Average credit card debt: $5,221. Credit card debt is the most common consumer debt in America. Under the FCBA, you have 60 days to dispute billing errors. Many collection accounts lack proper documentation.
Common Credit Corp Solutions Violations
Purchasing and collecting on debts beyond SOL
Inflating balances with unauthorized interest
Failing to provide complete debt validation
Credit Card Debt Dispute Strategies
1
Request debt validation under FDCPA § 1692g
2
Dispute billing errors under FCBA within 60 days
3
Check if debt exceeds statute of limitations
4
Negotiate settlement at 40-60% of balance
5
File CFPB complaint if collector violates FDCPA
Tips Against Credit Corp Solutions
Credit Corp is an Australian company operating in the US — verify they're licensed in your state
Demand the complete chain of assignment from original creditor
Check your state's debt buyer licensing requirements