Lawyer Directory
Home | Lawyer Directory | Legal Articles | Legal Forms | Forums | Submit Listing | Contact Us
 Main Menu
Lawyer DirectoryHome
Find a LawyerFind Lawyers by State
Search AttorneysFind Attorneys by Profession
Bankruptcy LawBankruptcy Law
Criminal LawCriminal Law
Employment LawEmployment Law
Family LawFamily Law
Bankruptcy LawImmigration Law
Criminal LawPersonal Injury
Submit Legal ListingSubmit Lawyer Listing
Find an AttorneyLegal Articles
legal helpLegal Cases
free legal AdviceLegal Advice
Free Legal FormsFree Legal Forms
Advanced Lawyer SearchLegal Information
Legal News FeedsLegal News
FAQs for Legal AdviceFAQs: Legal Advice
Find an AttorneyLawyer Listings

 Mailing List
Enter your Email address to receive frequent updates.

 Legal Resources
Finding a LawyerFinding the Right Lawyer
Lawyer Fee and CostLawyer Fee and Costs
Lawyer DictionaryLaw Dictionary
Legal AreasLegal Areas
Legal TipsLegal Tips
Legal NewsLegal News Resources
Legal SoftwareLegal Software
Law Books and PublicationsLaw Book Stores
Criminal RecordsCriminal Records
Background ChecksBackground Checks
Legal PublicationsLegal Publications
State Codes and StatutesState Codes and Statutes
Attorney EmploymentAttorney Employment
US State Bar AssociationsUS State Bar Associations
Legal Website DesignWebsite Design
Legal Website HostingWebsite Hosting
Legal Website PromotionWebsite Promotion
Lawyer JokesLawyer Jokes
Correcting Credit Card Billing Errors

Your credit card issuer will provide you with a statement for each month in which there is a balance owed on your account. If you believe a statement contains an error, such as a charge for an item you didn't order, the federal Fair Credit Billing Act protects you. Here's how this law works:

First, you must notify the creditor as soon as possible after you discover the suspected error, but no later than 60 days after you receive your statement. You must notify the creditor about the error in writing - a telephone call won't protect your rights.

Once the creditor receives your written notice of the problem, it has 30 days to acknowledge that it has received the billing error notice. Within 90 days of receiving your written notice, the creditor must either correct the billing error, or notify you that it has investigated your problem and either will not correct the alleged error or make only a partial correction, and explain the reasons for its decision. If the creditor exercises this option, you have the right to request any documentation which the creditor used to reach its decision.

While your claim is being investigated, you have the right to withhold payments relating to the disputed amount. If the creditor agrees that a mistake was made, it must credit your account for any amount which you paid due to the improper billing, along with any finance or late charges that were imposed.

If the creditor refuses to acknowledge the error after investigating your claim, it must allow you at least 10 days from the time it notifies you that it has rejected your claim in which to pay the disputed amount. If you still refuse to pay, the creditor can report you to a credit bureau as delinquent. But if you notify him in writing that your refusal to pay is based on your continued belief that the bill is incorrect, any report it makes to a credit bureau has to disclose that your refusal is based on a dispute about the bill's legitimacy.

Home  |  Articles  |  Submit Article  |  Lawyer Search  |  Free Consultation  |  Sponsored Lawyers  |  Payment
Terms & Conditions  | Disclaimer |  Privacy   |  Submit Listing Link Removal  |  Lawyer Advertising  |  Site Map
Legal Blog  | Contact Us