The Law Office of Paul Mankin

Are You Receiving Calls About Your Past Due Appleseed’s Account?

Becoming past due on your Appleseed’s credit account does not mean that the creditor can call and harass you to try to get the money. You have rights even if you are behind on payments. State and federal laws protect you against creditor harassment.

Appleseed’s credit card account is managed by Comenity Bank. If Appleseed’s, Comenity Bank, or their third-party debt collectors are violating your rights, you need a consumer rights attorney on your side. Attorney Paul Mankin can help. Call Law Office of Paul Mankin, APC at 800-219-3577 today.

Who Is Appleseed’s?

Appleseed’s began as “Johnny Appleseed’s” in 1946 and was based in Beverly, Massachusetts. It originally sold men’s, women’s, and children’s clothing as well as other goods. Today, Appleseed’s focuses on women’s apparel lines.

Appleseed’s target consumers are women in the Baby Boomer generation. They claim to offer “classic” women’s apparel for the “prime-time” woman.

Appleseed’s is part of Blue Stem Brands, Inc., which offers men’s and women’s apparel, footwear, and accessories. The parent company also sells home goods, health and wellness products, beauty items, items for hobbyists, food and seasonal gifts, and more. They all specify that they target “mature, active living” individuals.

Why Is Comenity Bank Calling Me About My Appleseed’s Account?

Comenity bank owns Appleseed’s credit accounts. If you become past due on your credit card, Comenity Bank will call you to try to recover the debt. If their efforts are not successful, they may hire a third-party debt collector to try to get money. They may even sell your debt for pennies on the dollar and the third-party will own your debt.

Although you may be behind on your payments, Comenity Capital Bank and their debt collectors for Appleseed’s do not have a right to violate your consumer rights. If they are harassing you, you should contact a consumer protection attorney right away. Attorney Paul Mankin is available to help. Call 800-219-3577 to schedule a consultation of your case.

How Can I Stop the Debt Collection Calls from Appleseed’s?

You can tell Appleseed’s and Comenity Bank to stop calling you. Tell them that you want everything in writing. You should specifically tell them not to call your home, work, or relative’s phone numbers. You may also write them a letter stating that you do not want them to call you.

If Comenity Bank continues to harass you or calls you excessively, you should immediately hire a debtor protection lawyer. Your attorney can send the debt collectors a letter telling them to stop or file a creditor harassment lawsuit. You can even get money if they violate your consumer rights.

What Do Debt Collectors Do to Harass Consumers?

Debt collectors like Comenity Capital Bank often harass consumers who have past due credit card accounts at stores like Appleseed’s. There are state and federal laws that protect you from that harassment, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Debt collectors often violate consumer rights by:

  • Using abusive or obscene language on a phone call
  • Threatening consumers with violence
  • Calling repeatedly or an unreasonable number of times
  • Lying about the legal status of a debt
  • Threatening a lawsuit when none exists
  • Calling at unreasonable times (before 8:00 a.m. or after 9:00 p.m.)
  • Talking to unauthorized parties about debt

Although Comenity Bank has been sued for violating these laws, the company continues to harass consumers. The Federal Trade Commission (FTC) reports thousands of complaints against Comenity Capital Bank every year.

Federal Laws That Protect Consumers

There are two primary federal laws that protect consumers against creditor harassment. Those include the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA).

  • FDCPA – This law protects debtors against unfair collection practices. Violations should be reported to the FTC. It allows statutory damages for consumers who have been harassed.
  • TCPA – This law prohibits harassment of consumers by telephone marketers. It also allows the Federal Communications Commission (FCC) to regulate the national Do-Not Call List.

State Law Protects Consumers

Residents of California with an Appleseed’s account are also protected by the Rosenthal Fair Debt Collection Practices Act (RFDCPA).This California state law forces creditors to treat debtors with fairness and honestly. You can also get compensation under the RFDCPA if you are harassed by debt collectors.

How Much Money Is My Appleseed’s Credit Card Harassment Lawsuit Worth?

If Comenity Bank and other debt collectors violate your consumer rights, you may be able to get compensation under state and federal laws. The exact value of your case depends on several factors, including:

  • The severity of the creditors’ legal violations
  • The number of times they violated the law
  • Your actual damages

Federal laws, such as the FDCPA, allow you to get up to $1,000 in statutory compensation for harassment by debt collectors. Those companies will also have to pay your attorney fees and court costs.

California’s RFDCPA allows you to get statutory damages as well as money for emotional distress. Some California consumers have received as much as $300,000 because of the emotional distress they endured.

An Appleseed’s Credit Card Harassment Lawyer Can Help You

Even if you are behind on payments to your Appleseed’s account, you have rights. Creditors cannot constantly harass you and lie about your accounts. They should be held accountable for their actions.

Contact attorney Paul Mankin to find out what options you have to stop the harassing creditor phone calls. You can even get compensation for their actions against you. Call Law Office of Paul Mankin, APC today at 800-219-3577 to schedule a case consultatio