Lane Bryant: How to Stop Harassing Phone Calls Over Debts

If Lane Bryant or debt collectors acting on its behalf are contacting you repeatedly—demanding payment, threatening action, or calling at odd hours—you don’t have to endure it. The law gives you protections, and knowing how to use them can help you put an end to the harassment.

Why Lane Bryant Might Be Calling You

Lane Bryant offers retail financing and credit options. When a customer’s account becomes overdue, the creditor or its agents may initiate collection efforts. While contacting debtors to recover money owed is allowed, the methods and tone used must comply with consumer protection laws—meaning no threats, excessive calls, or misleading behavior is permitted.

Signs That Calls May Be Harassment

Some collection contacts are lawful, but certain patterns are red flags indicating possible abuse:

• Receiving multiple calls within one day or across successive days

• Being called very early morning or late at night

• Threats of lawsuits, wage garnishment, or credit damage without basis

• disclosures of your debt or account status to coworkers, family, or neighbors

• Contacting your workplace after you’ve asked them not to

• Refusal or failure to validate the debt upon request

• Continuing to push collection after you dispute the debt

If Lane Bryant’s collectors exhibit these behaviors, they may have broken the law.

Your Legal Protections

Fair Debt Collection Practices Act (FDCPA)

The FDCPA provides you with several protections when dealing with third-party debt collectors:

• Right to validation – You can request written verification of the debt, detailing the creditor, amount owed, and account history.

• Limits on contact – Calls may not be made before 8 a.m. or after 9 p.m. (unless you previously agreed).

• Cease & desist rights – You can demand that all non-legal communications stop.

• No harassment or threats – Collectors cannot threaten, insult, or repeatedly call you to annoy or intimidate.

• Pause during dispute – If you formally dispute the debt in writing, collections must pause until verification is delivered.

Violations of these protections may give you grounds to seek compensation or legal remedies.

Additional State Protections

Your state may offer stronger protections than the FDCPA, such as:

• More stringent limits on call frequency or hours

• Additional penalties for unlawful behavior

• Requirements for debt collection agencies to be licensed

These state laws can enhance your defense.

What You Should Do Immediately

1. Document every interaction
   Log all calls or messages (date, time, number, what was said). Save voicemails, texts, and written notices.

2. Request debt validation in writing
   Ask Lane Bryant or its collector to provide documented proof of the debt, including the original creditor and breakdown of amounts.

3. Send a Cease & Desist letter
   If calls become harassing, send a written demand to stop contacting you (except for legal notices).

4. Submit complaints
   File with the Consumer Financial Protection Bureau (CFPB), your state Attorney General, or applicable regulatory agencies.

5. Consult a consumer protection attorney
   If harassment persists, legal counsel can help evaluate your case, prepare legal action, and pursue compensation for violations.

You don’t have to suffer through repeated or threatening calls from Lane Bryant. You have rights, and you can act. For resources and next steps, visit Harassing Phone Calls from Lane Bryant – Stop the Calls.