IN MAY 2000 I TOOK A $4,000 BILL CONSOLIDATION LOAN WHICH I USED TO PAY OFF THE FULL BALANCE ($4,000) OF A HIGH INTEREST CREDIT CARD.
FOR THE NEXT SEVEN MONTHS MY CREDIT CARD STATEMENTS SHOWED AN OUTSTANDING BALANCE OF ZERO, BUT IN JANUARY 2001 I RECEIVED A BILL FROM THE CREDIT CARD COMPANY...