Debt Elimination: Advice, Hints, and TipsUseful Information about Debt Elimination |
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Any creditor who fails the FCBA (Fair Credit Billing Act) dispute settlement procedure may not collect the first $50 of the amount in dispute or finance charges on it, even if the bill turns out to be correct. For example, this penalty would apply if a creditor acknowledges your complaint in 45 days (15 days too late) or takes more than two billing cycles to resolve the dispute. It also applies if a creditor threatens to report--or goes ahead and improperly reports--your non-payments to anyone. You also have the right, as more fully described below, to sue a creditor for violation of the FCBA.
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Tuesday, February 7, 2012 Copyright ©2012- All Rights Reserved
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