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1.24 0 0 1-.61.186c-.45 0-.762-.36-.762-.978V4.112c0-.618.312-.977.763-.977a1.24 1.24 0 0 1 .609.186l8.822 5.086a.835.835 0 0 1 0 1.581"/></svg> </button> <img class="o-video-player__image o-video-player__image--thumbnail o-featured-content-module__img" alt="" src="https://files.consumerfinance.gov/f/images/cfpb_about-us-video-asl_thumb_tl.original.png"> <time class="o-video-player__duration 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="kxj4u">Sa pahinang ito:</h3><ul><li data-block-key="cagd6"><a href="#moneytopics">Mga paksa tungkol sa pera at mga pangunahing termino</a></li><li data-block-key="5ksii"><a href="#submitacomplaint">Magsumite ng reklamo tungkol sa produkto o serbisyo</a></li></ul><p data-block-key="8kqli">Malapit nang magkaroon ng marami pang mga sanggunian sa Tagalog.</p><p data-block-key="e8q2i"></p> </div> </div> </div> <div class="block"> <div> <p><h2 id="moneytopics" data-block-key="n8rro">Mga paksa tungkol sa pera at mga pangunahing termino</h2><h3 id="" data-block-key="zllri">Mag-browse nang ayon sa paksa tungkol sa pera para mahanap ang mga sagot sa mga karaniwang tinatanong hinggil sa pananalapi. Alamin ang mga pangunahing bagay, unawain ang mahahalagang termino, at maghanap ng mga paraan para umaksyon kung may problema ka.<br/><br/></h3></p> <div class="o-expandable-group "> <div class="o-expandable " id="mga-loan-para-sa-sasakyan" > <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--car-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-3.948-1.455-.758-1.955a.82.82 0 0 0-.726-.498H6.054a.82.82 0 0 0-.727.498L4.57 8.128a1.43 1.43 0 0 0-1.052 1.375v2.046a.32.32 0 0 0 .317.317h.496v1.147a.24.24 0 0 0 .238.237h.892a.24.24 0 0 0 .237-.237v-1.147h5.644v1.147a.24.24 0 0 0 .237.237h.892a.24.24 0 0 0 .238-.237v-1.147h.496a.32.32 0 0 0 .317-.317V9.503a1.43 1.43 0 0 0-1.052-1.375zm-7.445.582a.792.792 0 1 0 .792.792.79.79 0 0 0-.792-.792m5.96-2.402a.2.2 0 0 1 .137.094l.65 1.676H5.267l.65-1.676a.2.2 0 0 1 .136-.094zm1.04 2.402a.792.792 0 1 0 .792.792.79.79 0 0 0-.791-.792z"/></svg></span> <span class="o-expandable__label" > Mga loan para sa sasakyan </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="Ipakita"> <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="Ikubli"> <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="rowi3">MGA GABAY</h5><p data-block-key="98qre">Nagtitingin ng loan para sa sasakyan? Alamin kung ano ang itatanong at kung paano maghanda.</p><p data-block-key="ckjm1"></p><p data-block-key="4necg"><a href="/language/tl/shopping-for-your-auto-loan/">Pamimili para sa iyong utang sa auto</a></p><h5 id="" data-block-key="775d0">MGA PANGUNAHING TERMINO</h5><p data-block-key="3p90g">Unawain ang mga pangunahing terminong may kaugnayan sa mga loan para sa sasakyan sa Tagalog.</p><p data-block-key="3o7m1"><a href="/language/tl/auto-loan-key-terms/">Tuklasin ang mga pangunahing termino</a></p> </div> </div> <div class="o-expandable " id="mga-account-sa-bangko" > <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" > Mga account sa bangko </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="Ipakita"> <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="Ikubli"> <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="2c4my">MGA GABAY</h5><p data-block-key="dn67n">Kapag pumipili o ginagamit ang iyong account sa bangko o credit union, mahalagang malaman mo ang iyong mga opsyon.</p><p data-block-key="e7mhq"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_checklist-for-opening-bank-credit-account_tl.pdf"><span class="a-link__text">Checklist para sa pagbubukas ng account sa bangko o credit union</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="9hg7f"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_selecting_financial_products_services_tl.pdf"><span class="a-link__text">Pagpili sa mga pampana-nalaping produkto at service</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="8n9r1"></p><h5 id="" data-block-key="5t0ch"><br/>MGA PANGUNAHING TERMINO</h5><p data-block-key="314hl">Unawain ang mga pangunahing terminong may kaugnayan sa mga account sa bangko sa Tagalog.</p><p data-block-key="e15rt"><a href="/language/tl/bank-accounts-key-terms/">Tuklasin ang mga pangunahing termino</a><br/><br/></p> </div> </div> <div class="o-expandable " id="mga-credit-card" > <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" > Mga credit card </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="Ipakita"> <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="Ikubli"> <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="v3lsl">MGA GABAY</h5><p data-block-key="dskbd">Narito ang mga sangguniang makakatulong sa iyong mapamahalaan ang iyong mga credit card.