Lub caij ntuj sov dhau los, Sandra Goodwin raug foob los ntawm Jefferson Capital Systems rau $ 5,562 hauv cov nuj nqis dhau sijhawm. Tab sis Goodwin yeej tsis tau hnov ​​​​txog lossis ua lag luam nrog lub tuam txhab.

Goodwin, ib tug qub neeg nyob hauv Madison uas tam sim no nyob hauv Stoughton hais tias "Cov ntaub ntawv hais tias kuv raug foob." "Kuv txhais tau tias, kuv ntshai."

Goodwin tau nrhiav kev qhia kev cai lij choj dawb los ntawm Stacia Conneely, tus kws lij choj ntawm Madison ceg ntawm lub tuam txhab kev cai lij choj Legal Action of Wisconsin. Conneely txiav txim siab Jefferson Capital tau yuav Goodwin cov nuj nqis - pib los ntawm chav kawm online nws tau kos npe rau tab sis tsis tau coj - los ntawm LifeWay Credit Union.

Goodwin cov nuj nqis yog ib feem me me ntawm kev lag luam ntau-billion-duas nuj nqis-yuav lag luam uas nyuam qhuav yeej txoj cai lij choj yeej hauv Wisconsin. Cov tuam txhab lag luam no yuav thiab muag txoj cai los sau cov nuj nqis, tab sis cov neeg siv khoom tawm tswv yim hais tias qhov tshwm sim yog qee zaum daim nqi uas cov neeg siv khoom yuav tsis lees paub txog tus nqi uas tsis tuaj yeem txheeb xyuas los ntawm lub tuam txhab uas lawv tsis tau hnov ​​​​dua.

Wisconsin cov neeg siv khoom tau foob ntau dua 2,000 qhov kev tsis txaus siab nyob rau plaub lub xyoos dhau los nrog lub Xeev Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag tawm tsam cov neeg sau cov nuj nqis, suav nrog cov tuam txhab qiv nyiaj, tshaj tawm cov lus tsis txaus siab tawm tsam cov neeg qiv nyiaj them nyiaj thiab cov qiv nyiaj qiv pib ua ke, Wisconsin Public Radio tsom xam pom . Ntau qhov kev tsis txaus siab no yog hais txog kev hem lossis lwm yam kev coj tus xov tooj tsis raug, thiab qee qhov yog hais txog kev sim sau cov nuj nqis los ntawm tus neeg tsis ncaj ncees.

Thaum tus neeg qiv nyiaj xws li lub tuam txhab credit card txiav txim siab nws tsis tuaj yeem sau tau, cov nuj nqis tuaj yeem raug muag rau pennies ntawm duas rau tus neeg thib peb cov nuj nqis. Tom qab ntawd, cov nuj nqis yuav sim sau los ntawm cov txheej txheem ib txwm muaj, xws li hu xov tooj, lossis lawv tuaj yeem foob kom them rov qab.

Raws li Tsoom Fwv Teb Chaws Trade Commission 2013 daim ntawv qhiaTxawm li cas los xij, 90 feem pua ​​​​lossis ntau dua ntawm cov neeg foob yeej tsis tshwm sim hauv tsev hais plaub, txawm tias lawv muaj kev tiv thaiv zoo, suav nrog cov nuj nqis qub dhau los ua raws cai.

Tsis zoo li feem ntau lub xeev, qee cov nuj nqis ntawm cov neeg siv khoom hauv Wisconsin raug tshem tawm tom qab rau xyoo. Hauv tebchaws, FTC pom tias me ntsis ntau dua 12 feem pua ​​​​ntawm cov nuj nqis uas tau yuav yog ntau dua rau xyoo, uas yuav ua rau nws dhau ntawm txoj cai txwv hauv Wisconsin.

Yog tias tus neeg raug foob tsis tuaj yeem tshwm sim rau lub tsev hais plaub, tus kws txiav txim plaub feem ntau tshaj tawm qhov kev txiav txim tsis raug cai, tso cai rau tus neeg qiv nyiaj tuaj yeem them cov nyiaj ua haujlwm thiab muab cov ntaub ntawv pov thawj ntawm vaj tse lossis lwm yam khoom ntiag tug, uas tuaj yeem ua rau cov neeg siv khoom tau txais txiaj ntsig ntau xyoo.

Cov koom haum suav nrog FTC, US Consumer Financial Protection Bureau, National Consumer Law Center thiab Human Rights Watch txhua tus tau thov kom muaj kev tswj hwm cov neeg yuav nuj nqis, tshwj xeeb tshaj yog hauv kev hais plaub ntug.

A daim nqi kos npe rau hauv tsab cai lij choj Lub Peb Hlis 1 los ntawm Gov. Scott Walker xa Wisconsin txoj kev tawm tsam, cov neeg tawm tswv yim hais tias. Txoj cai lij choj ua qauv tab sis qee kis txo qis npaum li cas cov pov thawj cov nuj nqis yuav tsum tuaj rau hauv tsev hais plaub thaum pib ntawm kev foob.

"Nws txav mus rau qhov tsis ncaj ncees lawm," said Stoughton tus kws lij choj cov neeg siv khoom Mary Fons, uas tau ua pov thawj tawm tsam daim nqi sau los ntawm xeev Rep. Mark Born, R-Beaver Dam.

Txoj cai lij choj yog raws li ib daim nqi yuav luag zoo ib yam los ntawm kev sib tham zaum kawg, kuj tau txhawb nqa los ntawm Born. Cov neeg sawv cev ntawm Wisconsin Creditors' Rights Association, uas tau thawb daim nqi, tsis teb rau cov lus thov los ntawm Wisconsin Public Radio.

Yug los kuj tsis kam hais. Hauv zaj lus tim khawv xyoo tas los, nws tau hais tias daim nqi yuav pab "ob tus tub lag luam thiab cov neeg qiv nyiaj txuag lub sijhawm thiab nyiaj txiag cuam tshuam nrog kev foob." Nws hais ntxiv tias qhov kev hloov pauv yuav ua rau "kev lag luam qiv nyiaj ua haujlwm tau zoo dua, uas muaj txiaj ntsig zoo rau peb txhua tus."

Yug lub tswv yim 2013 tau cim ib qho ntawm ob peb zaug lub Xeev Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag tau tawm tsam tsab cai lij choj thaum lub sijhawm Walker txoj haujlwm, hais tias Peter Bildsten, yav dhau los tus tuav ntaub ntawv ntawm Lub Xeev Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag.

"Kuv txhawj xeeb heev txog qhov tsis muaj kev tiv thaiv ntawm no hauv Wisconsin rau cov neeg qiv nyiaj zoo li ntawd," nws hais hauv kev xam phaj. "Lawv tsis muaj suab."

Conneely tau hais tias cov neeg siv khoom tuaj yeem tawm tsam cov kev ua no yog tias lawv tuaj yeem pom tias nws yog tus nqi tsis raug, raug them rau tus neeg tsis raug lossis twb tau txiav txim los ntawm kev lag luam. Coob tus neeg hauv nuj nqis, txawm li cas los xij, tsis tuaj yeem them tus kws lij choj, thiab "hmoov qee zaum nws yuav siv tus kws lij choj los txiav txim," Conneely tau hais.

