Is the debt collection agency Amcol Systems harassing you?

by Paul Mankin

Is the debt collection agency Amcol Systems harassing you?

Have you been contacted by Amcol Systems? Unsure of who they are or what they do? Being contacted by a debt collection agency can be extremely scary, and if you have been on the receiving end of a call from Amcol Systems, here are the things you need to know about them moving forward.

What is Amcol Systems?

Amcol Systems is listed as a debt collection agency that has been in service for many years. They work to help with self-pay debts, debt recovery, and insurance resolutions. They specialize in self-pay collection, bad debt recovery, insurance claims resolution, and revenue cycle solutions exclusively for the healthcare industry. 

Is Amcol Systems a legit debt collection agency?

Although they work in other facilities, they are a legitimate debt collection agency. According to the Better Business Bureau, they have been in business for 35 years, having been started in 1984 in South Carolina. Since then, they had their BBB file opened in 1986, and became accredited in 2013. They currently hold over 200 employees and have an A+ Rating with the BBB. However, they currently have 1 star out of 5 stars on their review, with one customer review made.

Amcol Systems Contact Information

Address: 111 Lancewood Rd Columbia, SC 29210-7523

Website: http://www.amcolsystems.com

Phone Number: 1-803-798-6370

Other Phone: 

Fax Number: 1-803-798-4966

Does Amcol Systems have complaints against them?

Amcol Systems currently has 3 customer complaints listed against them on the BBB database. They also have a single customer review on their database against Amcol Systems.

Amazingly, when searching for Amcol through the Consumer Financial Protection Bureau’s Consumer Complaint Database, there were over 490 complaints lodged against Amcol Systems. 

What kind of Complaints have been made?

The complaints lodged on the BBB database deal with attempts to collect on debts, and improper information used to try and elicit payments from consumers without their knowledge. All 3 of the complaints against Amcol Systems on the BBB are related to billing and collections.

The review given on the BBB website states that the Amcol representative was rude and abusive in terms of language used and questions asked.

Of the 490 complaints made against Amcol Systems on the CFPB’s CCD, the top three issues stated were debt collection attempts on invalid debts (119), continued attempts to collect on debts not owed (92), and misinformation or no written notification of debt (87). There are plenty of other issues, such as aggressive and negative language used to try to elicit payments, or threats to take legal action against the consumers.

Are the Practices of Amcol Systems Legal?

According to the Fair Debt Collections Practices Act (FDCPA) and Rosenthal Fair Debt Collection Practices Act (RFDCPA), most, if not all, of Amcol Systems’ practices are considered harassment and predatory in nature. The FDCPA is a set of rules and guidelines specifically tailored to help consumers, such as yourself, be protected against harassment and aggressive practices from debt collectors. These include, but are not limited to:

• Excessive and harassing phone calls and robocalls
• Contacting family, friends, and your work
• Aggressive and threatening legal action
• Misguiding or misinformation given to consumers

Of these listed reasons, Amcol Systems has a complaint lodged against them for these very practices. As such, their tactics are not legal and violate the FDCPA.

How can I protect myself and fight back against Amcol Systems?

There are a few steps that you can take to help protect yourself against Amcol Systems. The first is to get verification of the debt before they attempt to contact you further. Verifying the debt ensures that they cannot try to swindle you out of your money or attempt to get more than what is originally owed. Verification can come in many forms, such as a letter stating the debt amount, as well as the original debt holder, and can also be done through getting an online verification number for an online database where the debt information is kept.

If they continue to harass you and threaten you, look towards hiring a knowledgeable and experienced debt collection harassment attorney to assist you against Amcol Systems. We here at the Law Office of Paul Mankin, APC, have an experienced roster of debt collection harassment attorneys that have dealt with multiple debt collection harassment cases. We can assist you in identifying and documenting their harassment, as well as getting them to stop their calls and letters and reporting them to the proper authorities.

Not only can we help you to defend against debt collection harassment, we can also help to build a case, and assist you in understanding where the illegal collection patterns are for debt collectors. We are also able to help facilitate any communications or discussions between the parties, ensuring that nothing you say can be used against you.

The most important bit of information in your fight is to always remain vigilant. No matter who you have at your side, it can seem like a daunting battle against such a large company and agency. If you have ever been the subject of:

• Multiple calls per week from a third-party collection agency
• Multiple calls in the early morning or late night from debt collectors.
• Violent and belligerent language and harassment from debt collectors.
• Threats of arrests or poor credit due to outstanding debts.
• Having your friends, family, and coworkers harassed from debt collectors.
• Automated robocalls from third party collection agencies.

Then you may have a case available. So do not wait, make sure to give us a call, and get started fighting back against the debt collection harassment.

by Paul Mankin

Account Recovery Services, Inc.

Account Recovery Services, Inc. is a debt collection agency located in Goodyear, Arizona. It has been in business since 1992 and collects for all types of companies nationwide but specializes in collecting for the healthcare industry. 

Contact Information:

PO Box 7648

Goodyear, AZ 85338-0645

Phone: (480) 483-2190

http://www.arsincaz.com

The Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB) report a handful of complaints filed against Account Recovery Services, Inc. Complaints allege that the debt collection agency:

• Attempted to collect on a debt that was discharged in bankruptcy
• Refused to validate the debt
• Reported false information to the credit reporting agencies
  Used abusive language when attempting to collect on a debt
• Attempted to collect the wrong amount
• Failed to report a debt as disputed

The majority of the complaints against Account Recovery Services, Inc allege that the company is attempting to collect on a medical bill that should have been paid by the insurance company. This can be frustrating for consumer because the collection company cannot contact the insurance company in order to assist the consumer in resolving the matter because of privacy laws. It is up to the consumer to work it out with the insurance company and their healthcare provider and the collection agency will continue collection attempts until the healthcare provider tells them that the debt has been paid. If you are being harassed by Account Recovery Services, Inc. to pay a medical bill that your insurance company is responsible for, please see this article for information on what you can do to resolve the issue.