</p><p data-block-key="9g1ae"><a href="/language/tl/act-fast-if-you-cant-pay-your-credit-cards/">Kumilos agad kung hindi mo kayang bayaran ang iyong mga credit card</a></p><h5 id="" data-block-key="hi6m7">MGA PANGUNAHING TERMINO</h5><p data-block-key="e1rd5">Nagtitingin ka man ng bagong card o pinangangasiwaan ang kung anong mayroon ka na, makakatulong na maunawaan ang mga pangunahing terminong may kaugnayan sa mga credit card.</p><p data-block-key="crpnj"><a href="/language/tl/credit-card-key-terms/">Tuklasin ang mga pangunahing termino</a><br/><br/></p> </div> </div> <div class="o-expandable " id="mga-credit-report-at-score" > <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" > Mga credit report at score </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="Ipakita"> <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="Ikubli"> <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="cflkj">MGA GABAY</h5><p data-block-key="3oi4d">May epekto sa iyong pananalapi ang iyong mga credit report at score. Ang aming mga sanggunian ay makakatulong sa iyong maunawaan ang mga ito nang mas mabuti, matutunan kung paano itama ang mga mali, at pagbutihin ang iyong credit record sa pagdaan ng panahon.</p><ul><li data-block-key="8hv0c"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_check-credit-report-once-a-year_handout_tl.pdf"><span class="a-link__text">Tingnan ang iyong credit report nang isang beses sa isang taon</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="cpl2s"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_rebuild-your-credit-handout_tl.pdf"><span class="a-link__text">Paano muling buuin ang iyong credit</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="30dg6"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_understand-your-credit-report_handout_tl.pdf"><span class="a-link__text">Unawain ang iyong credit report</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="f934e"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_understand-your-credit-score-handout_tl.pdf"><span class="a-link__text">Unawain ang iyong credit score</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="7j8la"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_ECOA_tl.pdf"><span class="a-link__text">Hindi legat ang credit discrimination</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="ec1cm"><br/>MGA PANGUNAHING TERMINO</h5><p data-block-key="7ac2b">Unawain ang mga pangunahing terminong may kaugnayan sa mga credit report at score sa Tagalog.</p><p data-block-key="fan2p"><a href="/language/tl/credit-reports-and-scores-key-terms/">Tuklasin ang mga pangunahing termino</a><br/><br/></p> </div> </div> <div class="o-expandable " id="pagkolekta-ng-utang" > <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" > Pagkolekta ng utang </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="Ipakita"> <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="Ikubli"> <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="213ji">MGA GABAY</h5><p data-block-key="f1oq1">Maaaring mapaghamon ang mga isyu sa pagkolekta ng utang, ngunit mayroon kang mga karapatan.</p><p data-block-key="6ea85"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_know_your_rights_when_debt_collector_calls_tl.pdf"><span class="a-link__text">Alamin ang iyong mga kaparatan kapag tatawag ang isang debt collector</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="rn47z">MGA PANGUNAHING TERMINO</h5><p data-block-key="9hkf6">Unawain ang mga pangunahing terminong may kaugnayan sa pagkolekta ng utang sa Tagalog.</p><p data-block-key="72t3a"><a href="/language/tl/debt-collection-key-terms/">Tuklasin ang mga pangunahing termino</a><br/><br/></p> </div> </div> <div class="o-expandable " id="mga-panloloko-at-scam" > <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" > Mga panloloko at scam </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="Ipakita"> <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="Ikubli"> <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="dlfsj">MGA PANGUNAHING TERMINO</h5><p data-block-key="et213">Ang pagkawala ng pera o ari-arian dahil sa panloloko at scan ay maaaring nakakasiphayo. Ang pag-unawa sa mga pangunahing termino sa Tagalog ay makakatulong sa iyong maiwasan, makilala, at maiulat ang mga scam at panloloko.