[jjacksonesq]

This is interesting. What do you mean by "creating fraud?" This matter could fall strictly under contract law. Is there a written or oral contract between the billing company and the Program. If so what does it say about the frequency of charge backs? If there is no contract what is the industry standard on charge backs? If the industry standard on charge backs is that charge backs are done on a monthly basis then you could argue that the billing company violated industry standards and they should be "estopped" from doing the charge backs. I am not sure that I got the facts right so do not take this as legal advice. It is just something to think about.

I write an article for another boards news letter do you mind if I use the facts here to help those in the other board?