Exactly how does the TILA credit card dispute process work, step by step, from beginning to end?
First, we review your accounts to see if they can be disputed. So far, we have not found any that cannot. Then, we provide you with dispute letters to send to your banks in lieu of your payment. Once the banks get the dispute letters, the law imposes certain restraints on their collection efforts and billing procedures. You will keep track of the calls, letters, and statements you get from the banks. Consumer Guardians will assist you in determining all possible violations of the law by the banks, and there should be many. Once the banks report you to the Credit Bureaus as sixty days late, you will sue them in federal court for their violations.
