Chikondi Chatsopano, Ngongole Zakale: Kodi Zowopsa Zanu Mwalamulo Ndi Chiyani Mmalamulo Achi Dutch

Maubwenzi atsopano amabweretsa malingaliro ogawana-ndipo nthawi zina katundu wakale: kirediti kadi yoyiwalika, kubweza ngongole pa telecom, ngakhale chiweruzo chafumbi. Ku Netherlands, "ngongole zakale" zimatha kuyambiranso kudzera mu incassobureaus, deurwaarders, kapena mbendera ya BKR. Kulowa, kulembetsa mgwirizano, kapena kukwatira kumadzutsa mafunso ovuta: kodi ngongole yakale ya mnzanu ingakufikireni, ndipo ikadali yotheka?

Nkhani yabwino: Malamulo achi Dutch amapereka chitetezo. Zonena zoletsa nthawi (kutsutsa) sizingakakamizidwe kukhothi, pokhapokha ngati wotchiyo idakonzedwanso bwino (stuiting). Popanga mapu angongole, kuyang'ana masiku, kuyankha popanda kuvomera mangawa, komanso kutchingira ndalama ndi mapangano oyenera, mutha kuchepetsa ngozi, kuyimitsa njira zokakamiza, ndikulipira pokhapokha pakufunika.

Bukuli likusintha malamulowo kukhala masitepe omveka bwino. Mupeza zowona, nthawi zochepetsera mayeso, kutsika, kuyeza mangawa paubwenzi wanu, kuteteza katundu mukamakhalira limodzi, kuyankha otolera, kuthana ndi alonda, kutsimikizira mtengo wa incasso ndi zilembo za masiku 14, fufuzani zomwe zalembedwa mu BKR, ndikudziwa nthawi yoti muphatikizepo loya waku Dutch. Tiyeni tiyambe.

Khwerero 1. Sonkhanitsani zowona: mitundu ya ngongole, masiku ofunikira, ndi makhothi aliwonse

Musanayeze verjaring kapena kukambirana za chiwongoladzanja cha mnzanu, pangani fayilo yowona bwino. M'milandu yachi Dutch, kukakamizidwa kumatengera mtundu wa zomwe akufuna, nthawi yomwe idayenera (opeisbaar), zomwe zidachitika kuyambira (malipiro, kuvomereza, kutsika), komanso ngati lamulo la khothi lilipo. Sonkhanitsani zikalata - osati kukumbukira - kotero madeti, ndalama, ndi maphwando sizingatsutse.

• Mtundu wa ngongole ndi chiyambi: ngongole, telecom/mphamvu, lendi, zachipatala, msonkho/zopindula, chindapusa.
• Maphwando omwe akukhudzidwa: wobwereketsa woyambirira, wopatsidwa, incassobureau/deurwaarder; makalata otumizidwa.
• Mgwirizano ndi kulipira: mgwirizano, mawu wamba, ma invoice, zikumbutso/aanmaningen.
• Madeti ofunika: tsiku loyenera (opeisbaar), malipiro omaliza, chivomerezo chilichonse cholembedwa.
• Kukhazikika kovomerezeka: zofuna zolembetsedwa kapena maimelo omwe amati akusokoneza.
• Khothi/Kukakamiza: dagvaarding, vonnis/grosse, dwangbevel, beslag, kukongoletsa malipiro.
• Zolemba za BKR: ma code olembetsa ndi masiku oyambira omangika ku ngongole.

Khwerero 2. Yang'anani nthawi zochepetsera (verjaring) pansi pa malamulo achi Dutch

Kuti muwone ngati "chikondi chatsopano, ngongole zakale: zoopsa zanu zamalamulo ndi ziti?" zikuphatikizapo chiwopsezo chenicheni cha malipiro, kuyesa verjaring poyamba. Muzochita zachi Dutch, chigamulo chimakhala choletsedwa nthawi pambuyo pa nthawi yovomerezeka yomwe imadalira malamulo komanso ngati udindo wa khoti ulipo. Wotchiyo nthawi zambiri imayamba pomwe pempho liyenera kulipidwa (opeisbaar). Ngati nthawiyo yatha popanda kusokonezedwa koyenera (stuiting), kukakamiza khothi sikuli pagome.

