Truth in Lending: 7.9.6.4 Creditor’s Collection Efforts over the Disputed Amount
The creditor cannot attempt to collect the amount in dispute or related charges prior to resolution of the alleged error.1094 This protection applies even if the ultimate resolution of the dispute is that the consumer does actually owe the disputed amount.1095 In addition to constituting a FCBA violation, an attempt to collect the disputed amount may violate state debt collection or UDAP laws.1096