Facing harassment over your Haband credit card?
If you have been facing harassment over your Haband credit card debt, this is a very important article for you to read.
Getting a call from a debt collector asking for a Haband credit card payment can feel stressful and overwhelming; however, when you receive a call from the Haband credit card debt collector or any other collection agency, don’t lose your cool. Take a deep breath, relax, and make a plan. You’ll be in a better position to handle future calls and figure out a way to settle the Haband credit card payment if you need to.
When it comes to the Haband credit card debt collection process, it’s crucial to know your rights.
What exactly can a debt collector do to you when trying to make a collection attempt on your Comenity Bank Haband credit card, and what are they not allowed to do? Having this knowledge is key to making an effective plan to handle your Haband credit card payment and the entire debt collection process.
A debt collector is not allowed to harass or threaten you in any way in an attempt to get you to make payments. If the debt collector asking about a Haband payment has harassed you in any way, they have violated your consumer rights, and you may be able to sue them in exchange for compensation, alongside other benefits. Contact us today at 877-700-5790 if this is something you are interested in gaining more clarity about.
About the Haband Credit Card
The Haband credit card program for people who shop at the Haband store has ended, effective March 14, 2022. Because of this, Haband is no longer accepting new applications for the Haband credit card program.
They have however stated that their existing cardmembers will receive additional information about how the change affects their Haband account.
Nevertheless, you could still receive a debt collection call regarding your Haband account that has gone into delinquency; that is what this article is about.
Tel: +1 570 383 3226.
1 International Blvd #800, Mahwah, NJ 07495, United States
How to deal with debt collectors
Wondering how to deal with the debt collector calling about Haband credit? Below are 5 great ways to deal with your Haband credit card debt collectors. Please note that these tips apply to third-party debt collectors and not original creditors.
Don’t turn a deaf ear
Ignoring the debt collector asking you to pay Haband credit card will not make them stop making attempts to collect the debt. Debt collectors are quite persistent and will keep calling you. Plus, having an unresolved debt is never good news for your credit score.
Listen more and talk less
Do not on any account admit to owing the Haband credit card debt when you have not received a debt verification letter.
When a debt collector calls, ask as many questions as possible but do not divulge unnecessary information. You can not go wrong when you talk about only what is necessary.
Ask the debt collector who the original creditor is/was (Even if you’re sure it’s Haband Credit Card, you can still ask), what the original debt amount is and how much is owed now.
The more information you can get from the debt collector, and the less you divulge, the better.
Ask about the statute of limitations on the Haband credit card debt too. This is because if the statute of limitations has expired, the Haband credit debt collector can no longer sue you to collect the debt. If you’re ignorant of this, and you admit to owing the debt, you can restart the clock on it and make it valid again.
Get it in writing
If the Haband Card debt collector is legitimate, they should know that they are required to send you a document detailing your Haband card debt. This document should tell you who the original creditor is, how much you owe, and how to dispute the debt if you want to.
If you need the debt collector to send you a verification letter, send a written request, so that it is documented. When they send you the letter back with information about the debt, verify that the debt is yours first. And if you don’t believe the debt is yours, you can send a dispute letter, but you must do so within 30 days, or else the debt collector may lawfully assume that you admit to owning the debt.
Don’t give the debt collector your personal details
Whether you can pay the debt or not, avoid talking too much. Don’t share any unnecessary information over the phone, including that you can pay and how you intend to. Instead, request a debt verification letter with the original debt information.
Try settling or negotiating
Very few people know this, but since debt collectors often purchase your debt for pennies on the dollar, they are often open to negotiating a slightly lower amount with you. Additionally, most debt collectors are open to the idea of providing you with a payment plan, so this is one option you should definitely consider.
After you’ve received the letter about the Haband credit card debt, and have verified that the debt is yours, ask the debt collector if they will agree to will settle for a part of the cost if you pay immediately. If they do not accept this but insist on the full amount due, ask if you can set up a payment plan.
Intimidating calls from a Haband credit card phone number?
+1 570 383 3226.
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 Haband credit card phone number. You may be a victim of harassing calls from Haband. The list above is not all the numbers that Haband uses. The calls can be from different phone numbers and still be Haband 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 will like to stop the unethical calls you may be receiving over the collection of your Haband 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.
If you are interested in learning more about how to stop the harassment stemming from the collection of your Haband credit card, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com.