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N C ASE (OF E RRORS OR
<br />:�JNQUIRtES ABOUT YO UR BILL
<br />The =edera= Truth �,i Lenui: ig Act requires prompt correction of bilii! rg rnis�,.ikes.
<br />1. If you want to preserve your rights under the Act, here's what to -do if you think your bill is wrong or if you need more
<br />inforn ration about ;;,rt item on your mill:
<br />a. Imo not t,,-rite or) the bill. On a separate sheet of paper write [Alternate - -Write on the bill or other sheet of paper] (you may
<br />ic'lephoi!o your , inquiry � ut do!F g so will not preserve your rights; sander -his IaU1 . the f- 1
<br />I, Your name and account number (if any ).
<br />ii. A descriptio of the error and an explanation (to the extent you can explain) why you believe it is an error.
<br />If yo.i only f :red n,wre information, explain the item you ar not std e abo;,,' and. ` you v ish, ask for evidence of the
<br />charge such as a copy of the charge slip. Do not send in your copy of a sales slip or other document unless you
<br />have a duplicate copy for your records.
<br />The .'r)llar 4:.:`4ount ; the. pected error.
<br />iv. Any other iniormation (such as your address) which you think will help the creditor to identify you or the reason to..,
<br />your complaint or in;]uiry.
<br />b. _ y::..;r billi :g erro< , ,otice to the address on your bill which i :,' :isted Mter fl, :, word: "RENJ. TO"
<br />Mail it as soon as you car,, but in any case, early enough to reach the creditor within 60 days after the bill was mailed to
<br />yoi: If you: ' ave . you. bank to acitomaticaliy pay frog your r. i eckir or savings avrount any credit card r.
<br />from that bunk, you can stop or reverse payment on any amount you think is wrong by mailing your notice so the creditor
<br />receives it within 16 days fter the bill was sent to you. However, you do not have to meet this 16 -day deadline to get the
<br />cre�.�=3r to i, ;esti(, 11'o yo!. - :)iliing error cla4n,
<br />2. The creditor must acknowledge all letters pointing out possible errors within 30 days of receipt, unless the creditor is able
<br />to i:. rrect :ur bill ,wring ',gat 30 days. Within 90 d:�ys after rece: - ving y(: !r letter the creditor must either correct the errn;r
<br />or explain Lvhy the creditor believes the bill was correct. Once the creditor has explained the bill, the creditor has no further
<br />obligation to you even though you still believe that there is an error except as provided in paragraph 5 below.
<br />3. After the creditor has been notified, neither the creditor nor an attorney nor a collection agency may send you collection
<br />letters or take other collection action with respect to the amount in dispute; but periodic statements may be sent to you,
<br />an °he diE ; :irnoun! .an be nnplied against your credit limit. You ca! - .not be threatened with damage to your credit rat-
<br />ing ur sued for the amount in question. nor can the disputed amount be reported to a credit bureau or to other creditors as
<br />delinquent until the creditor has answered your inquiry. However. you remain obligated to pay the parts of your bill not in
<br />dis ite.
<br />4. If it is determined that the creditor has made a mistake on your bill, you will riot have to pay any finance charges on any
<br />disputed ,, iount. :" it turrs::, out tha} the creditor has r.ot made an � you may ` the to ray finance charges on the aMOW',t
<br />in uFspute, and you will have to make up any missed rninimun, or required payments on the disputed amount. Unlcss
<br />you have agreed that your bill was correct, the creditor must send you a written notification of what you owe: and if it is
<br />det� miner: that tl credirc r did nt,ike a mistake in billing Vie disp Jed amount, y=; u mLV be given the time to pay which you
<br />nomnally aura given to pay undisputed amOUnts before any more t !ranee charges or late payment charges on the disputed
<br />amount can be charged to you.
<br />If crec : :ors e.c.0lanat €cn doeti not satisfy- you and you notify tyre creditor_ in. writing within 10 days after yon: recuive
<br />his explan tion that you still refuse to pay the disputed amount, the creditor may report you to credit bureaus and other
<br />crci :!tors jv d ma :Ursa =_ tgular collection procedures. But the cr= ;ditor ;rust a�� repru' that v( thin ", you do not o4ve th
<br />mc, ley, anv; the c€ editor r..ust let you know to whom such reports were made. Cade. Once tl kk matie; has been settled between
<br />you and the creditor, the creditor must notify those to whom the creditor reported you as delinquent of the subsequent
<br />resolution.
<br />6. If the creditor does not follow these rules, the creditor is not allowed to collect the first $50 of the disputed amount and
<br />finance ch urges, c—en if V ,e bill turns out to be correct.
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