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If you have outstanding debt with CapitalOne, you may have been the victim of debt collection harassment, which can be stressful and intimidating. Large corporations like this have been known to use threatening tactics to try to force payment from consumers, including calling several times a day, not properly identifying themselves, threatening to garnish wages, and refusing to cease calls when asked. CapitalOne uses dozens of different phone numbers to call consumers, and does outsource accounts that are severely past due, for collection by a third party. While collection agencies are allowed to recover money owed to creditors, they are not allowed to be abusive or threatening, as these are violations of the Fair Debt Collection Practices Act. If you feel that you have been harassed by CapitalOne, or one of their contracted collection agencies regarding your debt, you can make it stop. Contact us to learn more.


Citibank is a large banking institution that is headquartered in Sioux Falls, SD, but has many subsidiaries across the world. They own and operate financial lending and credit card programs, and their debt collection practices affect millions of consumers throughout the country. In the past, they have been known to use abusive collection tactics to force debtors to pay on outstanding accounts, including repeated “robo-calling,” hanging up/not leaving a message, threatening to garnish wages, and more. If you feel that Citibank, or the collections agencies that they contract for, have been harassing you about your debts, you can get help. Since they are such a large corporation, they have been known to reassign debts, sell debts to other collectors, and sue consumers in order to recover payment. Citibank uses dozens of different phone numbers to repeatedly call people, so make note of these before you file your complaint. Contact us today for help.


While Discover has a fairly good reputation in consumer credit cards, this corporation has been known to employ threatening collection tactics in order to pressure debtors into payment. These include things like: incessant calling multiple times a day, wage garnishment threats, and refusing to end collection calls as requested. However, Discover claims to be compliant with the Fair Debt Collection Practices Act, and says that they will take consumer complaints seriously. If you feel like you have been harassed by Discover Bank, you can take action to stop the abuse. Collection strategies should not make you feel afraid every time you hear the phone ring. If you are one of the millions of past or present Discover customers, you have the power to put an end to the harassing calls. Contact us for assistance in dealing with debt collectors.


Headquartered in London, UK, Barclays Financial Group is a large financial institution with multiple lending and credit card outlets. Their expansive international presence affects millions of consumers, many of which have filed formal complaints against the company for violations of the Fair Debt Collection Practices Act. They, and their subsidiary collection agencies, have been accused of abusive collection tactics such as: “robo-calling,” calling multiple times a day, failing to properly identify themselves, threatening to garnish wages, and more. If you have been receiving calls from one of Barclays’ dozens of different phone numbers, you can make the harassment stop through certified filing and legal action. If your Barclays debt has been sold to a third party collection company, you can put an end to threatening, incessant phone calls. Contact us today for help.


Merrick Bank is based in Utah, and is known for operating credit card, mortgage, and personal loan lending to millions of consumers across the country. Merrick, and the third-party collection agencies that they contract with, have been subject to many consumer complaints over the years, regarding abusive collection tactics. People have complained that Merrick has employed excessive phone calls and threats of wage garnishment in order to force payment from their debtors. Repeated “robo-calls” and calls from overseas call centers can be stressful, especially when those communications are in violation of the Fair Debt Collection Practices Act. Merrick Bank collection harassment has been documented in the past, so if you feel like you have been on the receiving end of this abuse, make note of it right away. You have the law on your side, to put an end to the threatening phone calls. Contact us to learn more.


It is legal for an organization like Chase Bank to attempt to obtain funds owed. It is not legal for them to harass or threaten the debtor. If you feel nervous or uncomfortable with debt collections from Chase Bank, please acquaint yourself with the law around debt collections and consider hiring an attorney.

Chase Bank must be in compliance with the Fair Debt Collection Practices Act (FDCPA), a law introduced to regulate creditors. For example, consumers can take action against Chase Bank collections once they’ve received notice of the amount owed. Hiring a lawyer or sending a certified letter to Chase Bank collections can prevent the debtor from being harassed about the funds.

