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(a) A creditor may establish a presumption of correctness of its ownership of the credit card account and the amount of the charges and interest that is owed on a credit card account by:
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(1) Filing a copy of the credit card issuer’s final billing statement or charge-off statement; or
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(2) Filing a compilation of the data maintained by the original creditor, credit card issuer, or succeeding creditor in the regular course of business.
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(b) The cardholder may dispute the presumption with any credible evidence as allowed by state or federal law.
