Chadwicks Of Boston Credit Card Harassment?
When the debts you have incurred on your Chadwicks of Boston Credit Card bill become overdue, they will contact you about it. If you do not pay up the debt in good time, they will likely sell the debt to a third-party debt collector or hire one to collect the debt from you. When this happens, the collection agency hired to collect the Chadwicks Credit Card debt is now directly responsible for collecting the debt from you.
Having to deal with a debt collector is more complicated than dealing with the debt on your Comenity Bank Chadwicks card directly. Debt collectors are usually more aggressive and persistent than the original creditors themselves. This is because the debt collector wants to put you under pressure and get the Chadwicks Credit Card payment from you so that they can get paid their commission, or gain profit on their investment, as they usually purchase yoyr debt for pennies on the dollar.
This is why as much as possible; individuals are advised to try settling their debt with the original lender before the very dreaded debt collectors come into the picture.
If a debt collector has started calling you about your Chadwicks Credit Card, the first thing you need to do before anything else is verify the debt.
The debt collector must send you a written notice containing comprehensive details about the debt within the first five days of them contacting you. This written notice must contain the amount owed, the debtor, and the name of the creditor to whom money is owed.
If the information is accurate, you must begin to think of ways to pay. While you do this, the debt collector must remain civil and professional in their communication with you.
You should not endure harassment just because you owe a debt, as owing a debt does not amount to you being labeled a criminal.
If you have been harassed during your dealings with the Chadwicks of Boston, then you should definitely reach out to an A+ accredited consumer rights attorney by calling 877-700-5790, for an obligation-free consultation.
Who is Chadwick of Boston?
Chadwicks of Boston, Limited is a big retailer that sells women’s clothing in the United States.
It is the largest off-price catalog retailer of women’s apparel and clothing for the entire family in various sizes. They also sell cosmetics, gifts, and accessories.
Chadwicks Of Boston also sells women’s outfits under private labels. Such name brands include Pierre Cardin, Herman Geist, JG Hook, and Blassport. Established in 1983 by retailer Zayre Corporation, Chadwick’s was sold to Brylane Inc. in 1996. Chadwick’s boasts a mailing list of 11 million names and claims 4.8 million active buyers. The company also owns and operates two outlet stores in New England.
Tel: (508) 583-8110
Fax: (508) 587-1398
Chadwick’s of Boston, Ltd.
35 United Drive
West Bridgewater, Massachusetts, U.S.A.
What debt collectors can & cannot do
If you are dealing with a debt collector making attempts to collect the debt on your Chadwicks Comenity card, you should know that you are protected under the law. The debt collector calling about your Chadwicks credit card must not mislead, harass, coerce or act unconscionably towards you. If the Chadwick credit card debt collector calls you about a legitimate debt, respond politely and formally (without saying anything to admit that you owe the debt just yet) but also expect that your rights should be respected.
The debt collector contacting you about your Chadwicks Comenity credit card debt must not:
- Harass or threaten you in any way.
- Employ the use of violence, physical force, or coercion to get you to pay.
- Tell a third party about your debt.
- Attempt misleading or deceiving you in any way.
- Take unfair advantage of your disadvantages, vulnerabilities, disabilities, or other similar circumstances affecting you.
Owing a debt on your Chadwicks of Boston credit card can be quite stressful, but even in that state, you must remember that you have rights, and no one should treat you like a criminal. The knowledge of your rights, and the boundaries debt collectors have made all the difference.
The debt collectors contacting you over your Chadwicks of Boston Credit Card are generally allowed to contact you to talk about the debt you owe. They may also try to get you to pay. However, your ability to make payments and your personal and financial situation should also be taken into account.
Are you getting calls from a Chadwicks credit card 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 Chadwicks of Boston phone number. You may be a victim of Chadwicks of Boston credit card harassment. The list above is not all the numbers that the Chadwicks of Boston use. The calls can be from different phone numbers and still be the Chadwicks of Boston calling you. Cardholders might also receive text messages from these numbers in relation to collecting a credit card debt. Contact our office right away to know more about stopping the harassment you may be receiving.
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.
If you are interested in learning more about how to be free of the harassment you may currently be facing over your Chadwicks Of Boston credit card, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com.