Designed for the general public and possibly suitable also for high school economics students, this pamphlet explains how to resolve a billing dispute in a way that protects the customer's credit rating and legal rights. The pamphlet focuses on specific requirements of the Fair Credit Billing law and presents the following: (1) six legal criteria for challenging the purchase or the price of an item that appears on a billing; (2) the legal obligations of the creditor and five steps the customer can follow in case of billing errors; (3) the legal prohibition against creditors giving out information that might damage the customer's credit rating once the customer has given written notice of a possible error; (4) the provision for the withholding of payment of any balance due on defective merchandise or services; and (5) penalties mandated for creditors who fail to comply with the Fair Credit Billing Law. The final section presents a list of names and locations of federal enforcement agencies which deal with questions concerning particular creditors. (LH)