Have you been receiving calls over your Modells credit card?
Typically, being in debt is challenging and terrifying not to mention having to deal with debt collectors altogether. Instead of focusing on the frustration and challenges of owning a debt, it is best to focus on possible ways to be set free from debt.
If debt collectors have begun contacting you about making Modells credit card payments, then it means that your creditor has either sold the debt to them or has hired them to collect the debt from you. Whichever be the case, the debt collector now has the responsibility of ensuring that you make Modells credit card payments.
Even though the Models credit card debt collector has the right to call you about the debt, there are limits. The Modells credit card debt collector must not call you at odd hours, call people to tell them about your debt, harass you or deceive you in any way. If they do this, they have violated your rights under the FDCPA.
While you seek ways to pay Modells bill, you shouldn’t be put under unnecessary pressure and stress by debt collectors. If you feel that you are being stretched to your limits during the debt collection process, then it may be because your rights are being violated. You should speak with a consumer protection attorney immediately by calling 877-700-5790 to discuss your rights and know your options.
About Modells credit card
The Modell’s credit card issued by Comenity bank makes it convenient for cardholders to make payments at dinner dates with their loved ones.
The Modells MVP program offers different credit cards (the Modells MVP visa credit card, the Modells VIP card, the Modells rewards card, the Comenity Modells sporting goods card, the Modells Mastercard, and the Modells MVP platinum Mastercard.)
Although the Modells MVP program was stopped on the 13th of March 2020, and all accounts are no longer accepted for purchases, you can still pay your modells bill by using the Modells online payment portal via comenity.net/modellsmvp and comenity.net/modellsmvpvisa.
Mvp Modells Phone Number:(212) 822-1000.
Address: 12921 South Vista Station Boulevard Salt Lake County Draper, UT 84020
How to break free from your Modells credit card debt
Being in debt is not a great experience. You must have had a taste of the unpleasantness if you’ve fallen back on your Modells credit card payment.
The tips below will help you break out of debt.
Establish a budget
Creating a budget is a great start. It helps you figure out how much money is coming in and going out and then helps you determine how much money you can set aside to make Modells credit card payments.
However, once you have successfully created a budget, it is important to stay true to it as diligently as possible and make changes when necessary once you have a better understanding of your income and expenses.
Generate more money
Find ways to earn more which in turn can give you a big advantage when it comes to paying off your debts earlier. You can work part time, work overtime, find a side job, or sell junk around the house to make more money and reduce your debt.
Ever heard about debt consolidation?
A credit card balance transfer or debt consolidation loan can help you save hundreds or even thousands of dollars when paying off debt. The idea here is to swap debt with a higher interest rate for debt with a lower interest rate. With a balance transfer card, you may even be able to get an introductory offer of 0% APR for a year or more.
Make use of debt repayment strategies
It is necessary to be strategic in order to clear off debt. There are two methods to consider which are the snowball method and the debt avalanche method which can also be applied to your Modells credit card debt.
Using the long snowball method, you make minimum monthly payments across all your accounts except the account with the lowest balance. Then you take the money you should be paying for your other debts and invest as much as possible in the smallest debt until it’s paid off. You then move on to the next smaller balance and repeat the process until you have paid off all your debts.
Another similar approach with a twist is the debt avalanche method. With this method, you make minimum monthly payments across all your accounts except for the account with the highest interest rate. Then allocate as much money as possible to pay off the debt with the highest interest rate. Once the debt is gone, move on to the debt with the next higher interest rate, and so on. This method will likely save you more money than snowballing, but it will be harder to stay motivated when your high-interest debt has a high balance.
You may also consider options like debt counseling – to help gain clarity about your finances and get sound advice about debt consolidation options and debt settlement.
Getting unwanted calls about your Modells credit card?
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 Modells phone number. You may be a victim of harassment from Modells and their affiliated third-party collectors. The list above is not all the numbers that Modells uses. The calls can be from different phone numbers and still be Modells calling you. Cardholders might also receive text messages from these numbers in relation to collecting a V credit card debt. Contact our office right away if you would like to put an end to the harassment.
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.