Unwanted Credit Card Company Harassment Calls

Stop Unwanted Credit Card Company Harassment Calls at Home and at work. There are times in life when all of us get behind on things. Whether we take out more credit than we think we can afford, lose our job or unfortunately get sick. Life sometimes throws us a curve ball. Just because we owe money to a Credit Card Company such as Comenity Capital or Citibank, Synchrony, Macy’s etc. doesn’t give the collection agents the right to harass and threaten us for payments.

If you or someone you know is a victim of unfair debt collection practices and can answer YES to any of the following, you very well may be the victim of unfair debt collection practices.

Are you being Called daily by a debt collector?
Has the collector contacted your employer or your relatives?
Has the debt collector threatened you or used profane language?
Has The Debt Collector called you before 8 AM or after 9 PM?
Do you wonder if there is any way to make this stop?

Fortunately, there are things that you can do to make it stop, and maybe even get damages or reimbursement for your trouble.

A Credit Card Company may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1)The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

(2)The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector’s intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.

(3)The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

(4)Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

(5)Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

(6) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if—

(7) Communicating with a consumer regarding a debt by post card.

(8) Using any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.


If you feel you are a victim of Credit Card Collection Harassment call Legal Rights Advocates at Toll Free (855) 254-7841. We are a free service and A+ Accredited Members of The Better Business Bureau.

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