About Michael Brotherton Expertise Consumer/Debtor Rights Advocate.
Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years.
Mike is well versed in Loss Mitigation practices and the legal collection process. He has helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com.
FinancialEmergency.com is a consumer web site which actively promotes Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY.
Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be.
Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems.
www.financialemergency.com (copy and paste in browser).
Experience 30 years experience negotiating disputes and resolving financial issues related to consumer debt, corporate debt, and mortgage restructuriing.
Question Who do I contact regarding an issue with a credit card company that can not be resolved? There was a charge put on my credit card that was not authorized. I have been calling for at least 5 months and every month they say they have cancelled the charges but they keep showing up. I have dates and names of the people I have talked to. Because these charges keep going on automatically it puts my account over the limit so they charge another fee because of it. On December 5, 2008 I was told they were going to credit the account for $11.98 for two months charges (November's and December's because it was already too late to stop December's charge) In checking today nothing has been done but I was guaranteed it would be (as I have been every other month. In the meantime $39.00 fees keep getting added. Is there a part of the Better Business Bureau I should be asking for help? Thanks so much.
Answer Send a letter by certified mail return receipt requested advising them to cancel the charges once and for all or you will file a complaint with the FTC and your state attoreny general. You can also file a complaint with the FDIC and comptroller of the currency. These are federal enforcement agencies that can put a lot of pressure on the bank to get it together and fix the problem or face sanctions including fines. This should do tthe trick. If not, file the complaints.