</p><p data-block-key="48gsp"><a href="/language/tl/fraud-key-terms/">Tuklasin ang mga pangunahing termino</a></p><p data-block-key="4ddn5"></p><h5 id="" data-block-key="ebzwd">ANO ANG GAGAWIN KUNG SA TINGIN MO AY NA-SCAM KA</h5><p data-block-key="2nqdd">Kung may pinaghihinalaan kang scam, may ilang mahahalagang hakbang na dapat mong gawin agad.</p><ol><li data-block-key="17d6u">Kontakin ang iyong lokal na tanggapan ng pulisya o sheriff para iulat ang scam.</li><li data-block-key="bgh73">Kontakin ang iyong attorney general ng estado. Bisitahin ang website na National Association of Attorneys General (Pambansang Asosasyon ng mga Pangkalahatang Abogado) para sa impormasyon sa pakikipag-ugnayan ng bawat attorney general ng estado.</li><li data-block-key="3q50r">Kung ang biktima ay isang matanda o taong may kapansanan, kontakin ang iyong lokal na ahensyang pumuprotekta sa matatanda. Mahahanap mo ang iyong pang-estado o lokal na ahensyang tumatanggap at nag-iimbestiga ng mga ulat ng pinaghihinalaang pagsasamantala sa pananalapi ng nakakatanda sa pamamagitan ng paggamit ng online na <a href="tel:https://eldercare.acl.gov/Public/Index.aspx">Eldercare Locator (Tagahanap ng Taga-alaga ng Nakakatanda)</a> o pagtawag sa <a href="tel:(800) 677-1116">(800) 677-1116</a>.</li><li data-block-key="1292q">Kung ikaw o ang isang taong inaalala mo ay biktima ng panloloko, scam o pagsasamantala sa pananalapi, maaari kang <a class="a-link" href="https://reportfraud.ftc.gov/#/"><span class="a-link__text">magsumite ng reklamo</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> sa Pederal na Komisyon sa Kalakal (Federal Trade Commission).<br/></li></ol><p data-block-key="c2i6d">Dahil magkakaiba ang lahat ng scam, maaaring kailanganin mong makipag-ugnayan sa ilan sa iba pang lokal, pang-estado, at pederal na ahensya depende sa iyong sitwasyon. Tingnan ang gabay na ito tungkol sa pamamahala sa pera ng isang tao para sa karagdagang impormasyon tungkol sa pagsasamantala sa pananalapi at mga scam.<br/><br/></p> </div> </div> <div class="o-expandable " id="pamamahala-ng-pera" > <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" > Pamamahala ng pera </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="Ipakita"> <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="Ikubli"> <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="2en2a">MGA GABAY</h5><p data-block-key="17ksh">Mayroon kang mga opsyon para sa pamamahala ng iyong badyet at pagprotekta sa iyong pananalapi kung sakaling may emerhensya.</p><ul><li data-block-key="d7idp"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_ways-pay-bills_tl.pdf"><span class="a-link__text">Mga paraan para bayaran ang iyong mga bayarin</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="ems04"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_ways-receive-money_tl.pdf"><span class="a-link__text">Mga paraan para matanggap ang iyong pera</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="2oo2b"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_your_disaster_checklist_tl.pdf"><span class="a-link__text">Ang iyong listahan ng gagawin sa panahon ng sakuna</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="5trtv"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_my_new_money_goal_tl.pdf"><span class="a-link__text">Ang aking bagong layuning pinansyal</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/><br/></li></ul> </div> </div> <div class="o-expandable " id="mga-mortgage" > <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" > Mga mortgage </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="Ipakita"> <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="Ikubli"> <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="mga-gabay" data-block-key="6ohfo">MGA GABAY</h5><p data-block-key="it8j">Iniisip mo mang bumili ng bahay, o nahihirapang bayaran ang iyong mortgage, mayroon kaming mga sanggunian para matulungan ka sa bawat hakbang.