نحن بجانبك خلال اللحظات المالية في الحياة

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Ayisyen </a> </li> </ul> </div> </div> <div class="block"> <section class="o-featured-content-module "> <div class="o-featured-content-module__text"> <h2 class="h3">مكتب الحماية المالية للمستهلكين (CFPB) رفيقك الداعم</h2> <p>نحن مكتب الحماية المالية للمستهلكين، وكالة حكومية أمريكية مكرسة للتأكد من أنك تعامل بشكل عادل من قِبل البنوك والمقرضين والمؤسسات المالية الأخرى.</p> </div> <div class="o-video-player o-video-player--youtube o-featured-content-module__visual" data-id="AoBAl88FW3A" data-src="https://www.youtube.com/embed/AoBAl88FW3A?enablejsapi=1&origin=https://www.consumerfinance.gov" data-custom-thumbnail> <div class="o-video-player__video-container u-show-on-video-playing"> <div class="o-video-player__video-actions-container"> <div class="o-video-player__video-actions"> <button class="a-btn o-video-player__close-btn" aria-label="Close video" aria-hidden="true" tabindex="-1"> <span>اغلاق</span> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg 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u-hidden">00:00</time> </div> </div> </section> </div> <div class="block"> <div class="o-full-width-text-group"> <div class="m-full-width-text"> <h3 id="" data-block-key="m2fr3">في هذه الصفحة</h3><ul><li data-block-key="6lesa"><a href="#moneytopics">موضوعات خاصة بالمال والمصطلحات الرئيسية</a></li><li data-block-key="5aqt0"><a href="#submitacomplaint">تقديم شكوى بخصوص منتج أو خدمة</a></li></ul><p data-block-key="6rt5o">سيتوفر المزيد من المصادر باللغة العربية قريباً.</p> </div> </div> </div> <div class="block"> <div> <p><h2 id="moneytopics" data-block-key="pz50v">موضوعات خاصة بالمال والمصطلحات الرئيسية</h2><h3 id="" data-block-key="q418r">تصفح حسب الموضوع المالي للعثور على إجابات على الأسئلة المالية الشائعة. وتعلّم الأساسيات، وافهم المصطلحات الأساسية، وابحث عن الطرق المتاحة لاتخاذ إجراء عندما تكون لديك مشكلة.<br/><br/></h3></p> <div class="o-expandable-group o-expandable-group--accordion"> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span 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class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="إخفاء"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <h5 id="" data-block-key="60z4y">الإرشادات</h5><p data-block-key="8ttc6">التسوق للحصول على قرض سيارة؟ تعرف على الأسئلة التي يجب طرحها وكيفية التحضير لها</p><p data-block-key="5a7lm"></p><p data-block-key="39mwb"></p><p data-block-key="4rln3"></p><p data-block-key="4lc3k"><a href="/language/ar/shopping-for-your-auto-loan/">التسوق للحصول على قرض سيارة لك</a></p><h5 id="" data-block-key="tmoww">المصطلحات الرئيسية</h5><p data-block-key="6pdjs">فهم المصطلحات الرئيسية المتعلقة بقروض السيارات باللغة العربية.</p><p data-block-key="33bh0"><a href="/language/ar/auto-loan-key-terms/">استكشف المصطلحات الرئيسية</a></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__icon"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--bank-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917m-2.526 3.104a.32.32 0 0 0-.317-.316h-.372v-.384a.32.32 0 0 0-.316-.316h-.55V7.214h.866a.396.396 0 0 0 .158-.76L8.658 4.416a.4.4 0 0 0-.315 0L3.64 6.454a.396.396 0 0 0 .158.76h.865v4.457h-.549a.32.32 0 0 0-.316.316v.384h-.372a.32.32 0 0 0-.317.316v.383h10.782zM5.455 7.954h1.502v3.717H5.455zm5.839-1.532H5.706L8.5 5.212zM7.749 7.954h1.502v3.717H7.75zm2.294 0h1.502v3.717h-1.502z"/></svg></span> <span class="o-expandable__label" > الحسابات المصرفية </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="عرض"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="إخفاء"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <h5 id="" data-block-key="xz5ry">الإرشادات</h5><p data-block-key="865ct">عند اختيار واستخدام حسابك المصرفي أو حساب الاتحاد الائتماني الخاص بك، من المهم معرفة خياراتك.</p><p data-block-key="drma7"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_checklist-for-opening-bank-credit-account_ar.pdf"><span class="a-link__text">القائمة المرجعية لفتح حساب مصرفي أو ائتماني</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></p><p data-block-key="2t2b1"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_selecting_financial_products_services_ar.pdf"><span class="a-link__text">اختيار†المنتجات†والخدمات†المالية</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></p><p data-block-key="9g0pc"></p><h5 id="" data-block-key="6n9lh">المصطلحات الرئيسية</h5><p data-block-key="1rj9e">فهم المصطلحات الرئيسية المتعلقة بالحسابات المصرفية باللغة العربية.