If your True Value credit card debt has gone unpaid for up to three months, your creditors may transfer the collection stress to a debt collector who will find several ways to contact you to get you to pay up. All of this will negatively impact your credit score and limit your access to new credit.
A debt collector or collection agency is a company whose job is to collect past-due debts from people who borrowed on behalf of original creditors. Once your True Value card debt has been sent to a collection agency, they will begin contacting you for payment. Your original creditor will no longer contact you or ask you to pay them directly.
The True Value debt collector is now in charge and will work tirelessly to recover unpaid funds from you in exchange for a portion of the payment they can recover. If they are harassing you for payment, you should know the law is on your side.
What Is the True Value Credit Card
The True Value Discover card is a card offered by Comenity Bank. The card is for people embarking on remodeling projects, home repair, and improvement projects. It has no annual fee but also has no signup bonus.
The True Value Discover card can be used at the True Value online store and offers special interest-free financing for up to 6 months. This makes it attractive for customers making large home improvement purchases who want to spread payments over time.
You can contact True Credit customer service to find out pre-approval Discover credit card requirements, or visit their website at www.truevalue.com. You can also contact True card Mastercard customer service by calling (800) 897-3112.
What Phone Numbers Does True Value Use
True Value and their debt collectors contact consumers from multiple phone numbers. If you received calls from any of these numbers, you may be a victim of harassment from the company and its team of debt collectors:
This list is not exhaustive. True Value might use other numbers not listed here. You might also receive text messages from these numbers in relation to collecting True Value credit card debt. Document every call you receive, including the number, date, time, and what was said.
Federal Laws Protecting You from True Value Harassment
Federal law shields you from harassment when True Value debt collectors pursue credit card debt. The Fair Debt Collection Practices Act (FDCPA) prohibits specific abusive tactics.
Debt collectors cannot:
- Call before 8 a.m. or after 9 p.m. your local time
- Contact you at work if told your employer prohibits it
- Use harassment through repeated calls designed to annoy
- Threaten violence or use obscene language
- Falsely claim to be attorneys or government officials
- Discuss your debt with family, neighbors, or coworkers
- Misrepresent the amount or status of the debt
- Continue calling after you send a cease letter
You have these rights even if you owe the True Value debt. The law is on your side in cases of debt collection harassment.
What to Do When True Value Collectors Contact You
When you begin to receive True Value card debt collection calls, do not panic. If handled well, interactions with debt collectors can end in your favor. Follow these steps to protect yourself.
- Ask for information and identification. Request the debt collector’s name, address, debt amount, and name of the original creditor. Check your own records to be sure you actually owe the money and verify the legitimacy of the collection agency to avoid debt collection scams.
- Do not give out personal information to the True Value Discover card debt collector beyond what is necessary to verify your identity.
- Find out how old the debt is by asking when the last payment was made. If the True Value Discover card debt has exceeded the statute of limitations, it is considered a time-barred debt. This means you cannot be sued for it, and in some cases, the debt collector cannot pursue you for it.
- Dispute the debt if you do not owe it. If you do not believe you owe the True Value Discover card debt, you have the option to dispute it in writing within the first 30 days. If the debt is yours, you can negotiate a payment plan with the debt collector or a lump-sum payment for all or a portion of the debt.
- Get everything in writing. Whatever agreement is made should be documented in writing before you make any payments.
By following these tips, you should be able to avoid pain and unexpected circumstances during the debt collection process.
How to Demand Debt Validation from True Value Collectors
To demand validation from True Value collectors, send a written request within 30 days of their first contact, requiring them to prove the debt is yours and the amount is accurate.
Your validation letter should clearly state you dispute the debt, demand written proof of the True Value account and charges, request documentation showing the original creditor, and include your contact information. Send via certified mail with a return receipt.
Once collectors receive your validation request, they must stop collection activity until providing proper documentation. If they continue calling without validation, this violates the FDCPA.
How to Stop True Value Collection Calls
To stop calls from True Value debt collectors, send a written cease-and-desist letter demanding they stop contacting you. Federal law requires collectors to honor this request.