</p><ul><li data-block-key="75ose"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_ready-to-buy-a-home_handout_tl.pdf"><span class="a-link__text">Handa nang bumili ng bahay</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="2db8f"><a href="/language/tl/shopping-for-a-mortgage/">Paghahanap ng tamang mortgage</a></li><li data-block-key="5qddi"><a href="/language/tl/how-to-avoid-foreclosure/">Paano maiiwasan ang foreclosure</a></li><li data-block-key="ca0p2"><a href="/language/tl/prepare-your-money-situation-before-you-buy-a-home/">Ihanda ang iyong sitwasyon sa pananalapi bago bumili ng bahay</a></li></ul><h5 id="mga-pangunahing-termino" data-block-key="reoxf"><br/>MGA PANGUNAHING TERMINO</h5><p data-block-key="9tp4r">Unawain ang mga pangunahing terminong may kaugnayan sa mga mortgage sa Tagalog.</p><p data-block-key="1t5mc"><a href="/language/tl/mortgages-key-terms/">Tuklasin ang mga pangunahing termino</a><br/><br/></p> </div> </div> <div class="o-expandable " id="pagpapadala-ng-pera" > <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" > Pagpapadala ng pera </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="Ipakita"> <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="Ikubli"> <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">Kung nagpapadala ka ng pera sa ibang bansa, karaniwang mayroon kang mga pederal na proteksyon.</p><p data-block-key="5eqbc"><a href="/consumer-tools/sending-money/tl/">Alamin kung ano ang aasahan at kung ano ang mga karapatang mayroon ka</a></p><p data-block-key="59u5v"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_send-money-abroad_tl_SW5XQQR.pdf"><span class="a-link__text">Magiging panatag ang loob tuwing nagpapadala ng pera</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/><br/></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="hlt2n"></p><hr/><p data-block-key="8m490"></p><h2 id="submitacomplaint" data-block-key="010s8">Magsumite ng reklamo tungkol sa produkto o serbisyong pampananalapi</h2><h3 id="" data-block-key="x9040">Sa bawat linggo, nagpapadala kami ng mahigit 10,000 reklamo tungkol sa mga pinansyal na produkto at serbisyo sa mga kumpanya para kanilang sagutin. Kung mas makakatulong ang ibang ahensya, ipapadala namin ito sa kanila at ipapaalam namin sa iyo. <b>Sumasagot ang karamihan sa mga kumpanya sa loob ng 15 araw.<br/></b></h3> </div> </div> </div> <div class="block"> <section class="o-featured-content-module "> <div class="o-featured-content-module__text"> <h2 class="h3">Nagkaproblema sa produkto o serbisyong pampananalapi_</h2> <p>Alamin ang proseso ng paghahain ng reklamo ng CFPB, at kung paano magsumite ng reklamo sa CFPB.</p> </div> <div class="o-video-player o-video-player--youtube o-featured-content-module__visual" data-id="yBi49l9nEeI" data-src="https://www.youtube.com/embed/yBi49l9nEeI?enablejsapi=1&amp;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>Isara</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 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-6.804.01 3.032-3.033a.792.792 0 1 0-1.12-1.12L8.494 8.473 5.46 5.44a.792.792 0 0 0-1.12 1.12l3.033 3.033-3.032 3.033a.791.791 0 1 0 1.12 1.119l3.032-3.033 3.033 3.033a.79.79 0 0 0 1.12 0 .79.79 0 0 0 0-1.12z"/></svg> </button> </div> </div> <div class="o-video-player__iframe-container"> <iframe class="o-video-player__iframe" src="https://www.youtube.com/embed/yBi49l9nEeI?enablejsapi=1&amp;origin=https://www.consumerfinance.gov" allow="fullscreen; autoplay" aria-hidden="true" tabindex="-1" title="This is a placeholder for a video that will load."> </iframe> </div> </div> <div class="o-video-player__image-container u-hide-on-video-playing"> <a aria-label="Play video on YouTube" class="o-video-player__play-btn o-video-player__play-btn--center" href="https://www.youtube.com/embed/yBi49l9nEeI?enablejsapi=1&amp;origin=https://www.consumerfinance.gov" rel="noopener noreferrer" target="_blank"> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--play" viewbox="0 0 13 19" xmlns="http://www.w3.org/2000/svg"><path d="m11.314 9.988-8.822 5.086a1.24 1.24 0 0 1-.61.186c-.45 0-.762-.36-.762-.978V4.112c0-.618.312-.977.763-.977a1.24 1.24 0 0 1 .609.186l8.822 5.086a.835.835 0 0 1 0 1.581"></path></svg> </a> <button class="o-video-player__play-btn o-video-player__play-btn--center u-hidden" aria-label="Play video"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--play" viewBox="0 0 13 19"><path d="m11.314 9.988-8.822 5.086a1.24 1.24 0 0 1-.61.186c-.45 0-.762-.36-.762-.978V4.112c0-.618.312-.977.763-.977a1.24 1.24 0 0 1 .609.186l8.822 5.086a.835.835 0 0 1 0 1.581"/></svg> </button> <img class="o-video-player__image o-video-player__image--thumbnail o-featured-content-module__img" alt="" src="https://files.consumerfinance.gov/f/images/languages_submit_a_complaint.original.original.png"> <time class="o-video-player__duration