The extra money this costs pays for your proof that the company got your letter and who signed for it. The Consumer's Resource Handbook offers tips on buying products and services, and lists contacts for information and assistance. If you're not sure which federal agency has jurisdiction over your inquiry or complaint, contact the Federal Information Center listed in the U.S. government section of your phone book. Some businesses require consumers to arbitrate their disputes and waive their right to go to court. Check your contract or product packaging for details.
Some programs are free.
Others charge a flat fee, or a rate based on your ability to pay. However, it's up to you and the other party to reach an agreement. Arbitration is less formal than court, though you and the other party may appear at hearings, present evidence, or call and question each other's witnesses. Unlike mediation, an arbitrator or panel makes a decision once you've presented your case. The decision may be legally binding.