![]() There are also dozens of laws under the FDCPA that debt collectors have to abide by in mailing a collection letter to debtors.A debt collector may not make misrepresentations to you to try to trick you into paying the debt.A debt collector may not use profane language or threaten you with violence.A debt collector may not call you at work if they know that your employer does not approve of debt collection phone calls.A debt collector must not make excessive phone calls.A debt collector cannot attempt to collect debt discharged in bankruptcy.A debt collector cannot threaten legal action or lie to you to pressure you into paying the debt.A debt collector must stop calling you if you tell them to cease calls in writing.A debt collector cannot pretend to be a Court or a federal authority.A debt collector has a duty to send you validation of the debt if you request it.The debt collector must candidly tell you that they are a debt collector and that they are attempting to collect a debt and must disclose who the original creditor is.This doesn’t mean that a debt collector can call others to look for you, but they cannot disclose to them that it is with regard to a debt. ![]() If they tell anybody else about your debt, they have violated the FDCPA. The debt collector is forbidden from disclosing your debt to anybody but you.Typically, a debt collector cannot call you early in the morning (before 8am) or late at night (after 9pm). The fair debt collection practices act forbids debt collectors from calling consumers at odd hours.If Comenity hires a third party debt collection agency in an attempt to collect a debt from you, be sure to know that it is illegal for the debt collection agency to do any of the following: Debt collection harassment and deceptive practices can come in the form of phone harassment and even through deceptive collection letters. Read about more debt collection agencies hereĬomenity either attempts to collect debts from consumers directly or through third-party debt collectors. The FDCPA makes some of these practices illegal and allows for consumers to sue Comenity in Federal Court for violating the act. The FDCPA provides consumers a legal remedy when Comenity engages in abusive debt collection practices. It is important to know your rights under the Fair Debt Collection Practices Act (the “FDCPA”) so that you know what your recourse is when this happens to you. Thousands of people that have incurred debt with Comenity are the unfortunate victims of Comenity’s predatory debt collection practices. Comenity has over 30 million consumers who have a line of credit with it through its store credit cards. ![]() Your card probably looks to be store-branded, but flip it over and you’ll probably see the word “Comenity” on the back somewhere, or perhaps it’s competitor, Synchrony, which is functionally similar. If you don’t remember opening a Comenity Bank Credit Card, think back to whether you’ve opened a store credit card at any of the following stores:Ĭomenity Bank is a major credit card company that offers credit card services for all the above (and more) retail stores. ![]() Hire us as your lawyers in your debt collection harassment case against Comenity! We represent debtors for free! Imagine suing Comenity for those harassing calls, and making Comenity pay our attorney’s fees. The Fair Debt Collection Practices Act is a law that is designed to prevent debt collectors such as Comenity from harassing and abusing debtors and their families in America. Claims under the Fair Debt Collection Practices Act can be pressed in Federal Court and you will never have to pay our law firm to bring this claim. Do not blindly acknowledge that you owe any sort of debt. Is Comenity Bank Harassing You Over Past Due Debt?īefore you plan to pay back your Comenity debt as a result of their harassing phone calls, press your claim against Comenity for those harassing calls. ![]()
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