u-hidden">00:00</time> </div> </div> </section> </div> <div class="block"> <div> <p><h3 id="" data-block-key="xofuv">Paano isumite ang iyong reklamo</h3><ul><li data-block-key="62hi3"><a href="/complaint/"><b>Online</b></a><b> (sa Ingles)</b></li><li data-block-key="1a7fm"><b>O sa pamamagitan ng telepono sa</b> <a href="tel:(855) 411-2372"><b>(855) 411-2372</b></a><b> para sa tulong sa Tagalog,</b> at 180 iba pang wika. Karaniwang sinasagot ang tawag nang wala pang 1 minuto. Isasalin ang iyong reklamo sa Ingles at ipapadala sa kumpanya para kanilang sagutin. Kapag sumagot ang kumpanya, karaniwang gagawin nila ito sa Ingles, ngunit maaari kang tumawag sa amin para marinig ang isinaling sagot.<br/><br/></li></ul><p data-block-key="7mgfp"></p><h3 id="" data-block-key="e7cc3">Hanapin ang mga sagot bago mo simulan ang reklamo</h3></p> <div class="o-expandable-group "> <div class="o-expandable " id="aling-mga-produkto-at-serbisyo-ang-maaari-kong-ireklamo" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > Aling mga produkto at serbisyo ang maaari kong ireklamo? </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="Ipakita"> <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="Ikubli"> <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">Kasalukuyan kaming tumatanggap ng mga reklamo tungkol sa:</p><ul><li data-block-key="3qn9r">Mga checking at savings account</li><li data-block-key="11k0g">Mga credit card</li><li data-block-key="8tj8d">Mga serbisyo ng pag-aayos ng credit</li><li data-block-key="94rqb">Mga credit report at iba pang personal na report ng mamimili</li><li data-block-key="e4p2">Pagkolekta ng utang</li><li data-block-key="7tro9">Pakikipag-areglo ng utang</li><li data-block-key="4dvqk">Mga money transfer, virtual currency, at mga serbisyong may kinalaman sa pera</li><li data-block-key="6j2be">Mga mortgage</li><li data-block-key="dbqpj">Mga payday loan</li><li data-block-key="ai4o0">Mga personal na loan katulad ng mga hulugan at title loan</li><li data-block-key="7ijah">Mga prepaid card</li><li data-block-key="a8kuc">Mga student loan</li><li data-block-key="46vij">Mga loan o pag-lease ng sasakyan</li></ul><p data-block-key="e9d3">Kung hindi mo nakikita sa listahan ang gusto mong ireklamong produkto o serbisyo, <a class="a-link" href="https://www.usa.gov/complaints"><span class="a-link__text">tingnan sa 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> para maghanap ng ibang mga lugar para magsumite ng mga reklamo. Kabilang dito ang mga paraan ng pagsusumite ng mga reklamo tungkol sa mga kumpanya ng telepono, internet, at cable, pati na rin ang mga kumpanyang nagbebenta ng iba pang mga produkto at serbisyo at marami pa.</p><p data-block-key="e0dpt">Kung sa tingin mo ay biktima ka ng scam, may ilang <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/">mahahalagang hakbang na dapat mong gawin agad</a>.<br/><br/></p> </div> </div> <div class="o-expandable " id="anong-mga-hakbang-ang-maaari-kong-gawin-bago-magsumite-ng-reklamo" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > Anong mga hakbang ang maaari kong gawin bago magsumite ng reklamo? </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="Ipakita"> <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="Ikubli"> <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">Sinubukan mo na bang kontakin ang kumpanya? Karaniwang sinasagot ng mga kumpanya ang mga tanong sa natatangi mong sitwasyon at mas partikular sa mga produkto at serbisyong inihahandog nila.</p><p data-block-key="9mo3g">O, maaari mong <a href="/ask-cfpb/">hanapin ang mga sagot</a> (sa Ingles) sa mga madalas itanong ng mga mamimili hinggil sa pananalapi.<br/><br/></p> </div> </div> <div class="o-expandable " id="anong-impormasyon-ang-kakailanganin-ko-kapag-isinusumite-ang-aking-reklamo" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > Anong impormasyon ang kakailanganin ko kapag isinusumite ang aking reklamo? </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="Ipakita"> <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="Ikubli"> <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">Bago tumawag, isulat kung ano ang nangyari:</p><ul><li data-block-key="eak72">Isama ang mahahalagang petsa, halaga, at komunikasyong mayroon ka sa kumpanya</li><li data-block-key="a33od">Ibigay ang kumpletong impormasyon sa pakikipag-ugnayan para sa kumpanya. Kung hindi namin maaaring ipadala ang reklamo sa kumpanyang iyon, ipapaalam namin sa iyo kung ano ang susunod na gagawin.