Sharciga nidaamiya Mulkiilah iyo Kireystaha waxuu oranayaa wakhtiga uu mulkiilahu bilaabayo dayactirka waxey ka bilaabaneyso marka kireystaha bixiyo dalab qoraal ah. Waa fikir fiican in aad dekumenti ka sameysato warqada dalbka dayactirka ee loo diray mulkiilaha, waana in lana hubiyo in ay gaartay iyadoo lagu dirayo warqada darajada kowaad, waana in aad ka heysatid nuqul ama koobi. Kireystahu qof ahaan waxuu u geyn karaa dalbka Mulkiilaha, laakiin waxaa fiican in aad heysato marag goob joog ka ah in warqada loo dhiibay, mulkiilahu uu saxiixo kuna qoro tariikhda oo dabadeedna kala har koobi. Mar walba ka reebo koobi waraqda kasto oo aad dirto. In aad dekumenti ka sameysato in mulkiilahu helay waraaqaha waa muhiim waayo sharcigu waxuu dalbayaa in dayactir la heli karo oo keli ah marka uu mulkkilahu helo warqada dalabka. Waxaa kaloo wanaagsan in dekumenti laga sameeyo baaxada ay la’egtahay mushkilada dayactirka adigoo ka qaadaya sawir kuna muujinaya Fareemka koobiga wargeyska maalin laha ah si loo cadeeyo wakhtiga.
Wey haboon tahay in aad ku wargeliso af ahaan mulkiilaha mushkilada dayactirka, laakiin waxaa muhiim ah in aad daba gasho waqada qoraalka. Mar walba ka heyso koobi warqada madaama dekumentigan uu kaa ilaalinay sheegashada ah in aadan u soo dirin ogeysiis dalabka dayactirada.
Nidaamka sharcigu ee dayactirka iyo ka jarashada, waxuu dalbayaa in aad ku darto qiyaasta aad fileyso dayactirku iyo inta uu ku kacayo. Ka eeg hoostan maclumaad dheraad ah ee khatarta iyo faaidada dayactirka iyo ka jarista sharcigu dalbayo.
Sharciga gobolku waxuu si cayiman u sheegayaa in uu mulkiilahu qaado tilaabo uu ku dayactirayo marka uu helo ogeysiis qoran. Waxeyna yahiin:
*In aaney ka badnaan 24 saacadood xaaladaha ciladeed ee kireystaha ka xanibaya biyaha kulul ama qaboow, korantada ama kuleylka, ama waxii khatar muuqata u leh nafta. *In aaney ka badnaan 72 saacadood xaaladaha ciladeed ee kireystaha ka xanibaya in uu isticmaalo talaagada, iyo oofanka cuntada lagu karsado, ama sameynta cilada weyn tubooyinka uu mulkiilahu sameey. *In aaney ka badnaan 10 saacadood waxyaabaha kale oo idil. Oo ay ku jirto waajibaadka mulkiilaha ee sharcigu qeexayo RCW59.18.060 iyo kuwa kale.
Waxaa xusid mudan in sharcigu ka dalbayo mulkiilaha in uu qaado tilaabo uu ku dayactirayo wakhti cayiman, dhameeyana dayctirka sidii la doonayey. Macnaheedu ma in aan laga marmaan in mulkiilahu uu ku dhameeyo dayactirka wakhtiyada kor lagu soo xusay.
Haddii mulkiilahu bilaabi waay dayactirka wakhtiyada sharcigu dalbayo, kireystayaashu waxey heystaan fursado kooban ee dhanka sharciga. Mid walba waxaa la doonayaa tilaabo sharciyeed gaar ah oo mid walba leeyahay xad loo maro. Eeg tilaabada 4 aad ee hoos adiga oo tixgelin siinaya kala xulashooyin badan. Akhbaar faahfaahin ee tilaabo walba, ka eeg Washington Law Help document Dayactirka Kireystayyashu u Baahanyahiin.
Sharcigu waxuu u ogolaanayaa kireystaayaasha in ay jabiyaan heshiiska oo ay guraan iyagoon la kulmeyn ciqaab haddii uusan mulkiilahu qaadin tilaabo uu ku bilaabayo dayactir wakhtig sharcigu dalbayo iyo wakhtiga macquulka ah. (Sharciga Mulkilaha-Kireystaha ma macneyney macquulnimada wakhtiga) Dalbashada dayactirku waa in sidoo kale nuxur ahaan kireystahu wakhti ku filan bixiyaa damanad qaad in uu guriga ka guurayo. Kireystayaashu waa in bixiyaan wargelin qoraal ah oo ay doonayaan in ay guryaha baneyaan. Inta aadan jebin heshiiska, la tasho qareen si uu talo kuu siiyo iyo wadada aad u mari laheyd axwashaada khaaska ah.
