Can a collection company call multiple times per day? Can a creditor really increase your interest rate if you cannot pay your bills? If you have a question about debt collection, credit reporting, or any other issues related to consumer law, our FAQ section might provide the answer you need right now. If it doesn't, contact us using the contact form or the toll-free number and we'll answer it for you within 24 hours!
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Every IVR menu option sends me in circles—what purpose does that serve?
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My bank transferred me to a “senior” fraud department—why did I end up speaking to someone with zero power?
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Do I risk ruining my credit if I refuse to pay the bogus charge?
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Can’t I just file another dispute with the bank’s fraud department?
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Should I surrender my physical card to the bank for “forensics”?
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My bank keeps saying, “The chip is unhackable.” Are they ignorant or just cheap?
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What exactly is a “shimmer,” and how is it different from the old‑school skimmer?
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If chips are “safer,” why does fraud keep popping up on my statement?
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The merchant log says my chip was ‘card‑present.’ Doesn’t that prove I swiped the card myself?
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Is it too late to fight back if I already ‘accepted’ the loss?