• Konzani maziko azamalamulo: mgwirizano, renti / mphamvu / telecom, cholakwika, chitetezo/nyumba yobwereketsa, kapena zonena zamalamulo a boma.
• Lembani tsiku loyambira: gwiritsani ntchito tsiku loyamba lomwe ndalama zonse zidayenera (opeisbaar) pa mgwirizano kapena invoice.
• Yang'anani mutu wa khothi: chigamulo kapena lamulo lovomerezeka limatsatira malamulo osiyana-ndi aatali.
• Akaunti yamadongosolo apadera: zodandaula zina (mwachitsanzo, misonkho/zopindulitsa kapena chindapusa) zimatsata malamulo awo.
• Werengani mosamala tsiku lomaliza: gwiritsani ntchito nthawi yoyenera yovomerezeka pa tsiku lanu loyambira ndikulemba zotsatira.
• Osalingalira: Tsimikizirani nthawi yeniyeni mulamulo lachi Dutch lomwe likugwira ntchito kapena pezani chitsimikiziro chalamulo musanadalire verjaring.

Gawo 3. Yang'anani zosokoneza (stuiting) zomwe zimakhazikitsanso wotchi

Mukapanga mapu a nthawi yochepetsera, fufuzani chochitika chilichonse chomwe chimakhazikitsanso wotchiyo. M'zochita zachi Dutch, sitepe yowoneka ngati yopanda vuto - monga kubweza kapena kulonjeza kuti mudzalipira - ingatsitsimutse chiwongola dzanja choletsedwa nthawi. Zochita za khothi zimaphwanyanso nthawi; ndi chiweruzo chomwe chilipo, malamulo osiyana ndi otalikirapo akugwiritsidwa ntchito. Apa ndipamene "chikondi chatsopano, ngongole zakale" zimathabe kuluma ngati madeti asinthidwa mwakachetechete.

• Malipiro a wobwereketsa: kusamutsa kulikonse, kuchotsera malipiro, kapena gawoli pansi pa ndondomeko yolipira.
• Chivomerezo cholembedwa: kalata yosainidwa kapena imelo yochokera kwa wobwereketsa (kapena wothandizira) kuvomera ngongoleyo kapena kufunsa nthawi yolipira popanda kukangana.
• Zochita ku khothi kapena kukakamiza: utumiki/kusunga mayitanidwe, chigamulo, kapena masitepe omwe atengedwa pamutu wovomerezeka.

Funsani wokhometsayo kuti atsimikizire kukhazikitsidwanso kulikonse ndi ziganizo kapena makope ovomereza; katundu ukhala nawo. Mpaka mutatsimikizira madeti, musamalipire "zabwino" kapena lembani "ndilipira," ndikuyankha popanda kuvomera kuti mupewe kupanga ma stuiting atsopano.

Khwerero 4. Dziwani momwe mungayang'anire katundu wanu paubwenzi ndi kuwonetseredwa

Musanasankhe kuti ndani amalipira chiyani, fotokozerani "chimango" chalamulo cha ubale wanu. Ku Netherlands, kukumana kwanu ndi ngongole zakale za mnzanu kumasintha momwe mumakhalira limodzi (kukhalira limodzi, kulembetsa mgwirizano, kapena ukwati), pamene udindowo unayamba, ndi zomwe mudagwirizana kale kapena pambuyo pake kudzera mwa notary. Kwa "chikondi chatsopano, ngongole zakale: zoopsa zanu zalamulo ndi zotani?", Chitetezo chanu choyamba ndikudziwa kuti ndi zinthu ziti zomwe zilidi zanu, zomwe zimagawidwa, komanso zomwe zikalata zimanena za ngongole.

• Tsimikizirani mbiri yanu ndi tsiku loyambira: kukhalira limodzi, kulembetsa mgwirizano, kapena ukwati; lembani tsiku lenileni loyambira.
• Pezani zolemba za notarial: mgwirizano usanakwatire/ubwenzi kapena kukhalira limodzi; zindikirani zigawo za katundu wosiyana, ndalama zapakhomo, ndi kugawidwa kwa ngongole.
• Mayina azinthu zamapu: yemwe ali ndi maakaunti aku banki, magalimoto, zinthu zamtengo wapatali, magawo abizinesi, ndi malo; kusiyana vs mgwirizano.
• Tsatani ndalama zopezera ndalama: sungani umboni wa mphatso, cholowa, ndi ndalama zomwe mumagwiritsa ntchito pogula zinthu zazikulu.
• Unikaninso zangongole pakati pa abwenzi: kuchuluka kwa zikalata ndi mawu kuti mupewe mikangano yamtsogolo kapena "zobisika" kuphatikizana.
• Onani zitsimikizo ndi zizindikiro zina: zindikirani zitsimikizo zaumwini, mizere yangongole yolumikizana, kapena malonjezo ogwirizana.
• Tetezani malo omwe ali pachiwopsezo chachikulu: lingaliraninso maakaunti ophatikizana ngati m'modzi akukumana ndi kukakamizidwa; zosiyana tsiku ndi tsiku ndi ndalama.