Si kastaba ha ahatee, waxaa jira khataro la xiriira dalabkan. Arrintani kuma caawineyso haddii kiradaadu tahay bil bil ama aadan heysan fursada in aad guurto ah. In kastoo xaqan uu sharcigu si cad u dhigay, mulkilahaagu ma uu gareysan doono xaqaaga jebinta heshiiska madama aan la sameyn dayactir, waxuuna isku dayayaa in hakad kaa geliya lacgatii lagaa hayeye debaajiga iyo ama ay kugu soo dalacan doono kirada iyo ku xadgudubka jebinta heshiiska. Madama sharciyadan yahiin kuwa qofku fulinayo, haddana adiga ayeey kugu xirantahay in aad hesho dekumentiyada aad u baahantahay in aad isga ilaaliso in mulkiilahu wax kugu sheegto. Mulkiilahu waxaa suurowda in uu kugu soo dalacdo kharsh, uu kula tiigsado maxkamada sheegashadaa lacagaha yar yar, ama uu kuu gudbiyo heyadaha soo celiya lacagaha labixin waayo ee la isku sheegto (Collection), isagoo ku andacoonaya in aad jebisay heshiiskii. Haddii aad awoodo, isku day in aad la xaajooto mulkiilaha inta aadan ka bixin guriga in aad ka heshso qoral uu saxiixay mulkiilahu oo oranaya waad fasaxantahay in aad guurto mudada cayiman iyadoo aaney jirin wajibaad kale ee lacaged.
RCW 59.18.090 waxuu oranayaa in kireystahu jabin karo heshbiiska ka dib markii ay dhammato wakhtiga haboona ee la raacayey oo ah in mulkiilhu uu helay ogeysiiska dayactirka, oo dayactirku uu socdo weli kuna dhamaan “wakhti macquulka ah”.Sharciga Mulkiilaha-Kireystaha ma uusan macneyeyn wakhtiga “macquulka ah”. Markasta oo aad dooneyso in aad jabiso heshiiska, waxaa muhiim ah in aad la tashato qareen.Haddii ay suroowdo, ka same dekument isku deyga mulkiilaha ku dayactirayo aaney aheyn mid ku filan xalinta mushkilada. Kireystayaashu waxey lahaan karaan sabab xoogan oo ay ku jabin karaan heshiiska taas oo saldhigu u ah baahida u qabida dayactirka. Tusaale, helis laanta biyaha kulul ama kuleylka wey ka duwananeysa bedelista cabinet ka oo la bedelo.
Haddii aad jabineyso heshiiska kirada, waxaa wanaagsan in aad sidaaan sameyso:
*Heyso nuqulka ama koobiga warqadada dayactirka. *Heyso koobi rasiidka warqada aad dirtay oo la hubsaday ama dekumentiyaal muujinaya in aad u dirtay warqada dalabka ee mulkiilaha. *Sug waqtiga ku haboon ee loogu talagalay. *Ka qaad sawiro iyo dekumentiyaal ama rasiid la xiriira xaaladaha ciladaha oo ka same koobi kuna qor jaraaidka maalinta oo muuqato lana arki karo si loo cadeeyo wakhtiga. *Sii mulkiilaha warqad labaad aad ku ogeysiineyso adigo ugu diraya warqada darajada kowaad ee hubashada in aad jabineyso heshiiska kirada sida uu ogol yahay sharciga gobolka Washington. Kana reebo koobi adiga aad leedahay. *Ku soo celi guriga sidii hore oo uu ahaa marka laga reebo dhawac iyo dilaaca ama dhibaata ka timid mulkiilaha oo uu ku guldareystay in uu sameeyo waxyabaha waajib ku ahaa in uu qabto, iyo in aad ka saarto dhamaan alaabta kadib marka aad guurto, soona celiso furaha. *Sawir ka qaad ama dekument ka same in aad guriga ku soo celisay siduu ahaa markii hore. *La hadal qareen si aad talo xaladaad ku haboon uu kuu siiyo.
Ka digtonoow in mulkiilahu uu kuu gudbiyo heyadaha karedika isago kugu sheeganaya in aad heshiiska jabisay, taaso mustaqbalka dhibato kuugu keeni karta in aad guri kireysato. Waxaad kaloo awodaa, adiga oo juhdi iyo wakhti gelinaya, in lagaa saaro rikordkaaga kareedka xumaday haddii laguu geliyey si aan haboneyen. Ka eeg waxii maclumaad dheraad ah Kareedhika & Lacag Soo Celinta -Credit & Collections.