The Fair Debt Collection Practices Act (FDCPA), which was enacted to help protect consumers from unfair, deceptive, and abusive collection practices prohibits debt collectors from using certain practices when attempting to collect on a debt. Some of the practices the Act specifically prohibits include:

• Calling a consumer before 8:00 a.m. or after 9:00 p.m.
• Failing to provide debt validation to a consumer
• Attempting to collect fees that were not provided for in the original contract
• Failing to identify themselves and provide consumers with the mini-Miranda
• Continuing to call a consumer after receiving a letter asking them to cease all contact
• Using profane, obscene, or abusive language Falsely implying that a consumer can be arrested for not paying a bill

This is not a complete list of the practices that are prohibited by the Act, and you believe that Account Recovery Services, Inc. is using any unfair, deceptive, or abusive practices in order to collect a debt from you, it is time to hold them accountable for their actions. Please contact our office for a free, no obligation consultation at 1-800-219-3577.

by Paul Mankin

What happens if an auto dealer fails to register your vehicle or provide you with the title within 90 days of the sale?

**If you purchased a vehicle from a dealership 90 days or more ago and you still do not have your title or registration, contact us.  We can most likely help you obtain title and/or registration, or force the dealer to return all your money.**  Do not believe the dealer when it tells you COVID is causing the delay!

Purchasing a new vehicle can be a window into a new world for many people. If you have had the fortune of purchasing a vehicle after trading in your old one, then you know how liberating it can be.

However, there can be points that can cause you potential stress, even after the transfer has been completed. In some instances, the 10 day cooling off/cancellation period may not be over, which can give the dealership opportunities to try to put you under duress in terms of financial handling or financial interest loans and such.

However, the one situation and issue that often catches consumers and buyers off-guard is the potential of not getting your vehicle registered or title after you purchase it. If you have not received your vehicle registry within 60 days of the purchase from the dealership, or your title within 15 business days of purchase, you may be extremely worried, and is maybe something you need to look into for the future. Here is what you need to know when dealing with an auto dealer failing to register your vehicle or transferring title within the appropriate time frame.

What is a Vehicle Registry?

A vehicle registry is the most basic form of ownership that you can have after you make a purchase. This title shows that you own the vehicle, and that the ownership has been properly transferred from the dealership to your name. Registering the vehicle needs to be done within 30 to 60 days of having the vehicle purchased, and will be on the dealership to complete the necessary paperwork and have it sent in on time.  Title of the vehicle must be transferred to your name within 15 business days of the purchase.

What to do when you haven’t received the Title?

There is a possibility that, within the 30 days, you do not receive the title and license plate to your new vehicle from the dealership. This can happen for many different reasons. The most common is that there was an error with the paperwork that was sent in by the dealership. This can be anything from a mis-signed agreement, to improper numbers not matching up with records.

If the paperwork was rejected, then dealership must complete and deliver the registration within 60 days. This may continue on for a period of time, but if the dealership is found to be prolonging the submission of the application, then they will have to pay a fee per improper submission.

At the end of the 60 days, if the dealership still has not been able to properly submit the paperwork, along with all relevant information, then they may be subject to penalties ranging from penalty fees to loss of their license.

In the case that the dealership has not even submitted the application to have the title changed into your name, they may be subjected to a small fee that they must pay. Additionally, if the dealership is knowingly failing to obtain a title for you, then they may be subject to having their dealership license suspended or revoked, depending on previous situations prior.

How this affects you

If you are currently going through this process, and are currently attempting to deal with a dealership that is slow to get your submission processed, you may be worried about your temporary license plate and tag. Thankfully, there are solutions to this.

If you are starting to reach the end of your 30 to 90 day temporary tag, then you are free to submit a request for an extension on the temporary tag. There are a few requirements to meet, and if you do meet them, then your request for an extension will almost always be verified and approved.

To do this, you will have to print off a request form, fill it out, and take it to your nearest county tag agent. If you have all proper verification and documents, they will issue you a new temporary 30-day operating permit without you having to pay anything for it.

If you do need to get a second extension, then some states do allow you to do so as long as you fill out the appropriate paperwork once again. However, in many areas, they may directly contact the dealership to understand the root of the issue, and to move the process along.

However, not obtaining an extension puts you in a difficult situation.  Operating an un-permitted or registered vehicle is illegal in most states and can subject you to fines and tickets.  This can be very expensive, especially for something that is not your fault.

Contact us if the dealership has been slow to provide you with title or registration for your vehicle

If you have waited more than 60 days to receive your vehicle registration or more than 15 business for title to be transferred to your name, contact an experienced vehicle title and registration attorney to stand up for your rights.  We use consumer protection laws to force the dealer to register and/or transfer title to the vehicle in your name.  If the dealer does not comply with our demands, there is further recourse we can take to ensure you are treated fairly.  In some situations, you might be entitled to additional damages due to the dealerships tardiness. Having an experienced vehicle registration and title attorney walk you through this process will also help to ensure that you do not run into any pitfalls that may allow the dealership more time to delay providing you with registration and/or title to your vehicle.

Contact us at 1-800-219-3577 for a free evaluation.

by Paul Mankin

Facing WinterSilks Comenity Bank Credit Card Phone Harassment?

Debt collection calls can be more than annoying. They can ruin your life if they are frequent and the collectors harass you. If you have faced harassing phone calls about your WinterSilks credit card account, you may be entitled to compensation.

Your WinterSilks credit card account is owned and managed by Comenity Bank. This company is known to harass debtors like you. Attorney Paul Mankin can make the harassment and annoying calls stop. Call Law Office of Paul Mankin, APC today at 800-219-3577 to schedule a case consultation.