</p><p data-block-key="5e07g"><a href="/language/ar/bank-accounts-key-terms/">استكشف المصطلحات الرئيسية</a><br/></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__icon"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--credit-card-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917M3.243 7.019v.72h10.572v-.72a.794.794 0 0 0-.791-.792H4.035a.794.794 0 0 0-.792.792m10.572 5.127V8.53H3.243v3.615a.794.794 0 0 0 .792.791h8.989a.794.794 0 0 0 .791-.791zm-5.52-1.525H4.843v.792h3.452z"/></svg></span> <span class="o-expandable__label" > بطاقات الائتمان </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="عرض"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="إخفاء"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <h5 id="" data-block-key="rnswv">الإرشادات</h5><p data-block-key="evatf">إليك بعض الموارد لمساعدتك على إدارة بطاقات ائتمانك.</p><p data-block-key="7ob8f"><a href="/language/ar/act-fast-if-you-cant-pay-your-credit-cards/">تصرف بسرعة إذا كنت لا تستطيع دفع بطاقات الائتمان الخاصة بك</a></p><h5 id="" data-block-key="2x1sg">المصطلحات الرئيسية</h5><p data-block-key="e0ih4">سواء كنت تتسوق للحصول على بطاقة ائتمان جديدة أو تدير بطاقة موجودة لديك بالفعل، من المفيد فهم المصطلحات الأساسية المتعلقة ببطاقات الائتمان.<br/> <a href="/language/ar/credit-card-key-terms/">استكشف المصطلحات الرئيسية</a></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__icon"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--credit-report-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917m-4.233-1.805H9.259a.32.32 0 0 1-.317-.317v-2.9H5.16a.32.32 0 0 0-.316.317v9.367a.32.32 0 0 0 .316.317h6.708a.32.32 0 0 0 .317-.317zm-4.195 5.557.034-.002a.4.4 0 0 0 .31-.196l2.294-3.974a.396.396 0 0 0-.686-.396l-2.01 3.483-.92-1.105a.396.396 0 1 0-.61.507l1.284 1.54a.4.4 0 0 0 .304.143m1.748-6.352h2.43l-2.43-2.416z"/></svg></span> <span class="o-expandable__label" > التقارير الائتمانية ودرجاتها </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="عرض"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="إخفاء"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <h5 id="" data-block-key="tglwg">الإرشادات</h5><p data-block-key="qast">تؤثر التقارير الائتمانية الخاصة بك والدرجات التي تحصل عليها على أحوالك المالية. فيمكن أن تساعدك مواردنا على فهمها بشكل أفضل، وتعلّم كيفية تصحيح الأخطاء، وتحسين سجلك الائتماني بمرور الوقت.</p><ul><li data-block-key="a9ff8"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_check-credit-report-once-a-year_handout_ar.pdf"><span class="a-link__text">راجع التقرير الائتماني الخاص بك مرة واحدة على الأقل في السنة</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="7q2ut"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_rebuild-your-credit-handout_ar.pdf"><span class="a-link__text">كيفية إعادة بناء التصنيف الائتماني الخاص بك</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="8j0la"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_understand-your-credit-report_handout_ar.pdf"><span class="a-link__text">فهم التقرير الائتماني الخاص بك</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="e4qac"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_understand-your-credit-score-handout_ar.pdf"><span class="a-link__text">فهم الدرجة الائتمانية الخاصة بك</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="d48cs"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_ECOA_ar.pdf"><span class="a-link__text">ممارسة†التمييز†في†مجال†الائتمان عمل†غير†قانوني</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li></ul><h5 id="" data-block-key="j4klw">المصطلحات الرئيسية</h5><p data-block-key="ek45">فهم المصطلحات الرئيسية المتعلقة بالتقارير الائتمانية ودرجاتها باللغة العربية.