Harassment from Home and Garden Showplace?
Are you experiencing harassment over the collection of your Home and Garden Showplace card?
If you are, then you should know that debt collectors are after only one thing. You guessed right- money.
We can all agree that this is money that you actually owe to Home and Garden Showplace, so they’re not entirely in the wrong for calling you. However, we are completely against the methods employed by many of these debt collectors in their collection process.
Some debt collectors are even worse than bullies. Not only are they trying to take your money, but they’re also taking away your rest and peace of mind. If the Home & Garden Showplace debt collector is doing this to you, then you should know that they are violating your FDCPA rights.
About Home & Garden Showplace
Founded in 1989, Home & Garden Showplace is a retail business that specializes in a diverse range of warehouse products, an assortment of lawn and garden seasonal products, and outdoor living products.
They have 13 centrally located warehouses where over 85,000 items can be ordered. The Home and Garden Showplace store rewards credit card is issued by Comenity Bank.
Home and Garden Showplace phone number: 855-842-9246
Address: 8600 W Bryn Mawr Ave, Chicago, IL 60631, United States
How to negotiate with debt collectors when they call about your Garden card
Getting stressed and bullied by Home and Garden Showplace debt collectors when you’re trying to make ends meet is the last thing you need to be putting up with.
If you really can’t pay the Home and Garden showplace Comenity debt at this moment, do not bow to the pressure and give up the little money you planned to use for something essential, such as your health, tuition, or mortgage payments.
If you let them, debt collectors will cajole or even harass you into paying money you do not have. It is your responsibility to set your boundaries right when you are dealing with a debt that is in collection. Prioritize food, shelter, utilities, and transportation; whatever you have left after attending to those four important pillars is what you can afford to spare for the debt collector contacting you to pay your Home & Garden Showplace credit card.
Before we talk more in-depth about payments, you must know these 3 things:
You have rights under the FDCPA that protect you from scary debt collectors. When you understand what a debt collector can and cannot do to you when trying to get you to make payments, you have an edge already.
Even though the Home & Garden Showplace debt collector is mandated to send you a debt verification letter after they contact you, it is very good for you to be aware of the details of the debt yourself. When you know what you owe, down to the last penny, you can immediately detect lies.
You may be able to negotiate a settlement offer
If you really want to pay the Home & Garden Showplace debt and you don’t have a lot of money, you can negotiate with the debt collector.
It is not exactly possible to avoid paying a debt collector. When you borrow, you’re expected to pay it back.
However, as we mentioned before, you may be able to negotiate with a debt collector. In the light of this new piece of information, you should also know that understanding how to go about negotiating with the Home and Garden Showplace debt collector is important.
Although debt collectors are not under any legal requirements to accept your debt settlement offer, (they usually want the full amount), you just might be lucky to arrive at a figure that you both agree to.
If the debt collector contacting you about your Home and Garden Showplace Comenity card accepts an offer, ensure that you get it in writing before you make any payments. Get it in writing and keep it in your records.
Refrain from granting the debt collector access to your account. This can be dangerous for your money. Avoid sending a personal check too, as they may use it to trace your account information. If you have already granted the debt collector electronic access to your checking account, you may want to create a new account for your paycheck and bills.
On a final note, remember that a debt collector is more likely to accept your offer if you offer them a one-time settlement offer, especially if you can pay them on the spot.
Are you getting calls from a Home and Garden Showplace phone number?
Are you receiving any harassing phone calls from any of these numbers over your delinquent Discover card accounts?
If the answer is yes, then you are receiving calls from a known Home and Garden Showplace phone number. You may be a victim of debt collection harassment from the Home and Garden Showplace. The list above is not all the numbers that Home and Garden Showplace uses. The calls can be from different phone numbers and still be Home and Garden Showplace calling you. Cardholders might also receive text messages from these numbers in relation to collecting a credit card debt. Contact our office right away so we can put an end to the harassing calls you may be getting from Home and Garden Showplace.
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 Home and Garden Showplace credit card debt, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com.