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Yeah, but when I called the credit card company in December, they told me I had until October 31 of 2009 to close the account to reject the changes. Had I been sent the change of terms in August of...

You should search this site under demand strict proof. There was some valuable legal info posted in 2008. Some times law firms take over debt from another company and pursue means of collection that...

I have had an account with 1st financial bank usa since I was in high school. When I opened the account the APR agreement was that all transactions under $250, excluding balance transfers, would have...