo arbitrators fumana overwhelmingly kuba iinkampani, nkqu xa amatyala basemazweni imbambano. Kunjalo, kungenzeka ukuba akukho bani owaziyo imeko yakho yemali ngcono kunokuba ufuna ntoni, kodwa ke ngcono ukwazi imigaqo elawulayo, kwaye njani ukuba uqhankqalazo eyona yaba ukuba inzuzo kuwe. Ukuba ke apho consumer ityala attorneys okanye nonprofit consumer counseling iinkonzo kuza. Ilawula ityala arbitration yinxalenye zabo everyday ubuchule cwangcisa. Enyanisweni, imibuzo baya kuba ukusebenza kubudlelwane neqabane lakho creditors sele, apho unako grease i-wesilayidi ukuba eyona kunokwenzeka isisombululo.
Get ngokwakho i-baqeqeshwe elinolwazi, preferably omnye eziqinisekisiweyo lisebe i-american Elifanelekileyo Credit Ibhunga.
Kwezinye iimeko, kubathengi linokuba ndithi kuyo ukukhetha kunye"wekhredithi"(okanye"foram") kwaye venue ngexesha apho i-arbitration kokuva yenziwa. Ukuba unengxaki ukukhetha phakathi bamatyala, yindawo engcono ukuba uphando zabo kwiwebhusayithi sebenzisa ukukhangela amandla ukufumana iiforam apho uyakwazi ukufunda malunga nabanye abantu ke, amava kunye nabo. Oku kufuneka uncedo ukhethe enye. Njengoko kuba venues, arbitration hearings unako kwenziwa i-ofisi, phezu, ngomnxeba, okanye nge-imeyili okanye idilesi ye-imeyili. Ngenxa iindleko ezinokufumaneka kwaye ixesha abakwicandelo abajikelezayo, ungafuna umda iindleko kwaye khetha into engelilo i-umntu kokuva e-i-ofisi.
Buza ukuba kukho i-khetho ukutshintsha ukuva inkomfa umnxeba okanye ukuba oko kungenziwa i-imeyili okanye idilesi ye-imeyili.
Imigaqo ukuba kulawula inkqubo zibizwa ngokuba"kde"okanye"nemigaqo-nkqubo."Protocols ziquka deadlines, izibophelelo, kwaye iindleko kuba kudala. Olu lwazi kufuneka kufumaneka kumboneleli ke kwiwebhusayithi. Arbitration uza iindleko ufuna imali. I-wekhredithi kufuneka ube ishedyuli ukuba uchaza iintlawulo kwaye iindleko ezinxulumene ne-a kokuva kwaye kangakanani iqela ngalinye kufuneka uhlawule. Ukuba awunokwazi afford ngayo, buza ngokukhawuleza kangangoko ukuba ungenza isicelo sesibonelelo imali waiver. Kuhlanganisa zonke ezikhoyo iifayile kwi ityala lakho(s) ukuba uza kuba ngameva yakho arbitration meko. Ukuba akunayo i-iphepha iifayile, mhlawumbi unako ukufumana nabo kwi-intanethi kunye yakho creditor okanye service provider. Kuhlanganisa bank zemali Isicelo iikopi yakho yamatyala iingxelo ezintathu ukusuka engundoqo credit ubeko iinkampani (i-Experian, TransUnion, Equifax) kwaye khangela nabo kuba iimpazamo. Yenza ezithile ezi amaxwebhu kunye nayo nayiphi na eminye ukuxhasa ubungqina yindlela elungileyo ukuze kwaye lula kuwo ukwenza eyona kunokwenzeka impression xa arguing yakho meko. Chances ingaba yakho meko iya omoya phezulu phambi kokuba omnye ezimbini ezininzi ngokufanayo ngenxa zizezona reliable arbitration amaqela: i-american Arbitration Association kwaye JAMS I-Isisombululo Ingcaphephe.
Zombini AAA kwaye JAMS bonwabele superior reputations, inxalenye ngenxa yokuba igunya protections kubathengi ekuqalekeni kunye capped filing iintlawulo kwi - yabo iinkqubo.
