Are you going through Winter Silks debt collection harassment?
Debt collection calls are many times very annoying, to say the least. Wintersilks credit card debt collection harassment may be so annoying that it may tempt you to change your phone number just to stop the calls. Thankfully, you do not have to change your phone number just because of Wintersilk debt collector harassment. Thankfully, there are better ways to handle Wintersilks credit card debt collection harassment.
All debt collectors must abide by the Fair Debt Collection Practices Act (FDCPA). This is a law that defines what a debt collector can and cannot do when they are collecting a debt.
The FDCPA stops debt collectors from calling you about a debt that you do not owe. When the Wintersilks credit card debt collector first contacts you about a debt, they should send you a debt validation letter verifying the debt. If they don’t, you have the right to ask them to verify that the debt is yours. If the debt collector cannot provide this verification, they are not allowed to contact you anymore.
When it comes to contacting you over the phone, the FDCPA stops debt collectors from calling you before 8 a.m. or after 9 p.m. your local time. They are not allowed to call you repeatedly, or at any time you have previously stated is inconvenient.
Who are Winter Silks?
Founded in 1999, Winter Silks is a retail company that attends to various women’s fashion needs. All forms and styles of clothing pieces are available in their catalog on the Winter Silks website (wintersilks.com).
The Wintersilks credit card or Wintersilks VIP plus cardholders can sign into their accounts via https://d.comenity.net/ac/wintersilks
Winter silks phone number: (800) 718-3687.
Address: 100 Murray Dr Warren, PA 16368 United States
How far can a debt collector pursue a delinquent debt?
After encountering a debt collector and going through all the processes necessary to come to a settlement to no avail, you might just be left wondering, how much time before it all comes to an end or how long a collector can continue to pursue a past-due debt.
There is no straightforward or single way answer to this, as each state has its own statute of limitations on debt collection and when this statute of limitations expires, a collector ceases to have the right to sue you in court to recover a debt.
Nonetheless, in other places, debts can still be collected even after the date on the statute of limitations has expired.
With regards to the states, debt collectors might still be able to chase a debt further even after the statute of limitations elapses. Notwithstanding, some states don’t give collectors the permission to go after past debts once it has passed the statute of limitation.
For others, an agreement can be made to collect debt indefinitely even though a debt collector can’t sue.
Cases of lenders selling debts to collection agencies are increasingly becoming more common, as these collection agencies collect the debt even when the time limit for collection has finally run out.
When you are sued because of an old debt that has elapsed, you need to make an appearance in court with evidence to prove that the debt is too old to collect. Never skip a court appearance when summoned even if you believe you are right and can’t be legally forced to pay an old debt. If you refuse to appear in court to represent and defend your case, the debt collector will be favored in the judgment.
Beware of making promises to pay back debt or making a payment agreement with the collector. By doing so, you will end up restarting the statute of limitations on your debt, thereby making it legal for collectors to pursue further.
Consumers have numerous protection rights against debts in collection especially after the statute of limitations has expired. An important factor to always remember is to never acknowledge the debt is yours when the collector calls you on phone or sends an email.
There are various reasons why you shouldn’t acknowledge a debt or claim responsibility for it.
- It is often easy for a mistake to occur due to the fact that old debts are usually passed from one collection agency to the other. Also, the money the collector claims you owe might not even be that amount. The debt might also belong to someone with a similar name, address or phone number.
- The person calling you might be a fraudster or scam artist. Debt collection fraud exists. Be cautious so you don’t end up making payments to a fake debt collector. Also, don’t give out your personal information over the phone and also information regarding your debt.
The Federal Trade Commission recommends telling the debt collector you can’t discuss any debts until you receive a written validation notice. The validation notice should be provided within five days after your first contact with the collector. This notice includes your right under the Fair Debt Collection Practices Act stating in clear terms the fact that you have legal rights to disagree with the debt.
Telephone harassment from Winter Silks?
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 Winter Silks phone number. You may be a victim of harassment from Winter Silks and their affiliated debt collectors. The list above is not all the numbers that Winter Silks uses. The calls can be from different phone numbers and still be Winter Silks calling you. Cardholders might also receive text messages from these numbers in relation to collecting a Winter Silks credit card debt. Contact our office right away if you would like us to stop the harassment you may be facing over your Winter Silks credit card.
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 stemming from your Winter Silks credit card, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com.