Who Is WinterSilks?

WinterSilks is a retail company that sells silk clothing, sleepwear, underwear, and undergarments for men and women. The company was founded in 1999 and primarily sells clothing online and via catalog.

Why Is Comenity Bank Contacting Me About My WinterSilks Credit Card?

The WinterSilks credit card and WinterSilks VIP plus cards are credit accounts owned and managed by Comenity Bank. If you fall behind on payments, you will be contacted by Comenity Bank or one of their third-party collection companies.

If Comenity Bank is unable to get money from you, they may sell your debt to a third party who will have the same rights to collect the debt. These companies may even try to tack on excessive interest rates and fees to what you owe.

How Far Can a Debt Collector Go to Get Money from a Debtor?

Debt Collectors like Comenity Bank and third-party agencies are known to violate state and federal laws then collecting debts. While they are allowed to make phone calls and send mail, they cannot harass you or treat you unfairly. If they do, they are violating consumer protection laws like the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Some of the illegal actions Comenity Bank often uses include:

• Using abusive or obscene language on the phone
• Making false claims about lawsuits
• Calling repetitively or an unreasonable number of times
• Calling extremely early or late (before 8:00 a.m. or after 9:00 p.m.)
• Discussing debt with unauthorized parties.

If a debt collector uses any of these tactics with you, they should be reported immediately. A consumer rights attorney can help you through the process. Contact attorney Paul Mankin for guidance or to file a credit card harassment lawsuit. Call Law Office of Paul Mankin, APC at 800-219-3577 to schedule a case consultation.

Laws That Protect Consumers from Creditor Harassment

You have rights against harassment and mistreatment by creditors, even if you are past due on your payments. The primary federal laws that protect you include the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA). Many states also have similar laws, such as California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

• The FDCPA prohibits unfair debt collection practices. Violations of this law should be reported to the Federal Trade Commission (FTC). You can get statutory compensation if you are harassed by creditors.
• The TCPA applies to creditors and marketers who use telephones to contact consumers. It also allows the Federal Communications Commission (FCC) to operate the national Do-Not-Call list.
• California’s RFDCPA is similar to many other state laws. It requires creditors to treat debtors with honesty and fairness. You can get statutory and emotional damages under the RFDCPA.

Can I Get Money for My WinterSilks Credit Crad Harassment Lawsuit?

Yes, if you have been harassed by creditors like Comenity Bank about your WinterSilks credit card account, then you may be able to get money from those companies. The exact amount of compensation you are eligible for depends on several factors, including:

• The nature of the legal violations by creditors
• The number of violations by creditors
• Your actual damages

Under the FDCPA, you can get up to $1,000 in statutory damages. Creditors typically also have to pay for attorney fees and court costs.

Under the RFDCPA and many other state consumer protection laws, you can get money for statutory damages as well as emotional distress. In fact, some California plaintiffs have received as much as $300,000 in emotional damages.

Don’t Acknowledge a Debt or Claim Responsibility

If a debt collector calls you and asks you to verify information about the debt or yourself, you should refuse. There are multiple reasons for this:

• The debt may be too old to file a lawsuit about, but if you reconfirm and promise to pay, then the debt may be renewed.
• You may not actually owe the amount of money the debt collector is claiming.
• The debt may belong to someone else with a similar name, address, or phone number.
• The person calling you may be a scam artist. Debt collection fraud is common.

You should never make a payment to a debt collector over the phone. Additionally, you should refuse to talk to them until you get legal advice from a consumer rights law firm.

Contact a WinterSilks Credit Card Harassment Lawyer Today

WinterSilks offers an array of high-quality clothing, but they do not always treat their customers well. If you have a WinterSilks credit card account with Comenity Bank, watch out for their harassing tactics. You don’t deserve to be treated poorly.

Attorney Paul Mankin is a consumer rights attorney who can stop the harassing phone calls by debt collectors. He knows the state and federal laws that apply to your case, and he will work to protect you. Call Law Office of Paul Mankin, APC today at 800-219-3577 to schedule a case consultation.

by Paul Mankin

Experiencing Harassment About Your Comenity Bank Woman Within Credit Card?

You need to know your rights when dealing with debt collectors. Even if you are past due on payments, they cannot harass or intimidate you. Despite the state and federal consumer protection laws, debt collectors like Comenity Bank often violate debtors’ rights when trying to get money for Woman Within credit card accounts.

If you have faced harassment from a debt collector about your Woman Within credit card, then you should immediately contact a consumer rights lawyer. Attorney Paul Mankin can make the repetitive calls stop. Call Law Office of Paul Mankin, APC today at 800-219-3577.

Who Is Woman Within?

Woman Within is a retail clothing store offering plus size options for women up to size 6x. They have been in operation for more than 50 years. Their sister companies include Roaman’s, OneStopPlus, Catherines, Jessica London, ellos, June+Vie, Eloquii, Swimsuits for All, Intimates for All, Shoes for All, Brylane Home, KingsSize, and Fullbeauty Outlet.

The clothing offered by Woman Within focuses on both comfort and value. They use elastic waistbands and soft fabrics for a smooth stretch. Woman Within frequently has sales to ensure all people can afford their clothing.

Why Is Comenity Bank Calling About My Woman Within Credit Card?

The Woman Within credit card can be used at Woman Within and sister stores. It provides several benefits when you use the card, including:

• Earning rewards every time you shop
• Getting $10 in rewards for every 200 points (1 point is earned per $1 spent)
• Free shipping up to four times per year
• An exclusive birthday offer each year

While this card can be beneficial if you shop at FullBeauty Brands like Woman Within, there are some negative aspects of it. For example, the card account is actually owned and managed by Comenity Bank. Comenity Bank and its debt collectors are known for harassing debtors who owe money.

