Debt collectors calling over your Tog shop credit card debt? Stop the calls.
You may be getting harassed over your Tog shop credit card debt and not even realize that you are being harassed.
This is because Tog shop creditor harassment can come in several forms. It could be that the Tog shop credit card collector places annoying and repetitive phone calls to you with the intention of frustrating you into paying up your debt, or that they use profane language, issue threats, lie to you about the amount or legal status of the Tog shop Comenity card debt in question, or engage in any other unethical practice frowned upon by the FDCPA.
According to the laws outlined in the Fair Debt Collection Practices Act (FDCPA), debt collection harassment is illegal, and you can make the debt collector that is violating your rights over the Tog shop credit card pay dearly for their acts of harassment. This advantage is what makes it doubly important for you to know your rights whenever a debt collector contacts you.
If you feel like you are being harassed at any point in time during the Tog shop credit card debt collection process, chances are that you are right. You should reach out to our team of experienced professionals immediately to seek justice. Simply reach out to us by calling 877-700-5790 for a cost and obligation-free consultation.
What are the rules surrounding communication with a debt collector?
In line with the prescriptions made by the FDCPA, the debt collector contacting you over the payment of your Tog shop credit card may contact you only between the hours of 8 a.m. and 9 p.m. (the exception to this rule is unless you agree to receive calls at hours outside of the stipulated ones).
Secondly, if you inform the debt collector contacting you to make a Tog shop credit card payment that your employer prohibits you from taking calls at your place of employment, then they are obligated to respond to that request and quit contacting you there.
Additionally, the Tog shop debt collector must respect your decision to not be contacted further through a cease-and-desist letter. After receiving the letter, the debt collector can only contact you on two occasions:
- To confirm that they have received your request.
- To inform you that they intend to file a lawsuit or take another specific action.
How many calls do I have to receive from a debt collector before it is considered harassment?
The Consumer Financial Protection Bureau (CFPB) doesn’t place a specific number on the number of calls you are meant to receive from a debt collection agency before it is considered debt collection harassment; even one call may be harassing enough.
Nevertheless, the laws stipulate that a debt collector is not allowed to contact you more than 7 times within 7 consecutive days regarding the same debt. Additionally, they should not call you within 7 days of contacting you to discuss details regarding the debt
If the debt collector calling you to pay your Tog shop credit card debt causes your phone to ring multiple times a day, sometimes even after you have spoken with them, then you most likely have a case of debt collection harassment on your hands. Call us immediately at 877-700-5790 to seek assistance.
Harassing calls from a Tog shop 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 Tog shop credit card phone number. You may be a victim of robocalls from the Tog shop. The list above is not all the numbers that the Tog shop uses. The calls can be from different phone numbers and still be Tog shop calling you. Cardholders might also receive text messages from these numbers in relation to collecting a Tog shop credit card debt. Visit their website (togshop.com) or contact our office right away 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.
If you are interested in learning more about how to stop the harassment you may be facing over your Tog shop credit card debt, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com