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make sure that all other options for dealing with your 
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Federal/State Credit Laws

Federal Laws Concerning Credit
The Fair Credit Reporting Act  (FCRA)
Guarantees your rights regarding your credit file.  If you 
are turned down for credit due to a credit report, you can 
learn the information in it from the credit bureau at no 
cost.  Otherwise, disclosure of the information in your file 
by a credit bureau involves a fee.  While correct 
information cannot be changed, you have the right to dispute 
incorrect information in a credit report. 
The Equal Credit Opportunity Act
Requires that credit grantors extend credit fairly and 
without considering race, color, religion, national origin, 
sex, marital status, or age (with certain exceptions). If 
you are turned down for credit you are entitled to the 
specific reasons for the creditor's action. 
The Fair Credit Billing Act
Says that if you receive a billing that you feel is 
incorrect and you notify the creditor within 60 days, the 
creditor must either correct the bill or send you an 
explanation within 90 days. 
The Truth in Lending Act
Requires credit grantors to tell you what using credit 
really costs (like interest rates, minimum monthly payment, 
etc.). 
The Fair Debt Collection Practices Act
Prohibits harassment by debt collectors and requires that 
they verify for you the amount owed. 
Your Liability for Fraudulent Credit Card/Debit Card/Cash 
Machine Card Charges Is limited under certain circumstances, 
but continues until you notify the card issuer of your 
cards' loss/theft. 
 
Cease and Desist Letter
Arthur Ball
323 Elm St.
Hayfield, NY 12117

February 14, 1994

Attn: Mr. D. B. Smith

North American Collections Specialists 
1313 Main Street, Suite 500
Hayfield, NY 12116

RE: MasterCard account #5419 1254 5778 9101

Dear Mr. Smith:

Greetings!
You are hereby notified under provisions of Public Laws 
95-109 and 99361, also known as the Fair Debt Collection 
Practices Act, that your services are no longer desired. 
1)	You and your organization must CEASE & DESIST all 
attempts to collect the above debt.  Failure to comply with 
this law will result in my immediately filing a complaint 
with the Federal Trade Commission and this state's Attorney 
General's office.  I will pursue all criminal and civil 
claims against you and your company. 
2)	Let this letter also serve as your warning that I may 
utilize telephone recording devices in order to document any 
telephone conversations that we may have m the future. 
3)	Furthermore, if any negative information is placed on my 
credit bureau reports by your agency after receipt of this 
notice, this will cause me to file suit against you and your 
organization, both personally and corporately, to seek any 
and all legal remedies available to me by law. 
Since it is my policy neither to recognize nor deal with 
collection agencies, I intend to settle this account with 
the original creditor. 

Sincerely,

Arthur Ball

AB:lr

 
Bill of Rights
Trans Union Rights:
1.	The right to know what is in your credit file and to 
receive a copy of that report with proper identification. 
2.	The right to receive credit file disclosures during 
normal business hours and on reasonable notice (1) in 
person.  If you appear in person and furnish the proper 
identification, (2) by telephone.  If you first make written 
request with proper identification and pay for any toll 
charges, or (3) by any other reasonable means available to 
the credit reporting agency and authorized by you.  For in 
person disclosure you may be accompanied by one other person 
of your choosing, although you may be required to furnish 
written permission for your credit file to be discussed in 
the other person's presence. 
3.	The right to receive a free credit report within 30 days 
(per the Fair Credit Reporting Act) of being denied credit 
or employment based on information in a Trans Union report . 
 Trans Union's current policy provides for a free report 
within 60 days of denial. 
4.	The right to request re-verification of information in 
the file and to have it removed if inaccurate or 
unverifiable and to have those results sent to anyone who 
has received your credit report within the past year or two 
years, if for employment, if you so request. 
5.	The right to receive the results of the investigation of 
disputed information within five business days following the 
completion of the reinvestigation. 
6.	The right to have the credit reporting agency review all 
information you submit which is relevant to the disputed 
information. 
7.	The right to receive written notification within 5 
business days from the credit reporting agency when 
information you disputed is deleted from your credit file 
because it could not be verified, but is subsequently found 
to be complete and accurate and is reinserted into your 
credit file. 
8.	The right to know who has received your credit report 
within the past six months or in the last two years, if for 
employment purposes. 
9.	The right to add a statement of 100 words or less to your 
Trans Union credit file to explain any disputed 
information. 
10.	The right to have your credit report only accessible to 
those entities with a permissible purpose. 
11.	The right to request the credit reporting agency to 
provide you with a description of the procedure used to 
determine the accuracy and completeness of the information 
disputed, including the name, business address, and 
telephone number of the person contacted during the 
reinvestigation. 
12.	The right to have adverse information removed after 
seven years (or the time period upheld by your state's 
legislation) from the date of delinquency charge off or 
placement to collection (including successfully completed 
chapter 13 bankruptcy) or after 10 years from the date of 
filing chapter 7, 11, 12 or 13 bankruptcy. 
13.	The right to have your name and address removed from any 
direct marketing solicitation which uses data from a credit 
reporting company.  
14.	The right to bring legal action against a credit 
reporting agency for the failure to comply with its 
obligations under the Fair Credit Reporting Act, if you do 
so within two years after the agency fails to comply.  You 
have the right to recover an amount equal to actual damages