Are you experiencing Z Gallerie credit card harassment?
If you’re behind on your Z Galerie payment, you should begin to expect debt collector calls. Z Gallerie credit card debt collectors will begin by sending letters and making phone calls if your Z Gallerie credit account has been given to them.
This is normal. The debt collector calling you to pay your Z Gallerie credit card is legally allowed to do so since Z Gallerie hired them or sold the debt to them.
Although annoying, these collection efforts are fairly standard. It may even get more annoying, as the Z Gallerie Comenity card debt collector may show up at your house. Yes, you read that right. It is very possible and even legal for the Gallery Z debt collector to come knocking at the door of your house if you refuse to make contact with them.
While this can feel like harassment and may be downright scary to you, it is a possibility.
When it comes to debt collection, it is important to get educated on your rights to help you know how best to handle situations.
The FDCPA limits what debt collectors can do to you. They’re allowed to call and even come to your house to ask questions but there are time restrictions for those. The FDCPA laws were enacted to ensure that while debt collectors can contact individuals and pursue a debt, they don’t put them under unnecessary stress and pressure.
Understanding your rights under the FDCPA will protect you from the Z Gallerie Comenity credit card debt collection harassment you may currently be facing, as you will now know what to and what not to expect during the debt collection process.
Who is Z Gallerie?
Founded in 1979, Z Gallerie is an American retail company with a chain of home furnishing, art, and decor retail stores. It was founded by siblings Joe Zeiden, Mike Zeiden, and Carole Malfatti in Sherman Oaks, California.
What began as a small poster shop moved to open combined retail locations in 1982.
To find out more about making a Z Gallerie online payment or access your ZGallerie credit card login, visit comenity.net/zgallerie/. You can also access the Z Gallerie bill pay page on the site, www.zgallerie.com.
Z Gallerie customer service: 424.999.4627
Address: 1855 West 139th Street Gardena, CA 90249 United States.
Can you sue a debt collector?
It is within your rights under the FDCPA to sue a debt collector in court. The court case must be made within a year after the violation occurred.
If you win the case against the debt collector, you may be compensated for any damages and stress you experienced, as well as any wages you may have lost.
Take note, however, that suing the debt collector for their unlawful behavior does not necessarily erase the debt that you owe. You will still have to make Z Galerie payment even if you sue the debt collector.
How to dispute a debt in collections
The fact that a debt collector contacts you does not automatically mean that you owe the debt. And if you do not owe the Z Gallerie credit card debt, you should not succumb to any pressure or bullying to make a ZGallerie credit card payment.
If a debt collector contacts you about a debt that you do not believe is yours, here is what you should do.
Send a dispute letter to the collection agency:
This must be done within 30 days after the debt collector first contacts you. In your letter, request that the agency stops contacting you, asking that you make ZGallerie payment unless they have and can provide sufficient proof that the debt is legitimate and is yours.
Keep a copy of the letter for your records:
Always remember to keep a copy of any letters you exchange with debt collectors and this includes the dispute letter. It would be of invaluable help in case you need to go to court.
Wait for verification:
By law, the debt collector is mandated to stop contacting you until they have verified the debt in writing. At the very least, the verification you receive should clearly outline the amount and date of the debt you owe, not forgetting to mention the original creditor’s name and contact information. It should also give you details about how to dispute the debt if you do not agree with it.
Getting harassing calls from a Z Gallerie 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 Z Gallerie phone number. You may be a victim of harassment from Z Gallerie. The list above is not all the numbers that Z Gallerie uses. The calls can be from different phone numbers and still be Z Gallerie calling you. Cardholders might also receive text messages from these numbers in relation to collecting a Z Gallerie credit card debt. Contact our office right away so we can put an end to any unwanted 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 all forms of harassment from Z Gallerie, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com.