Other then mortgage loans, there is an entire area of deception and fraud that can exist in the extension of open ended credit, like a credit card. Credit card companies engage in such abusive practices as exorbitant fees and rates, non-disclosure of credit terms, teaser rates and the list goes on. Credit card companies are also charged with duty under Federal Law to bill a consumer accurately as well as report on their credit report accurately. Federal Law prohibits the false or inaccurate billing procedures by a financing institution as well as the proper and the accurate reporting of information on a consumer's credit report. Credit card companies, their debt collectors and their process servers are regularly challenged for not properly serving consumers with the initial lawsuit papers ("sewer service") allowing them to obtain quick judgments against a consumer whether or not the consumer is actually the right person sued, or that person truly owes the alleged debt A consumer may first learn of the debt, whether valid or not, when their bank account is frozen or their wages are garnished, or some other asset taken by enforcement of the illicit judgment.

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