If you fall behind on payments to your Woman Within credit card, then Comenity Bank will likely call you to collect on that debt. They may also hire a third-party debt collection agency to try to get money from you. If they are unsuccessful in collecting money, they may sell your debt to another company that has rights to get money for the debt.

How Does Comenity Bank Harass Consumers?

Comenity Bank and other debt collectors frequently harass consumers and treat them poorly when trying to collect on debts. In fact, the Federal Trade Commission (FTC) reported that it receives more than 200,000 complaints annually about illegal debt collection practices.

Some of the illegal activities Comenity Bank and others use against debtors include:

• Using abusive or obscene language on phone calls
• Falsely claiming that a lawsuit will be filed
• Calling repetitively or at unreasonable times (before 8:00 a.m. or after 9:00 p.m.)
• Discussing debt with unauthorized parties

If debt collectors like Comenity Bank have used any of these tactics against you, then you should contact attorney Paul Mankin right away. He can make the harassment stop and help you get compensation for the mistreatment. Call Law Office of Paul Mankin at 800-219-3577.

Laws That Protect Debtors

There are multiple federal laws that protect consumer rights, including the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA). Most states also have similar laws that protect debtors who are dealing with debt collectors. For example, California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA) applies to residents who are being harassed.

• FDCPA – This federal law prohibits harassment of debtors, even if they are past due on payments. Violations should be reported to the FTC. You can get statutory compensation if you are treated poorly by creditors.
• TCPA – This federal law primarily applies to creditors and marketers who use telephones. Violations should be reported to the Federal Communications Commission (FCC). This law also allows the FCC to operate the national Do-Not-Call List.
• RFDCPA – This is an example of a state law that mandates fair treatment and honesty towards debtors. Under the RFDCPA, you can get statutory damages as well as money for emotional distress.

How Much Money Can I Get for My Woman Within Credit Card Harassment Lawsuit?

If you file a lawsuit against Woman Within’s debt collectors like Comenity Bank, then you may be able to get compensation. The exact value of your case depends on:

• The number of times laws were violated
• The severity of legal violations
• Your actual damages

Federal laws like the FDCPA allow for up to $1,000 of statutory damages. Creditors who are guilty of harassment will also likely have to pay for attorney fees and court costs.

State laws like the RFDCPA often allow for statutory compensation as well as emotional damages. Some California plaintiffs have received as much as $300,000 for emotional distress caused by illegal actions of creditors.

How to Deal with Debt Collectors

You should never talk to the debt collectors over the phone. Don’t confirm the debt or promise to make payments. You can ask them to validate the debt via mail.

Then, you should contact an experienced debtor defense attorney. Your lawyer may be able to negotiate a lump sum settlement offer or reduced payments. In some situations, you may also be able to reduce the amount of interest or fees that have been added to your account.

Contact a Woman Within Credit Card Harassment Lawyer Today

Comenity Bank has harassed thousands of debtors who owe money. While they should be paid what is owed, they don’t have a right to treat people unfairly or dishonestly. State and federal laws protect consumers like you, even if you are behind on payments.

A consumer rights attorney like Paul Mankin can help you make the harassment and repetitive calls stop. He will contact Comenity Bank and any third-party consumers and ensure that your rights are protected. Call Law Office of Paul Mankin, APC today at 800-219-3577.

by Paul Mankin

Are You Receiving Unwanted Collection Calls About Your Comenity Bank David’s Bridal Credit Card Debt?

Do you have a David’s Bridal credit card that is past due on payments? Are you receiving phone calls and being treated poorly by debt collectors? Even if you owe creditors money, you have a right to be treated with respect. You can stop the calls and get your life back.

Your David’s Bridal credit card account is owned by Comenity Capital Bank. If you fall behind on payments, they will call to try and collect that debt. They often use illegal harassment and scare tactics. Attorney Paul Mankin can help you make it stop. Call Law Office of Paul Mankin, APC at 800-219-3577.

Who Is David’s Bridal?

David’s Bridal is one of the largest bridal stores in the United States. They specialize in pageant dresses, prom gowns, wedding dresses, formal wear, and accessories. They also partner with in-house alterations individuals who can create a unique fit for every dress.

David’s Bridal was founded in 1950 in Fort Lauderdale, Florida. Its headquarters are currently located in Pennsylvania. There are more than 300 David’s Bridal stores in 49 U.S. states, the United Kingdom, and Canada.

David’s Bridal offers a Diamond Loyalty Program for consumers that promotes the ability to earn a free honeymoon as well as other benefits. Members save on Diamond Member exclusive items. They also earn one Diamond Point per $1 spent. The points can be used to get “free” gifts. Family and friends can also shop with an individual’s Diamond number.

There are various levels of earnings for Diamond Loyalty Members. At the Shimmer Level, members will have earned 3,000 points, and they can get a tote bag of goodies, art prints from Shutterfly, and other gifts. At the Shine Level, or 4,000 points earned, individuals can get a photo book from Shutterfly and a $200 gift card from Lily & Lime. At the Sparkle Level with 5,000 points earned, individuals can get a “free” honeymoon, getaway, or adventure. There are, obviously, terms and conditions that apply to all of the “free” gifts offered to Diamond Loyalty Members at David’s Bridal.

What To Do When Comenity Bank Calls About Your David’s Bridal Credit Card

Although you use your credit card at David’s Bridal, the account is actually owned and managed by Comenity Capital Bank. If you fall behind on payments, they will call you to try to recover the debt. They may also hire a third-party collection agency to make those calls. If they are not successful in getting money from you, Comenity Bank may sell your debt to a third party. Any of those entities may call and harass you to get money from you.

