Is a debt collector harassing you over your Colombian Emeralds Credit Card Payment?
Due to the economic situation, it is not unlikely for people to fall behind on paying their bills. This may have been your case with the Colombian Emeralds Credit Card.
Your ability to generate income may have been affected by situations beyond your control, and this is never your fault. If your Colombian Emeralds International Credit Card debt has been in delinquent status for some time, you can be sure that debt collectors will begin to call and demand money.
Debt collectors, as their name suggests, are companies whose business is to contact people who have debts that have gone into delinquency and try to get them to pay. Therefore, you shouldn’t be surprised if a collection agency calls you asking you to make a Colombian Emeralds Payment. They may have bought the debt from Columbian Emeralds or have been hired to collect the debt on behalf of the company.
People tend to use the terms “creditor” and “debt collector” interchangeably, but these concepts have two separate meanings.
Creditors are the individuals or businesses you owe money directly, in this case, Colombian Emerald. They are the ones that originally grant the loan or credit, expecting to be paid back.
If they don’t get paid on time, they may choose to hire another company whose job is to pursue the debt and recover it. This new company hired by the original creditor is what is known as the debt collector.
If you’re dealing with a debt collector, then what you must know is that there are laws that protect you. Because many times, debt collectors harass consumers, laws like the FDCPA were enacted to protect you from their rebellious antics. If you’re being harassed by a debt collector attempting to make collection efforts on your Colombian Emeralds credit card, you should reach out to a certified attorney at 877-700-5790 to discuss your options and to know to secure the financial compensation that you are entitled to.
Who is Colombian Emeralds?
With a history of over 40 years in business, Colombian Emeralds has become one of the biggest retailers in the nation. They have spread to more than 60 locations in Central America, the Caribbean, and on-board Norwegian Cruise Lines.
Colombian Emeralds offers a large and broad selection of renowned jewelry and watch brands. They produce most of the emeralds for the global market and are located in northern South America.
PO Box 5868 Ft Lauderdale, FL 33310 United States
Is a debt collector trying to collect a debt you do not owe on your Colombian Emeralds credit card?
One form of debt collection harassment that is not spoken about as often as the others, is debt collectors knowingly or unknowingly trying to collect debts that you do not owe.
This could mean that the debt collectors from Columbian Emeralds use false information to attempt to get money from you, or that there is a mistake in the process of transferring the Colombian Emeralds International credit card debt from one collection agency to another, leading to an alteration in the amount or another important detail, such as the name of the owner of the debt.
The Colombian Emerald Jewelry debt collector may also be contacting you about a debt owed by someone else or one that has been settled, or discharged in bankruptcy.
Regardless of the way the misleading information comes, it is never a pleasant situation to be in. If you find yourself in a situation where you feel that you may be being falsely accused of having a delinquent Colombian Emeralds credit card payment, the first thing you should do is demand more information from the debt collector.
Usually, the debt collector contacting you regarding the Colombian Emeralds International Credit Card should send you a written notice within the first five days of contacting you. The notice should contain how much you owe, to whom you owe it (in this case, Colombian Emerald Jewelry), how to make payments, and what to do to dispute the debt if you feel that there has been a mistake. If this notice is not sent, ask for it.
You can also send the Colombian Emeralds Credit Card debt collector a letter through certified mail asking for more information. Do not assume responsibility for the Colombian Emeralds Credit Card Payment debt in any way until you are sure, beyond the shadow of reasonable doubt, that the debt is indeed yours.
To ensure you do not give out more information than you should or say the wrong things, you can use the letter samples provided by the Consumer Financial Protection Bureau, or better still, contact a certified attorney at 877-700-5790 to do so on your behalf.
Are you getting harassing calls over your Colombian Emeralds credit card?
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 Colombian Emerald Jewelry phone number. You may be a victim of robocalls from the Colombian Emerald Jewelry. The list above is not all the numbers that Colombian Emerald Jewelry uses. The calls can be from different phone numbers and still be Colombian Emeralds calling you. Cardholders might also receive text messages from these numbers in relation to collecting a credit card debt. Contact our office right away if you would like to know how to stop the harassment that you may currently be receiving from Colombian Emerald Jewelry.
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.