The Unexpected Roaman’s Credit Card Bill: When Fashion Debt Turns to Harassment
That Roaman’s Credit Card purchase from years ago shouldn’t mean daily harassment today. If you’re receiving repeated calls about an old Roaman’s balance, you’re likely dealing with a third-party debt collector. These agencies purchase charged-off debts and often use aggressive tactics. Consumer Rights Law Firm PLLC helps consumers stop illegal debt collection calls and hold abusive Roaman’s Credit Card collectors accountable under federal law.
Your Roaman’s Credit Card history can trigger persistent debt collection attempts that may cross into illegality.
The Roaman’s Credit Card Collection Pipeline
Roaman’s Credit Card debt follows a specific path from Comenity Bank charge-off to aggressive collection calls. When an account becomes severely delinquent, Comenity Bank may charge it off and sell it in bulk portfolios. Debt buying firms purchase these for pennies, then assign them to collection agencies who profit by collecting as much as possible.
Understanding how Roaman’s Credit Card debt changes hands reveals why collectors often lack proper documentation.
Federal Rights Against Roaman’s Credit Card Collectors
Collectors of Roaman’s Credit Card debt are fully bound by the Fair Debt Collection Practices Act (FDCPA). This federal law grants you specific, enforceable rights regardless of whether you owe the debt.
Your Key Rights Include:
Right to Validation: You can demand written proof of the debt.
Right to Cease Communication: You can demand they stop calling you.
Protection from Abuse: They cannot harass, threaten, or use false statements.
If a collector violates the FDCPA, you may sue for up to $1,000 in statutory damages plus actual damages, and they must pay your attorney’s fees. The Federal Trade Commission (FTC) provides the complete legal text. FTC: Fair Debt Collection Practices Act
Federal law gives you control over communication and requires collectors to prove your Roaman’s debt is valid.
Knowing these rights is crucial, but enforcing them correctly can be challenging. If your rights are being ignored, a specialist firm like Consumer Rights Law Firm PLLC can help you enforce them effectively.
Has the Roaman’s Collector Crossed the Line?
Harassment is a specific legal violation. For Roaman’s Credit Card debt, these signs indicate illegal behavior:
Calls at Inconvenient Times: Before 8 a.m. or after 9 p.m. in your time zone.
Excessive Frequency: Multiple calls daily intended to annoy.
False Threats: Claims of immediate arrest, lawsuit, or wage garnishment.
Abusive Language: Using profanity, insults, or threats.
Third-Party Disclosure: Telling family or employers about your debt.
What Roaman’s Credit Card Collection Calls Sound Like
These examples are based on actual consumer reports:
Vague Voicemail Pattern:
“This is an urgent message regarding your delinquent Roaman’s fashion account. Immediate action is required to avoid further processing. Call us back immediately.”
(Potential Violation: Fails to identify as a debt collection call.)
High-Pressure Script:
“We’re preparing legal documents for your Roaman’s credit card debt. Pay $300 today to settle this before it goes to court next week.”
(Potential Violation: False threat of imminent legal action.)
Shaming Tactic:
“This is about your unpaid Roaman’s plus-size clothing purchases. Do you really want this affecting your credit over fashion bills?”
(Potential Violation: Abusive language meant to shame.)
Roamans Credit Card Account Phone Number
Are you receiving any harassing phone calls from any of these phone numbers?
| Phone Number | Format | Notes |
|---|---|---|
| (915) 225-4970 | Local | Reported collection / harassment calls |
| (800) 274-7240 | Toll-Free | Commonly reported debt collection number |
| 1-800-677-0229 | Toll-Free | Used by debt collectors |
| 800-459-1025 | Toll-Free | Reported collection calls |
| 1-800-695-0195 | Toll-Free | Reported debt collection number |
| 1-800-695-1788 | Toll-Free | Reported debt collection number |
| 800-459-1025 | Toll-Free | Duplicate number (listed above) |
What to Do If You’re Being Harassed
Follow this structured approach to regain control of the situation.
Immediate Response Protocol:
Document Everything: Log the date, time, number, and caller’s name.
Request Information: Ask for the collector’s agency name and mailing address.
Do Not Engage: Do not acknowledge the debt or make promises.
End the Call: State you will communicate in writing only.
Next Steps:
Send a Validation Letter: Within 30 days, demand debt validation letter via certified mail.
File Formal Complaints: Report violations to the FTC and your state attorney general.
Consult Legal Help: If harassment continues, contact a consumer rights attorney.
Shift from stressful phone calls to controlled, documented written communication.
Managing this process requires precision. Professional guidance from Consumer Rights Law Firm PLLC ensures you use the right strategy at each phase.
Roaman’s Credit Card Call Analysis
The pattern of calls, not just individual calls, determines harassment. Courts look for systematic behavior that shows intent to annoy rather than inform.
Roaman’s Credit Card Collection Call Pattern Reference
| Pattern Type | Example | Legal Status | FDCPA Violation |
|---|---|---|---|
| Rapid Succession | 3+ Roaman’s calls in one hour | Potentially Illegal | § 1692d(5) – Harassment by frequency |
| Early/Late Hours | Roaman’s call at 7:15 AM or 9:30 PM | Illegal | § 1692c(a)(1) – Inconvenient times |
| Continuous Campaign | Daily Roaman’s calls for weeks after dispute | Illegal | § 1692c(c) – Ignoring cease request |
| Vague Identification | Caller doesn’t state they’re a debt collector | Illegal | § 1692e(11) – False representation |
How to Confirm a Legitimate Roaman’s Collector in 2026
With sophisticated spoofing, verification is essential. Follow these 2026 safety steps:
Ask for Credentials: Request their debt collector license number and registered agent information.
