Stop the Harassing Debt Collector Calls About Your Comenity Bank Hot Topic Credit Card

by Paul Mankin

Stop the Harassing Debt Collector Calls About Your Comenity Bank Hot Topic Credit Card

Do you have a Hot Topic credit card and you’re behind on payments? Are creditors calling to try to collect money from you? You have a right to ask them to stop. They cannot legally harass you, even if you owe them money. If they do treat you poorly, they may have to pay you compensation.

Your Hot Topic credit card account is actually owned by Comenity Capital Bank. Comenity Bank and their third-party debt collector are known to harass debtors who have Hot Topic credit cards. If this is happening to you, you should immediately contact a consumer rights lawyer like Paul Mankin. Call Law Office of Paul Mankin, APC at 800-219-3577.

Who Is Hot Topic?

Hot Topic, Inc. is an American retail chain that specializes in counterculture-related clothing and accessories. Their target audience is teens and young adults who are interested in alternative and rock music as well as video games.

Hot Topic has many exclusive licensing arrangements with graphic artists, music artists, video game companies, and movie studios. Approximately 40% of their revenue comes from the sales of licensed band T-shirts and similar clothing.

The first Hot Topic opened in November 1989 in Montclair, California. There are currently more than 675 Hot Topic locations throughout the United States. The majority of Hot Topic retail locations are located in shopping malls. Their headquarters are located in Industry, California.

Why Is Comenity Bank Calling About My Hot Topic Credit Card?

The Hot Topic Guest List credit card offers many rewards to members. Individuals who open and use the credit line receive 15% off their first purchase with the card. Members also receive two $20 off $50 annual shopping passes when they use their Hot Topic Guest List credit card. They can also get exclusive offers through its use.

While the Guest List credit card is used at Hot Topic, the account is owned and managed by Comenity Capital Bank. If you fall behind on payments, Comenity Bank will call you to try to collect on the debt. They may also hire third-party collection agencies to attempt to get money from you. If they are not successful, Comenity Bank may sell the debt to a third party. That third party will have the right to call you to collect money as well.

How Do Comenity Bank and Third Parties Violate Consumer Rights?

Although you may owe Comenity Bank money for your purchases at Hot Topic, they do not have a right to harass you. There are state and federal laws that ensure your consumer rights are protected, 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 actions of creditors that violate consumer rights include:

• Using obscene or abusive language on phone calls
• Threatening violence to collect debts
• Calling repeatedly or an unreasonable number of times
• Falsely claiming they will file a lawsuit
• 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 has taken any of these actions against you, you should immediately contact a consumer rights lawyer. Attorney Paul Mankin knows how to stand up for consumers’ rights, and he can help you get the compensation you deserve if you have been harassed. Call 800-219-3577 to schedule a consultation of your case.

What Laws Protect My Consumer Rights?

There are state and federal laws that ensure creditors do not take advantage of consumers. Despite this, Comenity Bank and their third-party debt collection agencies frequently violate the law against people who have Hot Topic credit cards.

Some of the primary laws that protect consumers in the United States include:

• Fair Debt Collection Practices Act (FDCPA) – This federal law prohibits unfair debt collection tactics and allows debtors who have been harassed to collect statutory compensation. Violations of the FDCPA should report illegal activity to the Federal Trade Commission (FTC).
• Telephone Consumer Protection Act (TCPA) – This is a federal law that applies to marketers and debt collectors who use the telephone to reach consumers. It prohibits harassment and 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 state law that requires creditors to act with fairness and honesty towards debtors. You can get compensation and emotional damages for harassment under the RFDCPA.

How Much Is My Hot Topic Credit Card Harassment Lawsuit Worth?

Creditors who harass consumers may have to pay for their illegal actions. The value of your case depends on several factors, including:

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

The FDCPA allows you to get up to $1,000 in statutory compensation for harassment by creditors. Those debt collectors will also likely have to pay your attorney fees and court costs. Thus, you will not have to pay anything to assert your federal consumer rights.

State laws like California’s RFDCPA also allow for statutory compensation. However, you can also get money for emotional distress. In fact, some plaintiffs have gotten as much as $300,000 for severe emotional distress caused by creditors trying to collect debts illegally.

Contact a Hot Topic Credit Card Harassment Lawyer Today

If you have faced harassment by Comenity Bank or their third-party debt collectors, you may have a right to compensation under state and federal laws. You need to work with an attorney who understands how to stand up for your rights and protect you. Don’t let Comenity Bank take advantage of you.

Attorney Paul Mankin has worked with countless clients who have faced harassment by Comenity Bank over debt the consumers owed to Hot Topic and other store credit cards. He can help you get the money you deserve and that will help you move forward with a clean financial slate. Call Law Office of Paul Mankin, APC today at 800-219-3577 to schedule a case consultation.

by Paul Mankin

Are Debt Collectors Calling About Your Comenity Buckle Credit Card?

Do you have a Buckle store credit card that is past due? Are debt collectors calling and harassing you for money? You should know that there are state and federal laws that protect you against creditor harassment. Even if you are behind on payments, you have rights.

Your Buckle credit card account is owned by Comenity Bank. If your payments are past due, they may call you to try to collect. When this happens, you need to reach out to a consumer protection lawyer. Attorney Paul Mankin is here when you need trusted legal advice about your debt. Call Law Office of Paul Mankin, APC at 800-219-3577.

Who Is Buckle?

Buckle, Inc. is an apparel store with more than 450 retail locations in 42 states. The company was founded as a men’s clothing store in 1948 as Mills Clothing in Nebraska. Today, Buckle offers clothing for men, women, and children. They are best known for their denim and casual apparel options.

Buckle has a rewards program that offers benefits to members. It is free to join Buckle Rewards. For every $1 spent, you can get 1 point in the Buckle Rewards program. For every 300 points, you earn a $10 reward through the program. You can also take part in bonus points events.

People who own a Buckle Credit Card can become part of the Premier and Premier+ Rewards programs at Buckle. When you get a Buckle credit card, you are automatically enrolled in the Premier Rewards Membership program. Benefits include earning two points for every $1 spent at Buckle when you use your Buckle credit card. You can also get free standard ground shipping on orders of $99+ when you use your Buckle credit Card.

If you spend $1,000 or more with your Buckle credit card annually, you can become a Premier+ Rewards Member, which has additional benefits. Premier+ members earn three points when they use their Buckle credit card. They also get standard ground shipping free with all orders when they use their Buckle credit card.

Why Is Comenity Bank Calling About My Buckle Credit Card?

Although you may have received your credit card through the Buckle store, your account is owned and managed by Comenity Capital Bank. If you fail to make on time payments on your Buckle account, Comenity Bank will try to recover the debt. They will begin by making calls and sending letters to your home. However, they may also hire a third-party debt collection agency to try to collect the money they believe you owe.

Even if you are behind on your payments, Comenity Bank and the third-party collectors do not have a right to harass you. If they do violate your consumer rights, they may owe you compensation. Attorney Paul Mankin can review your situation and help you make the calls stop. Call 800-219-3577 to schedule a consultation of your case.

