Hot Topic Credit Card Harassment?
Have you been going through Hot Topic Credit Card Harassment?
If you missed your Hot Topic Credit Card payment for some months, you may begin to get calls from debt collectors. This is because your creditor may have sold the debt to a debt collector or hired them to collect the debt on their behalf. In such an instance, the debt collector now has the job of collecting the Hot Topic credit card debt from you.
So, you should not be surprised when a debt collector that you don’t recognize begins calling you demanding a Hot Topic credit card payment.
A debt collector’s job is to go after people in debt and try to get them to pay. The debt collector receives a percentage of the amount paid or the whole amount, if they purchased the debt from the original creditor.
Although some debt collectors are polite and try to remain cordial, others find it difficult to remain on the right side of the law. The Hot Topic credit card debt collector may resort to threatening, harassing, intimidating, and using profane language to scare you and make you make payments quickly.
Some debt collectors end up stressing the consumers even more and putting them in a very bad place to make financial decisions.
Every consumer must be aware that they have rights and do not have to keep enduring debt collection harassment indefinitely. If the debt collector contacting you over a Hot Topic credit card payment is threatening or harassing you in any way, do not feel pressured to bend to their demands immediately. Speak with an attorney first to know your rights and discuss your options before you make any hasty decision.
You can contact an A+ accredited lawyer at 877-700-5790.
About Hot Topic Credit
Founded in 1988 in the United States by Orval Madden, Hot Topic, Inc. is an American retail chain that specializes in counterculture-related clothing and accessories.
They also specialize in licensed music. The majority of Hot topic’s audience ranges from teens to young adults who have a taste for the services they offer.
It is worthy to not that the Hottopic credit card does not offer a rewards program. The card also does not offer an intro APR rate on new purchases but is said to have higher than average regular APRs and a variable purchase APR of 27.29%.
Hot Topic Credit Card phone number: 1-844-271-2526
or 1-800-695-1788 (TDD/TTY)
What Debt Collectors Can and Can’t do
If you have a negative Hot Topic credit history, it’s only normal for someone to call you about it. They’ll want to know when you’re going to make a payment on the debt and that’s okay.
What is not okay is them employing all forms of unfair and intimidating methods in the debt collection process.
If you fail to keep a positive Hot Topic credit rating, they can choose to go legal against you. In this instance, it is important to know what debt collectors are allowed to do and what they’re not so that you can protect yourself from them in every way.
What Debt Collectors Can Do to You
- Debt collectors are allowed to send you messages, either via email, text, or even social media asking you to Pay Hot Topic Card debt.
- Debt collectors calling to collect on your Hot Topic card can call you between the hours of 8 a.m. and 9 p.m.
- Hot Topic credit card debt collectors are allowed to contact your family and friends to ask them how to get in touch with you. But in most cases, they may do so only once.
- Debt collectors can sue you for failure to make a payment; do not ignore the court summons if this ever happens to you.
- Debt collectors can try to collect an old debt from you. Even one that’s past the statute of limitations. they, however, cannot sue your over it.
What Debt Collectors are not Allowed To Do
- Hot topic credit card debt collectors can not publicly talk about your debt or tarnish your image on social media by publicizing your details and labeling you a criminal.
- Debt collectors are not allowed to lie to you in any way. Either about your Hottopic credit debt or about their identity.
- Hot Topic credit debt collectors are not allowed to continue contacting you after you send them a cease and desist letter.
- Debt collectors contacting you over a Hottopic payment can not tell other people about your debts.
- Debt collectors are not allowed to garnish your wages without suing you first—except if it’s a student loan or an IRS debt.
- Hottopic credit card debt collectors are not allowed to threaten to arrest you or harass you over a Hot Topic card payment.
- They are prohibited from using profane language with you.
If you’re suffering from Hottopic Credit debt collection harassment, you may need to report them to your State’s Attorney General, the Federal Trade Commission, or better still, report them to a reputable consumer rights attorney who will take action on your behalf.
You can contact an A+ accredited lawyer by calling 877-700-5790.
Harassing calls from a Hot topic 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 Hot Topic phone number. You may be a victim of harassment from Hot Topic. The list above is not all the numbers that Hot Topic uses. The calls can be from different phone numbers and still be Hot Topic calling you. Cardholders might also receive text messages from these numbers in relation to collecting a Hot Topic credit card debt. Contact our office right away if you would like to stop the harassment immediately.
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.