</li></ul><p data-block-key="8o4rm">Sa telepono, kakailanganin mong:</p><ul><li data-block-key="3gq2u">Mag-set up ng account na may pangalan, email address, at numero ng telepono mo</li><li data-block-key="105j7">Piliin ang produkto at ang isyung inirereklamo mo sa listahan</li><li data-block-key="f4v6h">Ipaalam sa amin kung sinubukan mong ayusin ang isyu na may resolusyon ng kumpanya</li><li data-block-key="2lo89">Ipaalam sa amin kung sinubukan mong ayusin ang isyu sa kumpanya</li><li data-block-key="1mfhv">Tukuyin ang kumpanyang inirereklamo mo</li><li data-block-key="9c8ej">Ibigay ang iyong address</li><li data-block-key="fu1vu">Kilalanin na ang impormasyong ibinibigay mo ay totoo at na nauunawaan mong hindi maaaring kumilos ang CFPB bilang iyong abogado, hukuman ng batas, o tagapayo sa pananalapi.</li></ul><p data-block-key="7vsce">Magkakaroon ka rin ng opsyon—ngunit hindi mo kailangang—ibigay ang impormasyon ng iyong account o pandemograpiya.<br/><br/></p> </div> </div> <div class="o-expandable " id="paano-ibinabahagi-ng-cfpb-ang-data-ng-aking-reklamo" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > Paano ibinabahagi ng CFPB ang data ng aking reklamo? </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="Ipakita"> <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="Ikubli"> <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">Ibabahagi namin ang iyong reklamo sa kumpanya upang mapag-aralan at masagot nito ang mga isyung inilarawan mo.</li><li data-block-key="7r1so">Kung hindi namin maipapadala ang iyong reklamo sa kumpanya para kanilang masagot, ipapadala namin ito sa ibang pederal na ahensya at ipapaalam namin sa iyo.</li><li data-block-key="7ssgi">Ginagamit ng CFPB ang pamamaraang "pagkapribado muna" pagdating sa personal na impormasyon. Kaya, makukuha lamang ang iyong impormasyon ng mga partikular na lokal, pang-estado, at pederal na ahensya na nangangasiwa sa batas sa pananalapi ng mamimili at lumalagda ng kasunduan sa kumpidensyalidad at seguridad ng data para ma-access.<br/><br/></li></ul> </div> </div> <div class="o-expandable " id="ano-ang-mangyayari-pagkatapos-mong-isumite-ang-iyong-reklamo" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > Ano ang mangyayari pagkatapos mong isumite ang iyong reklamo? </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="Ipakita"> <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="Ikubli"> <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">Dadaan ang iyong reklamo sa ilang hakbang na makakatulong sa iyong makakuha ng sagot at makakatulong sa aming matukoy ang mga problema sa merkado.</p><h5 id="" data-block-key="ua4fj">1. ISINUMITENG REKLAMO</h5><p data-block-key="7sjfr">Magsusumite ka ng reklamo, o ipapadala sa amin ng iba pang ahensya ng pamahalaan ang iyong reklamo. Makakatanggap ka ng mga update sa email at maaaari mong makita ang status ng iyong reklamo.</p><h5 id="" data-block-key="mgkrp">2. RUTA</h5><p data-block-key="787td">Direkta naming ipapadala namin ang iyong reklamo sa kumpanya upang mapag-aralan nito ang mga isyu sa iyong reklamo. Kung natagpuan namin na mas makakatulong ang iba pang ahensya ng pamahalaan, ipapadala namin ang iyong reklamo sa kanila at ipapaalam namin sa iyo.</p><h5 id="" data-block-key="jpmdl">3. TUGON NG KUMPANYA</h5><p data-block-key="6ddis">Makikipag-ugnayan sa iyo ang kumpanya kung kailangan at sasagutin ang mga isyu sa iyong reklamo. Karaniwang sumasagot ang mga kumpanya sa loob ng 15 araw. Sa ilang kaso, ipapaalam sa iyo ng kumpanya na kasalukuyan silang sumasagot at ibibigay ang pinal sa sagot sa loob ng 60 araw.</p><h5 id="" data-block-key="jb0mx">4. INILATHALA ANG REKLAMO</h5><p data-block-key="dim3h">Inilalathala namin ang impormasyon tungkol sa iyong reklamo (nang walang impormasyong direktang tumutukoy sa iyo) sa aming pampublikong Database para sa Reklamo ng Mamimili. Sa iyong pahintulot, inilalathala rin namin ang iyong paglalarawan sa kung ano ang nangyari, pagkatapos gumawa ng mga hakbang para maalis ang personal na impormasyon. <a href="/complaint/data-use/">Alamin pa ang tungkol sa kung paano namin ibinabahagi ang data sa reklamo</a>.</p><h5 id="" data-block-key="vor2a">5. SALOOBIN NG MAMIMILI</h5><p data-block-key="2fl59">Ipapaalam namin sa iyo kapag sumagot na ang kumpanya. Mapapag-aralan mo ang sagot ng kumpanya at magkakaroon ng 60 araw para magbigay ng opinyon tungkol sa sagot ng kumpanya.