</p><p data-block-key="1m5ct"><a href="/language/ar/credit-reports-and-scores-key-terms/">استكشف المصطلحات الرئيسية</a></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__icon"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--debt-collection-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917m-13.099.331h2.775a2.2 2.2 0 0 1 .163-.632 2 2 0 0 1 .168-.32H3.318a.32.32 0 0 0-.316.316v.32a.32.32 0 0 0 .316.316m10.77-1.375a.32.32 0 0 0-.318-.317h-1.15A3.48 3.48 0 0 0 9.528 6.03H7.56a.32.32 0 0 0-.317.317v.404a.32.32 0 0 0 .316.316h.87l-.001.001h.779a.25.25 0 1 1 0 .502h-5.47a.32.32 0 0 0-.316.317v.32a.32.32 0 0 0 .316.317h3.047a2.246 2.246 0 1 1-.046 3.219H4.81a.32.32 0 0 0-.317.316v.32a.32.32 0 0 0 .317.317h6.394a1.95 1.95 0 0 0 1.8-.994h.765a.32.32 0 0 0 .317-.316zm-10.35 2.766h2.658a2 2 0 0 1-.14-.276 2.2 2.2 0 0 1-.167-.677H3.737a.32.32 0 0 0-.316.316v.32a.32.32 0 0 0 .316.317zM8.563 8.79v-.287a.238.238 0 0 0-.475 0v.28a1.2 1.2 0 0 0-.397.153.75.75 0 0 0-.376.637.74.74 0 0 0 .171.466.9.9 0 0 0 .291.234 1.1 1.1 0 0 0 .31.1 1.4 1.4 0 0 0 .242.02 1 1 0 0 1 .16.015.7.7 0 0 1 .164.06.5.5 0 0 1 .137.11.26.26 0 0 1 .063.165c0 .058-.016.135-.142.217a.77.77 0 0 1-.397.11 1 1 0 0 1-.17-.02 1 1 0 0 1-.161-.052.35.35 0 0 1-.131-.1.237.237 0 1 0-.36.31.8.8 0 0 0 .314.23 1.3 1.3 0 0 0 .256.08l.026.004v.287a.237.237 0 1 0 .475 0v-.29a1.2 1.2 0 0 0 .406-.16.72.72 0 0 0 .359-.616.73.73 0 0 0-.18-.479 1 1 0 0 0-.274-.217 1.2 1.2 0 0 0-.284-.103 1.3 1.3 0 0 0-.261-.027 1 1 0 0 1-.165-.013.6.6 0 0 1-.175-.056.4.4 0 0 1-.134-.108.28.28 0 0 1-.065-.167.28.28 0 0 1 .155-.235.76.76 0 0 1 .388-.105 1 1 0 0 1 .138.023l.016.004a1 1 0 0 1 .164.057.5.5 0 0 1 .137.094.237.237 0 1 0 .336-.336 1 1 0 0 0-.278-.19 1.3 1.3 0 0 0-.258-.09l-.016-.003z"/></svg></span> <span class="o-expandable__label" > تحصيل الديون </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="عرض"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="إخفاء"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <h5 id="" data-block-key="2uu0s">الإرشادات</h5><p data-block-key="f7f18">قد تشكل المسائل المتعلقة بتحصيل الديون تحدياً كبيراً، لكنك تتمتع بحقوق.</p><p data-block-key="am4c6"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_know_your_rights_when_debt_collector_calls_ar.pdf"><span class="a-link__text">اعرف†حقوقك†عندما†يتصل†بك محصلّ†الديون</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></p><h5 id="" data-block-key="345xz">المصطلحات الرئيسية</h5><p data-block-key="7frh">فهم المصطلحات الرئيسية المتعلقة بتحصيل الديون باللغة العربية.</p><p data-block-key="ficah"><a href="/language/ar/debt-collection-key-terms/">استكشف المصطلحات الرئيسية</a></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__icon"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--warning-round" viewBox="0 0 17 19"><path d="M16.406 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0M9.48 13.667a1.003 1.003 0 1 0-2.007 0 1.003 1.003 0 0 0 2.007 0M7.697 10.83a.792.792 0 0 0 1.583 0V4.562a.792.792 0 0 0-1.583 0z"/></svg></span> <span class="o-expandable__label" > الاحتيال والخداع </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="عرض"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="إخفاء"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <h5 id="" data-block-key="0pv17">المصطلحات الرئيسية</h5><p data-block-key="6u3k3">قد تكون خسارة الأموال أو الممتلكات بسبب الاحتيال والخداع مدمرة. فيمكن أن يساعدك فهم المصطلحات الرئيسية باللغة العربية على منع عمليات الخداع والاحتيال والتعرف عليها والإبلاغ عنها.</p><p data-block-key="fm4gq"><a href="/language/ar/fraud-key-terms/">استكشف المصطلحات الرئيسية</a></p><h5 id="" data-block-key="i5r9n">ماذا تفعل إذا كنت تعتقد أنك تعرضت لعملية خداع</h5><p data-block-key="67h49">إذا كنت تشك في وجود عملية خداع، فهناك بعض الخطوات المهمة التي يجب عليك اتخاذها على الفور.</p><ol><li data-block-key="92e0h">اتصل بالشرطة أو مكتب الشريف في منطقتك للإبلاغ عن عملية الخداع.</li><li data-block-key="8if0r">اتصل بالمحامي العام لولايتك. وقُم بزيارة الموقع الإلكتروني <a class="a-link" href="https://www.naag.org/find-my-ag/"><span class="a-link__text">National Association of Attorneys General</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> (الرابطة الوطنية للمحامين العامين) للحصول على معلومات الاتصال الخاصة بكل محامِ عام.</li><li data-block-key="fsu65">إذا كانت الضحية من الأشخاص الأكبر سنا أو شخصاً معاقاً، فاتصل بوكالة خدمات حماية البالغين المحلية. يمكنك العثور على وكالة الولاية أو الوكالة المحلية بمنطقتك التي تتلقى التقارير عن عمليات ااستغلال مالي لكبار السن المشتبه بها وتجري التحقيق فيها، وذلك باستخدام الأداة التالية <a class="a-link" href="https://eldercare.acl.gov/Public/Index.aspx"><span class="a-link__text">Eldercare Locator</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> )محدد موقع رعاية المسنيّن( عبر الإنترنت أو الاتصال هاتفيا على</li></ol><p data-block-key="91tep">الرقم 1116-677 (800).</p><ol><li data-block-key="9o2so">إذا كنت أنت أو أي شخص تهتم به ضحية لعملية احتيال أو خداع أو استغلال مالي، فيمكنك <a class="a-link" href="https://reportfraud.ftc.gov/#/"><span class="a-link__text">تقديم شكوى</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> إلى لجنة التجارة الفيدرالية .