Xaaladaha qaarkood, kireyestayaasha way dayactiran karaann haddii uusan mulkiilahu bilaabin dayactirka wakhtig cayiman ee sharcigu dalbayo. Waxaa jira waqti cayiman iyo inta kharshka uu bixin karo kireystahu, waxaan jira hab gaar ah oo la doonayo in loo maro. Eeg Sharciga caawinaya kireystayaaha ee Washington Kireystayaasha: Maxaad Sameyneysaa Haddii Gurigaagu Dayactiro U Baahdo kalana soo xiriir waxii maclumaad dhereraad ah. Kirystaha aan dhaqaale ahaan woodin uma isticmaali karo dayactir qurxinta guriga, uga mana jaran karo kirada dayactir ahaan. Kireystaha aan awoodin kuma haboona in uu sameeyo dayactir isaga oo lacagta dayactirka iay xad-dhaaf tahay oo ka badan inta sharcigu qoondeeyey. Waxaa dhici karta in ay dhibaato dhasho haddii dayactirka aanu sameyn qof xirfada shati u heysta ama haddii dayactirku dhib xoogan u geysto guriga. Xitaa haddii aad raacdo sharciga qoran, xaqaaqa in aad isticmaasho in aad dayactirka ka goosatid mulkiilahu ma uu ixtiramayo waana in ay kugu wargeliyaan in 3 casho lacgtood ku bixiso ama ogeysiiska ka baxdid. Haddii mulkiilahu uu goaansado in aad bixiso kirada oo dhan, oo ay ku jirto cadadka lacagta aad ka jaran laheyd dayactirka, ka dhiidhi kuna dacwee mulkiilahi Maxkamada Sheegashada lacagaha yar yar ee kharashka dayactirkada.
Kireystayaasha qaarkood waxey iyagu door bidaan in lagu wargeliyo “3 casho oo ogeysiis ah in ay lacagta ku bixiyaan ama isaga baxaan” iyo in ay ka gudbaan tilaabada ah in laga jaro kirada mulkiilaha halka warqad kaga dalbanayo in loo magdhawo. Haddii mulkiilahu ka diido kireystaha waxu aadi karaa Maxkamadaa sheegashad lacagaha yar yar. Inta aanu kireystahu isticmaalin xaqa dayactirka waa in uu la tashadaa qareen si uu u helo talo iyo akhbaar xaalada u gaar ka ah.
Arrintan waxey u bahantahay hab sharciyeed gaar ah, taas oo aad u murugsan, weyna adagtahay in si haboon loo mareeyo.Ka eeg akhbaar faahfaahsan Kireystayaasha: Maxaad sameyneysaa haddii guriga aad kireysatey daycatir u baahdo.
Waxaad awoodi kareysaa in aad Maxkamad aadid oo garsoore weydiisatid in uu bixiyo amar uu ku dhimayo kiradaada taas oo ku saleysan diidmada uu mulkkilahu diiday in uu sameeyo dayactiradii loo bahnaa. Amarka ceynkaas ah oo kale, Maxkamadda waxey dhimeysaa ama yareyneysaa bixinta kirada mustaqbalka ilamaa uu mulkiilahu ka tuso Maxkamada in uu dhameeyey dayactirka. Tani waxey ka hor tageysaa mulkiilaha in uu isku dayo in uu kaa saaro haddi maxkamadu ku siisay amar kuu fasaxaya kiro dhimis.Maxkamada ama dhexdhexaadiyaha marka hore waa in ay cayimaan wakhti la ogyahay kaas o mulkiilahu ku wajibi kara dayactirka ka hor inta uusan bilaabin kireystahu.Si aad la talin sharci u hesho arrinakan, dib u eeg Tusmad Kaalmada Sharciga.
Madama sharciga ku saabsan dayactirka uu wakhti ku eg yahay, uuna yahay wax uu qofku fulinayo, waad doonan kareysaa in aad hesho ilo si aad uga faaideysato in ay kor kuu qaado sidii aad ula xajoon laheyd mulkiilaha.Hoos waxaa ku qoran fursado badan ee aad isku deyi karto in aad dabagasho mulkiilaha si uu u sameeyo dayactirka muhiimka ah ee guriga.
