Have you been getting incessant calls over your delinquent Zales outlet debt?
If you have fallen behind on your Zales credit card payment, your account may have been transferred to a debt collector who now has the job of calling you to recover the debt. Unfortunately, the number of instances of debt collection harassment is on the rise. Debt collectors don’t even try to be your friend.
If the Zales credit card debt collector is harassing you, don’t be intimidated. Although debt collection harassment is wrong, it is not uncommon, and it can be dealt with.
If the debt collector asking you to pay Zales credit card is using unlawful, deceitful, and corrupt practices in their debt collection process, they are harassing you, and you should not be silent about it.
To protect you from debt collection harassment over your delinquent Zales card payments, the Fair Debt Collection Practices Act (FDCPA) was enacted with strict guidelines dictating what the Zales credit card debt collector may and may not do to you when attempting to collect the Zales credit card debt.
The Comenity/Zales credit card debt collector is allowed to call you only between the hours of 8 a.m. and 9 p.m. When they do so, they must let you know that they’re a debt collector attempting to collect a Comenity bank Zales credit card debt from you.
The diamond card debt collector cannot harass you and must stop calling you after you have sent them a cease-and-desist letter (a written letter asking them to stop calling you).
As a consumer, it is expedient that you be aware of your rights regarding debt collections, even before you have debts. This will improve your chances of dealing with harassment from debt collection agencies and negotiating effectively.
If you are being harassed by a third-party collector making demands about your Zales Outlet credit card, reach out to us at 877-700-5790 for immediate assistance.
Who is Zales outlet?
Founded in 1924, the Zales Jewelers store has grown from a single store selling cameras, jewelry, and appliances to a major international jewelry corporation.
Zales the diamond store is now in over 700 locations and has become one of the largest fine jewelers in retail shopping malls across North America and Puerto Rico.
With the Diamond card, you can make purchases in a Zales stores or online at zales.com.
The Zales Comenity credit card is issued by Comenity Bank and you can find more information about it or access your Zales Comenity login page here comenity.net/zalesoutlet.
To find out more information about making a Zales credit card payment, go to their website or visit the Zales pay my bill page.
Remember to keep your Zales outlet credit card login details secure. Do not volunteer that information to anyone calling you and claiming to be a debt collector, even if they are legitimate.
Zales phone number: 1‐800‐311‐5393
Address: 901 W. Walnut Hill Ln. Irvine, TX 75038
Is Zales Outlet contacting you over an old debt?
If the Zales card debt collector or any other debt collector is calling you about an old debt, take out time to find out what the statute of limitations in your state is. Find out when it’s okay to file a debt collection lawsuit against the collector contacting you about your Comenity bank Zales card.
Generally, the statute of limitations begins from the last time payments are made, or the last time the account was used (either through promising to make payments, making arrangements to pay, or even acknowledging the debt).
The actual date the statute of limitations begins depends on factors like the type of debt involved and the laws of the state you live in or the state indicated in your loan agreement.
Reach out to an attorney in your state, or the DA’s office to find out the statute of limitations that applies to your situation.
A debt collector or creditor may still be able to sue you for a debt whether the statute of limitation has come to an end or not.
If this happens to you, you may use the statute of limitations as a defense otherwise, the debt collector or creditor may be able to get a verdict against you even when the debt is unenforceable.
You may still get debt collection calls and letters after the statute of limitations has elapsed. You must understand that a statute of limitation doesn’t erase your debt. It only places a limitation on how far a collector can pursue the debt.
You can call us at 877-700-5790 for more information and expert advice.