Lub 'xov tooj game'

Conneely tau hais tias Goodwin qhov xwm txheej tsis yog qhov txawv. Cov nuj nqis tuaj yeem yuav thiab muag ntau dua ib zaug. Thaum ib tug neeg raug foob, tshuav nqi npaum li cas thiab tus twg nws tshuav yuav tsis paub.

cov FTC pom tias cov neeg yuav khoom feem ntau tau txais cov ntaub ntawv me me txog cov nuj nqis uas lawv yuav, feem ntau tau ntim rau hauv ib daim ntawv nrog ntau lwm cov nuj nqis. Thiab qhov tseeb ntawm cov ntaub ntawv tsis tau lav. Qhov tshwm sim uas cov ntaub ntawv tsis raug yuav loj hlob raws li cov nuj nqis muaj hnub nyoog.

"Nws zoo li kev ua si hauv xov tooj," Conneely hais. "Nws pib ntawm no, thiab thaum lub sijhawm nws los txog ... xyoo tom qab, leej twg paub koj yuav pom dab tsi thiab cov ntaub ntawv twg muaj nyob?"

Nws hais tias hauv Goodwin cov ntaub ntawv, Jefferson Capital tau yuav nws cov nuj nqis, uas yog los ntawm lub tsev kawm ntawv online hu ua The College Network.

Goodwin tau hais tias nws yeej tsis tau kawm online uas nws tau kos npe rau, thiab nws tau sim ua tsis tiav los tshem tawm nws. Txawm hais tias nws tau kos npe rau daim ntawv cog lus hauv xyoo 2011, Goodwin tau hais tias nws dig muag raug cai thaum lub sijhawm ntawd vim mob stroke thiab tsis paub tias nws kos npe rau dab tsi.

Lub tuam txhab kev cai lij choj sawv cev rau Jefferson Capital tsis tau xa rov qab cov lus nrhiav kev tawm tswv yim. Conneely tau hais tias nws tab tom ua haujlwm ntawm kev sib hais sab nraud.

Kev lag luam loj hlob

Kev lag luam cov nuj nqis tau tawm thaum lub sij hawm txuag nyiaj thiab qiv nyiaj thaum lub sij hawm 80s thiab thaum ntxov 90s, loj hlob loj nyob rau hauv thaum ntxov 2000s. Kev lag luam tau muaj kev cuam tshuam thaum lub sijhawm kev lag luam uas tau pib xyoo 2007 thaum cov nuj nqis tsim nyog tau nyob hauv khoom siv tsawg thiab kim dua.

Kev lag luam tseem vam meej dua: Cov neeg thib peb cov nuj nqis tau rov qab tau kwv yees li $ 55.2 nphom hauv xyoo 2013, khwv tau ze li $ 10.4 nphom hauv cov nqi thiab cov nqi, raws li 2014 Association of Credit thiab Collections Professionals daim ntawv qhia.

Los ntawm FTC qhov suav, tam sim no muaj "ntau pua, yog tias tsis yog txhiab" ntawm cov neeg yuav khoom. Txawm hais tias qee qhov me me, cov players loj yuav feem ntau cov nuj nqis. Xyoo 2008, 76.1 feem pua ​​​​ntawm tag nrho cov nuj nqis muag hauv Tebchaws Meskas tau yuav los ntawm cuaj lub tuam txhab loj. Cov neeg yuav khoom hauv xyoo 2009 tau them qhov nruab nrab ntawm 4 xees ntawm tus duas, thiab cov nuj nqis qub feem ntau pheej yig dua li cov nuj nqis tshiab.

Beth Steelman ntawm Clinton tau raug foob los ntawm ib tus ntawm cov neeg yuav khoom loj hauv lub caij ntuj sov dhau los. Nws thov kom lub tuam txhab tsis muab npe vim nws ntshai tsam raug foob dua.

Steelman tau hais tias nws paub txog qhov kev foob thaum nws raug hu los ntawm cov kws lij choj tiv thaiv kom nws ua lag luam. Nws hais tias nws yeej tsis raug cai ceeb toom txog kev foob. Cov ntaub ntawv hauv tsev hais plaub hauv online qhia tias tus neeg qiv nyiaj tau sim tab sis ua tsis tiav daim ntawv ceeb toom tias nws raug foob.

Thaum nws lees paub qhov ntawd, Steelman tau hais kom lub tuam txhab muab cov ntsiab lus hais txog cov nuj nqis, uas nyob nruab nrab ntawm $ 1,000 thiab $ 1,500. Nws muab rau tus lej kawg ntawm ib qho ntawm nws daim npav rho nyiaj qub.

"Yog tias kuv tau sim tawm tsam nws, kuv tuaj yeem hais tias kuv tawm tsam Goliath tiag tiag," nws hais.

Steelman tau them rau lub tuam txhab ob qhov nyiaj ntawm kwv yees li $ 289 txhua, thiab qhov kev foob raug poob. Nws tseem tau txais cov ntawv sau thiab tsis paub tseeb tias nws tseem tshuav cov tuam txhab nyiaj.

"Kuv ntshai heev tam sim no," Steelman hais, ntxiv tias nws tshawb xyuas cov ntaub ntawv hauv tsev hais plaub txhua lub lim tiam kom ntseeg tau tias nws tsis raug foob. Nws hu txoj cai tshiab " txaus ntshai" thiab "mob siab."

"Thiab qhov ntawd txhais tau tias tam sim no kuv yuav tau kuaj txhua hnub tsis yog txhua lub lis piam," nws hais.

'Kev pabcuam dej nyab'

Qee qhov xwm txheej, cov neeg tshuav nuj nqi tsis raug ceeb toom txog qhov kev foob, ua kom tsis muaj kev tshwm sim hauv tsev hais plaub thiab yeej rau tus neeg qiv nyiaj. Hauv qee qhov kev coj ua qee zaum hu ua "kev pabcuam kav dej phwj," tus neeg sau ntawv dag cov ntaub ntawv hais tias kev hu xovtooj tau txais thaum nws tsis yog, piv txwv li pov cov ntawv pov tseg hauv cov kav dej. Xyoo 2010, New York tus kws lij choj dav dav sued muab pov tseg txog 100,000 qhov kev txiav txim uas tau txais li no.

Raws li ib tug tshiab txoj kev tshawb no los ntawm Human Rights Watch, kev lag luam kev yuav nuj nqis yog "kev vam khom rau kev hais plaub," thiab cov kws txiav txim plaub feem ntau "rubber stamp" kev txiav txim siab uas tuaj yeem ua rau muaj qhov yuam kev thiab "cov paj laum loj heev."

"Muaj ntau qhov kev foob cov nuj nqis yuav nyob ntawm lub hauv paus ntawm cov ntaub ntawv muaj lus nug thiab pov thawj," Human Rights Watch pom. "Cov tswv lag luam nuj nqis tsis tas yuav tau txais cov pov thawj tseem ceeb hauv kev txhawb nqa lawv cov lus thov thaum lawv yuav cov nuj nqis, thiab qee zaum cov neeg muag khoom tsis kam lees lees tias ib qho ntawm cov ntaub ntawv uas lawv tau tshaj tawm yog qhov tseeb lossis txawm tias cov nuj nqis raug cai."