<br/><br/></p> </div> </div> <div class="o-expandable " id="ano-ang-dapat-kong-gawin-kung-sa-tingin-ko-ay-na-scam-ako" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > Ano ang dapat kong gawin kung sa tingin ko ay na-scam ako? </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="Ipakita"> <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="Ikubli"> <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">Kung may pinaghihinalaan kang scam, may ilang mahahalagang hakbang na dapat mong gawin agad.</p><ol><li data-block-key="qqam">Kontakin ang iyong lokal na tanggapan ng pulisya o sheriff para iulat ang scam.</li><li data-block-key="4jh1m">Kontakin ang iyong attorney general ng estado. Bisitahin ang website ng <a class="a-link" href="https://www.naag.org/find-my-ag/"><span class="a-link__text">National Association of Attorneys General (Pambansang Asosasyon ng mga Pangkalahatang Abogado)</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> para sa impormasyon sa pakikipag-ugnayan ng bawat isang attorney general ng estado.</li><li data-block-key="eja3d">Kung ang biktima ay isang matanda o taong may kapansanan, kontakin ang iyong lokal na ahensyang pumuprotekta sa matatanda. Mahahanap mo ang iyong pang-estado o lokal na ahensyang tumatanggap at nag-iimbestiga ng mga ulat ng pinaghihinalaang pagsasamantala sa pananalapi ng nakakatanda sa pamamagitan ng paggamit ng online na <a href="tel:https://eldercare.acl.gov/Public/Index.aspx">Eldercare Locator (Tagahanap ng Taga-alaga ng Nakakatanda)</a> o pagtawag sa <a href="tel:(800) 677-1116">(800) 677-1116</a>.</li><li data-block-key="99fqe">Kung ikaw o ang isang taong inaalala mo ay biktima ng panloloko, scam o pagsasamantala sa pananalapi, maaari kang <a class="a-link" href="https://reportfraud.ftc.gov/#/"><span class="a-link__text">magsumite ng reklamo sa Pederal na Komisyon sa Kalakal</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> (Federal Trade Commission).</li></ol><p data-block-key="efv9p">Dahil magkakaiba ang lahat ng scam, maaaring kailanganin mong makipag-ugnayan sa ilan sa iba pang lokal, pang-estado, at pederal na ahensya depende sa iyong sitwasyon. Tingnan ang gabay na ito tungkol sa pamamahala sa pera ng isang tao para sa karagdagang impormasyon tungkol sa pagsasamantala sa pananalapi at mga scam.<br/><br/></p> </div> </div> </div> </div> </div> <div class="block"> <div class="o-info-unit-group" id=&#34;mga-patotoo&#34; > <h3 id="mga-patotoo">Mga Patotoo</h3> <p data-block-key="ccop8">Nasa ibaba ang mga kuwento ng kung paano natulungan ang mga taong kagaya mo ng proseso ng pagsusumite ng reklamo ng CFPB. Ang iyong pagsasalita ay nagbibigay sa amin ng mahalagang pang-unawa sa mga isyung kinakaharap mo bilang isang mamimili.</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">"Hindi ko masabi sa iyo kung ilang beses ko nang iniyakan ang tungkol sa aking kalagayang pinansyal. Kinontak ko ang CFPB dahil kailangan ko talagang may ibang tao sa panig ko. Walang nababago sa ginagawa ko sa pribadong serbisyo sa student loan na ito, at hindi ako makaalis sa isang posisyon kung saan nawawalan na ako ng pag-asa. Kaya para sa akin, ito lamang ay tungkol sa paghahanap ng isang taong talagang makakagawa ng kaibahan ... sa tuwing nakakarinig ako ng mga taong nahihirapan sa iba pang mga isyu, talagang tinuturo ko sila sa direksyon ng CFPB."</p><p data-block-key="3lf14"><b>– Dani</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">"Hindi ko nakuha ang apartment dahil ipinapakita pa rin sa aking kredito ang aking pagkabangkarote. Pagkatapos ng sampung taon, kung kailan dapat ay nawala na ang pagkabangkarote, sinubukan kong muling kumuha ng apartment, ngunit bago mag-apply, ninais kong matiyak na wala na ito--at naroon pa rin ito. Kaya kinontak ko sila. Nag-email ako sa kanila. Naka-ilang tawag ako at hindi nila inaayos ang isyu ... inisip kong kontakin ang Kawanihan ng Mabuting Pagnenegosyo (Better Business Bureau) at sinabi nila sa aking tawagan ang CFPB, at naisip ko namang subukan ito at tumawag ako at laking gulat ko sa bilis ng pag-asikaso nila sa isyu. Sa loob ng dalawang linggo, naisapinal ang lahat, tulad ng pagkakasabi sa sulat na wala na ito at naresolba na ang lahat ng magkabilang panig. Ang gusto ko rito ay may isang ahensya ng pamahalaan sa antas na pederal na katulad ng CFPB na tutugon at poprotektahan tayong mga mamimili mula sa, paminsan-minsan na mapang-abusong pagkilos mula sa mga samahang pinansyal."