You can either ignore the communication and suffer the stress of constant calls or stand up and take action. Some things you can do if you’re receiving harassing calls about your David’s Bridal credit card include:

• Remain calm and don’t get overly emotional when the creditor calls you.
• Be cautious with your words.
• Listen to everything the debt collector says.
• Take the name of the person on the phone and get a call back number.
• Take notes and tell them you will record the phone call as well.
• Demand that the debt collector stop calling you at home, work, and elsewhere.
• Do not give them permission to contact your friends and family.
• Never make a promise to pay or accept an agreement over the phone.

The most important thing you can do if you are contacted by a debt collector is contact a consumer rights lawyer. Attorney Paul Mankin knows that Comenity Bank and others harass debtors like you. Call him at 800-219-3577 to schedule a consultation of your case.

What Happens When Creditors Harass Consumers?

Comenity Capital Bank and their third-party debt collectors are known to harass consumers like you. They often violate state and federal laws like the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Some actions Comenity Bank and others take that violates consumer rights include:

• Using obscene or abusive language towards debtors
• Threatening violence or a lawsuit when they don’t intend to file one
• Calling repeatedly when you tell them to stop
• Calling extremely early or late (before 8:00 a.m. or after 9:00 p.m.)
• Discussing debt with unauthorized parties like family, friends, and co-workers

The Federal Trade Commission (FTC) states that it receives more than 200,000 complaints annually about creditors harassing debtors.

State and Federal Consumer Protection Laws

Consumer protection laws are in place to ensure creditors respect the rights of debtors. However, debt collectors frequently violate these state and federal laws, including:

• Fair Debt Collection Practices Act (FDCPA) – This federal law protects debtors against unfair debt collection practices. Violations should be reported to the FTC. Consumers may be able to get compensation for harassment by creditors.
• Telephone Consumer Protection Act (TCPA) – This federal law applies to marketers and creditor using telephones to contact consumers. It prohibits harassment via phone. It also allows the Federal Communications Commission (FCC) to regulate the national Do-Not-Call List.
• Rosenthal Fair Debt Collection Practices Act (RFDCPA) – This is a California consumer protection law that forces creditors to act with fairness and honesty towards consumers. It allows for statutory compensation as well as emotional damages for creditor harassment.

How Much Is My David’s Bridal Credit Card Harassment Lawsuit Worth?

If you are harassed by a creditor, you may be able to get statutory compensation as well as emotional distress damages, depending on the laws that apply to your case. The exact value of your case depends on many factors, including:

• The legal violations of the creditors
• The number of violations by the creditors
• Your actual damages

Federal laws like the FDCPA allow for up to $1,000 in statutory damages as well as money for attorney fees and court costs. California’s RFDCPA allows you to get statutory compensation as well as damages for emotional distress that the creditors caused. In some cases, plaintiffs have received as much as $300,000 in compensation for mental anguish.

Contact a David’s Bridal Credit Card Harassment Lawyer Today

David’s Bridal and Comenity Bank often harass consumers who fall behind on payments. You may be unsure of what to do if you owe a debt and are being treated poorly. It’s important to know that you have rights, even if you are behind.

Attorney Paul Mankin can help you make the calls stop. Call Law Office of Paul Mankin, APC today at 800-219-3577 to schedule a case consultation.

by Paul Mankin

Facing Comenity Bank’s Zales Credit Card Debt Collection Harassment?

Have you fallen behind on your Zales credit card payment? Zales’ debt collectors may be calling you repetitively to try to collect the debt. It’s important to know that even if you owe them money, Zales cannot harass you or treat you unfairly to obtain what they think you owe.

Your Zales credit card account is actually owned and managed by Comenity Bank. This company is known for using harassment against debtors. If you face unfair treatment by Comenity Bank or other debt collectors, you should immediately contact consumer rights attorney Paul Mankin. Call Law Office of Paul Mankin, APC at 800-219-3577 for help.

Who Is Zales?

Zales Jewelers began in 1924 when the owners opened a retail store in Wichita Falls, Texas. They offered high-quality merchandise at the lowest prices possible. They also offered a credit plan that was unlike any other available. It included putting a penny down and paying one dollar per week on higher-priced items.

Zales’ marketing strategies were successful, and they eventually opened 12 stores across Texas and Oklahoma by 1941. Today, Zales has expanded to more than 700 stores and is one of the largest fine jewelry stores in North America and Puerto Rico.

Zales originally offered an array of high-quality jewelry, appliances, and cameras. Today they focus more on fine jewelry and other accessories. They have an emphasis on diamonds and bridal jewelry.

In 2014, Zales was purchased by the parent company Signet Jewelers, Inc., which is headquartered in Akron, Ohio. Zales now has other sister companies including Kay Jewelers, Jared the Galleria of Jewelers, and other smaller regional brands. Signet is the largest specialty retail jewelry company in the world.

Why Is Comentiy Bank Calling About My Diamond Credit Card?

Zales’ Diamond Credit Card offers many benefits, including the following:

• Zero down special financing
• Financing up to 36 months in length
• Welcome and Birthday gifts
• $100 off cardholder anniversary gift
• $100 off twice a year and other exclusive offers
• 10% off repair services for fine jewelry
• Cardholder-only special events
• Inspection and cleaning reminders

While the card is primarily used at Zales stores, the credit account is actually owned and managed by Comenity Bank. If you fall behind on payments, Comenity Bank will call and try to collect the debt.

If Comenity Bank is unable to get what they think you owe, then they may utilize a third-party collection agency to make calls for them. They may also sell your debt to another company, which will have the same right to get the money you owe.

Comenity Bank and these debt collectors are known to harass debtors like you. They often treat people unfairly and lie to them in an attempt to get money. If this happens to you, you need to immediately contact a consumer rights lawyer who can protect you. Call Law Office of Paul Mankin, APC at 800-219-3577.

What Does Comenity Bank Do to Violate Consumer Rights?

