Are you receiving harassing calls over your Comenity Palais Royal Credit Card?
Getting a phone call from a Comenity Palais Royal debt collector unexpectedly can leave one completely in shock and unprepared not knowing what kind of response to give especially when you have no idea about the ways to approach the Palais Royal Credit Card debt collection process.
With no prior knowledge, you can end up making agreements with the collector to make a Palais Royal Bill Payment you can’t afford. You may also end up in a quarrel with the Royal Cards debt collector who may be insisting you pay a debt you don’t believe you owe or end up restarting the clock on a debt that is past the statute of limitations.
If you’re already receiving calls from a debt collector asking you for a Comenity Palais Royal or Royal Prestige payments, have no fear, stay focused on the information being passed across by the debt collector and ensure you stay confident and aware that you have rights under the FDCPA and must not be bullied.
If you are facing harassment in any way during the collection of debts on your Palais Royal credit card, be sure to reach put to a consumer rights attorney to discuss your rights and options by calling 877-700-5790.
Who is Palais Royal Stores?
Founded in 1921, Palais Royal Stores is an American department store, headquartered in Houston Texas that specializes in providing retail branded apparel. Palais Royal Store retails houseware, footwear, cosmetics, accessories, and apparel.
The Palais Royal Online Store is available for shoppers to get their favorite items, and you can visit it at www.palaisroyal.com.
How do I pay my Palais Royal Credit Card?
For information about Palais Royal credit, or to make your Palais Royal Bill Payment, visit comenity.net/palaisroyal. You can also access your Palais royal sign-in or make your Palais Royal Credit Card application through the above portal.
Remember not to give anyone details to your Palais Royal Account.
Palais Royal customer service phone number: 1-800-324-3244
Address: 10201 Main Street Houston, Texas 77025 USA
Not sure about what to do when a debt collector calls?
Here are the things to do before, during, and after receiving a call from the Royal card debt collector.
Schedule A Convenient Time to Discuss
If in any case you are engaged or engrossed with other things at the moment when the Royal card debt collector calls, let them know you cannot speak at that moment. Fix a convenient time for them to call and even if you can’t wait to get rid of them, you should at least make it a point to write down their name and address so you can send them communication in writing.
Grab A Pen and Paper
Debt collectors will always ensure to write down any information you divulge on the phone. You need to do the same for proper documentation. You may never know when your notes will be of help if the Palais Royal Bill Payment collector decides to sue you in court or if you need to remember a previous discussion. It is essential to know some basic information to write down whenever you talk to a collection agency. They include:
- The date and time of the call
- The name and address of the collection agency you spoke to
- The original creditor’s name
- Things that were discussed over the phone.
Demand To See Evidence Of the Debt
You could always say something like, “I don’t think I owe this debt. Can you send me information about it?” Collection agencies must verify your address before they can send invoices owed. We recommend updating your address. However, debt collectors can always get an updated address from credit bureaus.
If you get a bill with your current address remember not to say anything that can make you be held responsible for paying the debt.
Never Acknowledge The Debt
Consider the phone calls from the debt collector asking you to Pay Palais Royal Credit Card as mere interrogation. You do not owe any debt until it is proven that you do. Do not oblige to any settlement or make any payment until it is proven that the debt is indeed yours and the debt collector can pursue it. It is very common for debt collectors to fabricate debts or pursue debts that have expired and passed the statute of limitations. You need to confirm the authenticity of the debt through the debt validation process, which simply entails writing a letter asking the collector to send proof that the debt belongs to you.
Don’t share information about your bills, earnings, or debts
There are various ways collection agencies get information about you and one of them is through your credit report. They may even use it to try tricking you into making payments right away. For example, you might say, “I see you are up to date with your credit card payments, therefore you can definitely pay off the debt.” Or “Don’t you work for this company, surely you can afford to pay for it.”
Keep in mind that any information you provide during a phone call will serve as leverage to collect the debt. On that note, there’s no point in discussing your personal or financial information with the Royal card debt collector.
End The Call, If Needed
In a situation where the collector catches you unaware, you may not be in the best position to negotiate. You need time to confirm that you have debt and to decide if you can afford to make Comenity Palais Royal card payments and whether it makes sense to pay off the debt at all. When a debt collector calls you, make sure to keep the conversation short. You just need to say a few things such as:
- Not a convenient time, please call back by 5
- Can I see proof of this debt, I don’t believe it is mine.
- I’d rather negotiate with the original creditor. Please send me your address so I can send you a desist letter.
- I’m not allowed to take calls at work.
Any other words you utter may be unnecessary, as they may provide the debt collector with additional information to pursue the debt.
After the Phone Call, What Next?
Make a decision about what to do once you end the call. There are several things you can do: disagree with the debt using the debt validation process, send a cancellation and waiver letter, request a cancellation payment, propose a settlement, or pay the debt in full. You can’t ignore debt, because that’s often not the solution, especially if it’s still within the statute of limitation time limit and period.
For more information or to make further enquiries, do reach out to our team of A+ accredited attorneys at 877-700-5790.
Getting debt collection calls over your Comenity Palais Royal 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 Comenity Palais Royal phone number. You may be a victim of debt collection harassment, and you should not be silent about it. The list above is not all the numbers that Palais Royal uses. The calls can be from different phone numbers and still be Palais Royal calling you. Cardholders might also receive text messages from these numbers in relation to collecting a Comenity Palais Royal credit card debt. Contact our office right away so we can stop the unwanted calls.
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 unwanted calls regarding your Comenity Palais Royal credit card, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com.