THIS WEBSITE INCLUDES GENERAL INFORMATION & THE OPINIONS OF CHRISTOPHER S. MULVANEY. IT IS INTENDED TO STIMULATE A BASIS FOR QUESTIONS RELATED TO YOUR PARTICULAR FACTUAL CIRCUMSTANCES — BEFORE YOU ACT. THIS WEBSITE DOES NOT CONSTITUTE LEGAL ADVICE. IF YOU WANT LEGAL ADVICE, PLEASE MAKE A ZOOM APPOINTMENT TO SPEAK WITH ME.
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Gonzaga University School of Law – Spokane, Washington – Class of 2002 – Cum Laude The Latin phrase “Deo patriae, scientiis, artibus” translates to “For God and country through sciences and arts”. The initials A.M.D.G. on the seal of Gonzaga Law School stand for Ad Majorem Dei Gloriam, which is Latin for “For the Greater Glory of God” the Motto of the Society of Jesus (Jesuits): a Catholic religious order founded by St. Ignatius of Loyola.
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“Come now, and let us reason together . . .” – The Song of Solomon – Isaiah
has an explanation of how to dispute inaccurate entries on your credit report. The key is inaccurate. Upload documentation showing the inaccuracy. Disputing the fairness of reporting when you didn’t receive notice of the bill is not the purpose of these disputes. Disputing fairness is done directly with the creditor. Make sure to give all medical providers at least two mailing addresses and email addresses and ask that they use all of them. If unsatisfied, that is where online complaints come in. You can state what happened, what you attempted to do about it, and how the company responded or didn’t respond.
You can contact the nationwide credit reporting companies online, by mail, or by phone:
TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016-2000
By phone: (800) 916-8800, Monday – Friday 8 a.m. 11 p.m. ET, Saturday and Sunday 8 a.m. – 5 p.m. ET.
Keep copies of your dispute letter and the documents you send with it.
Disputing a credit card charge involves a specific process to protect your rights as a consumer. Here’s a general guide on how to do it:
1. Review the Charge:
Check your statement: Thoroughly examine your credit card statement for any charges you don’t recognize or believe are incorrect.
Identify the merchant: Note the merchant’s name and the date and amount of the disputed transaction.
2. Contact the Merchant (if applicable):
Attempt to resolve directly: If the dispute is about issues with the goods or services (e.g., incorrect item received, damaged goods), first try to resolve the issue with the merchant directly.
Document your efforts: Keep records of your communication with the merchant, including the date you contacted them, who you spoke with, and the outcome of your discussion.
3. Contact Your Credit Card Issuer:
Prompt action: Contact your credit card issuer as soon as possible after identifying the disputed charge.
Methods of contact: You can usually contact your issuer by phone, through their online account portal, or by sending a written letter.
Provide details: Be prepared to provide your name, account number, the date and amount of the disputed charge, the merchant’s name, and a clear explanation of why you are disputing the charge.
4. Submit a Formal Dispute (Written Notice):
Formal notice: To ensure your legal protections under the Fair Credit Billing Act (FCBA), send a written dispute letter to your credit card company.
Time limit: This letter must be sent within 60 days of the date the statement with the disputed charge was sent to you.
Where to send: Send the letter to the address specified for billing inquiries or errors, not the regular payment address.
Include necessary information:
Your name and account number.
The amount and date of the disputed charge, the merchant’s name, and a description of the charge.
The date of the first bill that shows the charge.
A detailed explanation of why you are disputing the charge (e.g., unauthorized charge, goods not received).
Copies of any relevant evidence (e.g., receipts, communication with the merchant, photos).
Certified mail recommended: Consider sending the letter by certified mail with return receipt requested to have proof of delivery.
5. Investigation and Resolution:
Issuer’s investigation: Your credit card company will investigate the dispute, which may involve contacting the merchant and requesting additional information.
Provisional credit: You may receive a provisional credit for the disputed amount while the investigation is ongoing.
Resolution: The issuer will inform you of their findings and whether the dispute is resolved in your favor. If so, they will remove the charge and any related fees or interest.
Important Reminders:
Appeal if necessary: If your dispute is denied, you may be able to appeal the decision or file a complaint with the Consumer Financial Protection Bureau (CFPB).
Pay undisputed amounts: Continue to pay the undisputed portions of your credit card bill while the dispute is being investigated.
Keep records: Maintain detailed records of all communication, documentation, and dates throughout the process.
Follow up: Follow up with your card issuer to ensure they received your dispute and to inquire about the status of the investigation.
To Always Be a Human Being First, and My Role Second. To First, Do No Harm, then to provide the best legal outcome, smoothest process, best value, and to make a positive difference in the life of every client.
Christopher S. Mulvaney’s Mantra:
May I be filled with loving kindness for all life. May I be safe from dangers within and without. May I be healthy in body, mind, socially, and spiritually. May I be at ease and happy, doing good in the world.
May You be filled with loving kindness for all life. May You be safe from dangers within and without. May You be healthy in body, mind, socially, and spiritually. May You be at ease and happy, doing good in the world.
I am an experienced solo estate planning, debtor bankruptcy, and real estate attorney. At my law firm in Bellevue, Washington between Eastgate and Factoria, I do things a little differently. I am passionate about helping people take control of their lives.
One of my primary practice areas is urgent (bankruptcy), and the other is important, but not urgent (estate planning). Not letting the urgent crowd out the important is key. I have made a choice to include the positive difference I make in the life of each client in how I calculate profit. This means I have higher job satisfaction, and happy clients who confidently give referrals.
My goal is that my work is transformative for people during a challenging time in their lives. At Mulvaney Law Offices, PLLC (MLO), you will not find a gatekeeper. There are no forgotten cases hiding on an associate’s cluttered desk. It’s just me, working with each one of my clients one-on-one to resolve their legal concerns as favorably as possible.
As your lawyer, I will personally handle every aspect of your case. My office is not a factory churning out thousands of filings per year, where each case matters little. You, and your case, matter to me. You can see what clients have said about me, and leave your own reviews at these links.
Mulvaney Law Offices, PLLC is located in Bellevue, Washington, representing estate planning & chapter 7 and chapter 13 bankruptcy, clients in all 39 Washington Counties.
Washington State residents can meet with me in Zoom/DocuSign from anywhere in the world, and I can notarize their electronic signatures because I am a remote online notary. Just email me an image of your photo ID.
