Her practice includes complex creditor rights enforcement as well as defending lenders and other financial service industry clients in individual and class action claims for violations of federal consumer financial protection legislation such as the Fair Debt Collection Practices Act (FDCPA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA),
Fair Credit Billing Act (FCBA), Telephone Consumer Protection Act (TCPA), Truth In Lending Act (TILA), FTC Act, and Florida state consumer protection laws.
Customers who paid Direct Air by credit card may be entitled to a credit from their credit card company under the
Fair Credit Billing Act.
Legislation such as Dodd-Frank, the CARD Act, and the
Fair Credit Billing Act have been helpful to consumers with credit cards, but the rules undergirding fraud protection remain inadequate for bank cards: The protections for debit cards under the Electronic Fund Transfer Act are much weaker than those for credit cards.
Your liability for charges on a lost or stolen credit card is governed by the
Fair Credit Billing Act.
Under the Federal
Fair Credit Billing Act, the law is on the side of the credit-card users, debit card users are on their own.
The Federal
Fair Credit Billing Act gives you the right to dispute credit card charges for goods or services that were not ordered, never received, or misrepresented.
Under the Federal
Fair Credit Billing Act, you can dispute and withhold payment on the credit-card charge in the event of problems (protection which you don't get if you pay by cash or check).
Pay cash whenever possible or use credit cards instead of debit cards: Under the
Fair Credit Billing Act, Credit Cards provide consumers protection against fraudulent charges and your liability is limited to $50.
Refunds may also be obtained from the consumer's credit card company under the
Fair Credit Billing Act.
Technically, according to the
Fair Credit Billing Act (www.
When credit cards are involved, the
Fair Credit Billing Act limits the victim's liability for fraud to no more than $50, and the card issuer often waives that fee.
Debit Card: Under the
Fair Credit Billing Act, Credit Cards provide consumers protection again fraudulent charges and your liability is limited to $50.
