Home Based Business Atlanta

i do have a home based travel agency business and one client did a chargeback of US$ 3160.00. How can I be?

protected by this kind of bad faith. The client travel round trip with the agreed airline/itinerary and dates and I do have her
copy of credit card and driver;s license along with a signed authorization form for the right amount charged, she purchased tickets for her and her family, even though she did a chargeback and we got a debt memo with no chancge to
reply back, she canceled her credit card, eveything was done after she came back from her trip. The bank was Chase and we got a debt memo letter with no chance to proof that she had purchase these tickets, they said was unautorized..
Since we are in NYC and she is in Atlanta we did not get an imprint with the original signature (what we call UCC form) and aparently that is the only thing that could protect us.
I need advise please, since now we will have to travel to Atlanta to start a law suit in the Small Claims over there and this itself will cost a lot of money, maybe half of the total.
How small biz can protect ourselves?

YOU lost $3160 or that was the total airfare? I seriously doubt it will be worthwhile for you to travel to Atlanta to file a Small Claims action … which you could lose .. who ever knows what a small claims court will do?

You need to understand clearly what rights you have under your merchant bank account.

It sounds like fraud but who bears the risk under those circumstances? and maybe she was screwed around by the airline and they decided to refund the fare …

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