Do you have a Boscov's credit card account that is past due? Is Boscov's, Comenity Bank, or a third-party debt collector calling you repeatedly? Even if you owe them money, you have rights. They cannot harass you about your debt.
Comenity Bank owns Boscov's credit card accounts. They are known for harassing consumers who are past due on payments. Attorney Paul Mankin can help you make the calls stop. Call Law Office of Paul Mankin, APC at 800-219-3577 for a case consultation.
Who Is Boscov's?
Boscov's is a family-owned department store based in Exeter Township, Pennsylvania. There are forty-nine stores with locations in Pennsylvania, New York, New Jersey, Delaware, Maryland, Ohio, Connecticut, and Rhode Island. They also have an online storefront. Products sold by Boscov's include clothing for the whole family, jewelry, beauty, home goods, toys, and more.
Boscov's Credit Card Is Owned by Comenity Bank
Boscov's offers consumers a credit card that allows them to earn rewards for purchases. You can earn points for money spent in various departments and throughout the year. You can also receive 15% off your first day's purchases when you open and use Boscov's credit card. Members also enjoy birthday and holiday bonus offers.
Boscov's credit card is used at Boscov's department stores, but the credit account is owned by Comenity Capital Bank. If you miss a payment, Comenity Bank will call to try to collect the debt. If they are unsuccessful, they may also hire a third-party debt collection company to try to recover money from you. They may sell your debt for pennies on the dollar and the third-party will own your debt.
How Does Comenity Bank Violate Consumer Rights?
Comenity Bank and their third-party debt collectors are known for violating consumer rights of people who have Boscov's credit cards. Some of the actions they take violate state and federal laws, including doing things like:
- Using harassing, abusive, and obscene language on phone calls
- Threatening consumers with violence
- Calling consumers an unreasonable number of times
- Lying about the legal status of a debt
- Threatening an unintended lawsuit
- Calling at unreasonable hours (before 8:00 a.m. or after 9:00 p.m.)
- Talking to unauthorized persons about the debt
If Comenity Bank or a third-party debt collector has taken these actions against you about your Boscov's credit card account, then you should immediately contact a consumer rights attorney. Even if you are behind on payments, you have rights. Call Law Office of Paul Mankin, APC at 800-219-3577 for a case consultation.
How Do Federal Laws Protect Consumer Rights?
Consumers who own a Boscov's credit card are protected by federal laws, including the Fair Debt Collection Practices Act (FDCPA) and Telephone Consumer Protection Act (TCPA). These laws ensure creditors treat consumers fairly. They prohibit abusive, deceptive, and unfair actions when creditors are recovering debts.
Violations of the FDCPA should be reported to the Federal Trade Commission (FTC). Consumers can recover statutory compensation for violations of their rights.
The TCPA primarily addresses the way telephone marketers contact consumers. It prohibits harassment and unfair treatment. It also allows the Federal Communications Commission (FCC) to establish a national Do-Not-Call List.
State Protections of Consumer Rights
Many states also have laws that protect consumer rights. For example, California's Rosenthal Fair Debt Collection Practices Act (RFDCPA) protects consumers who have Boscov's credit cards and reside in California. It requires creditors to treat debtors with respect, honesty, and fairness. The RFDCPA allows for statutory compensation as well as damages for emotional distress.
How Much Is My Boscov's Credit Card Harassment Lawsuit Worth?
If Comenity Capital Bank violated your consumer rights, you may be able to file a lawsuit against them and recover money for the stress the put you through. The exact amount of money you can get depends on:
- Severity of legal violations
- Number of times laws were violated
- Your actual damages
Federal laws like the FDCPA allow you to get statutory compensation of $1,000 for consumer rights violations. You can also get money for attorney fees and court costs, which can add up. State laws like California's RFDCPA allow for statutory compensation, but you can also get money for emotional distress. In fact, some plaintiffs have gotten as much as $300,000 for emotional damages.
What Are Debt Collectors Allowed to Do When Collecting My Boscov's Credit Card Debt?
There are many activities that state and federal laws prohibit as against consumer rights. However, debt collectors are allowed to attempt to collect debts for your Boscov's credit card.
- Collecting Debts After the Statute of Limitations Has Passed
For example, they can attempt to collect your debt even if it has exceeded the statute of limitations. A statute of limitations is a deadline after which a lawsuit cannot be filed. Thus, while the debt collector cannot threaten a lawsuit or actually file one, they can still attempt to collect your debt even if it is past the statute of limitations.
- Filing a Lawsuit to Collect on The Debt
If the deadline has not passed, then Comenity Bank may file a lawsuit against you to try to collect the debt that you owe. If they win in court, then they may garnish your wages as well. It's important to work closely with a debtor's rights attorney to ensure your rights are protected if a creditor sues you.
- Negotiate Your Debt
Comenity Bank is known to negotiate a lower interest rate or accept less money than you actually owe. It's often best to have your attorney reach out to negotiate these terms with Comenity Bank or a third party who owns your debt. This may end up being a very beneficial situation for you to rectify your debt for less than you owe.
Contact a Boscov's Credit Card Harassment Lawyer for Help
If you owe money to Boscov's credit card and Comenity Bank keeps calling about it, you should team up with a consumer rights lawyer who will protect you. Even if you are past due on payments, you have rights. Common violations of those rights can result in compensation for you.
Call attorney Paul Mankin today at 800-219-3577 for a case consultation.