How Does Comenity Bank Violate Consumer Rights of Buckle Credit Card Holders?

Comenity Capital Bank and other debt collectors often violate the consumer rights of Buckle credit card holders like you. There are state and federal laws that protect you from that harassment, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Creditors often violate the rights of consumers by:

• Using inappropriate, obscene, or abusive language on phone calls
• Threatening to use violence to collect debts
• Calling repeatedly or an unreasonable number of times
• Threatening a lawsuit when they do not intend to file one
• Calling extremely early (before 8:00 a.m.) or late (after 9:00 p.m.)
• Discussing debt with unauthorized parties

Despite being sued for violation of consumer protection laws, Comenity Bank continues to harass debtors on a daily basis. In fact, the Federal Trade Commission (FTC) reported that it receives more than 200,000 complaints against creditors annually.

Consumer Protection Laws in the United States

There are state and federal laws that protect consumers who owe money to creditors like Buckle and Comenity Bank. The two primary federal laws are the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA).

• FDCPA – This federal law protects against the unfair collection practices of creditors. Violations should be reported to the FTC. Under the FDCPA, you can get statutory damages if you have been harassed.
• TCPA – Marketers and creditors using telephones must follow this federal consumer protection law. This law also allows the Federal Communications Commission (FCC) to regulate the national Do-Not-Call List.

One state law that protects consumers is California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA). It forces creditors to operate with fairness and honesty towards debtors. Under the RFDCPA, you can get statutory compensation as well as emotional damages for harassment by debt collectors.

How Much Is My Buckle Credit Card Harassment Lawsuit Worth?

You can get money compensation from debt collectors who violate your consumer rights. However, the exact value of your case depends on several factors, including:

• The extent of the creditors’ legal violations
• The number of times they violated laws
• Your actual damages

Under the FDCPA, you can get up to $1,000 in statutory compensation when debt collectors harass you. The RFDCPA also allows you to get statutory damages and money for emotional distress. In fact, some California consumers have received up to $300,000 because of extreme harassment situations. Creditors may also be required to pay your attorney fees and court costs.

Contact a Buckle Credit Card Harassment Lawyer for Help

If you have been harassed by Comenity Bank or a third-party collection agency about your Buckle credit card debt, you need to contact a consumer rights attorney right away. Even if you are behind on payments, you have a right to be treated with respect.

Attorney Paul Mankin understands consumer protection law. He knows that Comenity Capital Bank frequently violates state laws and federal regulations. You can get compensation for the harassment you have endured. Call Law Office of Paul Mankin, APC today at 800-219-3577 to schedule a case consultation.

by Paul Mankin

Can I Sue A Dealership For Not Paying Off My Trade In?

Understanding Your Rights: What to Do When a Car Dealer Fails to Pay Off Your Trade-In Vehicle in California

When you purchase a new car, you may trade in another vehicle to get a discount on the new one. If your previously owned vehicle is not paid off, the car dealer must take care of that within a certain amount of time. If they do not, you could face penalties and other consequences from the lender. Because of this, if the dealer fails to pay off your trade-in vehicle on time, then you may be able to get damages from them. Car dealers may engage in deceptive practices by selling a customer’s trade-in without paying off the associated loan, leading to legal ramifications for the dealers. Maryland law underscores the importance of protecting consumers from fraudulent actions by car dealerships, emphasizing that victims of such scams have legal rights and the ability to sue for damages.

Does a California Car Dealer Have to Pay Off A Vehicle Trade-In?

Yes, under California Vehicle Code Section 11709.4, a dealer is required to pay off a trade-in or an agreed upon amount within 21 days of the transaction. This agreement should be presented in a written document between the buyer of the car and the dealer. However, even if there is not a written agreement, the dealer must abide by California law and pay off the trade-in within the required time period.

Why Doesn’t a Dealer Pay Off a Trade-In Vehicle?

There are multiple reasons that dealers do not pay off trade-in vehicles.

A. The Dealer Is Waiting on the Buyer’s Financing for the New Car

In some cases, the dealer may be waiting for financing for the new car sold to the consumer to be finalized. The dealer may not want to pay off the trade-in until the new car is financed. This protects the dealer in case the buyer does not ultimately receive financing for the new car.

B. The Dealer Doesn’t Have the Money

If the dealer accepts a trade-in without the financial ability to pay it off, they may delay the process. They may be waiting on funds from other sources or anticipate that they will sell other vehicles to pay off the trade-in. In any event, they are violating California law by failing to pay off the trade-in on time.

C. The Dealer Wants to Sell the Trade-In Before Paying It Off

If the dealer is low on funds, they may want to sell the trade-in vehicle before paying it off. Their goal may be to resell the trade-in for as much as or more than is owed on the vehicle. They may utilize this process as long as they comply with California law and pay off the vehicle within 21 days.

D. The Dealer Forgets or Makes a Mistake

Sometimes dealers simply forget to pay off trade-in vehicles. This type of mistake can be seriously detrimental to their own business as well as the new car buyer’s credit. The dealer may owe the buyer damages even if their failure to pay off the trade-in was an accident.

Issues that Arise If the Pay Off Does Not Happen on Time

There are multiple problems that can arise for all parties involved if the pay off of the trade-in vehicle does not occur on time.

A. The Lender May Become Aware of the Trade-In

If the dealer fails to pay off the trade-in, the lender will become aware of the trade-in contract with the dealer. This may be against the buyer’s policy with the lender. If the buyer is found to have violated the lender’s contract, there may be negative consequences that go beyond a hit on the buyer’s credit report.

B. The Lender May Repossess the Vehicle

If a payment is missed, the lender may also repossess the vehicle from the dealer. Since the lender still technically owns the vehicle, they can take possession of it for failure to remain current on payments or breach of contract.

C. The Lender May Report Missed Payments to Credit Bureaus

The lender will likely report the person who traded in the car as being late on payments. This will create a long-lasting blemish on the buyer’s credit report. If the dealer is found to have caused damage to their credit, the dealer may have to pay statutory damages as well as additional compensation.

D. Liability May Remain on the Person Who Trades In The Vehicle

If the trade-in vehicle is still in the new car buyer’s name, then any tickets and other liability incurred under the tag or title may be applied to that individual instead of the dealer. The dealer may try to avoid liability by waiting to pay off the trade-in and keeping the new car buyer’s name on it as long as possible.

Will the Dealer’s Failure to Pay Off My Trade-In Affect My Credit?

It is entirely possible that the dealer’s failure to pay off your trade-in vehicle will have a devastating effect on your credit score. If payments are missed, your lender may notify all three credit bureaus (Experian, Equifax, and TransUnion) when you become 30, 60, and 90 days late.

The reported late payments will cause a substantial drop in your credit score. In fact, missed car loan payments can result in a credit score drop of more than 100 points.

This could also prevent you from obtaining other financing opportunities. If you are trying to get another car loan, personal loan, mortgage, or other credit, the missed payments on your trade-in vehicle will cause a problem.

