What to do after you are rebilled. Some freindly advice

I decided to write this instead of responding to a bunch of theses posts , i am not looking for thanks or to unfairly raise my post count with spam but to provide an honest and helpful guide for what to do after being rebilled. It is being shown that alot of stores are starting to rebill however even if you are the victim of a rebill i want to reasure you that you will get through this and 90% + get to perserve your refund

so what are my options if i have been rebilled? assuming you did not use a gift card method there are several things you should do.

1. file a chargeback with your bank for an unauthorized charge this will make them reissue you a new card 9/10 this will make the problem go away with no further work from you but a simple phone call. most of the time if it is a debit card they will provide you with a credit for the amount or if its a credit they will take it off your bill till the dispute outcome is finalized , however in case you lost go to step 2

2. file a dispute claiming the merchandise was defective and you returned it , this is where you upload your broth of tracking and the slip you got from ups when you dropped it off, if you were smart like me you boxed them or ftid with the correct weight and extra points for signature confirmation. again 90% you will win here . if your bank says no go to step 3

3. file a complaint with the cfpb and bbb claim against your bank and wait for the results. these cuase the higher ups to look into the matter and usually to avoid bad pr they are more then likely to make the outcome in your favor just to make you shut up and go away. this option is completely free and has about a %50 -%50 here.

4. post on social media. I and several others here offer social media boosting services, so what you can do is post a tweet or complaint on the company Facebook page and make it go viral by buying fake traffic, making the company think that alot of people are watching this or care about you and your particular case. this method is the most costly and again is %50-50

Please remain clam and think clearly your life is not ending, and this can be fixed with all the methods together you have 99% percent chance of recovering from this.

I will also be offering to fix rebills via the above methods for anyone looking for personal help, since every case is different i cannot provide a rate feel free to reach out to me to discuss

what if they send it to collections? dont worry , please get it and tear it up, it does not effect your credit since you made no agreement when buying it that you were taking out alone .. this will not show up on your credit report, i have gotten these personally from past se's and always discard them..

I hope this post can provide some help or guidance to everyone in the wake of everything that is happening

Do I HAVE TO PAY A REBILL? WHAT ABOUT A PARKING TICKET OR TOLL VIOLATION?

You didn’t have a contractual agreement to pay the debt. Another result of the settlement in was that credit reporting agencies can no longer report debts that aren’t a result of a contract or agreement you signed. In other words, if your debt from a parking ticket or library fine gets sent to a collection agency, it won’t be added to your credit reports.

https://www.magnifymoney.com/blog/fe...ars1233887230/

Can my personal property be seized In bankruptcy??

The following kinds of personal property are exempt from debt collection and cannot be seized:

Household goods, like furniture, clothing, and appliances
Medical equipment, such as a wheelchair
One television, one radio, one computer and one cell phone.
Personal items like jewelry and art, not exceeding $1,000 in value
Items that you need for work, “tools of the trade,” not exceeding $3,000 in value.
$1,000 in personal property or cash, IF you are not claiming a homestead exemption
Your car aslong as it worth less then 4k ( can be worth more aslong as there is a loan against it)

Should I dispute the debt even if I think I probably owe the money?

Yes!!!!. When it comes to the amount that you owe, and the creditor to whom you owe it, why trust the word of the debt collector? The debt collector could be lying, or it could have bad information. The dispute and verification process is designed to provide you with accurate information about your debt, so that you have the information you need to decide what to do about it. There is no reason to give money to a debt collector who cannot or will not provide you with this information.

RIGHT TO NOTICE OF DEBT: Within 5 DAYS of first contacting you, the debt collector must send you a letter telling you:

the amount of the debt
the name of the creditor
information about what you can do if you think there has been a mistake or you don’t actually owe the money

You have thirty days from receipt of this letter to dispute the debt.

How do i dispute a debt

Within 30 days of receiving the written notice of debt, send a written dispute to the debt collection agency. Once you dispute the debt, the debt collector must stop all debt collection activities until it sends you verification of the debt. You can also use the sample dispute letter to discover the name and address of the original creditor.

As with all dispute letters, you should keep a copy of the letter for your records. Also it is a good idea to send the letter certified mail, return receipt requested, so you have proof that the debt collector received it. (If certified mail is too expensive, you should at least get proof of mailing. Consult your local post office for your options.)

i will be offer debt disputing credit repair help for the mgphers in debt feel free to contact me for info on im

Please do not pay your debts , debt collectors suck

What to do after you are rebilled. Some freindly advice

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