(Federal Trade Commission)</li></ol><p data-block-key="c9cm3"><br/>نظراً لاختلاف عمليات الخداع والاحتيال عن بعضها البعض، فقد تضطر إلى التواصل مع عدد من الوكالات المحلية والولائية والفيدرالية الأخرى حسب وضعك. ألق نظرة على هذا الدليل حول إدارة أموال شخص آخر للحصول على مزيد من المعلومات حول الاستغلال المالي وعمليات الخداع والاحتيال.</p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__icon"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--dollar-round" viewBox="0 0 17 19"><path d="M16.417 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-4.844 1.754a2.25 2.25 0 0 0-.556-1.477l-.001-.002a3 3 0 0 0-.835-.665l-.003-.002a3.5 3.5 0 0 0-.866-.313H9.31a3.8 3.8 0 0 0-.795-.083q-.253 0-.475-.037a1.8 1.8 0 0 1-.494-.158l-.002-.001a1.2 1.2 0 0 1-.371-.298L7.172 8.3a.73.73 0 0 1-.175-.44c0-.166.073-.41.421-.63.295-.186.71-.297 1.11-.297.088 0 .229.03.391.066l.049.01q.205.045.473.166c.14.063.275.156.381.261a.791.791 0 1 0 1.118-1.12 2.9 2.9 0 0 0-.85-.585 4 4 0 0 0-.785-.268h-.001l-.008-.002v-.786a.792.792 0 1 0-1.583 0v.763c-.415.09-.808.244-1.14.454-.736.465-1.159 1.182-1.159 1.967 0 .51.188 1.021.53 1.44.24.298.55.546.893.717.289.145.615.25.942.305.236.04.476.059.736.059a1.9 1.9 0 0 1 .926.215 1.4 1.4 0 0 1 .383.307c.105.12.165.28.165.436 0 .097 0 .324-.385.573a2.2 2.2 0 0 1-1.132.314c-.151 0-.4-.044-.494-.06a2.4 2.4 0 0 1-.459-.148h-.001a.95.95 0 0 1-.356-.274.792.792 0 1 0-1.197 1.037q.427.492.967.708c.218.087.476.185.774.237h.007v.783a.792.792 0 1 0 1.583 0v-.79a3.6 3.6 0 0 0 1.17-.479c.724-.47 1.107-1.127 1.107-1.9z"/></svg></span> <span class="o-expandable__label" > إدارة الأموال </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="عرض"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="إخفاء"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <h5 id="" data-block-key="kt5gp">الإرشادات</h5><p data-block-key="3gu40">لديك خيارات لإدارة ميزانيتك وحماية أموالك في حالة الطوارئ.</p><ul><li data-block-key="dj10c"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_ways-pay-bills_ar.pdf"><span class="a-link__text">طرق لسداد فواتيرك</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="54rln"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_ways-receive-money_ar.pdf"><span class="a-link__text">طرق لاستلام أموالك</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="5ic2c"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_your_disaster_checklist_ar.pdf"><span class="a-link__text">قائمتك المرجعية لحالات الكوارثت</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="7svqn"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_my_new_money_goal_ar.pdf"><span class="a-link__text">هدف†ي†المال†ي†الجديد</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a><br/></li></ul> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__icon"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--house-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917m-2.792-1.198a.396.396 0 0 0-.149-.54L8.661 5.104a.4.4 0 0 0-.393 0l-2.31 1.324v-.895a.32.32 0 0 0-.317-.317h-.968a.32.32 0 0 0-.317.317v1.813l-.872.5a.396.396 0 1 0 .393.686l4.589-2.629 4.619 2.63a.395.395 0 0 0 .54-.148m-1.02.786L8.467 6.815l-4.11 2.356v4.465a.32.32 0 0 0 .316.317h7.615a.32.32 0 0 0 .317-.317zm-6.647.607h1.647v1.668H5.958zm5.045 1.668H9.356V9.778h1.647z"/></svg></span> <span class="o-expandable__label" > الرهون العقارية </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="عرض"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="إخفاء"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <h5 id="" data-block-key="ymo5v">الإرشادات</h5><p data-block-key="1ajgd">سواء كنت تفكر في شراء منزل، أو كنت تواجه مشكلة في سداد أقساط رهنك العقاري، فنحن لدينا موارد لمساعدتك في كل خطوة على الطريق.</p><ul><li data-block-key="bhve7"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_ready-to-buy-a-home_handout_ar.pdf"><span class="a-link__text">هل أنت مستعد لشراء منزل؟</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="67f59"><a href="/language/ar/shopping-for-a-mortgage/">التسوّق من أجل البحث عن رهن عقاري</a></li><li data-block-key="elvuk"><a href="/language/ar/how-to-avoid-foreclosure/">كيفية تجنب الحجز على الرهن العقاري</a></li><li data-block-key="7npsk"><a href="/language/ar/prepare-your-money-situation-before-you-buy-a-home/">جهّز وضعك المالي قبل شراء منزل</a></li></ul><h5 id="" data-block-key="9tt4i">المصطلحات الرئيسية</h5><p data-block-key="1dkj9">فهم المصطلحات الرئيسية المتعلقة بالرهون العقارية باللغة العربية.