Getting calls over your Boscov’s credit card debt?
Are you facing harassment from a third-party collector over your Boscov’s credit card? Do you feel threatened and harassed whenever you get off the phone?
Note that the law is on your side, and debt collectors are not allowed to act in a disrespectful manner simply because they are trying to get you to pay off the debt you have incurred on your Boscov’s credit cards.
This law is called the Fair Debt Collection Practices Act (FDCPA) and is codified as 15 U.S.C. § 1692 –1692p. This law ensures that you never have to face the unfair and harassing practices usually meted out by debt collectors in their bid to get consumers to pay Boscov’s bill.
The FDCPA clearly outlines what is considered harassing behavior from debt collectors. Take a moment to go through it to see if anything sounds familiar:
Debt collectors may not Exchange foul, heated, abusive, obscene or threatening words with you
The collector contacting you over your Boscov’s Comenity card may not threaten violence or bodily harm in order to scare you and get you to pay Boscov’s credit card
They may not make false or misleading claims about the amount of debt or its legal status
The collector making attempts to retrieve the debts on your Boscov’s card may not falsely represent themselves as a government agent
They may not call you several times a day or outside of business hours specified by the FDCPA
The debt collector may not ignore your wishes to not be contacted further about making a Boscov’s credit card payment
If your creditor has failed to adhere to these rules while attempting to collect your Boscov store credit card debt, then you may have a valid case. Call an attorney at 877-700-5790 to discuss your options and to learn about what compensations may be available to you.
Who is Boscov?
With locations in Pennsylvania, New York, New Jersey, Delaware, Maryland, Ohio, Connecticut, and Rhode Island, Boscov is a family-owned department store that claims to provide honest pricing and quality merchandise. You can pay Boscov’s bill online by visiting comenity.net/boscovs/pay bill
4500 Perkiomen Avenue. Reading, PA 19606.
Tel: 1 (800) 755-6391
What are debt collectors allowed to do when collecting my Boscov’s credit card debt?
Try to collect a Boscov’s credit card payment when the debt has exceeded the statute of limitations
Debts, like most things, have an expiry date; this is what is known as a statute of limitations. You’re your Boscov credit card debt exceeds the statute of limitations, it means that you can no longer be sued for payment, however, you still owe the debt, and it may affect your credit rating. Debt collectors may contact you over making a Boscov’s payment after the debt is expired, they can, however, not threaten to sue you.
Demand for payment on your debt
The FDCPA laws say that a debt collector cannot harass you into paying your Boscov’s credit bill. It, however, does not say that the collector cannot call you up to demand payment. They are allowed to call you if you haven’t stopped them from doing so, text, email, visit your home, and send you notices for the collection of your debt.
File a lawsuit against you
If you fail to pay what you owe on Boscov’s credit card, then the debt collector is allowed to sue you. The result of these lawsuits is not often pretty, with most of them ending in bank levies or wage garnishments. What’s worse is that the consumer may not show up in court, leading to a default judgement being entered against them.
If you receive a court summons from the agency recovering your Boscov’s credit card bill, the best thing you can do for yourself is to get a lawyer immediately. If you do not have an attorney, you can contact one at 877-700-5790 for further guidance.
Sell or transfer your debt
Your Comenity/Boscov’s card debt may pass through several agencies in the process of collection. Boscov may sell the debt to a third-party collector who may then resell it to another collector if they have been able to recover no (or very little) money.
Be sure to get evidence if you have paid the debt fully or partially. Additionally, ensure you have any debt settlement agreements you have with the collector in writing as well.
Since the third-party collector contacting you over the payment of your Boscov’s credit card may have purchased the debt for just pennies on the dollar, you may be able to negotiate a percentage off the original amount.
Although this doesn’t always work out, and the chances of having your settlement offer accepted are much higher when you have a professional on your side, it’s still worth a try. Just be sure to have it all in writing.
Harassing calls from a Boscov’s credit card phone number?
Are you receiving any harassing phone calls from any of these numbers?
If the answer is yes, then you are receiving calls from a known Boscov credit card phone number. You may be a victim of robocalls from the Boscov. The list above is not all the numbers that Boscov. The calls can be from different phone numbers and still be Boscov calling you. Cardholders might also receive text messages from these numbers in relation to collecting a credit card debt. Contact our office right away so we can start the process to stop the intrusive calls from a Boscov’s credit card phone number.
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication.