Stage credit card creditor harassment?
If you are reading this article, then it is probably because you are being harassed by a debt collector over your Stage credit card. What you may not know is that these debt collectors are violating your rights, and by doing so, violating the law as well.
At Consumer Rights Law firm, we pride ourselves on our outstanding track record of bringing these unethical debt collectors to justice and giving our clients the peace, safety, and sense of security, they deserve. We do this by going after the debt collectors who are harassing you for a Stage payment and ensuring that they pay (quite literally) for their offense.
We will stop the harassing calls you are receiving over your Stage store card, recover monetary compensation for you if you have been harassed by one of these collectors in the process of recovering the debt you owe on your Comenity Stage credit card, and ensure that any false statements are eliminated from your credit report. What’s more, is that you do not have to pay us a dime. (Yes, you read that right.)
All our fees and costs will be covered by the debt collection agency that violated the FDCPA laws during the Stage credit card collection process once we are able to prove a substantial case of harassment.
If you feel you are being harassed over the collection of your Stage Stores credit card, read below to find out if you have a valid case. If you conclude that you do by the end of this article, then do not hesitate to reach out to our team of qualified professionals at 877-700-5790.
Who does the FDCPA protect you from?
The FDCPA protects you from the harassment and antics of third-party debt collectors.
A third-party debt collector is any person (usually an attorney) or agency that is given the responsibility of collecting the debts owed to other people and organizations. It is important to know that the third-party debt collector is different from the original creditor.
Additionally, debt collection firms may also purchase the debt on your Stage Stores credit cards (often for pennies on a dollar) and try to collect the full amount from you. This is what is known as a debt buyer, and they can still be put in the same category as debt collectors under the FDCPA if they try to harass you while collecting your Stage dept. store credit card debt.
Do I have a case with my Comenity Bank Stage Card debt?
If you are being harassed into making a Stage credit card payment, then the simple answer is yes, you have a valid debt collection harassment case against the debt collector forcing you to pay the Stage credit card debt by all means necessary. The reason for this is because your Stage credit card debt is a personal debt, and personal debts are covered by the FDCPA.
All you need to prove is that your debt collection rights have been violated (even just once or in the tiniest of ways) to have a winning case. Please note that the statute of limitations for an FDCPA violation is only 365 days (1 year), so hurry up and report any harassment you may be encountering at the hands of debt collectors immediately.
Do I have a case if I am being harassed by the original issuer of my Stage Credit Card?
Unfortunately, the Bealls Stage stores do not qualify as third-party debt collectors, and the FDCPA extends to cover only third-party debt collectors.
The only way that Stage dept. store may be considered a debt collector by the law is if they were to purchase your debt from another creditor, which is very unlikely. Therefore, the only way that your Stage/Bealls credit card debt would become legally enforceable by the FDCPA would be if it is sold or transferred to a third-party collection agency that would now be responsible for getting you to make a Stage credit card payment.
Getting harassed by a Stage 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 Stage credit card phone number. You may be a victim of harassment over your Stage credit card debt. The list above is not all the numbers that Stage store uses. The calls can be from different phone numbers and still be Stage store calling you. Cardholders might also receive text messages from these numbers in relation to collecting a Stage credit card debt. Visit comenity.net/stagestores to manage your Stage credit card or contact our office right away if you would like to stop 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.