What to Do After Trading In a Vehicle to Protect Yourself

When you trade in a vehicle, you should maintain contact with the lender and reserve access to your account until you know it is paid off.

You should take the following steps to protect yourself after trading in a vehicle:

• Contact the dealer in writing to make sure payments are being made on time.
• Contact your lender to ensure they know the dealer should be making payments.
• Send the lender a copy of your written agreement (contract) with the dealer.
• Make any payments that you think the dealer has missed.

If you do not think that the dealer is maintaining their part of the deal or they have missed payments, then you should immediately contact a consumer auto fraud attorney. You need someone on your side who understands California Motor Vehicle Code Section 11709.4 and who will protect you./p>

What to Do After Trading in a Vehicle If the Dealer Doesn’t Make Payments

You need to protect yourself as much as possible if the dealer does not seem to be making payments on time or paying off your vehicle pursuant to California law. Here are some steps you can take if you trade in a vehicle and the dealer doesn’t comply with your contract and law:

• Contact the dealer to find out why payment wasn’t made.
• Find out if and when a payment will be made on the trade-in vehicle.
• Contact your lender to explain the situation.
• Request that your lender does not make a negative report to the credit bureaus.
• Contact a consumer auto fraud lawyer right away.

The longer it takes to pay off the trade-in, the worse the consequences will be for all parties involved.

Can I Sue a Dealership for Not Paying Off My Trade-In?

Yes, the dealer’s failure to pay off the trade-in vehicle in violation of your agreement is a breach of contract. It is also against California law. California has several vehicle codes and consumer protection laws that protect you against this type of fraud. You have a right to damages from the dealership if they fail to abide by your contract, violate California laws, and damage your credit score.

Can My Credit Report Be Fixed If the Dealer Doesn’t Pay Off the Loan for My Trade-In Vehicle?

It’s possible to fix your credit after a dealer fails to pay off the loan for your trade-in vehicle. However, the steps you will need to take depend greatly on the facts of your situation.

The Fair Credit Reporting Act (FCRA) is a consumer protection law that protects people from inaccurate or misleading credit reporting. The FCRA may provide you with rights to remove any negative credit reporting related to your vehicle trade-in not being paid off.

There is a very specific procedure that must be followed to possibly remove these items from your credit report. It’s best to contact an auto fraud and credit reporting lawyer to help you with the process.

Your California consumer protection lawyer can help you:

• Gather evidence showing that the dealership should have made payments on the trade-in vehicle or paid off the loan
• Prove that you were not responsible for the payoff of the vehicle
• Show that the information on your credit report is inaccurate and misleading
• Negotiate with the lender to remove certain information from your credit report
• Challenge information on your credit reports with the three major credit bureaus (Equifax, Experian, and TransUnion)

The goal is to help you remove inaccurate information from your credit report so that your score reflects the appropriate information. This is extremely difficult, and the lender and dealership may fight your claims. It’s important to work closely with your consumer protection attorney to navigate this process.

Is It a Crime for the Dealership to Not Pay Off My Trade-In?

While failing to pay off a trade-in is against California law, it is not a crime. It is illegal under California’s vehicle code as well as against the terms of your contract.

If payments for your trade-in are not paid, you will need to contact a consumer law lawyer. Your attorney can contact the dealership and their attorney to explain that you intend to hold them to the terms of the contract. Unfortunately, without pressure from an attorney, many dealers will ignore consumers.

Understanding the Issue with Trade-Ins and Car Loans

When trading in a vehicle with an outstanding loan, consumers may face serious financial risks. The dealership may agree to pay off the existing loan, but there is no guarantee that they will do so. If the dealership fails to pay off the loan, the consumer is still responsible to the lien holder. This can lead to a situation where the consumer has two loans to pay off, with not enough funds to do so. Defaulting on a loan can adversely affect the consumer’s credit rating, making it harder to get a good interest rate on future loans, mortgages, credit cards, or insurance policies.

Legal Options for Consumers Dealing with Car Dealerships

Consumers who are dealing with a car dealership that has failed to pay off their trade-in balance have several legal options. They can file a complaint with the Better Business Bureau (BBB) or the Attorney General’s office. They can also seek legal action against the dealership for breach of contract and violation of state and federal laws, such as the Uniform Commercial Code (UCC) and the Federal Trade Commission (FTC) guidelines. A local attorney specializing in consumer law can help consumers navigate the legal process and seek compensation for damages.

Consequences of a Car Dealership’s Failure to Pay Off a Trade-In

A car dealership’s failure to pay off a trade-in can have severe consequences for the consumer. The credit bureaus may report the late payment to the consumer’s credit report, even if it was the dealer’s fault. This can lead to a negative impact on the consumer’s credit score, making it harder to obtain a mortgage or get a good interest rate on future loans. The consumer may also receive collection calls and letters from the lien holder, adding to their financial stress. In some cases, the consumer may be able to dispute the “Past Due” amount on their credit report, but the credit bureaus may not be required to fix it.

Seeking Help from a Lawyer for Car Dealership Disputes

If a consumer is dealing with a car dealership that has failed to pay off their trade-in balance, it is essential to seek help from a lawyer specializing in consumer law. A lawyer can help the consumer understand their rights and options, negotiate a settlement with the dealership, and seek legal action if necessary. A lawyer can also help the consumer navigate the complex process of disputing errors on their credit report and seeking compensation for damages. By seeking help from a lawyer, consumers can protect their rights and financial interests, and ensure that they are treated fairly by the car dealership.

How Much Money Is My Case Worth?

If a dealer fails to pay off your trade-in, you may be able to get compensation for your damages. Your losses may amount to thousands of dollars depending on how much your car loan was worth and how badly your credit has been damaged.

There is no way to know exactly how much money you can get from a failure to pay off a trade-in vehicle lawsuit. However, you can get compensation for:

• The amount of money the dealer should have paid on the trade-in
• Any monetary losses you have had as a result of the dealer’s actions
• Missed credit opportunities due to a decrease in your credit score

The dealership may be responsible for any losses that you experience as a result of their failure to pay off or make payments on your trade-in.

Contact an Auto Consumer Rights Lawyer

Making a deal with a dealership can land you in hot water if they fail to pay off your trade-in pursuant to California law and your agreement. They should be held accountable for their actions. Attorney Paul Mankin will review your case, gather necessary information, and work to protect your consumer rights.

Call Law Office of Paul Mankin, APC at 800-219-3577 for a case consultation today.

by Paul Mankin

Are You Receiving Calls About Your Boscov’s Credit Card Account?

Do you have a Boscov’s credit card account that is past due? Is Boscov’s, Comenity Bank, or a third-party debt collector calling you repeatedly? Even if you owe them money, you have rights. They cannot harass you about your debt.

Comenity Bank owns Boscov’s credit card accounts. They are known for harassing consumers who are past due on payments. Attorney Paul Mankin can help you make the calls stop. Call Law Office of Paul Mankin, APC at 800-219-3577 for a case consultation.

Who Is Boscov’s?

