Have you been putting up with West Elm credit card debt collection harassment?
Even if you have fallen behind in your West Elm credit card payments, it doesn’t mean you should be harassed and disturbed. Your creditor may have sent your West Elm account into collections because they’ve tried to get you to pay to no avail. Now debt collectors are now in charge of calling and recovering the debt from you.
Unfortunately, debt collectors have a bad reputation for harassing, threatening, and disturbing consumers. Thankfully, there are laws that protect you from these terrible behaviors from debt collectors. If you’re dealing with West Elm credit card debt collection harassment, then it is important for you to know your rights.
For example, a federal law called the FDCPA prohibits the WestElm credit card debt collector from using vulgar or profane language with you or threatening violence for your failure to make a West Elm credit card payment.
The law also restricts where and when the WestElm credit card debt collector can contact you. The West Elm card debt collector is prohibited from telling others about your debts, with few exceptions.
Many states have basically the same laws when it comes to debt collection, and if the West Elm credit card debt collector breaks the law, they have acted in violation of your rights and that can be used to make negotiations for smaller West Elm credit card payments to the debt collector or to recover monetary compensation for any damages incurred by the harassment.
Remember that you can always reach out to the best team of consumer protection attorneys if you are being harassed in a bid to get you to make your delinquent West Elm credit card payments.
Who is West Elm?
Launched in 2002, West Elm has fast become part of the leading guys in approachable, affordable, and sustainably produced home furnishing. They offer home decor and modern furniture that features inspiring colors and designs.
West Elm Key Rewards Cardholders can use their cards to make purchases in-store and earn the best rewards across West Elm’s collection of seven brands.
The WestElm credit card is powered by Comenity Bank. You can find more information about the West Elm card here comenity.net/westelm.
If your West Elm account is yet to go into collections, you can visit their website to learn more about making a West Elm payment (www.westelm.com).
Remember to keep your West Elm credit card login details safe, as it could be disastrous if it ends up in the wrong hands.
West Elm phone number
To start a West Elm chat, you can send a mail to: customerservice@WestElm.com
Address: 75 Front StreetBrooklyn, NY 11201-1006 United States
What happens if you ignore your West Elm credit card debt?
If you ignore your Comenity West Elm credit card debt in collections, the West Elm card debt collection agency will most likely continue to contact you, and your failure to respond may provoke them to take more serious actions.
The West Elm cc debt collector may decide to have your wages garnished by taking you to court and getting a court order against you. With a court order, the West Elm card debt collector may also be able to take money directly from your paycheck or bank account and we bet that you do not want that.
This does not apply to time-barred debts. The case for debts that have lived past the statute of limitations is in fact, different.
Thus, if your WestElm credit card debt is old enough and you cannot afford to pay, it may be more sensible to wait until you are no longer legally liable for the debt. The warning is that if this debt gets sold again — possibly to another debt collector, you’ll may begin to see a new collection account on your credit report, however, this is illegal, and you should be able to contact all credit bureaus to have it removed.
Getting intrisive calls from a known West Elm phone number?
Are you receiving any harassing phone calls from any of these numbers?
009 1 405-717-6122
0800 404 9780
If the answer is yes, then you are receiving calls from a known West Elm credit card phone number. You may be a victim of debt harassment and not know it. The list above is not all the numbers that West Elm uses. The calls can be from different phone numbers and still be West Elm calling you. Cardholders might also receive text messages from these numbers in relation to collecting a WestElm credit card debt. Contact our office right away If you would like us to start the process of stopping West Elm from calling you when they shouldn’t.
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 receiving over your West Elm credit card, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com.