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The proliferation of electronic payment methods has, to some extent, left consumers vulnerable. Sophisticated sales organizations exploit the fact that they can quickly and easily make deductions from bank and credit card accounts, sometimes without the account-holder even realizing it. One effect of the increased popularity of electronic payment methods that has been abused with alarming frequency is that consumers reasonably assume the charges placed on their accounts, and representations concerning their responsibility for those charges, are not the product of mistake, neglect, or intentional malfeasance. Some consumers, without even knowing it, have been the victim of an unfair trade pra...

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