Are you overwhelmed by repeated calls about your Boscov's credit card debt? If you feel harassed, anxious, or even threatened by third-party debt collectors, you are not alone—and more importantly, you have legal rights. At the Consumer Law Firm Centre, we stand with consumers who are unfairly targeted and harassed over outstanding credit card balances. Whether your debt stems from missed payments or misunderstandings with your Boscov’s account, federal law protects you from mistreatment.
Understanding the Legal Protections You Have
The Fair Debt Collection Practices Act (FDCPA), codified under 15 U.S.C. § 1692 –1692p, serves as a federal shield for consumers. If a collection agency is contacting you about a Boscov's credit card, this law limits how and when they can reach you. It bans aggressive, misleading, or threatening behavior from collectors, giving you peace of mind and legal recourse if your rights are violated.
Here’s what they are not allowed to do:
Use foul or threatening language when discussing your Boscov's credit card debt.
Make misleading claims about the amount owed or its legal status.
Impersonate a government agent to scare you into making payments.
Call you multiple times a day or outside of business hours.
Disregard your written request to cease communication.
If any of these sound familiar, it may be time to speak with a legal professional. Call us today at 877-700-5790 to determine if you have a valid claim.
Know Who You're Dealing With: What Is Boscov?
Boscov is a family-owned department store chain with locations in several states including Pennsylvania, New York, New Jersey, and others. Its store credit cards, issued by Comenity Capital Bank, allow consumers to make purchases both in-store and online. Users can manage their Boscov's credit card through Comenity’s online portal by viewing statements, making payments, and accessing customer support.
Unfortunately, when consumers fall behind, their accounts may be passed on to third-party collectors—who sometimes cross the line from legal collection efforts into outright harassment.
What Collectors Are Allowed To Do
Despite FDCPA limitations, debt collectors still have some legal leeway:
They can request payment—even if the Boscov's credit card debt is old—as long as they don't threaten legal action after the statute of limitations expires.
They can sue you if the debt is valid and within the legal time frame.
They can transfer or sell your debt to other collection agencies.
They can negotiate with you to settle the debt for less than the original amount.
While these actions may be uncomfortable, they’re not necessarily illegal. However, when paired with persistent phone calls, misinformation, or intimidation, they can violate your rights. If a collector threatens you with legal action, demands payment without providing documentation, or repeatedly contacts you despite your request to stop, you may have grounds for legal compensation.
Identifying Harassing Callers
Many clients report receiving robocalls or automated messages from various numbers tied to Boscov's credit card collection. Some of the known numbers include:
Boscov's,CREDIT,Card
