LawHelp HTML Document

A guide to legal help in Wyoming

Home > Making Ends Meet > You & Your Bills


	Search This Site

	Need Help with Your Search?

Find Legal Help On You & Your Bills

Related Resources

Divorce & Credit
By: Developed from materials provided by the Bureau of Consumer Protection

Sample Letter
By: Wyoming Legal Services - Lander Office

Dealing With Debt Collectors
By: Wyoming Legal Services - Lander Office

more...

Credit Card Billing
by: Developed from materials provided by the National Consumer Law Center

Fixing Mistakes: Part II

[See Credit Card Billing Fixing Mistakes: Part I]

What must the creditor do?

Your creditor (the person who you owe money to) must send you a letter within 30 days of getting your notice.
If the problem if fixed, he does not need to send this letter.
If the problem is not fix, he as two billing cycles (but not more than 90 days), to look into the problem.
In this time he must correct the mistake or explain why your bill was right.

What happens while the creditor is looking into it?

Once you send a notice, the bill is in what's called "dispute."

The amount in dispute is the amount of the mistake you complain about.

The amount in dispute may also include finance charges if the bill is found to be correct.

While you are waiting for an answer, you don't have to pay. This includes finance charges.

You still have to pay any part of the bill that is correct. While the bill is in dispute, the creditor cannot send collection agents after you.
He cannot close your account. He cannot keep you from using it.
Your credit limit can be lowered by the amount in dispute.

[See Credit Card Billing Fixing Mistakes: Part III]

Last Reviewed On: 04/23/04

Using Wyoming LawHelp (Please Read)

Information, Not Legal Advice.

Everybody's problems are unique. This website cannot tell you how your case will be decided.
This website can be used to help you learn the law. It can help you understand your rights. It can assist you in getting the help you need.
If you need more help than this website can give on your specific problem, you should contact a lawyer. If you are low-income and wish to apply for an attorney through Legal Aid of Wyoming, please click here.
Whether you are low-income or not, if you have questions about your case or are uncertain in any way, it is a good idea to talk to a lawyer before taking legal action.

Hiring a Lawyer.

Hiring a lawyer is a big decision.
Before hiring a lawyer, you should ask a lot of questions.
Hire a lawyer you feel you can trust.
This website gives information on what to look for in a lawyer. This web site is not advertising for any particular lawyer.

E-mail.

Using this website or sending an e-mail to Wyoming LawHelp does not mean that Wyoming LawHelp is your lawyer.
Deadlines
If you are handling your own case or do not yet have a lawyer, it is very important that you not miss deadlines! You may lose your legal rights if you do not take action right away.
This means getting a lawyer right away if that is what you want.
Getting It Right
Wyoming LawHelp is offered as public service. We try to make the information correct as of the date of the materials.
Sometimes the laws change. We cannot promise that this information is always up-to-date and correct, but we are doing our best to give you the best information we can.

Links

Sometimes we link to legal information given by other websites.
We cannot say with absolute certainty that these other links have gotten in right.
We do not sponsor these other links or use any trade name, trademark, logo, legal or official seal used at these links.

The WyomingLawHelp.org is a project of Legal Aid of Wyoming, Wyoming Access to Justice Commission, the Wyoming Center for Legal Aid, Wyoming State Bar, Wyoming State Bar Foundation and the University of Wyoming College of Law.