Your cease letter should clearly state you demand they stop all contact, reference your True Value account number, and be sent via certified mail with return receipt. Once received, collectors can only contact you to confirm they will stop or notify you of lawsuits.
Stopping contact does not eliminate the debt. Collectors might still sue or report to credit bureaus, but this provides immediate relief from constant calls while you evaluate options.
What Happens If You Ignore True Value Debt
Before your True Value credit card debt is sent to collections, your original creditor will usually have contacted you several times. If they do not get a positive response from you, the debt collector will come in, and it may not be pretty. Your creditor is not mandated to tell you before sending your True Value Discover card account to a debt collector.
Consequences of ignoring True Value debt include:
- Damaged credit score for up to seven years
- Continuous collection calls and letters
- Debt sold to multiple collection agencies
- Possible lawsuit and court judgment
- Wage garnishment or bank account levies
- Difficulty obtaining new credit or loans
If your True Value credit card debt remains unpaid for three months, creditors may transfer it to collections, severely impacting your financial future.
Can True Value Collectors Sue You
Yes, True Value collectors can file a lawsuit if the credit card debt is valid, documented, and within your state’s statute of limitations. However, if the debt has exceeded the statute of limitations and is time-barred, you cannot be sued for it.
If served with a lawsuit about your True Value account, respond immediately. Ignoring court papers results in default judgments, allowing wage garnishment and bank levies.
Warning signs of false lawsuit threats include repeated warnings without ever filing, unrealistic deadlines to “avoid legal action,” and claims of criminal charges for civil credit card debts.
How Consumer Rights Law Firm Stops True Value Harassment
Consumer Rights Law Firm PLLC specializes in helping clients facing harassment from debt collectors in any form, including telephone communication about True Value credit card debt.
Our services include:
- Investigating FDCPA violations by True Value collectors
- Stopping harassment immediately
- Filing lawsuits against illegal collectors
- Recovering statutory damages up to $1,000 per violation
- Obtaining compensation for emotional distress
- Ensuring collectors pay your attorney fees when you win
If you need further information and guidance, reach out to the best team of consumer protection attorneys. Most cases are handled on contingency. You pay nothing unless you win.
Call (877) 700-5790 for immediate assistance or visit www.consumerlawfirmcenter.com to learn more.
Frequently Asked Questions About True Value Credit Card Harassment
1. Can True Value collectors call me multiple times per day?
No. Calling repeatedly with the intent to harass or annoy violates the FDCPA. If you receive multiple calls daily despite requesting that they stop, this is illegal harassment you can take action against.
2. What should I ask when True Value collectors call?
Request their name, address, debt amount, and name of the original creditor. Verify the legitimacy of the collection agency to avoid scams before providing any personal information.
3. Does requesting debt validation hurt my credit?
No. Demanding proof of a debt is your legal right and does not affect your credit score or restart the statute of limitations on the debt.
4. What is a time-barred True Value debt?
A time-barred debt has exceeded the statute of limitations in your state. Collectors cannot sue you for time-barred debts, though they may still attempt to collect through calls.
5. Should I give personal information to True Value collectors?
No. Do not give out personal information beyond what is necessary to verify your identity. Never provide bank account details, Social Security numbers, or employment information over the phone.
6. Can I negotiate True Value debt for less than I owe?
Yes. You can negotiate a payment plan or a lump-sum settlement for a portion of the debt. Always get any agreement in writing before making payments.
7. Will talking to a lawyer about True Value harassment make things worse?
No. Consulting an attorney about your rights does not restart debts, admit liability, or harm your position. It protects you from further violations.
8. Can I sue True Value collectors for harassment?
Yes. If they violated the FDCPA, you can sue and potentially recover up to $1,000 in statutory damages plus actual damages and attorney fees.
9. How much does hiring Consumer Rights Law Firm cost?
Nothing unless you win. Cases are handled on contingency, and the collector pays your attorney fees if you prevail under the FDCPA.
10. What if True Value keeps calling after my cease letter?
Document every call with dates, times, and details, then contact us immediately. Continued calls after a cease letter violate federal law and strengthen your case.