Wisconsin cov ntaub ntawv hauv tsev hais plaub hauv online qhia tau tias nyob nruab nrab ntawm 2003 txog Lub Peb Hlis 22 ntawm lub xyoo no, Jefferson Capital, lub tuam txhab uas foob Sandra Goodwin, tau foob 2,630 rooj plaub tawm tsam Wisconsin cov neeg siv khoom. Ze li ntawm 3,000 tus neeg raug foob los ntawm tus neeg yuav khoom nuj nqis Portfolio Recovery Associates txij li xyoo 1998. Lwm tus neeg tseem ceeb, Kev daws teeb meem tsis txaus ntseeg, tau foob 535 rooj plaub rau Wisconsin cov nuj nqis txij li xyoo 2014. Ntau pua kis tau foob los ntawm cov tuam txhab suav nrog Unifund, Transworld Systems thiab Midland Funding.

'Zombie nuj nqis'

Thaum cov nuj nqis mus txog ib lub hnub nyoog, lawv tuaj yeem suav tias tsis suav tau ntxiv lawm. Hauv Wisconsin, feem ntau nws yog rau xyoo. Wisconsin thiab Mississippi yog tib lub xeev uas qee cov nuj nqis raug tua tag nrho thaum lawv dhau los ntawm txoj cai txwv. Cov nuj nqis uas dhau los hnub ntawd tab sis cov neeg qiv nyiaj txuas ntxiv mus tau raug xa mus rau "zombie nuj nqis."

Hauv txoj kev xav, qhov tseeb tias cov nuj nqis tsis tau sau ntxiv yuav tsum yog kev tiv thaiv zoo hauv tsev hais plaub. Nws twb yog ib qho txhaum cai ntawm tsoom fwv Fair Debt Collection Practices Act los ua ib qho kev txiav txim hauv tsev hais plaub kom sau cov nuj nqis tas sij hawm. Txawm li cas los xij, National Consumer Law Center tau hais tias feem ntau cov neeg qiv nyiaj tsis paub txog txoj cai lij choj muaj thiab yuav tsis tuaj yeem tshwm sim hauv tsev hais plaub los tawm tsam nws. Lub chaw pom zoo rau tsoomfwv txwv tsis pub siv zog los sau cov nuj nqis zombie, suav nrog kev hu xov tooj lossis ntawv.

Fons tau lees paub tias qee zaum cov neeg qiv nyiaj tau txiav txim siab rau cov nuj nqis zombie "vim tias lawv (cov tuam txhab) tsis raug ntes ntau zaus."

Cov neeg siv khoom txhawj xeeb

Txij xyoo 2011 txog xyoo 2015, Wisconsin Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag tau txais 2,351 qhov kev tsis txaus siab txog cov neeg sau nqi, suav nrog cov neeg yuav khoom thib peb, Wisconsin Public Radio pom.

Hauv tsoomfwv qib siab, cov neeg siv khoom hauv Wisconsin tau foob ntau dua 1,100 qhov kev tsis txaus siab nrog Lub Tsev Haujlwm Saib Xyuas Kev Tiv Thaiv Nyiaj Txiag (Consumer Financial Protection Bureau) txij thaum Lub Xya Hli 2013 txog txhua yam ntawm cov neeg sau nqi. Americollect, lub koom haum sau npe Manitowoc uas siv cov lus hais tias "cov ntawv sau tsis zoo," yog lub tuam txhab tsis txaus siab tshaj plaws nrog 44 qhov tsis txaus siab. "Cov nuj nqis tau them" thiab "cov nuj nqis tsis yog kuv" yog cov laj thawj uas tau hais hauv cov lus tsis txaus siab.

Txawm hais tias muaj ntau qhov kev tsis txaus siab, FTC tau pom cov neeg siv khoom sib cav tsuas yog 3.2 feem pua ​​​​ntawm cov xwm txheej uas cov neeg yuav khoom tau sim sau. Pawg thawj coj tau sau tseg tias daim duab no "yuav ua rau pom cov teeb meem no."

Debate nyob ib ncig ntawm cov nuj nqis buyer txoj cai

Txoj cai tshiab uas tau kos npe los ntawm Walker tus qauv tab sis qee kis tau muab pov thawj xav tau thaum pib ntawm kev foob rau cov kev cai lij choj no raws li Wisconsin Consumer Act. Cov neeg qiv nyiaj thiab cov neeg thib peb cov nuj nqis tam sim no yuav tsum muab ib daim ntawv teev nqi raws li pov thawj thaum pib ntawm kev foob.

Raws li tus txheej txheem dhau los, lawv yuav tsum tau qhia tag nrho cov ntaub ntawv "kev ua pov thawj ntawm kev ua lag luam," uas tuaj yeem suav nrog thawj daim ntawv cog lus thiab cov ntaub ntawv ntawm cov nqi thiab cov nqi ntxiv lossis cov paj laum. Txoj cai lij choj kuj tau hloov pauv kom paub tseeb tias cov cai tshiab siv tau rau txhua tus neeg qiv nyiaj, suav nrog cov neeg thib peb cov nuj nqis.

Yug tau hais hauv ib xovxwm tso tawm Tom qab lub Rooj Sib Tham tau dhau nws daim nqi nyob rau lub Kaum Ib Hlis tias txoj cai "kaw lub qhov khoob uas tau siv los ntawm cov neeg ua phem phem kom tsis txhob them cov nuj nqis."

Kev sib hais plaub tuaj yeem ua rau cov neeg siv khoom txaus siab, Fons tau hais. "Peb tsis xav tau nws sai dua," nws hais. "Peb xav tau kev lav ris ntau dua, peb xav tau qhov tseeb dua."

University of Wisconsin-Madison tus kws tshaj lij nyiaj txiag Jim Johannes, uas tau ua pov thawj pom zoo rau daim nqi, hais tias nws ua qauv hauv tsev hais plaub txhais cov lus yuav tsum tau ua kom foob.

Nws tau hais tias "Nws muab rab diav rawg rau qhov koj xav tau los ua pov thawj thaum koj mus rau hauv tsev hais plaub hauv theem kev thov txim," nws hais. “Nws qhia meej meej rau cov tsev hais plaub. Yav dhau los, ua ntej no lub tsev hais plaub tuaj yeem txhais nws txhua yam lawv xav tau. "

Rau Stacia Conneely, qhov no tsis yog teeb meem. Nws tau hais tias "Qhov ntawd yog cov kws txiav txim plaub ntug, yog saib xyuas txoj cai lij choj thiab txiav txim siab seb lawv xav tias nws txhais li cas," nws hais.

Johannes tau hais tias nws ntseeg tias txoj cai tshiab yuav tiv thaiv cov neeg siv khoom thaum tiv thaiv tib neeg kom tsis txhob them lawv cov nuj nqis.

Nws tau hais tias "Kuv yog txhua tus neeg siv khoom," nws hais. "Tab sis kuv yuav tsis mus zaum ntawd thiab tso cai rau qee tus neeg mus ncig them nuj nqis vim lawv pom qhov tsis txaus ntseeg hauv txoj cai lij choj uas tam sim no tus kws txiav txim plaub tuaj yeem txhais qhov lawv xav tau ntawm lub sijhawm thov."

