Who is 8008232318 and why are they calling me?

800-823-2318 is often linked to Medicredit, a debt collection agency. However, scammers might also use this number to trick you. If you get a call from 800-823-2318:

1. Don't engage with the caller. Avoid giving them any personal details.
2. Check your credit report for any unexpected items tied to this number. This helps verify if the collection claim is valid.
3. Contact your insurance company or the creditor directly to confirm any debts they claim you owe.
4. Work with a credit repair company like The Credit Pros. We can help verify debts and dispute any inaccuracies on your credit report.

To sum up, if you get a call from 800-823-2318, don't engage with the caller, check your credit report, confirm any debts directly, and consider working with a credit repair company to protect yourself from scams and ensure your financial records are accurate.

If you want to stop 8008232318 from harassing you, here's what you should do:

First, keep a detailed log of all interactions, including dates, times, and any abusive language. You should register your number at DoNotCall.gov. It only takes 2 minutes and can reduce unwanted calls.

Next, send a cease and desist letter telling them to stop contacting you. You can use the template at eforms.com/cease-and-desist. Keep a copy for your records.

For reporting to authorities:
- Visit the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov/complaint or call (855) 411-2372.
- File a report with the Federal Trade Commission (FTC) at ReportFraud.ftc.gov.
- Submit a complaint to the Federal Communications Commission (FCC) at fcc.gov/complaints.

Consider legal action if they continue harassing you. Speaking to an attorney can help you sue them if necessary.

Additionally, use phone blocking apps like 'Robokiller: Spam Call Blocker' for Apple or 'Call Blocker - Stop spam calls' for Android. If you use Nomorobo, report the unwanted calls directly through their platform.

To wrap things up, document everything, use the Do Not Call Registry, send a cease and desist letter, report to the CFPB, FTC, and FCC, consider legal action, and use phone blocking apps to stop the harassment and report these calls effectively.

You should block or ignore calls from 800-823-2318. This number is linked to Medicredit, a debt collection agency, known for repeated calls that can be a nuisance.

If blocking the number doesn't stop the calls, you should take additional measures:

1. Add your number to the national Do Not Call list.
2. Consider changing your phone number if the harassment continues.
3. Work with a reputable credit repair company to address any inaccuracies on your credit report.

Blocking these calls won’t affect your credit score. Taking these steps helps you manage the situation proactively and reduce stress.

In the end, you should block the number, add to the Do Not Call list, change your number if necessary, and consult a credit repair company for any inaccuracies.

Yes, a debt collector like 8008232318 can sue you, but it’s very unlikely. Lawsuits are a last resort and usually occur if the debt is substantial, often over $5,000. Suing is expensive and time-consuming for collectors, who also need to prove the debt is valid and they have the right to sue. Instead, they prefer using calls and letters to collect the debt.

If they decide to sue, you'll get a court summons. You must respond to avoid a default judgment. The statute of limitations in your state might protect you if the debt is old. You have rights under the Fair Debt Collection Practices Act (FDCPA), so consult an attorney if you get sued to explore your options and defenses.

As a final point, remember that while lawsuits are rare, you should always take any legal summons seriously and seek legal advice to understand your options and rights.

8008232318 might have your personal information, so you should be cautious. This number is linked to Medicredit, a debt collection agency. If you receive a call from this number, avoid giving out any personal details or picking up the call at all. It’s safer to stay clear of these calls to prevent stress or potential scams.

Instead, you should get your 3-bureau credit report to check for inaccuracies or fraudulent activity. This allows you to see what's on your report and start a plan to improve your credit. Working with a reputable credit repair company can be a smart move. They have the expertise to challenge any questionable items on your report, ensuring accuracy and protecting your financial health without dealing with stressful calls.

Here are steps you should take:
- Do not provide any info to debt collectors over the phone.
- Avoid picking up calls from 8008232318.
- Obtain your comprehensive credit report from the three major bureaus.
- Contact a reputable credit repair company to help clean up your report and avoid further issues.

Bringing it all together - if you avoid engaging with 8008232318, check your credit report, and work with a reputable company, you can protect your personal info and improve your credit score safely.

If you're wondering about the types of debt collected by 8008232318, this number is associated with Medicredit and they typically collect various kinds of debt. You might owe:

- Unpaid medical bills from hospitals, clinics, or other healthcare providers.
- Past-due credit card debts.
- Auto loans with late payments.
- Unpaid cell phone bills from telecom companies.

If you receive a call from 8008232318, it's likely connected to one of these debts. You should verify the debt and gather all necessary information before taking any action.

All things considered, knowing the types of debt collected by 8008232318 helps you to verify and address any claims before proceeding.

To check if you owe money to 800-823-2318, start by reviewing your records. Look through your old bills, account statements, and receipts for any unpaid balances or unreturned items.