</p><p data-block-key="28b1e"><a href="/language/ar/mortgages-key-terms/">استكشف المصطلحات الرئيسية</a></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__icon"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--money-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917m-2.307 2.53V7.069a.32.32 0 0 0-.317-.316H3.217a.32.32 0 0 0-.317.316v5.044a.32.32 0 0 0 .317.317h10.576a.32.32 0 0 0 .317-.317m-3.172-2.522a2.357 2.357 0 1 1-.185-.92 2.4 2.4 0 0 1 .185.92m-1.691 1.257a.74.74 0 0 0 .372-.638.75.75 0 0 0-.187-.496 1 1 0 0 0-.284-.226 1.2 1.2 0 0 0-.297-.107 1.3 1.3 0 0 0-.272-.029 1 1 0 0 1-.176-.013.7.7 0 0 1-.187-.06.45.45 0 0 1-.147-.118.28.28 0 0 1 .098-.443.7.7 0 0 1 .564-.087l.017.003a1 1 0 0 1 .176.062.5.5 0 0 1 .148.101.237.237 0 1 0 .336-.336 1 1 0 0 0-.289-.198 1.4 1.4 0 0 0-.27-.093l-.017-.003-.02-.005V7.85a.237.237 0 0 0-.474 0v.306a1.2 1.2 0 0 0-.424.162.78.78 0 0 0-.39.66.77.77 0 0 0 .177.483.9.9 0 0 0 .302.243 1.2 1.2 0 0 0 .322.104 1.5 1.5 0 0 0 .254.02 1 1 0 0 1 .171.018.7.7 0 0 1 .177.063.6.6 0 0 1 .148.119.28.28 0 0 1 .069.183.27.27 0 0 1-.156.24.8.8 0 0 1-.424.117 1 1 0 0 1-.183-.022 1 1 0 0 1-.172-.054.4.4 0 0 1-.142-.11.237.237 0 1 0-.36.312.85.85 0 0 0 .326.239 1.3 1.3 0 0 0 .266.081l.038.007v.313a.237.237 0 0 0 .475 0v-.316a1.3 1.3 0 0 0 .434-.17z"/></svg></span> <span class="o-expandable__label" > إرسال الأموال </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="عرض"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="إخفاء"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <p data-block-key="iigt0">إذا كنت ترسل أموالاً إلى بلد آخر، فلديك بوجه عام حماية فيدرالية.</p><p data-block-key="eip1j"><a href="/consumer-tools/sending-money/ar/">تعرف على ما يمكنك توقعه وما هي الحقوق التي تتمتع بها</a></p><p data-block-key="d5jm5"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_send-money-abroad_ar_0lLfqUv.pdf"><span class="a-link__text">ارسل†مالا†إلى†خارج†البلاد بمزيد†من†الثقة</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></p> </div> </div> </div> </div> </div> <div class="block"> <div class="o-full-width-text-group"> <div class="m-full-width-text"> <p data-block-key="m1f1q"></p><hr/><p data-block-key="3csk4"></p><h2 id="submitacomplaint" data-block-key="4iczs">تقديم شكوى بخصوص منتج أو خدمة مالية</h2><h3 id="" data-block-key="vocsx">نقوم في كل أسبوع بإرسال أكثر من 10000 شكوى حول المنتجات والخدمات المالية إلى الشركات للرد عليها. وإذا كانت هناك وكالة أخرى قادرة بشكل أفضل على المساعدة، فسوف نرسلها إليها ونخبرك بذلك. <b>إن معظم الشركات تردّ في غضون 15 يوماً.</b></h3> </div> </div> </div> <div class="block"> <section class="o-featured-content-module "> <div class="o-featured-content-module__text"> <h2 class="h3">هل تواجه مشكلة مع منتج أو خدمة مالية؟</h2> <p>تعرَّف على عملية إصدار الشكاوى بمكتب الحماية المالية للمستهلكين وطريقة تقديم شكوى إليه. توفر شكاوى المستهلكين واستجابات الشركات رؤى إلى مكتب CFPB</p> </div> <div class="o-video-player o-video-player--youtube o-featured-content-module__visual" data-id="IldQR2cdVlA" data-src="https://www.youtube.com/embed/IldQR2cdVlA?enablejsapi=1&origin=https://www.consumerfinance.gov" data-custom-thumbnail> <div class="o-video-player__video-container u-show-on-video-playing"> <div class="o-video-player__video-actions-container"> <div class="o-video-player__video-actions"> <button class="a-btn o-video-player__close-btn" aria-label="Close video" aria-hidden="true" tabindex="-1"> <span>اغلاق</span> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--error-round" viewBox="0 0 17 19"><path d="M16.417 9.583a7.916 7.916 0 1 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<p><h3 id="" data-block-key="g7f24">كيفية تقديم شكواك</h3><ul><li data-block-key="6a779"><a href="/complaint/">عبر الإنترنت</a> (باللغة الإنكليزية)</li><li data-block-key="5vj75">أو عن طريق الهاتف على <a href="tel:(855) 411-2372">(855) 411-2372</a> للمساعدة باللغة العربية و 180 لغة أخرى. ويتم الرد على المكالمات عادة في أقل من دقيقة واحدة. كما ستتم ترجمة شكواك إلى اللغة الإنكليزية وإرسالها إلى الشركة للرد عليها. عندما ترد الشركة، فإنها تفعل ذلك عادةً باللغة الإنكليزية، ولكن يمكنك الاتصال بنا لسماع الرد مترجماً.</li></ul><p data-block-key="7mgfp"></p><h3 id="" data-block-key="hsjql">بحث عن الإجابات قبل البدء في تقديم شكوى</h3></p> <div class="o-expandable-group "> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > ما هي المنتجات والخدمات التي يمكنني تقديم شكوى حيالها؟ </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="عرض"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="إخفاء"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <p data-block-key="5ozfp">نقبل حالياً الشكاوى المتعلقة بما يلي:</p><ul><li data-block-key="f4p9e">الحسابات الجارية وحسابات التوفير</li><li data-block-key="862df">بطاقات الائتمان</li><li data-block-key="3dljm">خدمات إصلاح السجل الائتماني</li><li data-block-key="15g5l">التقارير الائتمانية وتقارير المستهلكين الشخصية الأخرى</li><li data-block-key="83aad">تحصيل الديون</li><li data-block-key="bfr4m">تسوية الديون</li><li data-block-key="5e8ha">التحويلات المالية، والعملة الافتراضية، والخدمات المالية</li><li data-block-key="9d5hq">الرهون العقارية</li><li data-block-key="5di6v">قروض يوم صرف الراتب</li><li data-block-key="2p0hp">القروض الشخصية مثل قروض التقسيط وقروض الملكية</li><li data-block-key="cbslp">البطاقات مسبقة الدفع</li><li data-block-key="d6flm">القروض الطلابية</li><li data-block-key="feh4">قروض أو عقود إيجار السيارات</li></ul><p data-block-key="30n6r">إذا لم تر المنتج أو الخدمة التي ترغب في الشكوى منها مدرجة، <a class="a-link" href="https://www.usa.gov/complaints"><span class="a-link__text">فراجع الموقع الإلكتروني usa.gov</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> للعثور على أماكن أخرى لإرسال الشكاوى. يتضمن الموقع الإلكتروني طرقاً لتقديم الشكاوى حول شركات الهاتف والإنترنت والكابل التلفزيوني، فضلاً عن الشركات التي تبيع منتجات وخدمات أخرى والأكثر من ذلك.</p><p data-block-key="db2fp">إذا كنت تعتقد أنك وقعت ضحية لعملية خداع واحتيال، فهناك بعض <a class="" data-pretty-href="cfpb.gov/askcfpb/1777" href="/ask-cfpb/i-think-i-or-someone-i-know-was-the-victim-of-a-scam-or-financial-exploitation-who-can-i-contact-for-help-en-1777/">الخطوات الهامة التي يجب عليك اتخاذها على الفور</a>.<br/><br/></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > ما الخطوات التي يمكنني اتخاذها قبل تقديم شكوى؟ </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="عرض"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="إخفاء"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <p data-block-key="5ozfp">هل حاولت التواصل مع الشركة؟ يمكن للشركات عادة الإجابة على الأسئلة الفريدة بوضعك والأسئلة أكثر تحديداً للمنتجات والخدمات التي تقدمها.</p><p data-block-key="6dt7f">أو يمكنك استخدام خدمة <a href="/ask-cfpb/">البحث عن إجابات</a> (باللغة الإنكليزية) على الأسئلة المالية الأكثر تداولاً بين المستهلكين.<br/></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > ما المعلومات التي سأحتاج إلى توفيرها عند تقديم شكواي؟ </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="عرض"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="إخفاء"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <p data-block-key="5ozfp">قبل الاتصال، دوّن ما حدث كتابة:</p><ul><li data-block-key="303to">قُم بتضمين التواريخ والمبالغ والمراسلات الهامة التي جرت بينك وبين الشركة</li><li data-block-key="e6qts">قُم بتوفير معلومات الاتصال الكاملة للشركة. إذا لم نتمكن من إرسال الشكوى إلى تلك الشركة، فسوف نخبرك بما يمكنك القيام به بعد ذلك.</li></ul><p data-block-key="4vfrb">عبر الهاتف، ستحتاج إلى:</p><ul><li data-block-key="9ek84">إنشاء حساب باسمك وعنوان بريدك الإلكتروني ورقم هاتفك</li><li data-block-key="uh77">اختيار المنتج والموضوع الذي تشكو منه من قائمة</li><li data-block-key="a1fd6">إخبارنا بما إذا كنت حاولت إصلاح المشكلة من خلال الحل الذي قدمته الشركة</li><li data-block-key="1044d">إخبارنا بما إذا كنت حاولت إصلاح المشكلة مع الشركة</li><li data-block-key="289r7">تحديد الشركة موضوع الشكوى</li><li data-block-key="64ja2">تقديم عنوانك</li><li data-block-key="7gg32">الإقرار بأن المعلومات التي تقدمها صحيحة، وبأنك تدرك أن مكتب الحماية المالية للمستهلكين (CFPB) لا يمكن أن يتصرف كمحاميك أو محكمة قانونية أو مستشار مالي.</li></ul><p data-block-key="c6gm5"><br/>سيكون لديك أيضا الخيار - ولكنك غير ملزم به - لتوفير المعلومات عن حسابك وكذلك المعلومات الديموغرافية الخاصة بك.</p> </div> </div> <div class="o-expandable " id="cfpb" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > كيف يشارك مكتب الحماية المالية للمستهلكين (CFPB) بيانات شكواي؟ </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="عرض"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="إخفاء"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <ul><li data-block-key="5ozfp">سنشارك شكواك مع الشركة حتى تتمكن من مراجعة المشاكل التي وصفتها والرد عليها.