Verify Independently: Hang up and search the agency with your state’s financial regulator.
Check Original Creditor: Ensure they can identify Comenity Bank as the original Roaman’s issuer.
Never Use Provided Info: Do not call back numbers they give you.
2026 Scam Alert: Beware of calls demanding payment via gift cards for “Roaman’s account reinstatement.”
Legitimate collectors provide verifiable credentials; scammers create urgency to bypass verification.
Active 2026 Updates in Debt Collection
The regulatory landscape continues evolving with stronger consumer protections.
Stricter Validation Rules: The CFPB emphasizes collectors must have complete documentation before reporting aged debt like Roaman’s accounts.
“Zombie Debt” Crackdown: Increased enforcement against collectors threatening to sue on time-barred debt past the statute of limitations.
Digital Communication Oversight: Regulators now monitor excessive texts and emails as part of harassment patterns.
Credit Reporting Changes: Paid collection accounts are removed from credit reports faster under 2026 guidelines.
Recent regulatory actions provide stronger grounds to challenge collectors of old retail debt.
Legal Violations Reference: Roaman’s Collector Tactics vs. The Law
This chart clarifies where common tactics become illegal.
| Collection Tactic | Is It Legal? | FDCPA Law Reference | Why It’s Illegal |
|---|---|---|---|
| Threatening to sue on time-barred Roaman’s debt | Illegal | § 1692e(2)(A), (5) | Misrepresents legal enforceability |
| Calling before 8 a.m. about Roaman’s account | Illegal | § 1692c(a)(1) | Calls at known inconvenient time |
| Using profane language about fashion spending | Illegal | § 1692d(2) | Constitutes abusive conduct |
| Failing to send written validation notice | Illegal | § 1692g(a) | Violates right to dispute debt |
| Implying they are from Roaman’s or Comenity | Potentially Illegal | § 1692e(9) | Falsely represents debt’s character |
Get Help With Roaman’s Credit Card Debt Collection Harassment
If the calls about your Roaman’s Credit Card are overwhelming, threatening, or simply won’t stop, you don’t have to face this apecializes in stopping illegal debt collection harassment.
We can help you understand your options, handle communication with the collector, and take appropriate legal action to stop the harassment and protect your rights under the FDCPA. You can contact us for a confidential consultation to discuss your specific situation.
Since 2010, we’ve helped consumers stop harassment and recover compensation while maintaining an A+ rating with the Better Business Bureau.
Contact us today at (877) 700-5790 for a confidential consultation about your situation with Roaman’s Credit Card.
Success Stories
Amazing working with Matt G. He handled my case quickly and with ease. I got my debt and attorney fees taken care of and off my report. Matt was great at communicating and always made me feel heard. Couldn’t recommend him more!
Working with Matthew was quick and easy. He explained everything very well and got the things done and now I don’t have to worry about debt collectors coming to threaten me. He was able to get me a debt waiver and they’re taking it off my credit report, thank you so much for that. And I recommend him to anyone else looking for help!
Hands down worth all 5 stars! Everything that Scott said would happen, happened! He said the calls would stop, the calls stopped. He said no money out of pocket for their services and no money out of my pocket was spent. No more harassing calls, my credit report is being updated, and I’m getting money back! It’s a win-win! Highly recommend if you get a call from this firm, answer it! So worth it!
Frequently Asked Questions (FAQs)
Why am I being contacted about a Roaman’s Credit Card?
Your old Roaman’s Credit Card account was likely charged off by Comenity Bank and sold to a third-party debt collection agency.
Do I have to pay a Roaman’s debt collector?
Only if the debt is valid, within the statute of limitations, and you are the responsible party. Always request written validation first.
Can a Roaman’s collector sue me or garnish my wages?
They can only sue if the debt is within your state’s statute of limitations. Wage garnishment requires a court judgment they don’t yet have.
What is the statute of limitations for Roaman’s Credit Card debt?
It varies by state, typically 3-6 years from your last payment or acknowledgment of the debt.
What if I never had a Roaman’s Credit Card?
This indicates error or fraud. Immediately send a written dispute stating the debt isn’t yours.
What numbers do Roaman’s debt collectors call from?
They may use various numbers including (915) 225-4970 and (800) 274-7240, but the caller’s conduct matters more than the specific number.
How can I get them to stop calling me?
Send a written cease and desist letter via certified mail demanding an end to all telephone communication.
Will this debt appear on my credit report?
If reported, yes. However, 2026 rules have reduced the impact of paid collections on credit scores.
Should I make a small payment to stop the calls?
No. Any payment can restart the statute of limitations on old debt, making it legally enforceable again.
How do I find a lawyer for Roaman’s debt harassment?
Look for a consumer rights law firm with specific FDCPA experience. Many, like Consumer Rights Law Firm PLLC, offer free consultations.
From Harassment to Financial Control
Debt from a closed store account should not lead to ongoing harassment. You have clear rights under federal law to demand proof, stop unwanted calls, and challenge illegal behavior. By taking informed, documented action or seeking professional legal support you can stop the harassment over your Roaman’s Credit Card debt and move forward with confidence and control over your financial situation.
This content is for informational purposes only and does not constitute legal advice. Contact a qualified attorney regarding your specific situation.
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