Average utility debt: $800. Utility debt from electric, gas, water, and internet bills. State public utility commissions regulate billing practices. Many states prohibit disconnection during extreme weather.
Common CompuCredit Holdings Violations
Hidden fees in subprime credit card agreements
Misrepresenting credit card terms
Deceptive marketing of credit products
Utility Debt Dispute Strategies
1
File complaint with state Public Utility Commission
2
Request billing audit and meter verification
3
Apply for utility assistance programs (LIHEAP)
4
Dispute estimated vs actual billing
5
Challenge reconnection fees if disconnect was improper
Tips Against CompuCredit Holdings
CompuCredit was sued by FTC for deceptive practices — use this history in disputes
Review original card terms for hidden fee disclosures
Challenge any fees not clearly disclosed in the original agreement