Degmooyin badan ee Washington waxey leeyahiin adeeg dhexdhexaadin oo ka caawinaya mulkiilaha iyo kireystaha in ay xaliyaan isqabad kooda. Dhex dhexadiyaasha waxey garanayaan sharciga mulkiilaha-kireystayaashu waxaana suurta gal ah in ay ku cawinaan sida aad u la xajooneyso mulkiilaha.Waa muhiim in aad ogaato in marxaladan bilaabisteedu aanu u bahneyn in uu soo dhaweeyo mulkiilahaaga, waxuuna la imaan karaa arrimo ay ka mid tahay aargoosi. Ka raadso waxyaabaha ku sabsaan dhexdhexaadinta ee Go’aanada Washington. Adeegyadaan badenkood waa u bilaash dadka dhaqaalahoodu hooseeyo.
Magaalooyin badan waxey leeyhiin kormeerayaal baara fulinta sharciga guryaha u dhigan si ay u fuliyaan oo xaqijiyaan in uu waafaqo koodadka dhismyaasha maxaliga. Nooca fulinta koodka waxaa la doonayaa adiga marka hore in aad biloowdo marxalda dayactirka adoo ku wargelinaya mulkiilaha qoraal baahida dayctirka, waan in aad sugta waqti macquul ah ee sharcigu ogol yahay. Jawaabaha magalooyinku waa ku kala duwan yahiin, dhamaana dowladaha hoose heshiis kuma ah in ay sameyaan baaris.
Ogsonow haddii gurigu aanu laheyn biyo iyo koronto, iyo mushkilado kale ee keenaya in lagu nolaan waayo, waxaad eedeyn kareysaa magaalada. Hadaba guriga la eedeyana, waxaa lagu warsanayaa in aad guriga baneyso. Wac heyada fulinta koodka si aad u sharaxdo xaladaada, weydiina tilaabada ay qaadi donaan si aad awood xog uruursi u heshid inta aadan qaadin go’aanka aad dacwo ku xeryneyso.
Dowladaha hoose qaar waxey awodaan in ay ku soo rogaan mulkiilaha ganaax ku saabsan ku xad gudubka Koodka. Haddii ay magaaladu baaritaanka sameyneyso, xaqiiqso in aad warsato dekumenti qoran ama koobi warbixintooda ee ku caawini karaya.
Seattle waaxda Qorsheynta & Horumarinta) waxaad ka waci kartaa 206-615-0808. Ka Raadi online ka fulinta magaalada koodka ama wac xarunta golaha degaanka, weydiina xafiiska qaabilsan fulinta koodka dhismayaasha. Iyaga waxaa sidoo kale loo yaqaan Qorsheynta, Horumarinta, ama waaxda koodka dhismayaasha.
Damaanada qaadis in la degaan karo guriga waxaa dalbaya sharciyadii horey u jirey iyo xeerka u yaal Mulkiilaha iyo Kireystaha. Damaand qaadka ku habonaanta in la degi karo, waxaa balan qaadaya mulkiilah in degaanku yahay mid amaan ah ee lagu nolaan karo. Haddi guriga qeyb ahaan ama gabigiisba aan la degi karin sabatoo ah in muliilahu ku guul dareystay dayactiradii loo bahnaa, kireystahu waxuu awodaa in uu ku dacweeyo Maxkamadda Sheegahsada Lacagaha yar yar qeyb ahaan ama dhamaan dhimista kirada mudada guriga aanu hagaagsaneyn. Ka eeg akhbaar dheraad ah halkan Damaand ah in la Deganaan Karo.
La imow marag muujin dekumenti sheegaya ba’naanta dayactirada taas oo caawini doonta garsooraha in uu gaaro goaan ku haboon inta lagaa dhimayo kirada. Dulmarida dekumentiga ba’naanta dayactirku waa faaiido oo ay la socoto warbixinada baarista ee koodadka, warbixinta markhatiyaasha iyo sawiro. Tani sidoo kale waxey kuu faaideyn kartaa in ay kor u qaado sida aad ula xajooneysido mulkilaha. Waxaa xusid mudan in ay jiri karto in aad dacweyso muliikaha inta aad guriga degantahay. Mulkilahu waxuu sameyn karaa in uu adigana kugu dacweeyo Maxkamadda Sheegahsada Lacagaha yar yar kharash kasta oo uu is leeyahay waad ka qabtaa. Intaa waxaa dheer, in ay qaadi karaan tilaabo kale oo ay kaaga argoostaan, oo ay ka mid tahay in ay joojiyaan heshiiska kirada ee aad la gashay. La hadal qareen oo weydiiso talo iyo akhbaar sida ugu fiican ee loo wajahi karo.
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