Comenity Bank and the debt collectors they use to get money for Zales credit card often harass people when they try to collect money. In doing so, they are violating state and federal consumer protection laws, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Some of the illegal tactics Comenity Bank uses include:

• Using inappropriate and intimidating language on phone calls
• Threating a lawsuit without intent to file one
• Calling an unreasonable number of times
• Calling extremely early or late (before 8:00 a.m. or after 9:00 p.m.)
• Discussing your debt with unauthorized parties

The Federal Trade Commission (FTC) reported that it receives more than 200,000 complaints annually about debt collectors using these illegal strategies. Despite claims against those companies, they continue to harass debtors because they don’t think people will take action against them. That’s why it’s important to work with a consumer rights attorney to stand up and force them to obey the laws.

State and Federal Laws Prohibiting Harassment of Debtors

You have rights to be treated fairly and honestly by creditors, even if you are behind on payments to the Zales credit card or others. The Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) are federal laws that protect consumers. Similarly, most states have consumer rights laws, such as California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

• FDCPA – This federal lawprohibits unfair debt collection practices. Violations of this law should be reported to the FTC, which will enforce fines and can help you with a claim. Under the FDCPA, you can get statutory compensation if you are harassed by creditors.
• TCPA – This federal law applies to creditors and marketers who use telephones to contact consumers. It also allows the Federal Communications Commission (FCC) to operate the national Do-Not-Call list.
• RFDCPA – This California law is similar to many other state laws. It requires creditors to treat debtors with honesty and fairness. You can get statutory and emotional damages under the RFDCPA in California and under laws in other states.

Compensation for Zales Credit Card Harassment

If Comenity Bank harasses you about your Zales credit card account, you may be entitled to compensation. The exact value of your case depends on several factors, including:

• The nature of the legal violations by creditors
• The number of violations by creditors
• Your actual damages

The FDCPA allows you to get up to $1,000 in statutory damages for harassment. You can also get money to pay for attorney fees and court costs.

California’s RFDCPA allows you to get statutory damages as well as money for emotional distress. In fact, some California plaintiffs have gotten up to $300,000 for emotional damages.

Contact a Zales Credit Card Harassment Lawyer Today

Zales has a positive history of extending credit to consumers. However, Comenity Bank, which currently operates Zales’ credit program, does not. Comenity Bank is known to harass debtors and use illegal tactics to collect money.

If you have been treated unfairly by Comenity Bank or another debt collector, contact attorney Paul Mankin right away. He understands how to use state and federal laws to benefit your case. Call Law Office of Paul Mankin, APC today at 800-219-3577.

by Paul Mankin

Are You Dealing with Z Gallerie Debt Harassment from Comenity Bank?

Do you have a Z Gallerie credit card that is behind on payments? Are you facing harassment and repetitive calls by debt collectors like Comenity Bank? You should know that you have rights, even if you owe these companies money.

If Comenity Bank or other debt collectors are harassing you about your Z Gallerie credit card debt, then you should contact a consumer rights attorney immediately. Attorney Paul Mankin knows how these companies operate, and he can help you make the calls stop. Call Law Office of Paul Mankin, APC today at 800-219-3577.

Who Is Z Gallerie?

Z Gallerie was originally founded in 1979 as a small poster shop in Sherman Oaks, California. The company began opening retail locations in 1982 that sold a wider range of items, including home furnishings.

In 1983, Z Gallerie opened a combination store that sold posters, other artwork, home furnishings, and home accessories. It was based in San Francisco, California. By 2009, the chain had nearly 55 retail stores open.

In April 2009, Z Gallerie filed for Chapter 11 bankruptcy, from which they emerged with a $22 million financing package from Wells Fargo Business Credit. In 2014, the company was acquired by Brentwood Associates Private Equity V LP.

Then, in March 2019, Z Gallerie again announced a voluntary petition to restructure under Chapter 11 Bankruptcy. At that time, DirectBuy acquired Z Gallerie through a bankruptcy auction for $20.3 million. The acquisition included the retailer’s headquarters in Gardena, California, as well as 32 stores. They announced that 17 locations would be closed.

As of October 2022, Z Gallerie had 25 retail store locations. Half their locations were located in California, Florida, and Texas.

Why Is Comenity Bank Calling About My Z Gallerie Credit Account?

Z Gallerie offers several credit options, including a buy now, pay later program and a credit card. Their credit card accounts are owned and operated by Comenity Bank.

If you miss a payment or fall behind on your credit account, then Comenity Bank will call you to try to collect the debt. They may also hire a third-party debt collection agency to make calls on their behalf. If they are unsuccessful in collecting money from you, they may sell your debt to another company. That company will have the same rights to collect what they think you owe.

Comenity Bank and its debt collectors are known to use harassment and intimidation to get money from debtors. However, these tactics are illegal and violate state and federal consumer protection laws.

How Does Comenity Bank Violate Consumer Protection Laws?

Each year, the Federal Trade Commission (FTC) receives more than 200,000 complaints about harassment by debt collectors like Comenity Bank. Those creditors and debt collection companies often violate state and federal laws, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Some of the illegal actions taken by these entities include:

• Using abusive or obscene language on phone calls
• Making false claims that a lawsuit will be filed against a debtor
• Calling repetitively or an unreasonable number of times
• Calling extremely early or late (before 8:00 a.m. or after 9:00 p.m.)
• Discussing your debt with unauthorized parties

Creditors should be held accountable for violating consumer rights. You can file a complaint against them or even a credit card harassment lawsuit. You may be entitled to compensation for the harassment you’ve endured.

Are There Laws That Protect Consumers Who Owe Money?