Boscov’s is a family-owned department store based in Exeter Township, Pennsylvania. There are forty-nine stores with locations in Pennsylvania, New York, New Jersey, Delaware, Maryland, Ohio, Connecticut, and Rhode Island. They also have an online storefront. Products sold by Boscov’s include clothing for the whole family, jewelry, beauty, home goods, toys, and more.

Boscov’s Credit Card Is Owned by Comenity Bank

Boscov’s offers consumers a credit card that allows them to earn rewards for purchases. You can earn points for money spent in various departments and throughout the year. You can also receive 15% off your first day’s purchases when you open and use Boscov’s credit card. Members also enjoy birthday and holiday bonus offers. 

Boscov’s credit card is used at Boscov’s department stores, but the credit account is owned by Comenity Capital Bank. If you miss a payment, Comenity Bank will call to try to collect the debt. If they are unsuccessful, they may also hire a third-party debt collection company to try to recover money from you. They may sell your debt for pennies on the dollar and the third-party will own your debt.

How Does Comenity Bank Violate Consumer Rights?

Comenity Bank and their third-party debt collectors are known for violating consumer rights of people who have Boscov’s credit cards. Some of the actions they take violate state and federal laws, including doing things like:

• Using harassing, abusive, and obscene language on phone calls
• Threatening consumers with violence
• Calling consumers an unreasonable number of times
• Lying about the legal status of a debt
• Threatening an unintended lawsuit
• Calling at unreasonable hours (before 8:00 a.m. or after 9:00 p.m.)
• Talking to unauthorized persons about the debt

If Comenity Bank or a third-party debt collector has taken these actions against you about your Boscov’s credit card account, then you should immediately contact a consumer rights attorney. Even if you are behind on payments, you have rights. Call Law Office of Paul Mankin, APC at 800-219-3577 for a case consultation.

How Do Federal Laws Protect Consumer Rights?

Consumers who own a Boscov’s credit card are protected by federal laws, including the Fair Debt Collection Practices Act (FDCPA) and Telephone Consumer Protection Act (TCPA). These laws ensure creditors treat consumers fairly. They prohibit abusive, deceptive, and unfair actions when creditors are recovering debts.

Violations of the FDCPA should be reported to the Federal Trade Commission (FTC). Consumers can recover statutory compensation for violations of their rights.

The TCPA primarily addresses the way telephone marketers contact consumers. It prohibits harassment and unfair treatment. It also allows the Federal Communications Commission (FCC) to establish a national Do-Not-Call List.

State Protections of Consumer Rights

Many states also have laws that protect consumer rights. For example, California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA) protects consumers who have Boscov’s credit cards and reside in California. It requires creditors to treat debtors with respect, honesty, and fairness. The RFDCPA allows for statutory compensation as well as damages for emotional distress.

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

If Comenity Capital Bank violated your consumer rights, you may be able to file a lawsuit against them and recover money for the stress the put you through. The exact amount of money you can get depends on:

• Severity of legal violations
• Number of times laws were violated
• Your actual damages

Federal laws like the FDCPA allow you to get statutory compensation of $1,000 for consumer rights violations. You can also get money for attorney fees and court costs, which can add up. State laws like California’s RFDCPA allow for statutory compensation, but you can also get money for emotional distress. In fact, some plaintiffs have gotten as much as $300,000 for emotional damages.

What Are Debt Collectors Allowed to Do When Collecting My Boscov’s Credit Card Debt?

There are many activities that state and federal laws prohibit as against consumer rights. However, debt collectors are allowed to attempt to collect debts for your Boscov’s credit card.

• Collecting Debts After the Statute of Limitations Has Passed

For example, they can attempt to collect your debt even if it has exceeded the statute of limitations. A statute of limitations is a deadline after which a lawsuit cannot be filed. Thus, while the debt collector cannot threaten a lawsuit or actually file one, they can still attempt to collect your debt even if it is past the statute of limitations.

• Filing a Lawsuit to Collect on The Debt

If the deadline has not passed, then Comenity Bank may file a lawsuit against you to try to collect the debt that you owe. If they win in court, then they may garnish your wages as well. It’s important to work closely with a debtor’s rights attorney to ensure your rights are protected if a creditor sues you.

• Negotiate Your Debt

Comenity Bank is known to negotiate a lower interest rate or accept less money than you actually owe. It’s often best to have your attorney reach out to negotiate these terms with Comenity Bank or a third party who owns your debt. This may end up being a very beneficial situation for you to rectify your debt for less than you owe.

Contact a Boscov’s Credit Card Harassment Lawyer for Help

If you owe money to Boscov’s credit card and Comenity Bank keeps calling about it, you should team up with a consumer rights lawyer who will protect you. Even if you are past due on payments, you have rights. Common violations of those rights can result in compensation for you.

Call attorney Paul Mankin today at 800-219-3577 for a case consultation.

by Paul Mankin

Is Big Lots Harassing You About Your Past Due Credit Card Account?

Is Big Lots repeatedly calling you about your credit card account? You can stop the calls by working closely with a consumer protection lawyer who will help you protect your rights. Even if you are past due on your account, creditors cannot harass you.

Your Big Lots credit card is owned by Comenity Capital Bank. Comenity and its third-party debt collectors are known to harass consumers like you. Attorney Paul Mankin can help you stop the calls and hold the creditors accountable. Call Law Office of Paul Mankin, APC at 800-219-3577 for a case consultation.

Who Is Big Lots?

Big Lots Stores, Inc. (Big Lots!) is an American retail company based in Columbus, Ohio. It has more than 1,400 stores in 47 U.S. states.  They sell furniture, home goods, décor, clothing, toys, health and beauty items, and various other items.

Big Lots! originated as Odd Lots in 1982 as a closeout store. The stores were originally owned by Consolidated Stores Corporation. When the brand was bought out by Revco, a drug store chain, they began to expand outside of Columbus, Ohio. They did enter Canada in 2011, but they exited the Canadian marketplace in 2014 due to poor sales.

Big Lots Credit Cards and Rewards Cards

Big Lots! has both a rewards card and a credit card available to consumers. The rewards card does not involve purchasing items on credit and is not owned or affiliated with Comenity Capital Bank. However, the Big Lots credit card is owned by Comenity Bank, and if you get behind on payments, Comenity will call you to try to recover that debt.

Benefits of the Big Lots credit card include money back rewards, no interest when purchases are paid within a certain amount of time, flexible financing options, new cardholder discounts, and cardholder exclusive offers.

Why Is Comenity Bank Calling About My Big Lots! Credit Card Account?

Your Big Lots credit card is owned and managed by Comenity Bank. Thus, if you miss a payment, Comenity Bank will call you to try to recover that debt. If they are unsuccessful, they may hire a third-party debt collector to make those calls. They may even sell your debt for pennies on the dollar and a third party will own your debt.

Comenity Bank and their third-party debt collectors are known to harass consumers like you. If they do refuse to respect your rights, then you should immediately contact a consumer rights attorney. Call attorney Paul Mankin at 800-219-3577 for a case consultation.

State and Federal Consumer Rights Laws

State and federal consumer rights laws protect you against Big Lots credit card harassment. The Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), and Rosenthal Fair Debt Collection Practices Act (RFDCPA) prohibit creditors from violating consumer rights.

• FDCPA – This federal consumer protection law prohibits Comenity Bank from using abusive, deceptive, and unfair actions to recover debts from consumers like you. You can get statutory compensation for violations of the FDCPA. Violations of this law should be reported to the Federal Trade Commission (FTC).
• TCPA – This federal law addresses the way telephone marketers can contact consumers and prohibits harassment. It also allows the Federal Communications Commission (FCC) to establish a national Do-Not-Call List.
• RFDCPA – This is California’s consumer rights law that requires creditors to treat debtors with respect, fairness, and honesty. If harassment occurs, it allows consumers to get statutory compensation as well as damages for emotional distress.

How Does Comenity Bank Harass Consumers About Their Big Lots Accounts?

Comenity Bank and third-party debt collectors often harass consumers who have Big Lots credit card accounts. They violate consumer rights laws by:

• Using inappropriate, abusive, or obscene language on phone calls
• Threatening consumers with violence
• Repeatedly calling consumers an unreasonable number of times
• Lying about the legal status of a debt
• Threatening a lawsuit if they do not intend on filing one
• Calling at unreasonable hours of the day and night (before 8:00 a.m. or after 9:00 p.m.)
• Talking to unauthorized parties about your debt

How Much Money Can I Get For My Big Lots Credit Card Harassment Lawsuit?

If you do have to file a lawsuit against Comenity Capital Bank for harassment, then you may be able to get statutory compensation (an amount set by law) as well as damages for emotional distress. The exact amount you can get depends on:

• Severity of legal violations
• Number of times laws were violated
• Your actual damages

The federal FDCPA allows you to get statutory compensation of $1,000 as well as attorney fees and court costs. California’s consumer protection law, the RFDCPA allows for statutory damages, but also allows you to get damages for emotional distress. Some plaintiffs have received as much as $300,000 for the harassment they faced.

Contact a Big Lots Credit Card Harassment Lawyer For Help

If you are being harassed by Big Lots, Comenity Bank, or a third-party debt collector because of your past due credit card account, you need to contact a consumer rights attorney as soon as possible. These companies will try to cover up their illegal actions, and we need to collect the evidence quickly. Our first step is a case consultation so we can find out exactly what is happening with your case.

Attorney Paul Mankin is ready to fight for you. Call Law Office of Paul Mankin, APC at 800-219-3577 to move forward with your case.

by Paul Mankin

Stop the Collection Calls About Your Avenue Credit Card Account

Is Avenue Credit Card calling you about your past due account? Have you asked them to stop, but they refused? You have rights, even if you are behind on payments to your Avenue credit card. State and federal laws protect you from creditor harassment.

Comenity Capital Bank owns your Avenue credit card account, and they are known for harassing consumers like you. Attorney Paul Mankin knows how Comenity Bank operates, and he can make the calls stop. Call Law Office of Paul Mankin, APC today at 800-219-3577 for a case consultation.

Who Is Avenue?

Avenue is a plus-size women’s apparel company that sells dresses, tops, pants, swim, shoes, sleepwear, and accessories. Their target audience is women between the ages of 25 and 55 who wear a size 14 or larger. The Avenue also operates women fashion brands Loralette, Cloudwalkers, Hips & Curves, and City Chic.

At one time, there are more than 200 Avenue stores in 33 states throughout the United States. However, in 2019, all Avenue stores were closed, and they became an online only retailer.

Avenue clothing stores began in 1983. It is based in New Rochelle, New Jersey. The company has gone through several parent companies due to sell outs and bankruptcies.

What Is the Avenue Credit Card?

There are two Avenue credit cards that consumers might own, including the Avenue Premier and Avenue Elite. Each of these cards has different benefits and perks.

The Avenue Premier card gives cardmembers 20% off the entire first purchase when the card is approved. They also get a $10 rewards certificate with a new card. Cardmembers earn rewards with every purchase, including 5% back in rewards. Avenue Premier members get 40% off one item during their birthday month. They also get advanced notice of sales, special events, and trends.

An individual may earn Elite status when they spend at least $400 in a 12-month period. Avenue Elite cardmembers get many of the same benefits as Premier cardmembers as well as some additional ones. For example, an Elite cardmember can earn a $20 rewards certificate with a new card. They earn one point for every $1 spent and receive a $10 rewards certificate for every 200 points earned. They can participate in Elite Bonus Point Days. Elite cardmembers get 50% off one item during their birthday month. They also get free standard shipping when they receive a reward certificate.

Why Is Comenity Bank Calling About My Avenue Card?

Although Avenue credit cards are exclusively used at Avenue brand stores, the credit account is owned by Comenity Capital Bank. If you fall behind on payments to your Avenue credit account, Comenity Bank or a third-party collection agency may call to try to recover money for that debt.

Comenity Bank typically tries to handle past due accounts on their own; however, they may hire a third party if their efforts to get money are not successful. They may even sell your debt to a third party for pennies on the dollar.

You Have Rights Against Creditor Harassment

Regardless of who owns your Avenue credit card debt, you have rights. Even if you are behind on payments, creditors cannot harass you and treat you poorly. There are state and federal laws that protect consumers, 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 actions Comenity Bank often takes that violate consumer rights include:

• Repetitious phone calls or use of electronic communications without your permission
• Use of obscene or profane language
• Threats of harm or violence
• Calling you without telling you their name
• Lying about the legal status of your debt
• Threating a lawsuit if they do not intend to file
• Calling at unreasonable times (before 8:00 a.m. or after 9:00 p.m.)
• Talking to unauthorized parties about your debt

If Comenity Bank or a third party debt collector has used any of these tactics against you, then you should immediately contact a consumer rights attorney to handle a case against them. Attorney Paul Mankin can help. Call Law Office of Paul Mankin, APC at 800-219-3577 for a case consultation.

Federal Laws Protect Your Consumer Rights

There are federal laws that prohibit debtor harassment, including the Fair Debt Collection Practices Act (FDCPA) and Telephone Consumer Protection Act (TCPA).

The FDCPA prohibits abusive, deceptive, and unfair treatment of debtors by creditors. If a creditor does harass a consumer, then they may have to pay them statutory compensation. Violations of the FDCPA should be reported to the Federal Trade Commission (FTC).

The TCPA is a federal law that addresses the actions of telephone marketers, prohibiting harassment of consumers. It also allows the Federal Communications Commission (FCC) to establish a national Do-Not-Call List.

California State Law Protecting Consumers

The Rosenthal Fair Debt Collection Practices Act (RFDCPA) is a California law that protects consumers within the state. It requires creditors to treat consumers with respect, fairness, and honesty. In addition to statutory compensation, it allows consumers to get money for emotional distress if they are harassed.

What Is the Value of My Avenue Credit Card Harassment Lawsuit?

