Harassing calls over your Comenity GameStop card debt?
Being in debt is bad enough but getting unending calls from debt collectors over the debt definitely doesn’t make it any easier. If you’ve been getting non-stop calls from debt collectors over your Comenity GameStop card debt, then you most likely already know how stressful dealing with debt collectors can be.
The calls from debt collectors concerning your Comenity GameStop card may be overwhelming and intimidating, but you must know that debt collectors often violate the law while trying to get people to pay.
Knowing your rights will help you know when the debt collector calling about your GameStop credit card payment has crossed the line and violated your rights. This will help you stay bold and unfazed. You won’t be intimidated by the scary, albeit unlawful tactics that they employ to collect a debt. What’s more? There is a possibility that you might be able to use the debt collector’s violations of the law to your own advantage by either suing for compensation or getting them to agree to a settlement agreement to avoid a lawsuit.
In addition to this, knowing some of the basic dos and don’ts about responding to a debt collector will help mitigate your fear and anxiety. This will also help you refrain from saying things that may eventually put you at financial and legal risk or expose sensitive details about your GameStop comenity card.
Would you like to know what to do when a debt collector contacts you? Below, we have compiled a list of 4 crucial things you must do when a debt collector calls, but first, who is Gamestop?
About the GameStop PowerUp Rewards Credit Card
The Gamestop card, also known as the powerup rewards credit card offers users the opportunity to shop in-store and online while they pay overtime. The Powerup rewards credit card is valid only for single transactions.
In the case where the single transaction has multiple shipments, each shipment may result in a separate credit plan, subject to a separate minimum purchase requirement and minimum interest charge.
GameStop PowerUp Rewards Credit Card Accounts are issued by Comenity Capital Bank. Gamestop credit card offers are subject to credit approval, and you can visit comenity.net/gamestop to enter your Gamestop credit card login details and get more information.
625 Westport Pkwy. Grapevine, TX 76051
What should you do when a debt collector calls you?
When a debt collector begins to call you about your Comenity GameStop credit card debt, you may begin to feel fear and anxiety. This is understandable because you probably have been thinking about your GameStop credit debt prior to that time and getting the call will only agitate you further; coupled with the fact that debt collectors could be very intimidating and scary sometimes.
If the debt collector calling you to pay a GameStop credit card debt is intimidating, then you need to approach the situation cautiously and wisely. The steps below will help you do that.
Decide if it’s the best time to take the call
When the GameStop credit debt collector calls, don’t pick the call immediately without first deciding if you want to talk to them yet and if you’re in a good place to do that.
You should not pick the Comenity GameStop credit card debt collector’s call until you have learned about your rights, know what you want to do about the debt, and learned whether the statute of limitations has expired on the debt or not.
Speaking to a debt collector unprepared can lead to you reaffirming a debt that should have expired or simply does not exist.
Keep records of the calls
When you eventually take the debt collector’s call, keep a collection log (this is a written record of the date and time the debt collector’s calls, the debt collector’s name, what they say to you, their agency’s address, and details about what was discussed).
You can create this log on your notepad or on your computer. This log will help you make sense of the situation, keep track of how often the debt collector calls, and easily notice when the debt collector begins to make conflicting statements. It’s easy to notice these discrepancies when you have records.
You should also keep records of voicemails and messages that the debt collector leaves for you, especially if the messages were conveyed using abusive language and threats. This evidence will be useful if you make the decision to sue the collector.
Send a cease-and-desist letter if you want the calls to stop
If you want the debt collector to stop contacting you, the FDCPA allows you to send a written request to the debt collector. This letter is called a cease-and-desist letter. If you request that the GameStop card debt collector stops contacting you completely, they must do so, subject to some exceptions.
Before sending a cease-and-desist letter to the Gamestop card collection agency, think carefully about it.
If you would like to keep tabs on the GameStop credit card debt status or open up the lines of communication with the Gamestop credit card collector to negotiate a settlement, a cease communication letter might not be in your best interest.
When you ask the Gamestop credit card collector to stop corresponding with you, they can’t contact you except to serve you with a lawsuit or tell you that they will no longer be contacting you.
However, if you are considering filing for bankruptcy, telling the GameStop credit card collector to stop contacting you may be a good idea.
If you think you don’t owe the debt, tell the collector
You don’t have to pay a GameStop credit card debt if you do not owe it. When the GameStop credit card debt collector calls you, you can let them know that you do not think the debt is legitimate or that you do not owe the debt and tell them why.
If you have valid enough reasons, the debt collector may cease collection completely. You can also request that the debt collector validates the debt, and they must not contact you again until they have done so.
Intimidating calls from a Gamestop 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 Gamestop credit card phone number. You may be a victim of robocalls about your Comenity Gamestop card. The list above is not all the numbers that Gamestop uses. The calls can be from different phone numbers and still be Gamestop calling you. Cardholders might also receive text messages from these numbers in relation to collecting a credit card debt. Contact our office Immediately if you would like to put an end to the harassment.
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 stop the harassment you may be receiving over your Comenity GameStop card, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com.