Conneely tawm tsam tias txoj cai tshiab tau tsim ntau hom kev tsis sib haum xeeb - ib qho uas muaj txiaj ntsig rau cov neeg qiv nyiaj. Tam sim no, daim ntawv teev nqi yuav tsum tau kos tau txhua lub sij hawm tus neeg qiv nyiaj xaiv. Nws yuav tsis suav nrog cov ntaub ntawv tseem ceeb ntawm tus account keeb kwm, nws hais.

"Yog li nws tsis muab lwm cov ntaub ntawv uas tib neeg yuav xav tau, xws li nws tau mus txog qhov nyiaj li cas, thiab feem ntau yog cov lus nug uas tib neeg muaj," Conneely tau hais.

Lub hauv paus ntawm kev tsis sib haum xeeb yog leej twg yog tus lav ris ua pov thawj tias qhov nuj nqis yog qhov tseeb thiab tuaj yeem sau tau raug cai - tus neeg siv khoom lossis tus neeg qiv nyiaj.

Hauv xyoo 2014, Georgia Maxwell, tom qab ntawd-tus pab cuam tus tuav ntaub ntawv ntawm Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag, tau ua pov thawj tawm tsam Born daim nqi.

"DFI yuav tsis txhawb txoj cai lij choj uas hloov pauv tsis raug rau cov neeg siv khoom lub luag haujlwm ntawm kev txiav txim siab qhov tseeb ntawm cov nuj nqis uas lawv yuav - lossis yuav tsis tshuav," Maxwell hais rau Pawg Neeg Saib Xyuas Kev Lag Luam ntawm Cov Nyiaj Txiag.

Hauv 2015, CFPB tau txiav txim tawm tsam ob lub teb chaws cov nuj nqis loj tshaj plaws yuav cov tuam txhab, Encore Capital Group thiab Portfolio Recovery Associates. Lub chaw haujlwm tau hais tias cov tuam txhab feem ntau tsis tau txheeb xyuas cov nuj nqis, sau cov nyiaj them los ntawm "txhawj cov neeg siv khoom nrog cov lus tsis tseeb" thiab tau "tawm tawm kev foob siv cov ntaub ntawv hauv tsev hais plaub robo-kos npe." Cov tuam txhab raug txiav txim kom them nyiaj rov qab thiab raug nplua tag nrho kaum tawm lab daus las thiab txwv tsis pub siv nyiaj ntxiv rau lwm $ 128 lab hauv cov nuj nqis.

Lwm lub xeev tau ua cov kauj ruam los kho qhov system. Xyoo 2013, Minnesota pib xav tau cov neeg qiv nyiaj los qhia cov pov thawj suav nrog cov ntsiab lus ntawm thawj daim ntawv cog lus thiab cov saw ntawm kev saib xyuas ntawm cov nuj nqis. New York kuj tau tshaj tawm cov cai nruj dua hauv xyoo 2014 los ntawm hloov lub tsev hais plaub txoj cai.

Conneely tab tom saib xyuas tus naj npawb ntawm cov kev txiav txim tau los ntawm cov neeg yuav nuj nqis txhua lub hlis tam sim no tias txoj cai tau hloov pauv. Nws cia siab tias yuav pom ntau ntxiv, ntxiv, "Peb tsuas yog tos saib muaj pes tsawg tus ntxiv."

Wisconsin Center for Investigative Journalism tsis muaj txiaj ntsig (www.WisconsinWatch.org) koom tes nrog Wisconsin Public Radio, Wisconsin Public TV, lwm yam xov xwm tshaj tawm thiab UW-Madison Tsev Kawm Ntawv ntawm Kev Sau Xov Xwm thiab Kev Sib Txuas Lus. Txhua yam haujlwm tsim, luam tawm, tshaj tawm lossis tshaj tawm los ntawm Lub Chaw tsis tas yuav cuam tshuam txog kev xav lossis kev xav ntawm UW-Madison lossis ib qho ntawm nws cov koom tes.

Kaw lub qhov rai X

Rov luam tawm tsab xov xwm no

Cov haujlwm no yog ntawv tso cai los ntawm a Cov Tswv Yim Muaj Peev Xwm Muaj Tshab-NoDeriv Txiaj Ntsig 4.0 International Daim Ntawv Tso Cai.

Scroll cia rau luam thiab muab cov cai ntawm peb tsab xov xwm rau hauv koj CMS. Cov lis dej num rau dluab, graphics thiab lwm yam embeddable ntsiab yuav tsis hloov raws nraim li lawv tshwm nyob rau hauv peb lub site. *** Tsis tas li ntawd, cov cai hauv qab no yuav TSIS luam cov duab tshwj xeeb ntawm nplooj ntawv. Zoo siab txais tos koj mus download tau lub ntsiab duab raws li ib tug nyias muaj nyias ib lub caij rau kev tshaj tawm nrog zaj dab neeg no. *** Zoo siab txais tos rau republish peb cov lus rau free siv cov cai hauv qab no.

• Yuav tsum muab credit, hauv hom ntawv no: “Los ntawm Dee J. Hall, Wisconsin Watch”
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Yog xav paub ntxiv txog kev tshaj tawm cov cai thov hu rau Coburn Dukehart, tus thawj coj koom tes, ntawm cdukehart@wisconsinwatch.org

Cov nuj nqis tsis txaus ntseeg tau txais kev so raws li Wisconsin txoj cai tshiab

los ntawm Bridgit Bowden / Wisconsin Public Radio, Wisconsin Watch
Plaub Hlis Ntuj 3, 2016

