Gardner White credit card debt harassment?
Have you been enduring Gardner white credit card debt harassment?
It should not come as a surprise that you begin to hear from debt collectors if you’ve fallen behind on your Gardner White credit card payment.
If a debt collector has begun calling you about your Gardner white payment, you will almost certainly hear them claim that you need to pay them and that you need to do so immediately.
When your Gardner White credit card debt extends over a duration of time, Gardner White may sell or transfer the debt to a debt collector who now has the responsibility of getting the debt from you. This is legal and the debt collector is allowed to call you. However, one thing you must know is that many debt collectors go too far in their debt collection attempts. They try to bully consumers into paying the debt immediately. That is harassment and should not be endured or tolerated.
If you’re being harassed by a debt collector over your Gardner-white furniture credit card, you need to know that there are rights that protect you from such treatment. The Fair Debt Collection Practices Act is a federal law that states what practices debt collectors must never employ in their debt collection practices.
According to the FDCPA, debt collectors must never use deceptive, unfair, or violent debt collection methods.
If you have been a victim of any of these on account of your Gardner white credit card debt, your rights have been violated and you can take legal actions against the collection agency and get awarded up to $1,000 in statutory damages.
Who is Gardner-White?
Gardner-White Furniture Company Inc. (also called gardener and white), founded in 1912 is an American furniture retailer. Gardner-white furniture is based in Auburn Hills, Michigan. It was founded by Eugene Clinton White and John G. Gardner.
The Gardner-White Credit Card program has ended, effective October 30, 2021, however, existing cards are still managed by Comenity bank.
4445 N. Atlantic Blvd. Auburn Hills, MI 48326
4 things debt collectors won’t tell you about your Gardner White credit card debt
In the game of debt collection, your greatest asset is knowledge. Many consumers are usually disadvantaged because of their lack of knowledge in the area.
When a debt collector calls you about your Gardner white credit card debt payment, they’ll feel more confident and bossier once they sense your ignorance and they’ll try to keep the important information you need to know away from you. Having the right information ahead of time is the best thing you can do for yourself. Below are some of the things you should know, and debt collectors may not tell you.
Many of their threats are empty
When the debt collector calling about your Gardner white Comenity debt notices that you probably cannot pay the debt immediately or that you’re not bending to their demands, they may begin to make threats like locking you up for refusing to pay.
What you do not know is that that threat does not hold true in the world of debt collection.
When a collector says, they are going to inform your creditor (in this case Gardner white credit) that you have refused to pay the debt, they are just using reverse psychology. Gardner-white furniture obviously already figured out that you aren’t paying the bill, that was why they sent your Gardner-white furniture debt to a collection agency in the first place.
The Gardner-white furniture debt collector may also try to impose a deadline on you, creating a false sense of urgency and claiming that the deal will no longer be available if you waste time.
The truth is that settlement offers usually improve over the course of about 3 months (that is, in a non-legal collection scenario).
They must stop calling you at work if you tell them to
If you’ve been getting debt collection calls at your place of work about your Comenity/Gardner white debt, you can actually ask the debt collector to stop, and they have to. The Fair Debt Collection Practices Act makes it clear that debt collectors should immediately cease contacting a consumer at their place of work if the consumer asks them to. But debt collectors do not want you to know that.
They are prohibited from telling third parties about your debt
The only people that should know about your Gardner white credit card debt include your creditor, the debt collector, a co-signer, your attorney, and your spouse. The debt collector calling you should not tell any other person about your pending Gardner white payment.
They may only contact people to ask for your number or address but not to tell them about your debt. They’re also not allowed to publish information about you and Gardner-white online. If a debt collector does this, they have violated your rights, and you may have a right to sue them for compensation.
Paying the debt may not help your credit in any way
Debt collectors are desperate to have you pay debts and they’ll do and say anything to do that.
If a debt collector tells you that they will update your credit report to read “Paid in full,” and that will improve your credit, that’s most likely not true.
According to the FCRA, a collection account will remain on your credit reports for seven years and six months from the date you fell behind with the original creditor. Collection accounts, whether paid or unpaid, are negative for your credit.
You can contact us at 877-700-5790 if you have further questions or concerns.
Are you getting calls from a Gardner White 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 Gardner White phone number. You may be a victim of robocalls from the Gardner White. The list above is not all the numbers that Gardner White uses. The calls can be from different phone numbers and still be Gardner White 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 you may be facing over your Gardner White credit card.
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.