</li><li data-block-key="3l6dr">إذا لم نتمكن من إرسال شكواك إلى الشركة للرد عليها، فسنرسلها إلى وكالة فيدرالية أخرى وسنخطرك بذلك.</li><li data-block-key="apu66">يتبع مكتب الحماية المالية للمستهلكين (CFPB) نهج الخصوصية أولاً عندما يتعلق الأمر بمعلوماتك الشخصية. لذلك، فإن معلوماتك متاحة فقط لبعض الوكالات المحلية والولائية والفيدرالية التي تشرف على قانون الشؤون المالية للمستهلك وتوقع اتفاقية سرية وأمن بيانات للوصول إليها.</li></ul> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > ماذا يحدث بعد تقديم شكوى؟ </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="عرض"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="إخفاء"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <p data-block-key="5ozfp">تمر شكواك عبر عدة خطوات تساعدك على الحصول على رد وتساعدنا في تحديد المشاكل الموجودة في السوق.</p><h5 id="" data-block-key="2j6z5">1. تم تقديم الشكوى</h5><p data-block-key="aqb6i">قمت أنت بتقديم شكوى، أو تقوم وكالة حكومية أخرى بإرسال شكواك إلينا. ستتلقى تحديثات عبر البريد الإلكتروني ويمكنك مراجعة ما تم بخصوص الشكوى.</p><h5 id="" data-block-key="8cyoz">2. المسار</h5><p data-block-key="5dvjs">سنرسل شكواك مباشرة إلى الشركة حتى تتمكن من مراجعة المشاكل المذكورة في شكواك. إذا وجدنا أن وكالة حكومية أخرى ستكون قادرة بشكل أفضل على تقديم المساعدة، فسنرسل شكواك إليها ونعلمك بذلك.</p><h5 id="" data-block-key="c8bnc">3. رد الشركة</h5><p data-block-key="shdd">ستتواصل الشركة معك عند الحاجة وسترد على المشاكل الواردة في شكواك. وعامة فإن الشركات تردّ في خلال 15 يوماً. في بعض الحالات، ستعلمك الشركة بأن ردها جارٍ وستقدم رداً نهائياً في غضون 60 يوماً.</p><h5 id="" data-block-key="ux3y8">4. تم نشر الشكوى</h5><p data-block-key="c866h">نقوم بنشر معلومات حول شكواك (بدون معلومات تحدد هويتك بشكل مباشر) في قاعدة بيانات شكاوى المستهلكين العامة الخاصة بنا. وبموافقتك، ننشر أيضاً وصفك لما حدث، بعد اتخاذ خطوات لحذف المعلومات الشخصية. <a href="/complaint/data-use/">تعلّم المزيد حول كيفية مشاركة بيانات الشكاوى</a>.</p><h5 id="" data-block-key="gagr1">5. مراجعة المستهلك</h5><p data-block-key="dddef">سنخبرك عندما ترد الشركة. ستتمكن من مراجعة رد الشركة وسيتوفر لديك 60 يوماً لتقديم ملاحظات حول رد الشركة.</p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > ماذا ينبغي أن أفعل إذا اعتقدت أنني تعرضت للاحتيال؟ </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="عرض"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="إخفاء"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <p data-block-key="blkfb">إذا كنت تشك في وجود عملية خداع واحتيال، فهناك بعض الخطوات المهمة التي يجب عليك اتخاذها على الفور.</p><ol><li data-block-key="9ifmg">اتصل بالشرطة أو مكتب الشريف بمنطقتك للإبلاغ عن الاحتيال.</li><li data-block-key="6jvps">اتصل بالمحامي العام لولايتك. قُم بزيارة الموقع الإلكتروني <a class="a-link" href="https://www.naag.org/find-my-ag/"><span class="a-link__text">National Association of Attorneys General</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> (الرابطة الوطنية للمحامين العامين) للحصول على معلومات الاتصال الخاصة بكل محامِ عام.</li><li data-block-key="japr">إذا كانت الضحية من الأشخاص الأكبر سنا أو شخصًا معاقًا، فاتصل بوكالة خدمات حماية البالغين المحلية. يمكنك العثور على وكالة الولاية أو الوكالة المحلية بمنطقتك التي تتلقى التقارير عن عمليات الاستغلال المالي لكبار السن المشتبه بها وتحقق فيها، وذلك باستخدام الأداة التالية <a class="a-link" href="https://eldercare.acl.gov/Public/Index.aspx"><span class="a-link__text">Eldercare Locator</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> )محدد موقع رعاية المسنيّن( الموجودة على الإنترنت أو الاتصال على الرقم 1116-677 (800).</li><li data-block-key="c9o5n">إذا كنت أنت أو أي شخص تهتم به ضحية لعملية احتيال أو خداع أو استغلال مالي، فيمكنك تقديم شكوى إلى لجنة التجارة الفيدرالية .(Federal Trade Commission)</li></ol><p data-block-key="ai78o">نظرًا لاختلاف جميع عمليات الاحتيال عن بعضها البعض، فقد تضطر إلى التواصل مع عدد من الوكالات المحلية والولائية والفيدرالية الأخرى حسب وضعك. ألق نظرة على هذا الدليل حول إدارة أموال شخص آخر للحصول على مزيد من المعلومات حول الاستغلال المالي وعمليات الاحتيال.<br/><br/></p> </div> </div> </div> </div> </div> <div class="block"> <div class="o-info-unit-group" id="" > <h3 id="">الشهادات</h3> <p data-block-key="ccop8">فيما يلي قصص حول كيفية مساعدة الأشخاص أمثالك بواسطة عملية تقديم الشكاوى التي يوفرها مكتب الحماية المالية للمستهلكين (CFPB). إن تحدثك عما حصل لك يعطينا بصيرة مهمة حول المشاكل التي تواجهها كمستهلك.