Let’s face it, mistakes and errors happen. So, if you’re having a problem with one of your credit card accounts and are unsure of what to do next, here is an easy 6 step plan to get things resolved…

1. Send a letter to the creditor within 60 days of finding the error. Give your name, account number, problem and the amount involved.

2. Pay the part of the bill that is not disputed. You will not have to pay finance charges on the amount in dispute unless it is discovered that the bill was truly yours. If you are responsible for the amount, you must pay the finance charges that accumulated during the time the complaint was being resolved.

3. A creditor must respond to your letter within 30 days or correct the bill. Your bill must be corrected within two billing periods or 90 days or you should receive a statement saying why the bill is correct.

4. If the bill is still disputed after the negotiation period is over, the creditor may report your delinquency to the credit bureau. Check your credit file. You have the right to add your statement to your file, which will be included in response to all future inquiries.

5. Most credit card companies have toll-free numbers, others accept collect calls. Always note the name of the person you talk to. Follow up your call with a letter to document your case to preserve your billing rights. You may wish to send a certified letter with a return receipt requested, which will show you have fulfilled your side of the credit agreement. Keep copies or records of all correspondence, documents and calls.

6. If you have taken the above steps in the complaint process and the creditor does not follow the rules, you will not be required to pay the amount in question (up to $50 and finance charges), even if the bill turns out to be correct. You also may sue for actual damages plus twice the amount of finance charges, not less than $100 or more than $1,000 and reasonable attorney fees.