Chithunzichi chikuwonetsa kuti ndi zinthu ziti zomwe wotolera atha kuzipeza ndi zomwe zili zotetezedwa - ndipo zimakhazikitsa malamulo anyumba omwe mumayang'ananso.

Khwerero 5. Dziwani nthawi yomwe mungathe kukhala ndi ngongole zonse zapakhomo

"Chikondi chatsopano, ngongole zakale: zoopsa zanu zamalamulo ndi ziti?" nthawi zambiri amagwiritsa ntchito ndalama zatsiku ndi tsiku. Muzochita zachi Dutch, ndani amasaina - ndi chiyani - amafunikira. Ngongole zomwe zidalipo nthawi zambiri zimakhala zaumwini, koma ngongole imatha kufalikira kudzera m'makontrakitala ogwirizana, kusaina limodzi, kapena malamulo okhudza ndalama wamba zapakhomo kwa okwatirana ndi okwatirana nawo olembetsedwa. Anthu okhalira limodzi sakhala ndi ngongole zokha, komabe makonzedwe ogawana amatha kuwulula ndalama zolowa pamodzi.

• Kusainidwa pamodzi = ogwirizana: Rent, mphamvu, telecom, ngongole yakubanki, ndi ndalama za sitolo m'maina onse awiri zimagwirizanitsa nonse.
• Okwatirana/okwatirana olembetsa: Ndalama zapakhomo zomwe zimatengedwa ndi m'modzi zimathanso kumangirira mnzake; Ngongole zakunja kapena zamabizinesi nthawi zambiri sizitero.
• Anthu okhalira limodzi: Palibe mlandu wodziwikiratu - kuwonekera kumadza ngati mutasaina, kutsimikizira, kapena zinthu zanu zonse/zandalama.
• Maakaunti Ogwirizana: Obwereketsa a bwenzi limodzi atha kufikira ndalama zogawana; sungani zolemba zomveka bwino (ndipo ganizirani maakaunti osiyana).
• Ngongole zomwe zidalipo kale: Khalani aumwini pokhapokha mutalipira limodzi, kusayinira limodzi, kapena kulemba udindo wanu mwanjira ina.

Lembani amene wasaina zomwe tsopano-kenako samukira ku chitetezo cha katundu musanaphatikize mabanja.

Khwerero 6. Tetezani katundu wanu mukamasamukira pamodzi

Pamene "chikondi chatsopano, ngongole zakale: zoopsa zanu zalamulo ndi ziti?" limakhala funso lothandiza, chitetezo chimayamba bokosi loyamba lisanadutse pakhomo. Bailiffs amayang'ana komwe katundu akupezeka komanso omwe dzina lawo lili pamakontrakitala. Khalani ndi umwini momveka bwino, mayendedwe andalama osiyana, ndi zolemba zokonzeka kutsimikizira zomwe zili zanu.

• Sainani mgwirizano wokhalira limodzi: Gwiritsani ntchito chikalata cha notarial kutchula katundu wosiyana, ndondomeko ya mtengo wa pakhomo, ndi malamulo ogula ngati Gawa.
• Khalani osiyana kubanki: Sungani maakaunti anu; ngati mutsegula akaunti yolumikizana, musakhazikitse ndalama zowonjezera ndikuzigwiritsa ntchito pongogawana ndalama.
• Tsimikizirani umwini: Sungani ma invoice, umboni waku banki, ndi manambala achinsinsi; pangani zolemba zomwe zasainidwa ndi onse awiri.
• Samalani ndi mapangano ogwirizana: Ikani renti / mphamvu / telecom m'dzina limodzi ngati chiopsezo chili chachikulu; onjezani winayo ngati wogwiritsa ntchito, osati wobwereketsa.
• Pewani kusaina ndi kubweza ndalama zina: Osasintha ngongole yanu yakale kukhala ngongole yolumikizana.
• Osabisa katundu: Pewani kusamutsidwa kwachinyengo; pezani upangiri musanasamuke kapena kupereka mphatso zamtengo wapatali ngati pali chiopsezo chokakamiza.