Avenue credit card, Comenity Bank, and third-party debt collectors who violate consumer protection laws should be held accountable. You might wonder how much your case is worth. The exact value of your case depends on:

• How severely they violated the law
• Number of times they acted illegally
• Your actual damages

Federal laws, such as the FDCPA, allow you to collect up to $1,000 in statutory damages for harassment by creditors. You can also get money for attorney fees and court costs. California laws, including the RFDCPA, allow for statutory damages as well as emotional distress. In fact, some California plaintiffs have gotten as much as $300,000 in damages.

Contact an Avenue Credit Card Harassment Lawyer Today

If Avenue Credit Card, Comenity Capital Bank, or a third-party debt collector are calling and harassing you about your past due account, then you should contact a consumer rights attorney right away. Attorney Paul Mankin will review your situation and help you decide if an Avenue credit card harassment lawsuit is the right choice.

Call Law Office of Paul Mankin, APC today at 800-219-3577 to schedule a case consultation

by Paul Mankin

Are You Receiving Calls About Your Past Due Appleseed’s Account?

Becoming past due on your Appleseed’s credit account does not mean that the creditor can call and harass you to try to get the money. You have rights even if you are behind on payments. State and federal laws protect you against creditor harassment.

Appleseed’s credit card account is managed by Comenity Bank. If Appleseed’s, Comenity Bank, or their third-party debt collectors are violating your rights, you need a consumer rights attorney on your side. Attorney Paul Mankin can help. Call Law Office of Paul Mankin, APC at 800-219-3577 today.

Who Is Appleseed’s?

Appleseed’s began as “Johnny Appleseed’s” in 1946 and was based in Beverly, Massachusetts. It originally sold men’s, women’s, and children’s clothing as well as other goods. Today, Appleseed’s focuses on women’s apparel lines.

Appleseed’s target consumers are women in the Baby Boomer generation. They claim to offer “classic” women’s apparel for the “prime-time” woman.

Appleseed’s is part of Blue Stem Brands, Inc., which offers men’s and women’s apparel, footwear, and accessories. The parent company also sells home goods, health and wellness products, beauty items, items for hobbyists, food and seasonal gifts, and more. They all specify that they target “mature, active living” individuals.

Why Is Comenity Bank Calling Me About My Appleseed’s Account?

Comenity bank owns Appleseed’s credit accounts. If you become past due on your credit card, Comenity Bank will call you to try to recover the debt. If their efforts are not successful, they may hire a third-party debt collector to try to get money. They may even sell your debt for pennies on the dollar and the third-party will own your debt.

Although you may be behind on your payments, Comenity Capital Bank and their debt collectors for Appleseed’s do not have a right to violate your consumer rights. If they are harassing you, you should contact a consumer protection attorney right away. Attorney Paul Mankin is available to help. Call 800-219-3577 to schedule a consultation of your case.

How Can I Stop the Debt Collection Calls from Appleseed’s?

You can tell Appleseed’s and Comenity Bank to stop calling you. Tell them that you want everything in writing. You should specifically tell them not to call your home, work, or relative’s phone numbers. You may also write them a letter stating that you do not want them to call you.

If Comenity Bank continues to harass you or calls you excessively, you should immediately hire a debtor protection lawyer. Your attorney can send the debt collectors a letter telling them to stop or file a creditor harassment lawsuit. You can even get money if they violate your consumer rights.

What Do Debt Collectors Do to Harass Consumers?

Debt collectors like Comenity Capital Bank often harass consumers who have past due credit card accounts at stores like Appleseed’s. There are state and federal laws that protect you from that harassment, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Debt collectors often violate consumer rights by:

• Using abusive or obscene language on a phone call
• Threatening consumers with violence
• Calling repeatedly or an unreasonable number of times
• Lying about the legal status of a debt
• Threatening a lawsuit when none exists
• Calling at unreasonable times (before 8:00 a.m. or after 9:00 p.m.)
• Talking to unauthorized parties about debt

Although Comenity Bank has been sued for violating these laws, the company continues to harass consumers. The Federal Trade Commission (FTC) reports thousands of complaints against Comenity Capital Bank every year.

Federal Laws That Protect Consumers

There are two primary federal laws that protect consumers against creditor harassment. Those include the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA).

• FDCPA – This law protects debtors against unfair collection practices. Violations should be reported to the FTC. It allows statutory damages for consumers who have been harassed.
• TCPA – This law prohibits harassment of consumers by telephone marketers. It also allows the Federal Communications Commission (FCC) to regulate the national Do-Not Call List.

State Law Protects Consumers

Residents of California with an Appleseed’s account are also protected by the Rosenthal Fair Debt Collection Practices Act (RFDCPA).This California state law forces creditors to treat debtors with fairness and honestly. You can also get compensation under the RFDCPA if you are harassed by debt collectors.

How Much Money Is My Appleseed’s Credit Card Harassment Lawsuit Worth?

If Comenity Bank and other debt collectors violate your consumer rights, you may be able to get compensation under state and federal laws. The exact value of your case depends on several factors, including:

• The severity of the creditors’ legal violations
• The number of times they violated the law
• Your actual damages

Federal laws, such as the FDCPA, allow you to get up to $1,000 in statutory compensation for harassment by debt collectors. Those companies will also have to pay your attorney fees and court costs.

California’s RFDCPA allows you to get statutory damages as well as money for emotional distress. Some California consumers have received as much as $300,000 because of the emotional distress they endured.

An Appleseed’s Credit Card Harassment Lawyer Can Help You

Even if you are behind on payments to your Appleseed’s account, you have rights. Creditors cannot constantly harass you and lie about your accounts. They should be held accountable for their actions.

Contact attorney Paul Mankin to find out what options you have to stop the harassing creditor phone calls. You can even get compensation for their actions against you. Call Law Office of Paul Mankin, APC today at 800-219-3577 to schedule a case consultatio

by Paul Mankin

Stop Harassment About Your Ashley Stewart Credit Card Account

Is Ashley Stewart or other creditors calling you about your credit card account? Do they refuse to stop or call at all hours of the day and night? Even if you are behind on payments, you have rights. They are not legally allowed to harass you and should be held accountable.

Your Ashley Steward credit card is owned by Comenity Bank, which often harasses consumers who are past due on their payments. Attorney Paul Mankin can help you make the calls stop. Call Law Office of Paul Mankin, APC today at 800-219-3577 for a case consultation.

Who Is Ashley Stewart?

Ashley Stewart is a women’s apparel company that focuses on providing lifestyle clothing to plus-size individuals. It was founded in American in 1991 and was inspired by the upscale fashion of Laura Ashley and Martha Stewart.

There are more than 90 Ashley Stewart stores in 22 states. They filed for bankruptcy in 2010 and 2014; however, the company has made a comeback in recent years.

Why Is Comenity Bank Calling About My Ashley Stewart Account?

Although you use your card at Ashley Stewart, the account is actually owned by Comenity Capital Bank. If you fall behind on payments to your Ashley Stewart credit card account, then they may call you to try to recover the debt.