Yes, there are state and federal laws that protect consumers who owe creditors money. Those laws include the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA). Many states also have consumer protection laws, such as California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

• FDCPA – This federal law prohibits unfair debt collection practices and illegal harassment against debtors. Violations should be reported to the FTC. Under this law, you can get statutory compensation for harassment you’ve faced.
• TCPA – This federal law prohibits creditor harassment when a telephone is used by marketers and debt collectors. It also allows the Federal Communications Commission (FCC) to operate the national Do-Not-Call List.
• RFDCPA – This is a California state law that protects residents. It operates like many other state consumer protection laws, mandating creditors to treat debtors with fairness and honesty. Under the RFDCPA, debtors who are harassed can get statutory compensation as well as money for emotional damages.

How Much Is My Z Gallerie Credit Card Lawsuit Worth?

If you have been harassed by creditors or debt collectors, you may be able to collect money for your damages. The exact value of your case depends on several factors, including:

• The specific laws that have been violated by the creditors
• The number of violations by the creditors
• Your actual damages

Federal laws like the FDCPA allow you to collect up to $1,000 in statutory damages. You can also get money to pay for attorney fees and court costs.

California’s RFDCPA and many other state consumer protection laws allow you to get even more. While you can collect statutory compensation, you can also get money for emotional damages. Some people in California have gotten as much as $300,000 for emotional distress caused by creditors.

Contact a Z Gallerie Credit Card Harassment Lawyer Today

Credit card harassment is illegal. Despite this, creditors like Comenity Bank and their third-party debt collectors often use unfair and dishonest tactics when trying to collect money. Remember, you have rights, even if you are behind on your Z Gallerie credit card account payments.

Attorney Paul Mankin can make the harassment stop. He will directly contact your creditors and tell them to treat you fairly or they will be reported to the FTC, FCC, or state authorities. Most creditors will quickly change their tune when a consumer rights attorney gets involved. Call Law Office of Paul Mankin, APC at 800-219-3577 for a consultation of you

by Paul Mankin

Are You Being Harassed About Your Comenity Bank Gordmans Credit Card Account?

Do you have a Gordmans credit card that you are receiving calls about? Are debt collectors hounding you for money? You have a right to tell them to stop; however, they may continue. It’s important to talk to a consumer rights attorney who can protect you and make the calls stop.

Attorney Paul Mankin is familiar with Comenity Capital Bank, which owns and manages Gordmans credit card accounts. He has faced them in many cases. Attorney Mankin is not afraid to tell Comenity Bank to stop calling and respect your consumer rights. Call Law Office of Paul Mankin, APC today at 800-219-3577 to schedule a case consultation.

Who Is Gordmans?

Gordmans is a clothing retailer for the whole family. They also sell footwear, bedding, furniture, jewelry, beauty products, and housewares.

It was originally founded in 1915 in Omaha, Nebraska. Today, the chain is owned by BrandX. There were once close to 700 Gordmans and Gordmans owned stores, including Stage stores, located in 42 states. However, Stage stores were liquidated in a Chapter 11 bankruptcy in 2020. BrandX announced that it intends on bringing Gordmans and other brands it owns back by 2023.

Why Is Comenity Bank Calling About My Gordmans Credit Card?

Gordmans credit card accounts are actually owned and managed by Comenity Capital Bank. If you fall behind on payments, Comenity Bank will call you in an attempt to recover the debt. They may also hire third-party debt collectors to try to get money from you.

If they are unsuccessful, Comenity Bank may sell your Gordmans debt to a third party for pennies on the dollar. That third party will have the same rights to collect on your Gordmans debt as Comenity Bank.

However, Comenity Bank and third-party debt collectors cannot legally violate your consumer rights by harassing you. If you are treated poorly by creditors, you should reach out to a consumer rights lawyer. Attorney Paul Mankin can help. Call him at 800-219-3577 today.

Avoid These Actions If a Debt Collector Calls You

When debt collectors call you to pay your Gordmans credit card, you should know how to respond. A poor response could put you in an even worse position.

• Never give them your personal financial information.

Do not give Gordmans debt collectors your account numbers, even if you are making a payment. Opt for other methods of payment, including online payment through a secure portal.

• Do not give out your social security number.

If someone calls you and asks you to confirm your social security number, you should immediately hang up. Debt collectors do not need your SSN to process your account information.

• Do not accept any payment offers they make.

The Gordmans bill collector may make you a “good faith” payment offer. They will likely tell you it’s the only way to avoid a lawsuit. Don’t believe them. You should never make a secondary financial agreement without getting legal advice.

How Does Gordmans Violate Consumers’ Rights?

Comenity Bank and third-party debt collectors often violate the rights of consumers who have Gordmans credit cards. They often act illegally, in violation of state and federal laws like the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Some actions Comenity Bank and others take that are illegal include:

• Speaking inappropriately to debtors
• Using abusive or obscene language on phone calls
• Making false claims that a lawsuit will be filed
• Calling an unreasonable number of times
• Calling extremely early or late (before 8:00 a.m. or after 9:00 p.m.)
• Discussing debt with unauthorized parties

Although these activities are illegal, creditors use them frequently when trying to collect debts. In fact, the Federal Trade Commission (FTC) reported that they receive more than 200,000 complaints annually about harassment by debt collectors.

State and Federal Laws Protect Consumers Who Have Debt

Even if you are past due on a debt, you have rights according to state and federal laws. Those laws include the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA). Many states also have consumer protection laws, such as California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

• FDCPA – This federal law prohibits unfair debt collection practices against consumers. Violations should be reported to the FTC. Under this law, debtors can get statutory compensation if they are harassed.
• TCPA – This federal law prohibits harassment by marketers and debt collectors who use telephones. It also allows the Federal Communications Commission (FCC) to operate the national Do-Not-Call List.
• RFDCPA –This law protects California residents who have Gordmans credit cards. It requires debt collectors to treat debtors will honesty and fairness. Debtors can also get compensation as well as emotional damages under the RFDCPA.