Khwerero 7. Yankhani okhometsa ngongole popanda kubwezeretsanso ngongole zakale

Pamene "chikondi chatsopano, ngongole zakale: zoopsa zanu zalamulo ndi ziti?" imasanduka mafoni ndi maimelo, cholinga chanu ndi chosavuta: wongolera osakhazikitsanso wotchi. Chenjerani, koma malinga ndi zomwe mukufuna. Zisungeni zolembedwa, musalowerere, ndipo funsani umboni musanalipire, kulonjeza, kapena kuvomereza chilichonse chomwe mungachione ngati kuvomereza.

• Lembani izi: Auzeni kuti mudzalumikizana ndi imelo/makalata okha ndikuwafunsa kuti ayike fayiloyo pomwe mukutsimikizira.
• Umboni wotsutsana ndi kufuna: Funsani mgwirizano, ma invoice, umboni woperekedwa, ledja yolipira, ndi makope a zivomerezo zilizonse zomwe amaganiziridwa kapena zidziwitso za stuiting (ndi masiku ndi umboni wantchito).
• Pewani kuvomereza kapena kulipira ma tokeni: Gwiritsani ntchito "zonder erkenning van enige aansprakelijkheid" ndipo musapereke "zabwino" ndalama zomwe zikudikirira umboni.
• Tetezani deta yanu: Osagawana nawo zambiri zakubanki kapena kukhazikitsa zomwe SEPA zimafuna mpaka kutsimikizira kumalizidwe.
• Mfundo zotsatirira mbendera: Dziwani kuti mudzayesa incassokosten ndi chilembo chilichonse cha masiku 14 padera (masitepe otsatira).
• Lembani zonse: Sungani ma envulopu, maimelo, zipika zoimbira foni, ndi malisiti otumizira.
• Chotsani ziwopsezo: Ngati atchula za khoti, funsani nambala ya mlanduwo ndipo funsani malangizo musanayankhe pa zoyenera.

Ngati kulumikizana kusuntha kuchoka kwa otolera kupita ku deurwaarder, itengeni ngati yokakamiza ndikusunthira ku sitepe yotsatira nthawi yomweyo.

Khwerero 8. Yang'anani ndi osungitsa milandu (ma deurwaarders) ndikuchitapo kanthu

Deurwaarder akakulumikizani, simukuchitanso zosonkhanitsira wamba. Deurwaarders amakakamiza ndi mutu wovomerezeka (mwachitsanzo, chiweruzo). Choyamba, tsimikizirani. Funsani ID yawo, kopi ya mutuwo, komanso mtengo wathunthu/mawu ake. Ngati sangathe kuwonetsa mutu, chitengeni ngati chotolera bwino ndipo bwererani kumayendedwe oyamba. Ngati mutu ulipo, chitanipo tsiku lomwelo-kuchita mwachangu, mwabata zimachepetsa chiopsezo.

• Pemphani zikalata: mutu, umboni wa utumiki, kuwerengera kwa mkulu, chiwongoladzanja, ndi ndalama.
• Madeti amalingaliro: zindikirani zomwe mukufuna kulipira ndi masiku okonzekera; diarize nthawi yomweyo.
• Tetezani katundu wa anzanu: onetsani ma invoice/umboni wa umwini ndi zinthu zomwe mwasaina; funsani bailiff kuti alembe zosiyanitsidwa.
• Zofunikira ndi zochotsera: zofunikira zapakhomo zimatetezedwa; funsani bailiff kuti alemekeze kukhululukidwa mwalamulo.
• Ndalama ndi banki: kuyembekezera malipiro / kusungidwa kwa banki; yang'anani ndalama zomwe mumapeza zotetezedwa ndikulembera dongosolo loyenera.
• Lipirani bwino: palibe maulamuliro a SEPA; gwiritsani ntchito maumboni ndikupewa chilankhulo chomwe chimavomereza kuposa momwe chimafunikira.
• Zolakwika: munthu wolakwika, nthawi yofikira mutu usanachitike, kapena zolakwika zautumiki - funani kuwunikiranso mwachangu ndikupempha kuyimitsidwa.
• Kufikira kunyumba: kulowa mokakamizidwa kumafuna chilolezo chapadera; osalola mwachimbulimbuli - vomerezani zowerengera pakhomo ngati kuli kotheka.

