Fair Credit Billing Act

The Fair Credit Billing Act regulates all credit and charge card billings related to:

Extending credit to someone not authorized to use your card
Extending credit for property of services you didn't receive
Failure to credit your account correctly
Extension of credit for items returned because they were defective

To enact the Fair Credit Billing Act you must write a letter to the creditor, within 60 days of the date on the incorrect statement, that includes your name, account number and any supporting documentation (sales slip, etc.).

The creditor must acknowledge the letter within 30 days. And then correct the error or explain why they won't within two billing cycles.

Letters & Forms

AFS is working hard to provide our clients with the most comprehensive forms to help you tackle your debt.

Please check back soon for letters and forms that you can use to communicate with creditors and agencies.

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Not all services available in all states. Fees may apply for certain services, including debt management plan services. Eligibility requirements, terms and conditions apply. Individual results may vary depending upon a number of factors, including creditor participation and your financial situation. Establishment of a debt management plan may adversely affect your credit rating or credit score. Nonpayment of debt may lead creditors to increase finance and other charges or undertake collection activity, including litigation. Ask us for details.

Mississippi Licensed Debt Management Service Provider, Licensed by Vermont Department of Banking. Licensed by the New York Department of Banking. NOT A LOAN COMPANY - WE DO NOT LEND MONEY. The Commissioner of Financial Regulation for the State of Maryland will accept all questions and complaints from Maryland residents regarding American Financial Solutions (License No.14-18) at 500 North Calvert Street, Room 402, Baltimore, MD 21202, phone number 1-888-784-0136. Corporate Address: AFS 2815 2nd Ave., Suite 280, Seattle, WA 98121. Counseling Center Located at 263 4th Street, Bremerton WA 98337. Copyright © 2006 - American Financial Solutions is a division of the North Seattle Community College Foundation.