Cov nuj nqis tsis txaus ntseeg tau txais kev so raws li Wisconsin txoj cai tshiab los ntawm Bridgit Bowden / Wisconsin Public Radio, Wisconsin Watch Plaub Hlis 1, 1 Sidebar Wisconsin txoj cai tshiab tsis ua raws li tsoomfwv cov lus pom zoo Mloog Bridgit Bowden, tus kws tshawb fawb tshaj tawm xov xwm rau Wisconsin Public Radio thiab Wisconsin Center for Investigative Journalism, tshaj tawm txog cov xwm txheej tshiab hauv xeev txoj cai tswj hwm kev sau nuj nqis rau WPR . Lub caij ntuj sov dhau los, Sandra Goodwin raug foob los ntawm Jefferson Capital Systems rau $ 5,562 hauv cov nuj nqis dhau sijhawm. Tab sis Goodwin yeej tsis tau hnov ​​​​txog lossis ua lag luam nrog lub tuam txhab. Goodwin, ib tug qub neeg nyob hauv Madison uas tam sim no nyob hauv Stoughton hais tias "Cov ntaub ntawv hais tias kuv raug foob." "Kuv txhais tau tias, kuv ntshai." Goodwin tau nrhiav kev qhia kev cai lij choj dawb los ntawm Stacia Conneely, tus kws lij choj ntawm Madison ceg ntawm lub tuam txhab kev cai lij choj Legal Action of Wisconsin. Conneely txiav txim siab Jefferson Capital tau yuav Goodwin cov nuj nqis - pib los ntawm chav kawm online nws tau kos npe rau tab sis tsis tau coj - los ntawm LifeWay Credit Union. Goodwin cov nuj nqis yog ib feem me me ntawm kev lag luam ntau-billion-duas nuj nqis-yuav lag luam uas nyuam qhuav yeej txoj cai lij choj yeej hauv Wisconsin. Cov tuam txhab lag luam no yuav thiab muag txoj cai los sau cov nuj nqis, tab sis cov neeg siv khoom tawm tswv yim hais tias qhov tshwm sim yog qee zaum daim nqi uas cov neeg siv khoom yuav tsis lees paub txog tus nqi uas tsis tuaj yeem txheeb xyuas los ntawm lub tuam txhab uas lawv tsis tau hnov ​​​​dua. <img src="https://wisconsinwatch.org/wp-content/uploads/153568/2016/mary_fons_horizontal-03x2016.jpg" alt="Wisconsin consumer attorney Mary Fons testified against a bill authored by state Rep. Mark Born, R-Beaver Dam, uas ua qauv thiab qee qhov ua rau txo qis lub nra ntawm cov ntawv pov thawj rau cov tuam txhab qiv nyiaj yuav foob Wisconsin cov neeg siv khoom. " class="wp-image-153568" height="513" width="771" /> Wisconsin tus kws lij choj cov neeg siv khoom Mary Fons tau ua pov thawj tawm tsam daim nqi sau los ntawm lub xeev Rep. Mark Born, R-Beaver Dam, uas ua raws li tus qauv thiab qee qhov ua rau txo qis lub nra ntawm cov ntaub ntawv pov thawj rau cov tuam txhab qiv nyiaj yuav foob Wisconsin cov neeg siv khoom. Wisconsin cov neeg siv khoom tau foob ntau dua 2,000 qhov kev tsis txaus siab nyob rau plaub lub xyoos dhau los nrog lub Xeev Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag tawm tsam cov neeg sau cov nuj nqis, suav nrog cov tuam txhab qiv nyiaj, tshaj tawm cov lus tsis txaus siab tawm tsam cov neeg qiv nyiaj them nyiaj thiab cov qiv nyiaj qiv pib ua ke, Wisconsin Public Radio tsom xam pom . Ntau qhov kev tsis txaus siab no yog hais txog kev hem lossis lwm yam kev coj tus xov tooj tsis raug, thiab qee qhov yog hais txog kev sim sau cov nuj nqis los ntawm tus neeg tsis ncaj ncees. Thaum tus neeg qiv nyiaj xws li lub tuam txhab credit card txiav txim siab nws tsis tuaj yeem sau tau, cov nuj nqis tuaj yeem raug muag rau pennies ntawm duas rau tus neeg thib peb cov nuj nqis. Tom qab ntawd, cov nuj nqis yuav sim sau los ntawm cov txheej txheem ib txwm muaj, xws li hu xov tooj, lossis lawv tuaj yeem foob kom them rov qab. Raws li 2013 Tsoom Fwv Teb Chaws Trade Commission tsab ntawv ceeb toom , txawm li cas los xij, 90 feem pua ​​​​lossis ntau dua ntawm cov neeg foob yeej tsis tshwm sim hauv tsev hais plaub, txawm tias lawv muaj kev tiv thaiv zoo, suav nrog cov nuj nqis qub dhau los raug cai sau. Tsis zoo li feem ntau lub xeev, qee cov nuj nqis ntawm cov neeg siv khoom hauv Wisconsin raug tshem tawm tom qab rau xyoo. Hauv tebchaws, FTC pom tias me ntsis ntau dua 12 feem pua ​​​​ntawm cov nuj nqis uas tau yuav yog ntau dua rau xyoo, uas yuav ua rau nws dhau ntawm txoj cai txwv hauv Wisconsin. Yog tias tus neeg raug foob tsis tuaj yeem tshwm sim rau lub tsev hais plaub, tus kws txiav txim plaub feem ntau tshaj tawm qhov kev txiav txim tsis raug cai, tso cai rau tus neeg qiv nyiaj tuaj yeem them cov nyiaj ua haujlwm thiab muab cov ntaub ntawv pov thawj ntawm vaj tse lossis lwm yam khoom ntiag tug, uas tuaj yeem ua rau cov neeg siv khoom tau txais txiaj ntsig ntau xyoo. Cov koom haum suav nrog FTC, Asmeskas Consumer Financial Protection Bureau, National Consumer Law Center thiab Human Rights Watch txhua tus tau thov kom muaj kev tswj xyuas kom muaj zog ntawm cov neeg yuav cov nuj nqis, tshwj xeeb hauv kev hais plaub ntug. <img src="https://wisconsinwatch.org/wp-content/uploads/153566/2016/born_horizontal-03x2016.jpg" alt="Rep. Mark Born, qhia ntawm no hauv lub Cuaj Hlis 2015 daim duab no, tau sau txoj cai lij choj uas ua rau nws yooj yim dua rau cov neeg qiv nyiaj thiab cov neeg thib peb cov nuj nqis los nrhiav kev sau nyiaj tawm tsam Wisconsin cov neeg siv khoom hauv tsev hais plaub. Raws li tus txheej txheem dhau los, cov tuam txhab no yuav tsum tau qhia tag nrho cov ntaub ntawv "ua pov thawj ntawm kev ua lag luam," uas tuaj yeem suav nrog thawj daim ntawv cog lus thiab cov ntaub ntawv ntawm cov nqi them. Tam sim no lawv yuav tsum muab ib nqe lus them nqi ua pov thawj thaum pib ntawm kev foob. " class="wp-image-153566" height="521" width="771" /> Rep. Mark Born, qhia ntawm no hauv lub Cuaj Hlis 2015 daim duab no, tau sau txoj cai lij choj uas ua rau nws yooj yim dua rau cov neeg qiv nyiaj thiab cov neeg thib peb cov nuj nqis los nrhiav kev sau nyiaj tawm tsam Wisconsin cov neeg siv khoom hauv tsev hais plaub. Raws li tus txheej txheem dhau los, cov tuam txhab no yuav tsum tau qhia tag nrho cov ntaub ntawv "ua pov thawj ntawm kev ua lag luam," uas tuaj yeem suav nrog thawj daim ntawv