Gawo 9. Tsimikizani mtengo wa incasso, makalata a masiku 14, ndi ufulu wa ogula

Musanapereke chindapusa cha "incasso", yesani ngati muli ndi ngongole. M'magulu a ogula a Chidatchi, ndalama zowonjezerera pamilandu zimangobwezedwa pambuyo pa chikumbutso chotsatira cha masiku 14 (veertiendagenbrief) ndipo ziyenera kuwerengedwa mowonekera. Apa ndipamene "chikondi chatsopano, ngongole zakale: zoopsa zanu zamalamulo ndi ziti?" kaŵirikaŵiri amachepera—makalata osayenera ndi ndalama zolipiritsa ndizofala.

• Funsani chidule cha zinthu: chiwongola dzanja, chiwongola dzanja (chokhala ndi masiku/mlingo), mtengo wa incasso, ndi VAT iliyonse ngati mizere yosiyana.
• Onani kalata ya masiku 14: ikuyenera kunena momveka bwino zomwe muyenera kulipira, ndikupatseni masiku athunthu a 14 kuti mulipire popanda mtengo, kuchenjeza kuti ndalama za incasso zimatsata pambuyo pa nthawiyo, ndikuyankhidwa moyenera ndikulemba deti.
• Palibe kalata, palibe mtengo: ngati veertiendagenbrief ikusowa kapena ilibe vuto, tsutsani mzere wa incasso ndipo perekani wamkulu yekha.
• Onani maziko amitengo: chindapusa cha incasso chimawerengeredwa pa principal-osati pa chiwongola dzanja, chindapusa choyambirira, kapena "mitengo" yam'mbuyomu.
• Mtengo umodzi wokha: kusinthanitsa otolera sikuyambitsanso kapena kusungitsa ndalama za incasso pangongole yomweyo.
• Zotsutsana kapena mwina zaletsedwa nthawi? Nenani mkangano wanu molemba ndikuwapempha kuti atolere mpaka atakhala ndi umboni wokwanira; osavomereza ngongole.
• Siyanitsani bwalo ndi bwalo lamilandu: ngati bailiff apereka chigamulo, malamulo okakamiza akugwira ntchito-musamalipire onsewo ndi incasso yaku khothi pamtengo womwewo.

Sungani makope a maenvulopu, maimelo, ndi zikalata zotumizira. Ngati wokhometsayo sangakonze zolakwika, onjezerani mkangano wanu wolembedwa ndikusunga mapepala.

Khwerero 10. Yang'anani kulembetsa kwa BKR ndikukonzekera kubwereka pamodzi

Musanatenge ngongole yobwereketsa, ndalama zagalimoto, kapenanso khadi la ngongole, fufuzani zomwe obwereketsa adzawona. Onjezani chiwongolero cha mnzanu aliyense wolembetsa ku Dutch ndikufananitsa chilichonse ndi fayilo yanu. Mwakuchita, obwereketsa amawunika onse omwe apempha; mbiri imodzi yolakwika imatha kuletsa kuchuluka kwake, kukweza mtengo, kapena kuletsa kuvomereza. Kwa "chikondi chatsopano, ngongole zakale: zoopsa zanu zalamulo ndi zotani?", Kulembetsa mwakachetechete kungakhale kochepetsetsa ngati kusonkhanitsa kogwira ntchito.

• Lembani cholowa chilichonse ku ngongole: zindikirani wobwereketsa, masiku, ndi momwe alili pano; tsutsani zolakwika zilizonse polemba ndi gulu lolembetsa.
• Sanjani zolinga zanu: yeretsani kapena khazikitsani zinthu zomwe zingatheke musanagwiritse ntchito limodzi.
• Konzani ntchito: Lingalirani zofunsira nokha za mnzanu wamphamvu ngati mfundo zilola, ndipo pewani ngongole yatsopano kapena kusaina mpaka mutapeza chilolezo.

Khwerero 11. Gwiritsani ntchito mapangano azamalamulo—ndi kupewa kusaina limodzi—kuti muteteze ngongole zomwe zinalipo kale.

