回複：Help: 難纏的Debt Collector,我該怎麽辦？？

I think you need to talk with your credit card company and explain the situation and ask them to drop the financial charge or make a deal. You could provide the billing statement to support your argument, but you are not free of responsibility. The key is you should close this issue fast so your credit history will not be impacted. $50 is really not a big thing vs. your credibility in this country. In my opinion, a better is pay this $ to avoid the credit ompany/collector reporting your record to credit bureau