Consumer Finance: Protecting Your Rights in Billing Disputes, Contractor Issues, and Audits

Financial disputes are among the most stressful legal issues Americans face. Whether you're dealing with incorrect billing, contractor problems, or an unexpected audit, knowing your rights is crucial.

Billing Disputes

Under the Fair Credit Billing Act (FCBA), you have the right to dispute billing errors on credit card statements. This includes unauthorized charges, incorrect amounts, and charges for goods not received. You must file your dispute in writing within 60 days of the statement date containing the error.

Contractor Disputes

When a contractor fails to complete work properly or breaks a contract, you have several legal options under U.S. law. These include filing complaints with your state's contractor licensing board, pursuing mediation or arbitration, and if necessary, filing a lawsuit in small claims court for amounts typically under $5,000-$10,000 depending on your state.

IRS Audits

Being selected for an IRS audit doesn't mean you've done anything wrong. The Taxpayer Bill of Rights guarantees you the right to professional and courteous treatment, the right to privacy, and the right to representation. Having legal counsel during an audit can make a significant difference in the outcome.

Debt Collection

The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive, unfair, or deceptive practices by debt collectors. Collectors cannot call at unreasonable times, use threats of violence, or misrepresent the amount owed.

Get Legal Protection