Who Is 4407355100 (+ How Are They Hurting My Credit Score)

4407355100 belongs to a debt collection agency named McCarthy, Burgess & Wolff. Whether this call is legitimate or a scam, you shouldn't engage directly with the caller. You don't need to pay any debt you're unsure about.

Here's what you should do next:
• Pull your credit report and review it for any inaccuracies or negative items.
• If you see any items from McCarthy, Burgess & Wolff on your report, it might indicate a legitimate debt, but it’s still advisable to verify.
• Call us at The Credit Pros for a free 3-bureau credit report evaluation. We can help you dispute inaccurate items and verify any debt claims.

Remember, your rights under the Fair Debt Collection Practices Act protect you from harassment and require debt collectors to provide validation of the debt upon request.

To sum up: Pull your credit report, verify any claims by McCarthy, Burgess & Wolff, and reach out to The Credit Pros for help. Stay informed and take control of your financial health.

To stop 1-440-735-5100 from harassing you, start by documenting every call. Note the dates, times, and any abusive language. This documentation will help build your case.

Next, add your number to the Do Not Call Registry at DoNotCall.gov and block the number using your phone’s call-blocking feature. You can also contact your phone service provider for additional blocking options.

If the harassment continues or escalates, consider these steps:
• Restraining Order: Legally prevent them from contacting you.
• Harassment Lawyer: Consult a lawyer to explore filing a lawsuit if the harassment is severe.
• Cease and Desist Letter: Send one using this template eforms.com/cease-and-desist.

You may find additional help using apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple phones.

Lastly, report the harassment to:
• FCC: File a complaint at fcc.gov/complaints.
• FTC: Report at ReportFraud.ftc.gov or DoNotCall.gov.
• CFPB: Submit a complaint at consumerfinance.gov/complaint or call (855) 411-2372.

To wrap things up-document the calls, block the number, and report the harassment through the appropriate channels to effectively stop 1-440-735-5100 from bothering you.

First, you need to decide whether to block or ignore 440-735-5100. If this number continues to bother you, you should block it. Blocking will not harm your credit score. If you suspect it's a debt collector and they keep harassing you, blocking is a smart choice.

Ignoring the calls is also an option, but it won't stop them. You should request debt validation within five days of their first contact. If they don't provide this, see a consumer attorney. If you ignore them, the calls might continue and disrupt your day.

For extra assistance, consider working with a reputable credit repair company to address any inaccuracies on your credit report. They'll help you navigate any negative items without you needing to deal directly with the collectors.

In the end, you should block or ignore 440-735-5100 based on your situation, validate any debt claims, and seek professional help if necessary.

Yes, a debt collector like 4407355100 can sue you, but it is very unlikely. Debt collectors usually resort to lawsuits as a last resort, especially if the amount you owe is substantial, often over $5,000. They must provide proof of the debt, verify the amount, and demonstrate their legal right to sue, which can be challenging if the debt has changed hands multiple times.

Suing is an expensive and time-consuming process for them, so they often prefer settling out of court. Each state has a statute of limitations, so if your debt is old, it might be beyond this period, further reducing the likelihood of a lawsuit. Instead, debt collectors often prefer other methods, like calls and letters, to collect the debt first.

If they do decide to sue, you will receive a court summons and complaint. You must respond within the specified deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies, but again, this is unlikely.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA), which protects you from abusive or deceptive practices by debt collectors. If you are sued, consider consulting with an attorney to understand your options and defenses.

As a final point, it's very unlikely a debt collector like 4407355100 will sue you, especially if the debt is old or small. Instead, they prefer calls and letters. If you're sued, respond promptly and consult an attorney to explore your defenses and options.

4407355100 might have your personal information, but don’t provide any details to debt collectors without verifying their legitimacy. We advise you not to even pick up their calls.

Here's why:

• Scammers can pose as debt collectors to steal your info. Ensure they’re legit before sharing anything.
• Engaging with real debt collectors without preparation won't help. You need to get your 3-bureau credit report and create a plan to improve your credit.
• Consider working with a reputable credit repair company. They can help you handle inaccuracies or disputes on your credit report and provide guidance to improve your finances.

Your safety is a priority. Remember, don’t share personal information without verification. Focus on proactive credit management.