Comenity Bank will begin by calling you to try to get the money they feel that you owe. However, they may hire a third-party debt collection agency to contact you as well. If they are not successful, they may sell your debt to a third party for pennies on the dollar. You will then owe money to the third party instead of Ashley Stewart or Comenity Bank.

What Does Ashley Stewart Do to Harass Consumers?

The Ashley Stewart credit card and debt collectors are known for violating consumer rights when trying to get money. There are state and federal laws that protect consumers, 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 actions Comenity Bank is known for taking that violate consumer rights include:

• Using harassing, abusive, or obscene language on a phone call
• Threatening violence towards consumers
• Repeatedly calling an unreasonable number of times
• Lying about the legal status of debt
• Threatening a lawsuit if it is not an action they will take
• Calling at unreasonable times (before 8:00 a.m. or after 9:00 p.m.)
• Talking to an unauthorized party about a consumer’s debt

If Comenity Bank takes these actions against you, then you should immediately contact a consumer rights attorney who can protect you. Attorney Paul Mankin is here to help. Call Law Office of Paul Mankin, APC at 800-219-3577 for a case consultation.

State and Federal Laws Protect Your Consumer Rights

There are multiple state and federal laws that protect your consumer rights against creditor harassment. The most commonly referenced laws include the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), and the Rosenthal Fair Debt Collection Practices Act (RFDCPA).

• FDCPA – This is a federal law that protects debtors’ rights and allows them to collect compensation for abusive, deceptive, or unfair treatment. Violations of the FDCPA should be reported to the FTC.
• TCPA – This federal law prohibits harassment by telephone marketers and allows the Federal Communications Commission (FCC) to establish the national Do-Not-Call List.
• RFDCPA – This is a California state law that requires creditors to treat debtors with respect, fairness, and honesty. It allows debtors to get statutory compensation as well as damages for emotional distress.

How Much Money Can I Get For My Ashley Stewart Credit Card Harassment Lawsuit?

If you file a lawsuit against Comenity Bank or other creditors who are violating your rights, you may be able to get various types of compensation. The exact amount of money you can get depends on:

• How severely they violated the law
• Number of times they acted illegally
• Your actual damages

The FDCPA allows you to get statutory damages of up to $1,000 as well as attorney fees and court costs. California’s RFDCPA allows you to get statutory damages as well as money for emotional distress. In some cases of extreme emotional distress, California plaintiffs have been awarded as much as $300,000.

Do I Need a Consumer Protection Lawyer?

Although you are not required to get legal advice for your Ashley Stewart credit card harassment case, you should know that you will be at a disadvantage if you do not. The creditors will have teams of attorneys on their side. They will violate your rights, and you may not know how to stop them.

When you work with a consumer rights attorney like Paul Mankin, you have someone on your side who knows the laws. You don’t have to deal with the complex legal issues on your own.

Contact an Ashley Stewart Credit Card Harassment Lawyer Today

Attorney Paul Mankin has worked with countless clients who were behind on payments to Ashley Stewart. He understands that Comenity Bank will harass consumers and take advantage of them. And, Paul Mankin is ready to fight back.

When you contact Law Office of Paul Mankin, APC, you get a team of legal professionals on your side. Call us today at 800-219-3577 to schedule a case consultation.

by Paul Mankin

Is Comenity Bank Harassing You About Your Abercrombie & Fitch Credit Card?

If you had an Abercrombie & Fitch credit card, you may wonder why Comenity Bank or other third-party collectors are not contacting you. Although you were able to use the card at Abercrombie & Fitch, the card was actually managed by Comenity. If you are past due on payments, the bank and their collection agencies may be trying to collect on that debt.

Comenity Bank and its third-party debt collectors are known to harass and violate the rights of people with Abercrombie & Fitch credit cards. Attorney Paul Mankin will help you stop the calls from creditors and get you back on your feet. Call Law Office of Paul Mankin, APC at 800-219-3577 for a consultation.

Who Is Abercrombie & Fitch?

Abercrombie & Fitch was founded as Abercrombie Co. in 1892 by David Abercrombie. The stores originally sold outdoor supplies, including high quality camping, fishing, and hunting gear.

Abercrombie & Fitch has evolved to be a global retailer of apparel and accessories for men, women, and children. They are comprised of five brands, including Abercrombie & Fitch, abercrombie kids, Hollister, Gilly Hicks, and Social Tourist.

The company has three home offices in Columbus, Ohio, USA; London, England; and Shanghai, China. It has more than 750 stores and employs over 25,000 associates.

What Is the Abercrombie & Fitch Credit Card?

The Abercrombie & Fitch credit card was issued by Comenity Capital Bank, which is based in Draper, Utah. The credit card was offered by Abercrombie & Fitch until May 2020. The company does still offer a membership-based points system called myAbercrombie.

Since Comenity Bank actually owns the credit accounts issued under the name of Abercrombie & Fitch, the bank is the entity that will contact you if you fall behind on payments. They may even transfer your account to a third-party debt collector who will make calls on their behalf.

State and Federal Laws Protect You Against Comenity Bank’s Harassment

Even if you are behind on payments to your Abercrombie & Fitch credit card, Comenity Bank does not have a right to harass you. There are state and federal laws that protect consumers’ rights, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Abercrombie & Fitch credit card debt collectors cannot:

• Use abusive, harassing, or obscene language towards you
• Threaten to be violent
• Call you an unreasonable number of times
• Lie about the legal status of your debt
• Threaten to sue you if a lawsuit is not pending
• Call at unreasonable hours (before 8:00 a.m. or after 9:00 p.m.)
• Tell an unauthorized party about your debt

Comenity Bank, Abercrombie & Fitch credit card, and their collection agencies have been sued many times for violating the TCPA, FDCPA, RFDCPA, and other regulations. Despite ongoing efforts to stop the harassment, the Federal Trade Commission (FTC) reported that there are more than 200,000 complaints every year about creditors violating the rights of consumers.

If your consumer rights have been violated by Comenity Bank or a collection agency regarding your Abercrombie & Fitch credit card, you should immediately contact a debt harassment lawyer. Call attorney Paul Mankin at 800-219-3577 to schedule a case consultation.

The FDCPA Protects You Against Abercrombie & Fitch Harassment

The Fair Debt Collection Practices Act (FDCPA) protects consumers against abusive, deceptive, and unfair collection practices by creditors like Comenity Capital Bank. Violations of the FDCPA by Abercrombie & Fitch credit card and collection agencies should be reported to the FTC. You can get compensation for damages under the FDCPA if your rights have been violated.

California’s RFDCPA Protects Consumers’ Rights

The Rosenthal Fair Debt Collection Practices Act (RFDCPA) is a California state law that protects consumers’ rights in a similar manner that federal laws protect debtors. It forces debt collectors to respect the rights of debtors and act with fairness and honesty. You can get statutory damages under the RFDCPA like you can federal laws; however, you may also be eligible for emotional distress as well.