</p><p data-block-key="320td"><b>– Jorge</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 "> Manatiling napapanahon </h2> </header> <p> <p data-block-key="2950y">Mag-sign up para sa impormasyon upang matulungan ang mga multilingguwal na komunidad</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 2.884a.792.792 0 1 0-1.583 0v5.203a.792.792 0 0 0 1.583 0z"/></svg> <div class="m-notification__content" > </div> </div> <div class="m-form-field"> <label class="a-label a-label--heading" for="email_1"> Email address </label> <input class="a-text-input a-text-input--full" id="email_1" name="email" type="email" placeholder="mail@example.com" required> </div> <div class="o-email-signup__buttons"> <button class="a-btn">Mag-sign up</button> <a class="a-btn a-btn--link a-btn--secondary" href="/privacy/email-sign-privacy-act-statement/" target="_blank" rel="noopener noreferrer"> Tingnan ang pahayag ng Batas sa Pagkapribado </a> </div> <input type="hidden" name="code" value="USCFPB_86"> </form> </div> </div> <div class="block"> <div class="m-related-links"> <header class="m-slug-header"> <h2 class="m-slug-header__heading" id="mag-order-at-mag-download-ng-mga-publikasyon"> MAG-ORDER AT MAG-DOWNLOAD NG MGA PUBLIKASYON </h2> </header> <p data-block-key="5njwi">Mga libreng publikasyon na mao-order mo na naka-print o maida-download, na tinatalakay ang iba't ibang paksa at sa iba't ibang wika.</p> <ul class="m-list m-list--links"> <li class="m-list__item"> <a class="a-link a-link--jump" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php"> <span class="a-link__text">Maghanap ng mga publikasyon (sa Ingles)</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> </li> </ul> </div> </div> <div class="block"> <div class="m-related-links"> <header class="m-slug-header"> <h2 class="m-slug-header__heading" id="pagtulong-sa-mga-multilingguwal-na-komunidad-at-baguhan"> PAGTULONG SA MGA MULTILINGGUWAL NA KOMUNIDAD AT BAGUHAN </h2> </header> <p data-block-key="5njwi">Sa Estados Unidos, karaniwang inilalarawan sa Ingles ang mga pinansyal na produkto at serbisyo. Para sa mga iba ang pangunahing wikang sinasalita, maaaring isang hamon ang maunawan at gamitin ang mga produkto at serbisyong ito.</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">Tingnan ang mga sanggunian para sa pagtulong sa mga multilingguwal na komunidad at baguhan (sa Ingles)</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="glossary-ng-english-tagalog-financial-terms"> Glossary ng English-Tagalog financial terms </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_adult-fin-ed_tagalog-style-guide-glossary.pdf"> <span class="a-link__text">Mag-download ng PDF</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="plano-ng-pag-access-sa-wika"> PLANO NG PAG-ACCESS SA WIKA </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">Plano ng Pag-access sa Wika ng CFPB (sa Ingles)</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="legal-na-pagtatatuwa"> LEGAL NA PAGTATATUWA </h2> </header> <p data-block-key="f74b2">Ang nilalaman sa page na ito ay nagbibigay ng pangkalahatang impormasyon sa mamimili. Hindi ito legal na payo o gabay sa mga tuntunin. Pana-panahong inia-update ng CFPB ang impormasyong ito. Maaaring kasama sa impormasyong ito ang mga link at pagtukoy sa mga sanggunian at nilalaman ng ikatlong partido. Hindi namin ineedorso ang ikatlong partido o ginagarantiya ang kawastuhan ng impormasyon ng ikatlong partido. Maaaaring mayroong iba pang mga sanggunian na tumutugon din sa iyong mga pangangailangan.</p> </div> </div> </aside> </div> </main> <footer class="o-footer"> <div class="wrapper wrapper--match-content"> <div class="o-footer__pre"> <a class="a-btn a-btn--secondary o-footer__top-button" data-gtm_ignore="true" data-js-hook="behavior_return-to-top" href="#"> Back to top <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--arrow-up" viewbox="0 0 13 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.744 8.815a1.03 1.03 0 0 1-1.456 0L7.53 6.055v9.529a1.03 1.03 0 1 1-2.058 0V6.055l-2.76 2.76a1.029 1.029 0 0 1-1.455-1.456l4.516-4.516a1.03 1.03 0 0 1 1.456 0l4.516 4.516a1.03 1.03 0 0 1 0 1.456z"></path></svg> </a> <ul class="o-footer__nav-list m-list"> <li class="m-list__item"> <a class="m-list__link" href="/about-us/"> About Us </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/about-us/contact-us/"> Contact Us </a> </li> <li class="m-list__item"> <a class="m-list__link" 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