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Many people are unaware that each of the fifty states writes its own unique statutes regarding corporate structuring, operational requirements, legal protection (such as the corporate veil) and personal privacy protection.

Understand that these are two totally different things and you have different rights for each. The Fair Credit Billing Act (FCBA) applies to the following “billing errors” on credit cards: of goods and services.

So if you purchased something defective, it would not be considered a “billing error” (but we’ll talk about disputing the quality of goods and services a little bit later).

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