Mapepala ndiye chishango chanu chabwino kwambiri. Zomwe zidalipo kale nthawi zambiri zimakhala zaumwini pokhapokha mutaziganizira. Kusunga "chikondi chatsopano, ngongole zakale: zoopsa zanu zamalamulo ndi ziti?" kuchokera pakukhala "ngongole yathu," ikani mizere yomveka bwino pa maudindo a katundu ndi malipiro ndi kukana chirichonse chomwe chimasintha munthu wakale udindo mu umodzi. Gwiritsani ntchito mapangano a notarial pakusintha kwanyengo, mgwirizano wolimba wakukhala limodzi, ndi zizolowezi zatsiku ndi tsiku zomwe zimalekanitsa katundu ndi ndalama. Koposa zonse, musasainire limodzi, kutsimikizira, kapena kubweza ngongole yakale.

• Gwiritsani ntchito notarial deed: khazikitsani katundu ndi ngongole yosiyana.
• Mgwirizano wa Cohabitation: fotokozani mtengo wogawana; kusaphatikiza mangawa olowa nawo pangongole zakale.
• Inventory ndi maumboni: tchulani omwe eni ake, ndi ma invoice ndi malipiro.
• Palibe kusaina kapena kutsimikizira: osalemba makhadi, ngongole, kapena zobwereketsa.
• Osapangananso ndalama limodzi: pewani kusandutsa zobweza zanu kukhala ngongole yolumikizana.
• Chepetsani maakaunti olowa: palibe overdraft; gwiritsani ntchito ndalama zomwe mumagawana pamwezi.
• Kalata yomveka bwino: tsimikizirani molemba kuti ngongole zakale zimakhala zaumwini.

Khwerero 12. Sankhani njira yothetsera ngongole zomwe mungathe kuchita

Ngati ndemanga yanu ikuwonetsa kuti zonenazo ndi zotheka, sankhani njira yomwe imateteza zolinga zanu zaubwenzi - nyumba, ndalama, ndi mtendere wamalingaliro - ndikuchepetsa ndalama. Khalani olembedwa kokha, sungani manambala molondola, ndipo perekani chilolezo chilichonse motsatira mawu olembedwa. "Chikondi chatsopano, ngongole zakale: zoopsa zanu zamalamulo ndi ziti?" zimatheka kutheka mukamayang'anira mayendedwe, umboni, ndi njira zolipirira.

• Limbitsani bwino: Funsani buku lakale; kupanikizana kwapakati; perekani zomwe zatsimikiziridwa.
• Sankhani zotsatira zanu kaye: Zolinga zangongole zofulumira zitha kulungamitsa kubweza; malire a cash-flow amathandizira dongosolo.
• Kambiranani dongosolo: Konzani ndondomeko yotsika mtengo yogwirizana ndi ndalama zanu; kutetezedwa kolembedwa kuyimitsidwa kwa kutsatiridwa ndi ndalama panthawi yotsatiridwa; pewani malamulo a SEPA.
• Cholinga chothetsa: Perekani ndalama zenizeni kuti mutseke "kwathunthu ndi komaliza"; amafuna chitsimikiziro cholembedwa cha zero zotsalira, palibe kugulitsanso, ndikusintha kwa BKR.
• Tetezani banja: Sungani malipiro kuchokera ku akaunti yanu; musapangenso ndalama limodzi kapena kusaina limodzi kuti muthetse ngongole yanu.
• Sungani zowonjezera: Khazikitsani mgwirizano uliwonse pakukonza zolakwika za incasso ndi kuwerengera mtengo kogwirizana.
• Lembani zonse: Pezani mawu osayinidwa, maumboni olipira, ndi kalata yotseka/yotulutsa; archive kuti adzalembetsenso ngongole yanyumba.

Khwerero 13. Ganizirani zangongole zodutsa malire ndi malamulo a EU

Ngongole zakale zimakhala zovuta kwambiri pamene malire akukhudzidwa. Wokhometsa wachi Dutch atha kuthamangitsa zomwe zidachitika kunja, kapena kampani yakunja ingalembere ku adilesi yanu yaku Dutch. Kwa "chikondi chatsopano, ngongole zakale: zoopsa zanu mwalamulo ndi zotani?", gawani vuto: choyamba, kodi zonenazo ndizovomerezeka pansi pa malamulo ogwiritsidwa ntchito (kuphatikiza malire)? Chachiwiri, kodi zitha kukakamizidwa ku Netherlands?