It can sometimes be difficult to determine the source of a debt collection, but if you think it’s related to Chase Bank, please don’t hesitate to consult with one of our attorneys.


Has Macy’s filed collections against you? In some circumstances, constant contact from a creditor can qualify as harassment and set a precedent for legal action. In other cases, a person owing collections to Macy’s can contact them with a certified letter to stop contacting them. Regardless of the situation, you have options and help is available. If you have received aggressive collections notices from Macy’s make sure you understand your rights and consider hiring an attorney.

The Fair Debt Collection Practices Act (FDCPA) was established in 1977 to ensure fair and honest conduct in the collections industry. Unfortunately, this law is often violated with constant and aggressive phone calls. It’s also important to note that the act only applies to the debt collection agency, not the business where the funds were originally owed.

If you suspect a debt collection agency related to Macy’s of violating the FDCPA with unfair collections practices, it’s time to gather evidence and consider legal representation. Contact us today.

Synchrony Bank

Receiving a phone call from a collection agency is never an enjoyable experience. But when the collections situation escalates into threats or harassment, it’s important to understand your rights. If Synchrony Bank or another organization has contacted you relentlessly in regards to funds owed, know that there are options to stop the barrage of phone calls, text messages, emails, or mail. Consumers can file a certified letter with Synchrony Bank that forbids the collections agency from contacting them. Or, if this tactic doesn’t work out (which does happen, the agency might ignore it), it could be time to hire a debt collections attorney.

Debtors can review their rights in the Fair Debt Collection Practices Act (FDCPA), which stipulates that collections agencies may not “harass, oppress, or abuse,” anyone. There are ways to determine whether Synchrony Bank or another debt collections agency is the source of aggressive phone calls, please review the resources on this website to learn more and contact us for assistance.

Bank of America

If you owe funds to an organization like Bank of America, they may file collections against you. But many consumers don’t understand there are numerous regulations around how often they can be contacted and the tone of those notices. The Fair Debt Collection Practices Act (FDCPA) was established to prevent threatening debt collections practices. Organizations must abide by specific rules when contacting debtors, and Bank of America is no exception. Many people file a certified letter with a creditor to stop receiving the constant onslaught of phone calls, text messages, emails, and paper mail.

Sometimes, it might be difficult to determine if Bank of America is even the source of the collections. Agencies use a wide variety of contact information, from toll-free to unknown to local phone numbers. With assistance from an attorney, debtors can get to the bottom of collections harassment and develop a case against the creditor.

Comenity Bank

Coping with debt is a very personal and stressful process. Such situations are not helped by constant phone calls from a collection agency. If an organization such as Comenity Bank has filed collections against you and has not stopped contacting you, it’s time to review the laws. The Fair Debt Collection Practices Act (FDCPA) delineates illegal debt collection practices and exists as legal precedent for filing a debt harassment lawsuit.

Debtors have the option of filing a certified letter with the creditor to stop the collections agency from contacting them. However, such an action could be ignored. In such cases, hiring an attorney to assist with aggressive collections from an institution like Comenity Bank is the best response. In some situations, Comenity Bank may not be the organization liable, instead it’s potentially a collections agency they hired. Regardless of the creditor and the collections agency, you have rights and you need to make sure they are maintained.


After one phone call from a debt collections agency, a person is usually aware of funds owed. So, why do they keep calling you? Understanding your rights as a consumer in regards to debt collections is important to your own well-being. Collection agencies are notorious for relentlessly harassing debtors with constant phone calls, emails, text messages, and other communications. But these practices are often not legal. The Fair Debt Collection Practices Act (FDCPA) was established to regulate the collections industry and keep them within fair standards.

When an organization like Kohl’s has contacted you about debts owed, there are options for responding to the communication onslaught. First, a debtor may file a cease-and-desist letter with the agency to forbid them from further notification. And, if this doesn’t work, it might be time to hire legal representation.

To find out if Kohl’s is the source of a debt collection or learn more about your rights, please review the resources on our website.

