CREDIT POLICY

All charges are due and payable upon receipt f the initial billing. If you cannot pay the balance in full, please call our business office to arrange a mutually agreed upon extended payment plan.

You are responsible for payment of your account. If there is an overpayment by you, it will be refunded.

Errors or Inquiries About Your Bill

The Federal Truth in Lending Act requires prompt correction of billing mistakes.

1. If you want to preserve your rights under the Act, here’s what to do if you think your bill is wrong or if you need more information about an item on your bill.

a. Do not write on the bill. On a separate sheet of paper write the
following: (you may telephone your inquiry but doing so will not preserve your rights under this law).

i. Your name and account number
ii. A description of the error and an explanation (to the extent you
can explain) why you believe it is an error. If you only need more information, explain the item you are not sure about and, if you wish, ask for evidence of the charge such as a copy of the charge slip. Do not send in your copy of your statement unless you have a duplicate copy for your records.
iii. The dollar amount of the suspected error.
iv. Any other information (such as your address) which you think will
help the company identify you or the reason for your complain or inquiry. Mail it as soon as you can but in any case, early enough to reach the company within 60 days after the bill was mailed to you.

b. Send your billing error notice to the address on you bill which is listed
after the words: “Send Inquiries to…”.

2. The company must acknowledge all letters pointing out possible errors within 30 days of receipt unless the company is able to correct your bill during that 30 days. Within 90 days after receiving your letter, the company must either connect the error or explain why it believes the bill was correct. Once the company has explained the bill, it has no further obligation even though you still believe there is an error, except as provided in paragraph b.

3. After the company has been notified, neither the company nor an attorney nor a collection agency may send you collection letters or take other collection action with respect to the amount in dispute; but periodic statements may be sent to you. You cannot be threatened with damage to your credit rating or sued for the amount in question, nor can the disputed amount be reported to a credit bureau or to other creditors as delinquent until the company has answered your inquiry. However, you remain obligated to pay the parts of your bill not in dispute.

4. If it is determined that the company has made a mistake on your bil, you will not have to pay any finance charges on any disputed amount. If it turns out that the company has not made an error, you may have to pay finance charges on the amount in dispute, and you will have to make up any missed minimum or required payments on the disputed amount. Unless you have agreed that your bill was correct, the company must send you a written notification of what you owe; and if it is determined that the company did make a mistake in billing the disputed amount you must be given the time to pay which you normally are given to pay undisputed amounts before any more finance charges or late payment charges on the disputed amount can be charged to you.

5. If the company explanation does not satisfy you and you notify the company in writing within 10 days after you receive the explanation that you still refuse to pay the disputed amount, the company may report you to the credit bureaus and other creditors and may pursue regular collection procedures. But the company must also report that you think you do not owe the money, and must let you know to whom such reports were maide. Once the matter has been settled, the company must notify those to whom the company reported you as delinquent of the subsequent resolution.

6. If the company does not follow these rules, it is not allowed to collect the first $50 of the disputed amount and finance charges, even if the bill turns out to be correct.