cog lus thiab cov ntaub ntawv ntawm cov nqi them. Tam sim no lawv yuav tsum tau muab ib daim ntawv them nqi ua pov thawj thaum pib ntawm kev foob. Ib daim nqi kos npe rau hauv txoj cai lij choj Lub Peb Hlis 1 los ntawm Gov. Scott Walker xa Wisconsin txoj kev tawm tsam, cov neeg tawm tswv yim hais. Txoj cai lij choj ua qauv tab sis qee kis txo qis npaum li cas cov pov thawj cov nuj nqis yuav tsum tuaj rau hauv tsev hais plaub thaum pib ntawm kev foob. "Nws txav mus rau qhov tsis ncaj ncees lawm," said Stoughton tus kws lij choj cov neeg siv khoom Mary Fons, uas tau ua pov thawj tawm tsam daim nqi sau los ntawm xeev Rep. Mark Yug, R-Beaver Dam. Txoj cai lij choj yog raws li ib daim nqi yuav luag zoo ib yam los ntawm kev sib tham zaum kawg, kuj tau txhawb nqa los ntawm Born. Cov neeg sawv cev los ntawm Wisconsin Creditors' Rights Association, uas tau thawb daim nqi, tsis teb rau cov lus thov los ntawm Wisconsin Public Radio. Yug los kuj tsis kam hais. Hauv zaj lus tim khawv xyoo tas los, nws tau hais tias daim nqi yuav pab "ob tus tub lag luam thiab cov neeg qiv nyiaj txuag lub sijhawm thiab nyiaj txiag cuam tshuam nrog kev foob." Nws hais ntxiv tias qhov kev hloov pauv yuav ua rau "kev lag luam qiv nyiaj ua haujlwm tau zoo dua, uas muaj txiaj ntsig zoo rau peb txhua tus." Yug lub tswv yim 2013 tau cim ib qho ntawm ob peb zaug lub Xeev Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag tau tawm tsam tsab cai lij choj thaum lub sijhawm Walker txoj haujlwm, hais tias Peter Bildsten, yav dhau los tus tuav ntaub ntawv ntawm Lub Xeev Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag. "Kuv txhawj xeeb heev txog qhov tsis muaj kev tiv thaiv ntawm no hauv Wisconsin rau cov neeg qiv nyiaj zoo li ntawd," nws hais hauv kev xam phaj. "Lawv tsis muaj suab." Conneely tau hais tias cov neeg siv khoom tuaj yeem tawm tsam cov kev ua no yog tias lawv tuaj yeem pom tias nws yog tus nqi tsis raug, raug them rau tus neeg tsis raug lossis twb tau txiav txim los ntawm kev lag luam. Coob tus neeg hauv nuj nqis, txawm li cas los xij, tsis tuaj yeem them tus kws lij choj, thiab "hmoov qee zaum nws yuav siv tus kws lij choj los txiav txim," Conneely tau hais. Lub 'xov tooj game' Conneely tau hais tias Goodwin qhov xwm txheej tsis yog qhov txawv. Cov nuj nqis tuaj yeem yuav thiab muag ntau dua ib zaug. Thaum ib tug neeg raug foob, tshuav nqi npaum li cas thiab tus twg nws tshuav yuav tsis paub. FTC pom tias cov neeg yuav khoom feem ntau tau txais cov ntaub ntawv me me txog cov nuj nqis uas lawv yuav, feem ntau tau ntim rau hauv ib daim ntawv nrog ntau lwm cov nuj nqis. Thiab qhov tseeb ntawm cov ntaub ntawv tsis tau lav. Qhov tshwm sim uas cov ntaub ntawv tsis raug yuav loj hlob raws li cov nuj nqis muaj hnub nyoog. "Nws zoo li kev ua si hauv xov tooj," Conneely hais. "Nws pib ntawm no, thiab thaum lub sijhawm nws los txog ... xyoo tom qab, leej twg paub koj yuav pom dab tsi thiab cov ntaub ntawv twg muaj nyob?" Conneely tau hais tias cov neeg siv khoom tuaj yeem tawm tsam cov kev ua no yog tias lawv tuaj yeem pom tias nws yog qhov tsis raug, raug them rau tus neeg tsis ncaj ncees lossis twb tau txiav txim los ntawm kev lag luam. " class="wp-image-153570" height="504" width="771" /> Stacia Conneely, tus kws lij choj cov neeg ua haujlwm ntawm Legal Action of Wisconsin, muab cov lus qhia kev cai lij choj pub dawb rau cov neeg siv khoom sib ntaus sib tua los ntawm cov neeg sau nuj nqis. Conneely tau hais tias cov neeg siv khoom tuaj yeem tawm tsam cov kev ua no yog tias lawv tuaj yeem pom tias nws yog qhov tsis raug, raug them rau tus neeg tsis ncaj ncees lossis twb tau txiav txim los ntawm kev lag luam. Nws hais tias hauv Goodwin cov ntaub ntawv, Jefferson Capital tau yuav nws cov nuj nqis, uas yog los ntawm lub tsev kawm ntawv online hu ua The College Network. Goodwin tau hais tias nws yeej tsis tau kawm online uas nws tau kos npe rau, thiab nws tau sim ua tsis tiav los tshem tawm nws. Txawm hais tias nws tau kos npe rau daim ntawv cog lus hauv xyoo 2011, Goodwin tau hais tias nws qhov muag tsis pom kev raug cai thaum lub sijhawm ntawd vim mob stroke thiab tsis paub tias nws kos npe dab tsi. Lub tuam txhab kev cai lij choj sawv cev rau Jefferson Capital tsis tau xa rov qab cov lus nrhiav kev tawm tswv yim. Conneely tau hais tias nws tab tom ua haujlwm ntawm kev sib hais sab nraud. Kev lag luam loj hlob Kev lag luam cov nuj nqis tau tawm thaum lub sij hawm txuag nyiaj thiab qiv nyiaj thaum lub sij hawm 3s thiab thaum ntxov 3s, loj hlob loj nyob rau hauv thaum ntxov 80s. Kev lag luam tau muaj kev cuam tshuam thaum muaj kev lag luam poob qis uas pib xyoo 2007 thaum cov nuj nqis uas xav tau yog cov khoom siv qis thiab kim dua. Kev lag luam tseem vam meej dua: Tus neeg thib peb cov nuj nqis yuav rov qab tau kwv yees li $ 55.2 nphom hauv xyoo 2013, khwv tau ze li $ 10.4 nphom hauv cov nqi thiab cov nqi, raws li 2014 Association of Credit and Collections Professionals report . Los ntawm FTC qhov suav, tam sim no muaj "ntau pua, yog tias tsis yog txhiab" ntawm cov neeg yuav khoom. Txawm hais tias qee qhov me me, cov players loj yuav feem ntau cov nuj nqis. Xyoo 2008, 76.1 feem pua ​​​​ntawm tag nrho cov nuj nqis muag hauv Tebchaws Meskas tau yuav los ntawm cuaj lub tuam txhab loj. Cov neeg yuav khoom hauv xyoo 2009 tau them qhov nruab nrab ntawm 4 xees ntawm tus duas, thiab cov nuj nqis qub feem ntau pheej yig dua li cov nuj nqis tshiab. Beth Steelman ntawm Clinton tau raug foob los ntawm ib tus ntawm cov neeg yuav khoom loj hauv lub caij ntuj sov dhau los. Nws thov kom lub tuam txhab tsis muab npe vim nws ntshai tsam raug foob dua. Steelman tau hais tias nws paub txog qhov kev foob thaum nws raug hu los ntawm cov kws lij choj tiv thaiv kom nws ua lag luam. Nws hais tias