When Portia Moot's financial condition became so moribund that she stopped paying all her debts, Octopus National Bank (ONB), which was annoyed that she currently owed $578 on the credit card it had issued her, simply took this amount from Portia's checking account at ONB. This caused other checks of hers to bounce, and she is furious. The Truth in Lending Act's 130, 15 U.S.C. 1640, allows her to recover actual damages, a small amount of punitive damages, and her attorney's fees for violation of the TILA rules. If she calls you, her attorney cousin, for advice, what do you say to her