• Tsitsani lamulo ndi forum: Pezani mgwirizano ndi chilichonse Ulamuliro/chigamulo chosankha; zindikirani ngati ndinu ogula.
• Funsani za mutu wa khothi: Palibe mutu = zosonkhanitsira wamba. Mutu = pemphani kopi yovomerezeka, umboni wa ntchito, ndi kumasulira kwa Chidatchi/Chingerezi.
• Kuzindikira/kukakamiza: Fotokozani ngati kuzindikirika ku Netherlands kuli kofunika pamaso pa deurwaarder kuchitapo kanthu; afunseni kuti atenga chiyani?
• Dziwani nthawi: Malipiro kapena kuvomereza kunja kungakhudze malire; pewani kuvomera mlandu poyembekezera umboni.
• Non-EU angle: Zigamulo zakunja (zosakhala za EU) nthawi zambiri zimafunikira kuwala kobiriwira kwa khothi la Dutch musanakakamize - funsani dongosolo lawo ndi nthawi yake.
• Tetezani ndalama: Sungani mauthenga olembedwa, pewani kulamula kwa SEPA, ndipo tsimikizirani zambiri za omwe amalipidwa mosamala.

Khwerero 14. Dziwani nthawi yoti mukhale ndi loya wachi Dutch

Ngati simukutsimikiza kulipira, kuyankha, kapena kudikirira, kufunsana kwakanthawi kumatha kupulumutsa masauzande ambiri ndikuletsa zolakwika (monga kuvomereza chigamulo choletsedwa). Woyimira ngongole waku Dutch komanso loya wazinthu zabanja amatha kukakamiza-kuyesa verjaring/stuiting, kuletsa kukakamiza kosaloledwa, kupanga zokambirana zotetezeka, komanso katundu wapakhomo.

• Munalandira zikalata zaku khothi: kusokoneza, kuweruza, kapena kopi yakupha.
• Kukonzekera kukubwera: beslag kapena loonbeslag imalengezedwa kapena kuyambika.
• Kutanthauzira kumatsutsidwa: wokhometsa ngongoleyo akuti simungatsimikizire.
• Kupotoza malire: Zofuna zakunja kapena udindo womwe uyenera kutsatiridwa mu NL.
• Zolinga zazikulu: nyumba yogwirizana, magawo abizinesi, kapena ngongole yobwereketsa.
• Mikangano ya incasso ikupitilira: kalata yolakwika ya masiku 14 kapena ndalama zolipirira.
• Nkhani za Identity: munthu wolakwika, chinyengo, kapena mafayilo osakanikirana.
• Mufunika zolemba: kukhalira limodzi/chikalata chokwatira kapena kukwatiwa.

Phungu atha kutsimikizira kukakamizidwa, kuyitanitsa kuyimitsidwa, ndalama zopikisana / zophatikizira, ndikuyimirani pamasiku omaliza.

Zotsatira zotsatira

Ngongole zakale siziyenera kusokoneza mapulani atsopano. M'maola 48 otsatira, pangani fayilo yanu yowona, kuwerengera malire ndi mutu wabwino, ndikutsimikizirani "zosintha" zilizonse zomwe mukuganiza musanalembe kapena kulipira. Pitirizani kulankhulana molemba, pewani mawu ovomereza kuti ndinu olakwa, ndipo muzilekanitsa zandalama mpaka mutatsekereza katundu ndikufotokozera kuti ndani ayenera kuchita chiyani. Ngati deurwaarder akuwonekera kapena zikalata za khoti zifika, chitanipo kanthu tsiku lomwelo—masitepe ofulumira, olondola amateteza nyumba yanu, ndalama zanu, ndi zolinga zanu zaubwenzi.

Ngati chiwopsezo chakwera kwambiri kapena nthawi sizikudziwika, funsani mwachidule komanso molunjika. Woyimira ngongole waku Dutch komanso loya wazinthu zabanja amatha kutsimikizira kukakamiza, kutsutsa ndalama, kuyimitsa kaye, ndikukhazikitsa malo otetezeka. Kuti mupeze chithandizo chomveka bwino chogwirizana ndi momwe mulili, lankhulani ndi loya waku Dutch pa Law & More ndi kupita patsogolo ndi chidaliro.