Millions of these unfair finance agreements are written every year
. They do not adhere to the credit laws and are not legal, but you will only know if you take the time to look at your agreement to find out if you might possibly have a case. You might think to ask the credit card company or lender, but shooting yourself in the foot does not sound very sensible. Getting an agency to take care of your interest would be the wise thing to do. Look into your options and find relief from unfair financial practices.