Next, pull your credit reports from Equifax, Experian, and TransUnion. This helps you see if there's a collection account from Medicredit. If you spot an unfamiliar debt, send a debt validation letter to Medicredit. This forces them to prove the debt is yours, is within the statute of limitations, and they have the right to collect it.

Dispute any errors with the credit bureaus. This can be time-consuming but is essential. If you face harassment or doubt the debt's legitimacy, consult a consumer protection lawyer. Avoid contacting the collection agency to prevent restarting the statute of limitations on old debts.

Lastly, you can review your personal records, check your credit reports, validate and dispute any debts, and seek legal help when necessary to handle debts.

To protect yourself from debt collectors like those associated with 8008232318, the Fair Debt Collection Practices Act (FDCPA) is your main safeguard. The FDCPA ensures that debt collectors do not use abusive, deceptive, or unfair practices when trying to collect debts related to personal, family, or household expenses.

Here's how it protects you:

- Timing Restrictions: Collectors can’t contact you before 8 AM or after 9 PM.
- Workplace Restrictions: They cannot contact you at work if it’s prohibited by your employer.
- Harassment: They’re forbidden from using obscene language, making threats, or harassing you with continuous calls.
- False Representation: They can’t pretend to be attorneys or government officials.
- Third-Party Disclosure: They aren’t allowed to disclose your debt to others such as friends or co-workers.

Your Rights:

- Validation Notice: Collectors must send you a letter within five days of first contact, detailing your debt and your rights to dispute it.
- Cease Communications: You have the right to ask them to stop contacting you in writing.
- Dispute Debt: If you dispute the debt in writing within 30 days, the collector must provide verification before they continue collection efforts.
- Legal Recourse: You can sue for FDCPA violations and potentially recover damages and attorney fees.

Additionally, many states have their own debt collection laws that might offer extra protections, such as requiring collectors to be licensed.

Finally, you should report any unlawful practices to the Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), and your state’s attorney general. If issues persist, consult a consumer rights attorney to resolve disputes effectively.

Yes, Medicredit has had lawsuits filed against them.

1. Ross A. Miller vs. Medicredit Inc. (2019) - In this case, it was alleged that Medicredit violated the Fair Debt Collection Practices Act (FDCPA) through their communications about medical debt. Medicredit was ultimately granted summary judgment, meaning the court found in their favor without a full trial.
Additionally, you may find numerous consumer complaints against Medicredit related to improper debt collection practices. Key complaints include:
- Harassment: Many consumers report repeated, sometimes aggressive calls.
- Failure to Verify Debts: Some consumers say Medicredit often fails to provide proper debt verification.
- Inaccurate Credit Reporting: There are claims that Medicredit reports incorrect information to credit agencies.

If you're encountering issues with Medicredit, you should understand your rights under the FDCPA and consult with an attorney.

In closing, if you're dealing with challenges from Medicredit, it's key that you know your rights and seek legal advice if necessary.

People online have a lot to say about the phone number 800-823-2318. Here's what you need to know from Reddit users about this number:

- User @john_doe12345 shared, "Received multiple calls from 800-823-2318, checked online, and found out it's likely from Medicredit. Annoying and persistent."
- User @sarah_wonderland said, "800-823-2318 has been calling me non-stop. They claim I owe a debt but provided no proof."
- User @mike_realist commented, "I answered a call from 800-823-2318, and they asked for my SSN. Immediate red flag!"

From these comments, it is clear that you might find these calls frequent and bothersome. You should be cautious as callers often request sensitive information like your Social Security Number, which is a major red flag. Some users have reported that the callers do not provide sufficient proof of debt, causing doubts about the legitimacy of these calls.

We advise you to handle calls from 800-823-2318 with caution. Avoid sharing personal information and insist on proper verification before engaging further.

Overall, calls from 800-823-2318 are generally seen as intrusive and possibly linked to Medicredit, with reports of frequent calls, requests for sensitive information, and lack of proof for claimed debts. Stay vigilant and protect your personal information.

Yes, you really need to remove 8008232318 from your credit report if you identify it as potentially inaccurate. Start by confirming that this collection is indeed on your report and check for any inaccuracies. Handling this yourself can be time-consuming and frustrating.

You should consider reaching out to a reputable credit repair company like The Credit Pros. They can assist you in addressing inaccurate negative items on your credit report, making the process smoother and quicker.

As a final point, remember to verify the collection and seek professional help to efficiently manage inaccuracies on your credit report.

Every number you see below is separate number that ‘Collection’ uses to attempt to collect a potentially inaccurate debt on your credit report and/or spam you.

• 8779100501
• 8778196042
• 8004838314
• 8664084070
• 8008232318
• 8008520411
• 8882224227
• 8002927508
• 8773394612
• 8003219637