nws yeej tsis raug cai ceeb toom txog kev foob. Cov ntaub ntawv hauv tsev hais plaub hauv online qhia tias tus neeg qiv nyiaj tau sim tab sis ua tsis tiav daim ntawv ceeb toom tias nws raug foob. Thaum nws lees paub qhov ntawd, Steelman tau hais kom lub tuam txhab muab cov ntsiab lus hais txog cov nuj nqis, uas nyob nruab nrab ntawm $ 1,000 thiab $ 1,500. Nws muab rau tus lej kawg ntawm ib qho ntawm nws daim npav rho nyiaj qub. "Yog tias kuv tau sim tawm tsam nws, kuv tuaj yeem hais tias kuv tawm tsam Goliath tiag tiag," nws hais. Steelman tau them rau lub tuam txhab ob qhov nyiaj ntawm kwv yees li $ 289 txhua qhov, thiab qhov kev foob raug tshem tawm. Nws tseem tau txais cov ntawv sau thiab tsis paub tseeb tias nws tseem tshuav cov tuam txhab nyiaj. "Kuv ntshai heev tam sim no," Steelman hais, ntxiv tias nws tshawb xyuas cov ntaub ntawv hauv tsev hais plaub txhua lub lim tiam kom ntseeg tau tias nws tsis raug foob. Nws hu txoj cai tshiab " txaus ntshai" thiab "mob siab." "Thiab qhov ntawd txhais tau tias tam sim no kuv yuav tau kuaj txhua hnub tsis yog txhua lub lis piam," nws hais. Qhov no ua kom tsis muaj kev tshwm sim hauv tsev hais plaub - thiab yeej rau tus neeg qiv nyiaj. " class="wp-image-153576" height="378" width="336" /> Hauv kev coj ua txhaum cai qee zaum hu ua "kev pabcuam dej phwj," tus neeg sau nqi tsis ua ntawv ceeb toom ntawm kev foob thiab tom qab ntawd muab cov ntaub ntawv cuav hais tias nws tau txais kev pabcuam, piv txwv tias muab cov ntaub ntawv pov tseg hauv cov kav dej. Qhov no ua kom tsis muaj kev tshwm sim hauv tsev hais plaub - thiab yeej rau tus neeg qiv nyiaj. 'Kev pabcuam dej nyab' Qee qhov xwm txheej, cov neeg tshuav nuj nqi tsis raug ceeb toom txog kev foob, ua kom tsis muaj kev tshwm sim hauv tsev hais plaub thiab yeej rau tus neeg qiv nyiaj. Hauv qee qhov kev coj ua qee zaum hu ua "kev pabcuam kav dej phwj," tus neeg sau ntawv dag cov ntaub ntawv hais tias kev hu xovtooj tau txais thaum nws tsis yog, piv txwv li pov cov ntawv pov tseg hauv cov kav dej. Xyoo 2010, New York tus kws lij choj tau foob kom pov tseg txog 100,000 qhov kev txiav txim uas tau txais los ntawm txoj kev no. Raws li kev tshawb fawb tshiab los ntawm Human Rights Watch, kev lag luam kev yuav nuj nqis yog "kev vam khom rau kev hais plaub," thiab cov kws txiav txim plaub feem ntau "rubber stamp" cov lus txiav txim uas tuaj yeem ua rau muaj qhov yuam kev thiab "cov paj laum loj heev." "Muaj ntau qhov kev foob cov nuj nqis yuav nyob ntawm lub hauv paus ntawm cov ntaub ntawv muaj lus nug thiab pov thawj," Human Rights Watch pom. "Cov tswv lag luam nuj nqis tsis tas yuav tau txais cov pov thawj tseem ceeb hauv kev txhawb nqa lawv cov lus thov thaum lawv yuav cov nuj nqis, thiab qee zaum cov neeg muag khoom tsis kam lees lees tias ib qho ntawm cov ntaub ntawv uas lawv tau tshaj tawm yog qhov tseeb lossis txawm tias cov nuj nqis raug cai." Wisconsin cov ntaub ntawv hauv tsev hais plaub hauv online qhia tau tias nyob nruab nrab ntawm 2003 txog Lub Peb Hlis 22 ntawm lub xyoo no, Jefferson Capital, lub tuam txhab uas foob Sandra Goodwin, tau foob 2,630 rooj plaub rau Wisconsin cov neeg siv khoom. Ze li ntawm 3,000 tus neeg raug foob los ntawm tus neeg yuav khoom ntawm cov nuj nqis Portfolio Recovery Associates txij li xyoo 1998. Lwm tus neeg tseem ceeb, Kev daws teeb meem tsis txaus ntseeg, tau foob 535 qhov teeb meem tawm tsam Wisconsin cov nuj nqis txij li xyoo 2014. Ntau pua kis tau raug foob los ntawm cov tuam txhab suav nrog Unifund, Transworld Systems thiab Midland Funding. class="wp-image-153571" height="366" width="336" /> Cov nuj nqis uas tsis raug cai sau tau lawm tab sis cov neeg qiv nyiaj txuas ntxiv mus nrhiav tau raug hu ua "zombie nuj nqis." Hauv Wisconsin, qee cov nuj nqis ntawm cov neeg siv khoom raug tua tom qab rau xyoo. 'Zombie nuj nqis' Thaum cov nuj nqis mus txog ib lub hnub nyoog, lawv tuaj yeem suav tias tsis suav tau ntxiv lawm. Hauv Wisconsin, feem ntau nws yog rau xyoo. Wisconsin thiab Mississippi yog tib lub xeev uas qee cov nuj nqis raug tua tag nrho thaum lawv dhau los ntawm txoj cai txwv. Cov nuj nqis uas dhau los hnub ntawd tab sis cov neeg qiv nyiaj txuas ntxiv mus nrhiav tau raug hu ua "zombie nuj nqis." Hauv txoj kev xav, qhov tseeb tias cov nuj nqis tsis tau sau ntxiv yuav tsum yog kev tiv thaiv zoo hauv tsev hais plaub. Nws twb yog ib qho txhaum cai ntawm tsoom fwv Fair Debt Collection Practices Act los ua ib qho kev txiav txim hauv tsev hais plaub kom sau cov nuj nqis tas sij hawm. Txawm li cas los xij, National Consumer Law Center tau hais tias feem ntau cov neeg qiv nyiaj tsis paub txog txoj cai lij choj muaj thiab yuav tsis tuaj yeem tshwm sim hauv tsev hais plaub los tawm tsam nws. Lub chaw pom zoo rau tsoomfwv txwv tsis pub siv zog los sau cov nuj nqis zombie, suav nrog kev hu xov tooj lossis ntawv. Fons tau lees paub tias qee zaum cov neeg qiv nyiaj tau txiav txim siab rau cov nuj nqis zombie "vim tias lawv (cov tuam txhab) tsis raug ntes ntau zaus." Cov neeg siv khoom txhawj xeeb Txij xyoo 3 txog xyoo 3, Wisconsin Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag tau txais 2011 qhov kev tsis txaus siab txog cov neeg sau nqi, suav nrog cov neeg yuav khoom thib peb, Wisconsin Public Radio pom. Hauv tsoomfwv qib siab, cov neeg siv khoom hauv Wisconsin tau foob ntau dua 1,100 qhov kev tsis txaus siab nrog Lub Tsev Haujlwm Saib Xyuas Kev Tiv Thaiv Nyiaj Txiag (Consumer Financial Protection Bureau) txij thaum Lub Xya Hli 2013 txog txhua yam ntawm cov neeg sau nqi. Americollect, lub koom haum sau npe Manitowoc uas siv cov lus hais tias "cov ntawv sau tsis zoo," yog lub tuam txhab tsis txaus siab tshaj plaws nrog 44 qhov tsis txaus siab. "Cov nuj nqis tau them" thiab "cov nuj nqis tsis yog kuv" yog cov laj