How Much Money Is My Gordmans Credit Card Lawsuit Worth?

If you’ve been harassed by Comenity Bank and their third-party collection agencies about your Gordmans credit card account, you may be entitled to compensation. You can get money based on:

• The exact nature of the legal violations by the creditors
• The number of legal violations by the creditors
• Your actual damages

Under federal law like the FDCPA, you can get up to $1,000 in statutory damages. The creditors who harassed you will also have to pay your attorney fees and court costs. California’s RFDCPA allows for statutory compensation as well. You can also get damages for emotional distress. In fact, some plaintiffs have received up to $300,000 in emotional damages caused by creditor harassment.

Contact a Gordmans Credit Card Harassment Lawyer Today

You may not have used your Gordmans credit card in years, especially since many stores closed. However, you still owe the debt you incurred with Comenity Bank, the account owner. Even if you are behind on payments, they do not have a right to harass you in an attempt to get money.

If Comenity Bank or a third-party collection agency violates your consumer rights, you should immediately contact a lawyer who can make the calls stop and help you get compensation. Attorney Paul Mankin is here for you. Call Law Office of Paul Mankin, APC today at 800-219-3577 to schedule a case consultation.

by Paul Mankin

Stop Harassing Phone Calls About Your Comenity Bank Eddie Bauer Credit Card Today

Are you receiving phone calls about your Eddie Bauer credit card account? Have you asked them to stop, but they continue? It’s important for you to know that you have rights as a consumer, even if you are past due on debt payments. If creditors violate your consumer rights, they may owe you compensation for the stress they cause.

Your Eddie Bauer credit card account is actually owned and managed by Comenity Bank. If you fall behind on payments, Comenity Bank and their agents will call you to try to collect the debt. If they harass you or treat you poorly, you should immediately contact a consumer rights attorney who can make them pay for their actions. Call Attorney Paul Mankin at 800-219-3577 today.

Who Is Eddie Bauer?

Eddie Bauer, LLC is an American clothing store based in Seattle, Washington. It sells sportswear and outdoor gear for women, men, and children via retail stores, outlet stores, and online. There are more than 350 Eddie Bauer locations located in the United States, Canada, and Germany.

The Eddie Bauer credit card extends benefits to members and those who use the card. They can earn points for every dollar spent as Eddie Bauer Adventure Rewards members. They also get free return shipping on all orders purchased with the credit card. VIP cardholders get special promotions, including pre-shopping events and special sales exclusively for Eddie Bauer credit card holders.

Why Is Comenity Bank Calling About My Eddie Bauer Credit Card?

Comenity Bank is the owner of your Eddie Bauer credit card account. If you fall behind on payments, Comenity Bank will call to try to collect on the debt. They may also hire third parties to call you on their behalf. If they are not successful, they may even sell the debt to a third party for pennies on the dollar. That third party will have all the same rights to collect the debt as Comenity Bank.

It’s important for you to know that even if you are behind on payments, you have rights against harassment by Comenity Bank and third-party debt collectors. If they violate your consumer rights, you should immediately contact a consumer rights lawyer. Call attorney Paul Mankin at 800-219-3577 to review your situation.

Common Consumer Rights Violations by Comenity Bank

Even though consumers have sued Comenity Bank for mistreatment of debtors, they continue to harass debtors like you. Some of the state and federal laws Comenity bank and third-party debt collectors violate include the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Violations of consumer rights may look like:

• Obscene or abusive language on phone calls
• Treats of violence
• False claims that a lawsuit will be filed
• Repeated calling an unreasonable number of times
• Calls that are extremely early or late (before 8:00 a.m. or after 9:00 p.m.)
• Discussing debt with unauthorize parties

The Federal Trade Commission (FTC) reported that it receives more than 200,000 complaints about debtor harassment against creditors like Comenity Bank annually.

Federal Laws Protect Debtors Like You

There are federal laws that protect consumers who owe money to banks and other creditors. Those include the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA).

The FDCPA protects consumers against unfair collection practices and harassment. Violations should be reported to the FTC, which may impose consequences on those companies. Under the FDCPA, you can get statutory compensation if you are harassed by debt collectors.

The TCPA addresses the way telephone marketers and debt collectors treat consumers. It also allows the Federal Communications Commission (FCC) to regulate the national Do-Not-Call List.

State Laws Protect Consumers Who Owe Money

Most states have consumer protection laws that mirror or go beyond federal laws. For example, California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA) mandates that creditors treat debtors with fairness and honesty. Violations of the RFDCPA can result in statutory compensation and damages for emotional distress.

How Much Is My Eddie Bauer Credit Card Lawsuit Worth?

If you have an Eddie Bauer credit card and Comenity Bank or their third-party collection agencies are harassing you, you may be able to get monetary compensation. The exact value of your claim depends on:

• The severity of the creditors’ legal violations
• The number of times laws were violated
• Your actual damages

The FDCPA is a federal law that allows you to get up to $1,000 in statutory compensation if you are harassed by creditors. You can also get money for attorney fees and court costs.

Many state laws allow you to get even more compensation than federal laws permit. California’s RFDCPA allows consumers to get emotional damages, which have reached up to $300,000 in past cases.

Contact an Eddie Bauer Credit Card Harassment Lawyer Today

Comenity Bank and their third-party debt collection agencies are known to harass consumers. Even after they’ve been told to stop calling, many creditors continue to contact you via telephone. They may even reach out to friends, family, and co-workers. Even if you are behind on payments, you have a right to make them stop. 

You need to work with a consumer rights advocate lawyer who understands the state and federal laws that protect you. Attorney Paul Mankin has helped countless clients who were being harassed. He knows you just want to get your life back on track and wipe your slate clean. Call Law Office of Paul Mankin, APC today at 800-219-3577 to schedule a