Umzekelo, AAA kwaye JAMS kwentlawulo kubathengi a dollazi amabini anamashumi dollazi filing imali, ngokulandelelana kwayo, kunye inkampani kokuthabatha echaza le eyimali. Ngokusekelwe zimvo lomgaqo-omabini amaqela, arbitrator kuza a verdict kwaye yenze isigqibo malunga a isisombululo ukuba ngolu hlobo lulandelayo isemthethweni imigangatho.
Ukuba arbitrator imigaqo ngokuchasene nani kwaye lugqiba oyityala imali yakho creditor kufuneka azise isigqibo ukuba inkundla, apho ijaji uza qinisekisa kuyo.
Xa umgwebo finalized, inkundla ingayalela ukhethe mba a garnishment ukuze ngokuchasene nani. Oku kwenza yakho creditor ukuthatha imali ngqo kwi yakho paycheck okanye bank i-akhawunti ukuze iquke ityala lakho. Abanye imali ezifana federal izibonelelo njenge-arhente Yokhuseleko Lwezentlalo ingaba exempt ukusuka garnishment. I-arbitrator ke isigqibo ngokuchasene uyakwazi kuchaphazela kakubi yakho yamatyala imbali kwaye amanqaku, ukwenza oko inzima ngakumbi kuwe ukuvula entsha imigca-credit kwixesha elizayo. Ngamanye amazwi, ngaphandle kokuba uyakwazi kuvavanya ibango eliyingozi ngokuchasene nani ngu ubuxoki, wena ufuna ukwenza zonke uyakwazi ukuphepha winding phezulu bophelela arbitration. Omnye surest iindlela ngu-hamba get-mali yakho endlwini ukuze, iqala nge-kokubonisana nge nonprofit credit counseling inkonzo.
Iziphumo arbitration ingaba bophelela, kwaye kukho kuphela isibini iinketho ukumsukela ukuba awuvumelani arbitrator ke isigqibo.
Ungakhetha noba umngeni i-isitalato ke isicelo ukuba iinkundla qinisekisa a isigwebo ngokuchasene nawe, okanye ungaya inkundla ngokwakho kwaye contest le mbasa. Ngelishwa, kukho ezimbalwa kakhulu izizathu uyakwazi umngeni isigqibo. Arbitrators asingawo kufuneka athabathe umthetho okanye isemthethweni precedent ingqalelo xa kusenziwa isigqibo sabo kwaye states musa kufuna"bamatyala"apapashe iziphumo. Kungoko kukho ezimbalwa kakhulu emidlalo ngomhla apho isibheno. Omnye ngu-arbitrator misconduct, enye kukuba compel discovery ukuxhasa amabango ngokuchasene nani kwaye wesithathu kukuba i-mngeni ukuba semthethweni ka ekubeni i-arbitration lokulingana kwi-zengqesho. Ezithile imithetho uzama ukuqinisekisa ukuba uzalise isidima ka-arbitration iinkqubo, kodwa kukho soloko ufumana i-zombhali kuphela umba obandakanyekayo kunye wonke umntu. I-creditor lazise kuwe malunga arbitration nkqubo phambi kokuba kwenzeka. Improper isaziso ayikwazi kukhokela inkqubo arbitrator kulawula yakho ukuthandwa, ngexesha ngokufaneleka isaziso oninika ithuba lungisa. I-creditor kufuneka usebenzise i-ngaphandle arbitration inkampani oko kukuthi impartial kwaye sele akukho amakhonkco kwi-creditor. Oku kuthetha ukuba akukho unako kuba akukho kongquzulwano enomdla kwaye arbitrators ayikwazi bonisa na bias. I-Federal Urhwebo Ikhomishini (FTC) sele kuchazwe ukuba debtor intatho-nxaxheba arbitration kukuncedisa unsettlingly low. Oko blames nokungabikho inxaxheba kwi numerous iingxaki inkqubo. Kwiminyaka yakutsha nje, FTC sele kukhankanyiwe ezinye iingxaki kwaye lisebenza kwiintlanganiso correcting kwabo. Abasebenzisi bamanzi abakwicandelo arbitration kufuneka utilize zabo amalungelo balwe ityala ukuba bayakholwa baya musa okanye akufunekanga tyala kulo.
Nangona kunjalo, odds ingaba khetha udidi lwetshathi heavily ngokuchasene consumer impumelelo kwi arbitration.