American Express

If you’ve been receiving collection calls from American Express, we’re here to help. American Express is a large, well-known corporation, and it can be stressful to get calls regarding debt. Large organizations have been known to use scare tactics to get payments, such as numerous phone calls in a day, threats to garnish pay, and refusing to cease contact when requested. They may use different phone numbers as a tactic to contact you, and oftentimes these calls are outsourced to a third party.

If you’ve been receiving calls from American Express collection agency and want them to cease, you have the power. Martin and Bontrager can help manage abusive debt collectors. The Fair Debt Collection Practices Act prohibits abuse collection tactics and protects consumers.

Credit One Bank

When you receive calls from debt collectors, not only can it be intimidating, but also stressful. Often times, debt collectors will utilize abusive tactics, such as repetitive calls, threatens to garnish wages, and not respecting requests to cease calls. They may outsource these calls to a third party, and use a variety of numbers to contact you. Under the Fair Debt Collection Practices Act, consumers have the right to not be subjected to these abusive tactics to collect payment.

If you have been receiving debt collection calls from Credit One Bank, contact Martin and Bontrager to get help. You don’t have stand the abuse from Credit One Bank collections calls.

Fingerhut (Blue Stem Brands)

Blue Stem Brands offers low payment options through Fingerhut, who enables customers to get top name brands with payment options. Unfortunately things don’t always go as planned, and you may have fallen into some debt. If you’re receiving abuse phone calls from Fingerhut, you are protected under the Fair Debt Collection Practices Act. This act protects consumers from abusive, unfair, or deceptive collection tactics. Oftentimes collection agencies may use different phone numbers to contact you, or outsource the calls to a third party to contact you.

If you believe the debt collection calls you receive from Fingerhut are abusive, get in touch with Martin and Bontranger today. We’ll help you sort out debt issues and give you peace of mind.

First Premier Bank

First PREMIER Bank is the 10th largest issuer of Mastercard credit cards in the United States. While not everyone is perfect, some may fall into debt and may soon find themselves facing collections calls from First PREMIER Bank. Debt collection calls can be stressful and intimidating, but they should not be abusive. The Fair Debt Collection Practices Act protects consumers from abusive collection tactics, such as late phone calls, calls to your work without consent, or other inconvenient times or places. They are not allowed to be deceptive in who they are, such as pretending to be an attorney or government agency, in order to collect funds.

If you believe you’re a victim of abusive collection calls from First PREMIER Bank, get in touch with us today. We can help resolve debt matters so you can go about your daily life.

US Bank

If you’ve fallen behind on a loan or credit cards from US Bank, you’ve likely found yourself being harassed for repayment. Debt harassment can happen through unnecessary phone calls, whether it’s before the break of dawn or dinner time or at your place of work. Getting debt collection calls from US Bank can be stressful, as they’re a large, well-known corporation. We recognize that you may not know where you stand with your rights, which is why we’re here to help. The Fair Debt Collection Practices Act protects consumers from abuse of debt collection calls. Under this act, debt collectors must always identify themselves when they call and cannot act as a law firm or government agency working to retrieve funds.

Get back to your daily life – If you’re facing debt collection calls, contact Martin and Bontranger to get relief.

Navient (formerly Sallie Mae)

Have you fallen into a situation where you’re unable to repay your Navient (formerly Sallie Mae) loans, and are now getting collection calls? Like many individuals, this is unfortunately common, but it’s important to know there is help out there. The Fair Debt Collection Practices Act protects consumers from abuse and harassment from debt collectors. This act protects consumers from abusive, unfair, or other deceptive tactics collection agencies may deploy to collect funds.

Collection agencies may use different phone numbers to contact you, or outsource their calls to a third party and call you early or late hours, or at your place of employment. The sound of a ringing phone shouldn’t be stressful, but when your phone rings nonstop with collections calls, it can become overwhelming. You can make it stop – Contact Martin and Bontrager for debt collection help.