Proven Small Business Ideas&Opportunities

Long Island, New York (PRWEB) December 20, 2011

Credit card billing disputes are the most common national consumer complaint, according to a consumer response report published in November 2011 by the Consumer Financial Protection Bureau, which is a U.S. governmental agency that enforces federal consumer financial laws.

The Consumer Financial Protection Bureau (CFPB) collected various credit card-related complaints from consumers over a three-month period and analyzed and how they were handled by credit card companies. The CFPB provided the report to law enforcement authorities in order to make markets more effective for consumers and to protect the nations consumers from unfair or deceptive practices.

Consumers who currently have billing disputes with credit card providers can seek a remedy for their dispute under the national Fair Credit Billing Act. This Act, which is part of the Truth in Lending Act, allows consumers to dispute with a credit card company various types of billing errors.

According to Andrew M. Doktofsky, a billing dispute lawyer in Long Island, The Fair Credit Billing Act provides a remedy for consumers who have disputes associated with open-end credit, including credit card companies. The FCBA covers a variety of consumer billing disputes. Once an individual gives the creditor timely notice of a billing error, the creditor is not permitted to take any action to collect the disputed amount from the consumer, until the creditor conducts a reasonable investigation of the billing error. Further, the creditor cannot report the consumer as delinquent, or threaten the consumers credit rating, pending resolution of the disputed amount.

A consumer may dispute any of the following types of credit card billing errors:

????Unauthorized charges,
????Incorrect billing statement amounts,
????Payments or credits not posted to the account,
????Charges not identifiable from the information provided,
????Charges for goods or services not accepted by the consumer,
????Charges for goods or services not delivered or accepted as agreed,
????Charges listing the wrong charge amount,
????Math or computation errors on the billing statement, and
????Bills sent to an incorrect address.

If the creditor fails to comply with the FCBA, the consumer may sue the creditor under the Fair Credit Billing Act to recover actual damages, statutory damages and attorneys fees and costs. The statutory damages awarded are twice the finance charge, with a minimum of $ 500 and a maximum of $ 5,000.

The CFPB will provide another avenue for consumers to seek protections against unlawful, deceptive, abusive or unfair creditor practices. The agency aims to send consumer complaints to the credit provider or credit card company complained about, and permit the lender to address the complaint with the CFPB within 15 days and explain what they are doing to resolve the issue.

Long Island unlawful creditor practice attorney Andrew M. Doktofsky stated, Unfortunately, many creditor complaints have not been responded to and have been ignored in the past, which is a predominant reason why so many consumers rank billing disputes as their top complaint. Previously, consumers have been required to pursue legal action in order to achieve any type of resolution. Hopefully, the CFPB will begin to regulate creditors and unlawful creditor practices in order to reduce unnecessary litigation.

Other consumer complaints ranking near the top of the report included interest rate issues, fraudulent charges and financial scams. The CFPB has also recently started to take complaints regarding home mortgages and other home loans in an effort to reduce the number of consumer complaints in this lending area. Congress gave the CFPB the ability to overhaul and oversee credit card companies, mortgage lenders, student loan lenders and other financial products in 2010.

Andrew M. Doktofsky is a Long Island consumer lawyer and represents clients throughout Suffolk County and Nassau County, New York, including the areas of Deer Park, Hempstead, Freeport, Long Beach, Glen Cove, Brentwood, Islip, Babylon, Huntington and Commack.

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Elberton, GA (BUSINESS WIRE) 10 December 2011 Rehabmart.com is an online e-tailers, rehabilitation and medical markets, together with OxyHealth, a medical industry leaders in hyperbaric therapy to help increase that this lifesaving treatment for consumers in their homes, offices and even while they are traveling. Hyperbaric therapy, widely used since 1930 to heal decompression sickness in the Deep Sea Diver help is now recognized as a valuable treatment option for other diseases, such as carbon monoxide poisoning, infections, ulcers and gangrene. Each of the sports teams for parents of children with special needs are used to find this new product. Rehabmart.com one of the first-line medical supply store businesses in the portable hyperbaric chamber for OxyHealth Respiro 270 patients, provide better treatment outside of the typical hospital environment.

