Facing Draper’s and Damon’s credit card harassment?
Are you facing Draper’s and Damon’s credit card harassment? Harassment from debt collectors like Draper’s and Damon’s can be very stressful and can threaten an individual’s peace of mind. But more than that, they have been known to lead to very serious issues like loss of jobs, invasion of privacy, mental stress, physical illness, and other terrible occurrences.
Debt collectors calling you regarding your Drapers Damons Credit Card is legal. Damons & Drapers can hire them to contact you and collect the debts on their behalf. But the debt collector has to abide by strict rules from the FDCPA while pursuing the debt.
This means that while the debt collector calling regarding Draper’s and Damon’s credit card debt is allowed to do so, they are not allowed to make you feel threatened or like a criminal. That is illegal.
The Federal Trade Commission does not tolerate debt collection harassment and the Fair Debt Collection Practices Act protects you from it.
Some debt collectors recognize these laws and obey them, employing only fair methods in their collection process; however, other debt collectors disregard the laws and cross the line in their collection processes. They engage in all forms of force and verbal violence, leading to the consumer feeling harassed.
If the debt collector calling you regarding your Draper’s and Damon’s Credit Card debt has done this, they have violated your rights and you can take up action against them to end the harassment.
About Draper’s & Damon’s Credit Card
The Draper’s and Damon’s credit card is a card from Comenity Bank that grants customers bonuses upon arrival.
The Drapers and Damons credit card rewards are available only for more Drapers and Damon’s store spending.
Drapers & Damon card rewards cardholders for their loyalty spending, however, in the case where you, as the card owner slips up on your Damon’s credit card payments and have a huge balance carry over for a statement’s end, the opposite should be expected; an equally huge fee that would wipe out all the rewards the card owner has worked so hard to earn.
Note that the Drapers & Damon Credit Card program came to an end on the 14th of March 2022, and new applicants are no longer accepted for the Draper’s and Damon’s Credit Card program. However, they have promised to send existing card members additional information about how the new change affects their accounts.
Steps to stop debt collector harassment over your Draper’s and Damon’s credit card
If you’ve been wondering how to stop Draper’s and Damon’s credit card harassment, wonder no more. We’re here with the solution. You do not have to keep enduring constant headache-inducing calls, profane and obscene language, violent threats, harassing text messages, and more from debt collectors because of your Damons & Drapers Credit Card debt. You can take legal action to stop the harassment.
Send a cease-and-desist letter
You can end the annoying ceaseless calls from the debt collector contacting you about your Drapers and Damon’s store debt by sending them what is known as a cease-and-desist letter. This letter doesn’t take the debt away, but it stops them from calling you.
After stopping the calls, you can then, with a calm mind, decide your next line of action. You have to make a decision early because the debt collector may choose to file a lawsuit against you.
Keep proof of harassment.
Ensure that you document and keep records of all the inappropriate and illegal behavior from the debt collector.
Any violation of your rights under the FDCPA should be recorded, documented, and kept in a file. Keep a log of the phone call harassment from the debt collector as well.
- File a complaint to the Federal Trade Commission or your state’s Agency
If the harassment you are facing over your Draper’s and Damon’s credit card becomes unbearable, then you may report it to the FTC, or your state’s attorney general. The FTC will share your report with over 3,000 law enforcers, and use the information contained within to investigate fraud and other unethical practices. Nevertheless, these organizations receive thousands of complaints daily, hence, taking the case to an attorney may be the fastest way to get your case of debt collection harassment against Draper’s and Damon’s resolved.
Consider a lawsuit
You can choose to sue the debt collector for harassment if the harassment becomes unbearable.
If you choose to go with this option, you must do so within one year from the time of the harassment. You can sue for damages in a federal or state court and be awarded up to $1,000 in statutory damages including fees for your attorney.
Take note that none of these invalidates your debt. The debt remains active regardless of the harassment, and Drapers Damon’s is still legally allowed to collect it.
Are you getting calls from a Draper’s and Damon’s 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 Draper’s and Damon’s credit card number. You may be a victim of robocalls from the Draper’s and Damon’s. The list above is not all the numbers that Draper’s and Damon’s use. The calls can be from different phone numbers and still be Draper’s and Damon’s 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 stop the harassment you are currently receiving from a Draper’s and Damon’s credit card 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.