</p> <div class="content-l"> <div class="content-l__col content-l__col-1"> <div class="m-info-unit m-info-unit--inline"> <img class="m-info-unit__image m-info-unit__image--square" src="https://files.consumerfinance.gov/f/images/Dani_300x300.original.original.jpg" alt=""><div class="m-info-unit__content"> <p data-block-key="pbn3o">"لا أستطيع حتى إخبارك بعدد المرات التي بكيت فيها بسبب أموري المالية. لقد اتصلت بمكتب الحماية المالية للمستهلكين (CFPB) لأنني كنت بالفعل في حاجة إلى شخص آخر بجانبي.فلا شيء مما كنت أفعله مع خدمة قروض الطلاب الخاصة هذه أحدث أي تغيير في الوضع، وكنت عالقاً في موقف شعرت فيه بفقدان الأمل. لذلك، بالنسبة لي، كان الأمر كله يتعلق بالعثور على شخص يمكنه بالفعل إحداث فارق ... في أي وقت أسمع فيه عن أشخاص يواجهون صعوبات في التعامل مع مشكلات أخرى، فأنا بالتأكيد أوجههم في اتجاه مكتب الحماية المالية للمستهلكين (CFPB)".</p><p data-block-key="3lf14"><b>– داني</b></p> </div> </div> </div> <div class="content-l__col content-l__col-1"> <div class="m-info-unit m-info-unit--inline"> <img class="m-info-unit__image m-info-unit__image--square" src="https://files.consumerfinance.gov/f/images/jorge_300x300_v3.original.original.jpg" alt=""><div class="m-info-unit__content"> <p data-block-key="pbn3o">لقد فقدت شقة بسبب الإفلاس الذي لا يزال يظهر في سجلي الائتماني. بعد عشر سنوات، عندما كان من المفترض أن يختفي الإفلاس، حاولت مرة أخرى الحصول على شقة أخرى، لكن قبل تقديم الطلب أردت التأكد من أنه قد اختفى من سجلي - ولكنه كان لا يزال موجوداً. لذا اتصلت بهم. وتواصلت معهم بالبريد الإلكتروني. لقد أجريت عدة مكالمات هاتفية ولم يهتموا بمعالجة المشكلة ... كنت أفكر في الاتصال بمكتب تحسين الأعمالBetter Business Bureau وأخبروني أنني ينبغي أن اتصل بمكتب الحماية المالية للمستهلكين (CFPB)، فقلت لنفسي، دعني أحاول، وقد اتصلت بهم، وفوجئت حقاً بسرعة معالجتهم للمشكلة. وفي غضون أسبوعين، تم الانتهاء من كل شيء، وتسلمت رسالة تقول أن الإفلاس قد محي من سجلي، وأن كل شيء قد تم حله من كلا الطرفين. يعجبني أن هناك وكالة حكومية على المستوى الفيدرالي مثل مكتب الحماية المالية للمستهلكين (CFPB) ستستجيب لنا نحن المستهلكين وتحمينا من السلوك التعسفي أحياناً الذي تتبعه المؤسسات المالية.</p><p data-block-key="320td"><b>– جورج</b></p> </div> </div> </div> </div> </div> </div> </div> <aside class="u-layout-grid__sidebar"> <div class="block block--flush-top"> <div class="o-email-signup"> <header class="m-slug-header"> <h2 class="m-slug-header__heading "> ابق على إطلاع </h2> </header> <p> <p data-block-key="e8asu">اشترك للحصول على معلومات لمساعدة المجتمعات متعددة اللغات</p> </p> <form class="o-form" id="o-form__email-signup_1" method="POST" action="/subscriptions/new/" enctype="application/x-www-form-urlencoded"> <div class="m-notification"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--information-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917M9.64 5.78a1.136 1.136 0 1 0-1.136 1.135A1.136 1.136 0 0 0 9.64 5.781zm-.344 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إلى الأشخاص الذين يتحدثون لغة أخرى بشكل أساسي، قد يكون من الصعب عليهم فهم هذه المنتجات والخدمات واستخدامها.</p> <ul class="m-list m-list--links"> <li class="m-list__item"> <a href="/language" class="a-link a-link--jump"> <span class="a-link__text">انظر الموارد المتوفرة لمساعدة المجتمعات متعددة اللغات والقادمين الجدد</span> </a> </li> </ul> </div> </div> <div class="block"> <div class="m-related-links"> <header class="m-slug-header"> <h2 class="m-slug-header__heading" id="-1"> خطة المساعدة اللغوية </h2> </header> <ul class="m-list m-list--links"> <li class="m-list__item"> <a class="a-link a-link--jump" href="https://files.consumerfinance.gov/f/documents/cfpb_language-access-plan_2023-11.pdf"> <span class="a-link__text">خطة المساعدة اللغوية لدى مكتب الحماية المالية للمستهلكين (CFPB)</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> </li> </ul> </div> </div> <div class="block"> <div class="m-related-links"> <header class="m-slug-header"> <h2 class="m-slug-header__heading" id="-2"> إخلاء المسؤولية القانونية </h2> </header> <p data-block-key="hgeeq">يوفر المحتوى الموجود في هذه الصفحة معلومات عامة حول المستهلك. وهي ليست مشورة قانونية أو إرشادات تنظيمية. يقوم مكتب الحماية المالية للمستهلكين (CFPB) بتحديث هذه المعلومات بشكل دوري. وقد تتضمن هذه المعلومات روابط أو مراجع إلى موارد أو محتوى لأطراف خارجية. ونحن لا نؤيد هذه الأطراف الخارجية ولا نضمن دقة معلوماتها. كما قد تتوفر موارد أخرى تلبي احتياجاتك.</p> </div> </div> </aside> </div> </main> <footer class="o-footer"> <div class="wrapper wrapper--match-content"> 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