Have you been receiving a lot of calls lately from Comenity Bank’s in-house collections and billing departments? Are you curious why they are calling you about collecting on a past due debt that you owe on your Victoria’s Secret credit card, or past due debt that you owe on another store issued credit card? It’s because Comenity Bank is the company that actually issues store credit cards for Victoria’s Secret along with many other retail chain stores. So you actually owe Comenity Bank the money instead of the store in which you took out the credit card in the first place.
Now that you understand why Comenity Bank’s in-house collections and billing departments have been calling you, it’s time to explain a few things about how they may or may not be going about it. First and foremost, any company that you owe money to is allowed to attempt to collect that money. That being stated, there are rules and guidelines that debt collectors must abide by. If they are not following those rules it may be considered to be a case of debt collection harassment otherwise known as debt harassment. For example, debt collectors are not allowed to contact you if you instruct them not to contact you.
That certainly does not mean that the debt magically disappears, it just means after you instruct them to stop contacting you they can no longer do so. It should be noted that you may very well be sued in a court of law. Even though the debt collector cannot contact you directly, they can still attempt to collect the debt through the court system. In addition, debt collectors are not allowed to harass you in any way when speaking with you on the phone or contacting you through other methods such as the mail. That means they cannot make threats.
They cannot have you arrested for not paying off your debt. They cannot garnish your wages for not paying off your debt. They cannot cause you any physical or emotional harm whatsoever for not paying off your debt. Once again, they can only sue you in a court of law, where a judge may or may not rule in their favor. By the way, the only way you can be arrested for having a past due debt is if the debt collector sues you in a court of law, and you fail to appear in court at the appointed day and time. At that point the court may very well issue a warrant for your arrest.
Unless you give them permission, a debt collector cannot use an automated dialing machine or make robo calls to your home phone or your cell phone. If they do, it is considered to be a form of debt harassment. Although most consumers are unaware of this, you may actually be entitled to receive upwards of $500 each and every time that this occurs. At times, Comenity Bank’s in-house collections and billing departments are dropping the ball in this regard.
That means they may very well be using automated dialing machines and robo calls when contacting you. This holds especially true if you are receiving calls from more than one of the following phone numbers.
800-675-5685, 800-305-1215, 800-695-1788, 888-332-4728, 855-506-2495, 913-312-9488, 720-356-3688, 732-806-3199, 609-400-7010, 614-754-4136, 614-729-9025, 614-729-9031, 614-729-6040, or 614-729-4000.
The bottom line is that you have consumer rights and must be treated fairly by all entities that are attempting to collect a debt from you that you owe them including Comenity Bank’s in-house collections and billing departments. If your consumer rights are being violated you absolutely need to do something about it starting today. We are here to assist you with the entire process.
If you feel that you are being treated unfairly by Comenity Bank’s in-house collections and billing departments, please contact us immediately. Legal Rights Advocates, Inc is a consumer advocate law firm that focuses on consumer rights protection services across the Unites States. We have well over twenty-five (25) years of combined experience helping consumers that are experiencing Debt Collector Harassment, Social Security Disability issues, and a whole lot more.
LRA is truly your consumer rights advocate. We take great pride in the fact that our job is to protect you from deceptive and or abusive debt collection practices. Our goal is to assist you each and every step of the way regarding your rights for consumer protection. Please call us today for more information at 855-254-7841. We look forward to working with you.
(855) 254-7841
(855) 254-7841
