Have you been facing and enduring Overstock credit card harassment?
You missed payments on your Overstock credit card. Bills kept piling up month after month. Expenses are rising, and your income is not.
You probably wanted to settle down and attend to your Overstock payment but somehow you didn’t get to do that for months until your Overstock card debt eventually got into the hands of debt collectors. You desire to pay the debts that have accumulated on your Overstock Credit Card, but it hasn’t been convenient.
Unfortunately, the situation is about to get worse because the debt collector who is now in charge of your Comenity Overstock credit card debt will not give you any peace until you have paid off the debt.
However, don’t get frustrated yet. There’s some good news.
While you seek ways to pay up the Overstock Commenity credit card debt, the last thing you need is a debt collector harassing, threatening, or making you miserable. In line with this, some laws were enacted to protect you.
If a debt collector’s actions are beginning to make you feel uncomfortable, they are probably breaking the law and violating your rights under the FDCPA.
This is strongly frowned against by the law, and you can sue the debt collector and recover up to $1,000 in statutory damages. Call us now at 877-700-5790 if you have any questions.
About Overstock Credit Card
The Overstock Credit Card allows you to purchase home items and goods exclusively on overstock.com. The card provides card users with special financing options for up to 24 months!
How do I pay my overstock credit card?
You can make payments for your Comenity Overstock credit card or access your Overstock login by visiting their Comenity page at comenity.net/overstock.
Overstock Credit Card customer service phone number: (800) 843-2446
Address: 799 Coliseum Way, Midvale, UT 84047, USA
Important tips for communicating with debt collectors
Talk when it’s convenient for you
Speaking with an Overstock credit debt collector unprepared may not end well. You should first get ready by understanding your rights and how debt collection works.
Preparation also involves collecting your emotions and being in a more emotionally stable place to speak. It is important not to let emotions like sadness or even anger show in your communication with a debt collector. Additionally, you shouldn’t harass or threaten the Overstock Comenity bank credit card debt collector either.
Listen more than you speak
You may divulge more information than you should if you keep talking when the debt collector asks for an Overstock credit card payment. Instead of talking, listen.
Ask the Comenity bank overstock credit card debt collectors as many questions as possible, even obvious ones.
Don’t admit to owing the debt
Saying only a few words is advisable. If you say too much and end up divulging too much information, you may ruin things for yourself.
One thing you shouldn’t do is admit to owing the debt. Even if you’re sure you owe the debt and the question on your mind is “how do I pay my overstock credit card debt,” you still shouldn’t voice it out.
This can restart the statute of limitations on the debt or commit you to pay a debt you didn’t have to pay otherwise.
Keep records of everything
From the times the Overstock store card debt collector calls to the things they say, to whatever agreement you make with them. Have a note where you document everything.
Keep your own copy of every letter exchanged between you and the debt collector, every document they sent you, and a record of what was said during all the conversations you had. Having a witness to attest to the fact that you were in the debt collection process can also be a big bonus.
Are you getting endless calls over a due Overstock Credit Card payment?
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 Overstock phone number. You may be a victim of debt collection harassment from the collector Overstock has hired to pursue you over the payment of a debt. The list above is not all the numbers that Overstock uses. The calls can be from different phone numbers and still be Overstock calling you. Cardholders might also receive text messages from these numbers in relation to collecting an Overstock credit card debt. Contact our office right away so we can stop all the harassment you may be facing from Overstock.
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.