Debt Elimination: Advice, Hints, and TipsUseful Information about Debt Elimination |
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When many consumers find a mistake on their bill, they pick up the phone and call the company to correct the problem. You can do this if you wish, but phoning does not trigger the legal safeguards provided under the FCBA (Fair Credit Billing Act). To be protected under the law, you must send a separate written billing error notice to the creditor. Your notice must reach the creditor within 60 days after the first bill containing the error was mailed to you. Send the notice to the address provided on the bill for billing error notices (and not, for example, directly to the store, unless the bills says that's where it should be sent). In your letter, you must include the following information:
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