thawj tshwm sim hauv cov lus tsis txaus siab. Txawm hais tias muaj ntau qhov kev tsis txaus siab, FTC tau pom cov neeg siv khoom sib cav tsuas yog 3.2 feem pua ​​​​ntawm cov xwm txheej uas cov neeg yuav khoom tau sim sau. Pawg thawj coj tau sau tseg tias daim duab no "yuav ua rau pom cov teeb meem no." Debate nyob ib ncig ntawm cov nuj nqis buyer txoj cai Txoj cai tshiab uas tau kos npe los ntawm Walker tus qauv tab sis qee kis tau muab pov thawj xav tau thaum pib ntawm kev foob rau cov kev cai lij choj no raws li Wisconsin Consumer Act. Cov neeg qiv nyiaj thiab cov neeg thib peb cov nuj nqis tam sim no yuav tsum muab ib daim ntawv teev nqi ua pov thawj thaum pib ntawm kev foob. Raws li tus txheej txheem dhau los, lawv yuav tsum tau qhia tag nrho cov ntaub ntawv "kev ua pov thawj ntawm kev ua lag luam," uas tuaj yeem suav nrog thawj daim ntawv cog lus thiab cov ntaub ntawv ntawm cov nqi thiab cov nqi ntxiv lossis cov paj laum. Txoj cai lij choj kuj tau hloov kho kom paub tseeb tias cov cai tshiab siv tau rau txhua tus neeg qiv nyiaj, suav nrog cov neeg thib peb cov nuj nqis. Yug tau hais hauv xov xwm tshaj tawm tom qab Lub Rooj Sib Tham tau dhau nws daim nqi rau lub Kaum Ib Hlis tias txoj cai "kaw ib qho tsis zoo uas tau siv los ntawm cov neeg ua phem phem kom tsis txhob them cov nuj nqis." Kev sib hais plaub tuaj yeem ua rau cov neeg siv khoom txaus siab, Fons tau hais. "Peb tsis xav tau nws sai dua," nws hais. "Peb xav tau kev lav ris ntau dua, peb xav tau qhov tseeb dua." class="wp-image-153590" height="500" width="771" /> University of Wisconsin-Madison tus kws tshaj lij nyiaj txiag Jim Johannes tau ua pov thawj hauv kev pom zoo ntawm daim nqi uas ua qauv qhia cov pov thawj dab tsi cov neeg yuav khoom yuav tsum tuaj rau hauv tsev hais plaub, hais tias nws kaw qhov "loophole" uas tso cai rau cov nuj nqis kom tsis txhob them lawv cov nuj nqis. University of Wisconsin-Madison tus kws tshaj lij nyiaj txiag Jim Johannes, uas tau ua pov thawj pom zoo rau daim nqi, hais tias nws ua qauv hauv tsev hais plaub txhais cov lus yuav tsum tau ua kom foob. Nws tau hais tias "Nws muab rab rawg rau qhov koj xav tau los ua pov thawj thaum koj mus rau hauv tsev hais plaub hauv qhov kev thov ntawm rooj plaub," nws hais. “Nws qhia meej meej rau cov tsev hais plaub. Yav dhau los, ua ntej no lub tsev hais plaub tuaj yeem txhais nws txhua yam lawv xav tau. " Rau Stacia Conneely, qhov no tsis yog teeb meem. Nws tau hais tias "Qhov ntawd yog cov kws txiav txim plaub ntug, yog saib xyuas txoj cai lij choj thiab txiav txim siab seb lawv xav tias nws txhais li cas," nws hais. Johannes tau hais tias nws ntseeg tias txoj cai tshiab yuav tiv thaiv cov neeg siv khoom thaum tiv thaiv tib neeg kom tsis txhob them lawv cov nuj nqis. Nws tau hais tias "Kuv yog txhua tus neeg siv khoom," nws hais. "Tab sis kuv yuav tsis mus zaum ntawd thiab tso cai rau qee tus neeg mus ncig them nuj nqis vim lawv pom qhov tsis txaus ntseeg hauv txoj cai lij choj uas tam sim no tus kws txiav txim plaub tuaj yeem txhais qhov lawv xav tau ntawm lub sijhawm thov." Conneely tawm tsam tias txoj cai tshiab tau tsim ntau hom kev tsis sib haum xeeb - ib qho uas muaj txiaj ntsig rau cov neeg qiv nyiaj. Tam sim no, daim ntawv teev nqi yuav tsum tau kos tau txhua lub sij hawm tus neeg qiv nyiaj xaiv. Nws yuav tsis suav nrog cov ntaub ntawv tseem ceeb ntawm tus account keeb kwm, nws hais. "Yog li nws tsis muab lwm cov ntaub ntawv uas tib neeg yuav xav tau, xws li nws tau mus txog qhov nyiaj li cas, thiab feem ntau yog cov lus nug uas tib neeg muaj," Conneely tau hais. Lub hauv paus ntawm kev tsis sib haum xeeb yog leej twg yog tus lav ris ua pov thawj tias qhov nuj nqis yog qhov tseeb thiab tuaj yeem sau tau raug cai - tus neeg siv khoom lossis tus neeg qiv nyiaj. Hauv xyoo 2014, Georgia Maxwell, tom qab ntawd-tus pab cuam tus tuav ntaub ntawv ntawm Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag, tau ua pov thawj tawm tsam Born daim nqi. "DFI yuav tsis txhawb txoj cai lij choj uas hloov pauv tsis raug rau cov neeg siv khoom lub luag haujlwm ntawm kev txiav txim siab qhov tseeb ntawm cov nuj nqis uas lawv yuav - lossis yuav tsis tshuav," Maxwell hais rau Pawg Neeg Saib Xyuas Kev Lag Luam ntawm Cov Nyiaj Txiag. Xyoo 2015, CFPB tau nqis tes tawm tsam ob lub teb chaws cov nuj nqis loj tshaj plaws yuav cov tuam txhab, Encore Capital Group thiab Portfolio Recovery Associates. Lub chaw haujlwm tau hais tias cov tuam txhab feem ntau tsis tau txheeb xyuas cov nuj nqis, sau cov nyiaj them los ntawm "txhawj cov neeg siv khoom nrog cov lus tsis tseeb" thiab tau "tawm tawm kev foob siv cov ntaub ntawv hauv tsev hais plaub robo-kos npe." Cov tuam txhab raug txiav txim kom them nyiaj rov qab thiab raug nplua tag nrho kaum tawm lab daus las thiab txwv tsis pub siv nyiaj ntxiv rau lwm $ 128 lab hauv cov nuj nqis. Lwm lub xeev tau ua cov kauj ruam los kho qhov system. Xyoo 2013, Minnesota tau pib xav kom cov neeg qiv nyiaj los qhia cov pov thawj suav nrog cov ntsiab lus ntawm daim ntawv cog lus qub thiab cov saw ntawm kev saib xyuas cov nuj nqis. New York kuj tau tshaj tawm cov cai nruj dua hauv xyoo 2014 los ntawm kev hloov cov cai hauv tsev hais plaub . Conneely tab tom saib xyuas tus naj npawb ntawm cov kev txiav txim tau los ntawm cov neeg yuav nuj nqis txhua lub hlis tam sim no tias txoj cai tau hloov pauv. Nws cia siab tias yuav pom ntau ntxiv, ntxiv, "Peb tsuas yog tos saib muaj pes tsawg tus ntxiv." Wisconsin Lub Chaw Haujlwm Saib Xyuas Kev Tshawb Fawb (www.WisconsinWatch.org) koom tes nrog Wisconsin Public Radio, Wisconsin Public TV, lwm yam xov xwm thiab UW-Madison Tsev Kawm Ntawv Kev Sau Xov Xwm thiab Kev Sib Txuas Lus. Luam rau ntawv los teev cia

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