Hyperbaric Therapy (HBO) contains a house that increases air pressure is three times higher than normal air. This pressure can increase the blood through the body more oxygen, which in turn can help promote healing. Now that the hyperbaric chamber 270 OxyHealth Respiro HBOT is a convenient, safe and effective treatment for everything from altitude sickness to sports injuries. Several National Football League players have bought pressure chambers to their homes, and some players even have to use a second chamber on the road to avoid them without their interruption of therapy. Can maintain

Hulett Smith, founder and CEO of Rehab Mart have found the product to be proud of in his own life is of inestimable value for his company and helps to bring this therapy into homes across the country. “The OxyHealth hyperbaric chamber, a life was changing mode alternative intervention that my family had our oldest daughter Sophia treated with low-cost airlines hyperbaric oxygen therapy in the comfort of your own home, said Smith. Sophia born with a brain injury was, and HBO and other integrative approaches helped her to get on a path to improved neurological wellness. As a result, Sophia is now a happy and healthy nine years old child who is in a regular education third grade classes enrolled. “

chamber is a Class II Medical Device, the FDA for home use, sub-acute care in hospitals and will be deleted. Pressure chambers are safe because they use filtered ambient air (ambient air), so there is no risk of oxygen toxicity in the body, the other with hyperbaric oxygen chambers, which can occur using an oxygen tank. Mild hyperbaric therapy can be safely used with almost all other treatments. For more information about this product, go to http://www.rehabmart.com/product/oxyhealth-respiro-270-hyperbaric-chamber-34338.html.

About

Rehabmart.com:

As occupational therapists have, the founder of Rehab Mart, breadth of knowledge and experience necessary to meet the needs of its customers with the latest innovative products in medical treatment and rehabilitation equipment is in compliance. As parents of children with special needs, they have an interest in the search for the best products to life for those who are disabled and medically challenged to improve. Rehabmart.com will provide for excellent customer service, competitive prices and exceptional product.

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More service selling press releases

Bellevue, WA (PRWEB) April 29, 2011

PeopleFinder.com, a Digimedia property and a leading resource in public records and people search, suggests caution in the search for affordable health insurance. According to insurancefraud.org, discount health card scams are spreading rapidly. Some offer valuable benefits for people who don’t have health insurance. Many are deceptive and fraudulent, taking advantage of older Americans.

Discount health cards claim to offer reduced fees for physician visits, hospital stays, prescriptions and other treatments. It is important to understand that these plans are not health insurance. Fraudulent discount plans fail to make good on these claims. Many states have found that while some plans provide some legitimate benefits, many offer very little in return for the money.

The FTC recommends investigation of medical discount plans before taking the plunge:

1. Ask for a list of providers. Get the list in writing. PeopleFinder.com offers address lookup services. Simply enter the address of the provider to be sure it is a legitimate location.

2. Ask for a website for more information. See doctors in the local area that accept the plan and call to see if they give the discount the plan provides. If no phone number is provided, look up the doctor’s name on Peoplefinder.com to find the number.

3. Investigate details. Read the fine print; get references from others who are currently using the plan.

4. Report fraud to the local consumer protection office, and to the Better Business Bureau.

Ask the right questions of the Medical Discount Provider:

1. Is it insurance or a discount card? Know the difference. Insurance will often cover most of the treatment cost, while a discount card requires individuals to pay, but at a reduced fee.

2. Does the card offer discounts on the specific treatments needed? Find out exactly what medicine, treatments, and services are included.

3. Are the prices listed? Do they offer a clear discount?

4. Are there hidden fees? Are there administrative fees that will quickly eat up the discounts?

5. Are other people complaining? Research the company. Use PeopleFinder.com to uncover information on the company.

The price consumers pay for participating in a scam medical discount program can be high. Patrons may be saddled with large medical bills, health care can be compromised, and money and financial information can even be stolen. Discount cards should never be purchased over the phone, and any information on the company should be researched on PeopleFinder.com to ensure validity.

About PeopleFinder.com

People Finder is a resource for people searching online. In addition to free people search, People Finder has search portals for public records services, such as background checks, cell phone directories, criminal records and more. People Finder provides yellow and white pages and gives instant access to billions of records.

About Digimedia

Digimedia owns and maintains one of the highest-regarded generic domain portfolios in the world. Properties include PeopleFinder.com, Recipes.com, FantasyFootball.com, Charis.com, Dress.com, Trips.com, Clinic.com and many more. Digimedia?s core goal is to help people by using each domain as a foundation. Digimedia is passionate about investing, building and providing information.

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About 50% of all Internet searches are for local business in a specific region or geographic location. That is a massive Internet marketing opportunity for business like yours.

Imagine if you could get them search for you and your business. You want to get a piece of this action. And now when it’s possible to target consumers by city.

More and more consumers will use the Internet to find the goods they want. Local advertising market online is booming. It’s predicted to have passed $50 billion by now.

What does this mean for you and your business?

It means that there are great benefits if you get online. The more local merchants get online consumers will follow.