Have you been called by a company called Comenity? We can End All Harassing Calls!

If a company is calling you with an automatic dialer, there is a link below that covers how we can help stopping harassing calls from those as well:

https://www.fcc.gov/document/telephone-consumer-protection-act-1991

https://yourlegalrightsadvocates.com/blog/category/tcpa/

Comenity can send your debt to a collection agency after your account is closed!

Typically, a debt collection agency purchases overdue debt from creditors, pursuing consumers who owe the debt, and eventually recovering their own costs from this overdue debt. As a result, it is important that they recover loans in full and as rapidly as possible. For this reason, their collection practices can border on aggression; at times causing stress to consumers who are contacted for the purpose of debt collection.

Learn more about communication in connection with debt collection.

Understanding Debt Harassment By Collection Agencies

The Fair Debt Collection Practices Act or the FDCPA is a law that outlines behavior practices for debt collection agents. The law recognizes that overdue debt is a cause for great anxiety and trauma by itself. When clubbed with collection efforts, the trauma of debt collection can spill over and turn into harassment. As a result, the FDCPA was set up to protect the interests of consumers who are already grappling with the burden of a loan that they are unable to repay coupled with aggressive follow-up and collection tactics. It’s outline, thus is to aim to protect consumers from abuse, threat, and harassment.

EVEN IF YOU DO NOT THINK YOU HAVE BEEN “HARASSED” TO YOUR DEFINITION OR INTERPRETATION, THESE COMPANIES MAY HAVE VIOLATED YOUR RIGHTS, AND YOU CAN BE COMPENSATED.

Record conversations wherever permitted when receiving calls from these numbers. In the case of written or email communication, ensure you keep a copy of it.

Debt harassment and FDCPA violations can be a tricky area to navigate, best understood by someone conversant with the laws and able to apply them to individual cases in the appropriate manner. A Consumer Advocate at Legal Rights Advocates or attorney can help guide consumers on how best to handle the harassment and end ALL harassing calls.

Call us at (855) 254-7841 for immediate assistance and to put a stop to the harassment.