Consumers Are Protected By the TCPA

The Telephone Consumer Protection Act (TCPA) primarily applies to telephone marketers. It allows the Federal Communications Commission (FCC) to make regulations that prohibit harassment of consumers. The FCC also coordinates the national Do-Not-Call registry under the TCPA.

How Does Abercrombie & Fitch and Comenity Bank Violate Laws?

Comenity Capital Bank and their third-party collection agencies will make calls to recover past due debt for Abercrombie & Fitch credit cards. They often violate state and federal consumer protection laws. Some of the ways they violate consumer rights include:

• Failure to honor a “Do Not Call” request
• Unsolicited advertisements
• Auto-dialer calls without consent
• Not allowing consumers to opt out of robocalls
• Failure to identify themselves or the original creditor on the call

Abercrombie & Fitch debt collectors often use “auto-dialers” or “robocallers” to contact consumers who owe money. They use recorded statements and automated voice messages. You may not be given an opportunity to opt out of these robocalls. This process is illegal and against federal laws. It should be reported as a violation of your consumer rights.

How Much Is My Abercrombie & Fitch Credit Card Harassment Case Worth?

You can get compensation if Abercrombie & Fitch credit card debt collectors like Comenity Bank violate your consumer rights. The value of your debt harassment lawsuit depends on:

• The severity of the legal violations
• The number of times they violated the law
• Your actual damages

The federal FDCPA allows you to get up to $1,000 in statutory compensation for debtor harassment. You can also get money for attorney fees and court costs. California’s RFDCPA can make your case worth even more. In addition to statutory compensation, you can get damages for emotional distress. Some California debt harassment plaintiffs have been awarded up to $300,000 because of the distress creditors put them through.

An Abercrombie & Fitch Credit Card Harassment Lawyer Can Help You

You deserve a second chance if you’ve fallen behind on your Abercrombie & Fitch credit card payments. The creditors should not be harassing you day and night. A debt harassment lawsuit can help you stop the calls and get you compensation for damages.

Attorney Paul Mankin has the experience to help you fight back against Comenity Bank and the Abercrombie & Fitch credit card debt collection agencies.

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 American Home Account

Are you being harassed by debt collectors about the American Home credit card? Have you asked them to stop, but they continue? You should know that even if you are behind on payments to your American Home account, you have rights. There are state and federal laws that prohibit consumer harassment.

Your American Home credit account is managed by Comenity Bank, which is known for violating the rights of consumers. Attorney Paul Mankin can help you make the harassment stop. Call Law Office of Paul Mankin, APC at 800-219-3577 for a consultation.

Who Is American Home?

American Home is a seller of high-quality home furnishings and accessories. They have been in operation since 1936, and they are based in New Mexico. Their buyers find products in major markets throughout the world and sell them through affiliates in the United States and online.

American Home Furniture offers bedroom, dining sets, living room sets, and more. It also has a large rug department. The company boasts that it has globally curated home accessories as well as unique art.

Why Is Comenity Bank Contacting Me About My American Home Account?

Your American Home account can be used as credit on the store’s products; however, it is actually an account owned and managed by Comenity Capital Bank. If you fall behind on payments to Comenity Bank, they will call you to try to recover money for that debt. They often hire third parties to collect money on their behalf.

Comenity Bank and the third-party collectors are known to harass and violate the rights of American Home credit card owners. If you believe they have violated your rights, you should contact a consumer protection attorney right away. Attorney Paul Mankin is available to help. Call today at 800-219-3577 to discuss your specific situation.

What Happens If My American Home Account Becomes Past Due?

If you do not make timely payments on your American Home account, then Comenity Bank will initially call you to try to resolve the issue. The bank typically tries to avoid involving a third party because they lose money if you don’t pay your entire debt to them directly.

However, if you become excessively late on payments or fail to stay in contact with Comenity Bank about your American Home Furnishings account, they may involve a third-party debt collector. In this case, the third-party debt collector will receive a portion of the money that they are able to collect from you.

In some situations, Comenity Bank will sell the debt to a third party for pennies on the dollar. Then, the collection agency turns a profit when they collect the full debt from you.

Comenity Bank and the third-party debt collection agencies will call, send letters, and take other actions to try and get money from you. They may even threaten a debt lawsuit. Some of their actions may be illegal if they violate your consumer rights.

Consumers Cannot Be Harassed by Debt Collectors

American Home credit card account, Comenity Bank, and collection agencies do not have a right to harass you to get money for debts that you owe. There are state and federal laws that protect consumers, 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 actions that debt collectors often take that violate consumer rights include:

• Using harassing, abusive, or obscene language on a phone call
• Threatening violence towards consumers
• Repeatedly calling an unreasonable number of times
• Lying about the legal status of debt
• Threatening a lawsuit if it is not an action they will take
• Calling at unreasonable times (before 8:00 a.m. or after 9:00 p.m.)
• Talking to an unauthorized party about a consumer’s debt

Comenity Bank has been sued for violating these laws, but they continue to harass consumers. In fact, the Federal Trade Commission (FTC) receives thousands of complaints about Comenity Bank and its third-party collectors every year.

How Do Federal Laws Protect Consumers?

There are multiple federal laws that protect consumers’ rights against creditors. The most commonly referenced laws include the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA).

The FDCPA protects debtors against unfair collection practices that involve abusive and deceptive means to get money. Violations of the FDCPA should be reported to the FTC. A consumer can get compensation under the FDCPA if their rights are violated by creditors like Comenity Bank for an American Home credit card balance.

The TCPA applies to telephone marketers and prohibits harassment of consumers. It also allows the Federal Communications Commission (FCC) to make regulations protecting consumers and regarding the national Do-Not-Call registry.

California State Law Protects Consumers

If you are a resident of California and you have an American Home account, you are also protected by the Rosenthal Fair Debt Collection Practices Act (RFDCPA). This California state law is similar to the federal laws, forcing debt collectors to respect the rights of consumers and treat debtors with fairness and honesty.

You can often get more compensation under the RFDCPA than under federal laws because the state law allows an award for emotional distress caused by the creditors and their agents.

Compensation for Your American Home Credit Card Harassment Lawsuit

If your rights are violated by Comenity Bank and their agents regarding your American Home account, then you may be able to get compensation for that harassment. The value of your case depends on:

• The severity of the legal violations
• The number of times they violated the law
• Your actual damages

Under the FDCPA, you can get up to $1,000 in statutory compensation for harassment by creditors. You can also get money to cover attorney fees and court costs under federal laws.

California’s RFDCPA allows for statutory damages as well as money for emotional distress. In fact, some California plaintiffs have received as much as $300,000 because of excessive emotional distress caused by debt collectors.

An American Home Credit Card Harassment Lawyer Can Help You

There are state and federal laws that protect consumers like you. Even if you’ve fallen behind and are in debt, you have rights. Don’t let creditors like Comenity Bank and their debt collectors take advantage of you.

Contact attorney Paul Mankin to fight back against the creditors who are harassing you day and night. Call Law Office of Paul Mankin, APC today at 800-219-3577 to schedule a case consultation.