Bringing it all together – verify any debt collector's legitimacy, obtain your credit report, and work with a credit repair company to protect and improve your financial health.

McCarthy, Burgess & Wolff, contacting you from 440-735-5100, collect various types of debt. You might owe unpaid credit card bills, utility payments, medical bills, auto loans, or student loans. They purchase these debts from creditors in these sectors.

If they reach out to you, it means you likely owe one of these debts. You should know your rights under the Fair Debt Collection Practices Act.

All things considered, if 440-735-5100 contacts you, it's crucial to know the types of debt collected by McCarthy, Burgess & Wolff: credit card bills, utility payments, medical bills, auto loans, and student loans.

First, don't call the number directly; it might affect your debt's statute of limitations. Here's what we advise you to do instead:

1. Check Your Records: Look for final bills, account statements, or equipment return receipts.
2. Credit Report: Review your credit reports from Equifax, Experian, and TransUnion. The debt might be reported there.
3. Debt Validation: If you see the debt, request a debt validation letter to confirm the details.
4. Search Online: Type 440-735-5100 into a search engine to see others' experiences for more context.
5. Consumer Protection Lawyer: If you're harassed or dispute the debt, consider consulting a consumer protection lawyer.

By gathering your own records and checking your credit reports, you can stay in control and avoid missteps with debt collectors.

Lastly, make sure you review your records, check your credit report, get debt validation, do online research, and consult a lawyer if needed.

Debt collection laws and regulations, including those from numbers like 4407355100, protect you from unfair practices. The Fair Debt Collection Practices Act (FDCPA) is your main protection, ensuring that debt collectors cannot use abusive, deceptive, or unfair practices. Here's what you should know:

• Collectors must follow communication rules. They can't contact you before 8 AM or after 9 PM, or at work if your employer prohibits it.
• Harassment is illegal. Collectors can't use obscene language, threats, or call repeatedly to annoy you.
• False representation is prohibited. They can't pretend to be attorneys or government officials.
• Your privacy is protected. Collectors can't tell others about your debt without your consent.
• The debt amount must be correct. Collectors can't demand more money than you owe.

In addition to federal law, state laws might offer extra protection. Some states have their own debt collection laws that could be even more consumer-friendly, such as requiring debt collectors to be licensed.

Other important rights include:
- Receiving a validation notice. Collectors must send you written notice of the debt amount, the creditor's name, and your rights.
- Disputing the debt. If you dispute the debt in writing within 30 days, the collector must verify it before continuing collection efforts.
- Stopping communication. You can ask collectors to stop contacting you, with certain exceptions.

If you think a collector has violated your rights, you can report them to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), or your state attorney general's office. You also have the right to sue for FDCPA violations and recover damages.

Finally, remember that you have strong protections to keep debt collection fair and regulated, ensuring your rights are safeguarded at all times.

Yes, McCarthy, Burgess & Wolff does have lawsuits against them. Here are the details:

• Proposed Class Action Lawsuit (October 2, 2017): McCarthy, Burgess & Wolff, Inc. and Home Shopping Network were accused of violating the Fair Debt Collection Practices Act (FDCPA) through non-compliant collection practices.
• Another Proposed Class Action (September 22, 2017): This lawsuit alleged that McCarthy, Burgess & Wolff sent collection notices that did not comply with FDCPA regulations.
• Wisconsin Federal Court Case (March 24, 2017): A class action was filed claiming that the company violated FDCPA norms in their debt collection practices.

You should also know about the numerous complaints against McCarthy, Burgess & Wolff:
• 77 complaints on BBB: Mostly related to aggressive debt collection tactics.
• 446 complaints with CFPB in the last three years: Consumers reported issues such as harassment, lack of debt verification, and threats of legal actions that did not materialize.

If you are dealing with them, ensure you know your rights and seek legal counsel if necessary.

In closing, McCarthy, Burgess & Wolff has faced multiple lawsuits for violating debt collection laws. You should protect yourself by knowing your rights and possibly seeking legal advice.

People online have shared various experiences regarding the phone number 4407355100, mainly linked to debt collection activities.

On Reddit, JohnDoe123 mentions, 'I keep getting calls from 4407355100. They say I have an outstanding debt, but I don't remember owing anything. Super annoying!' You might find this frustrating if you've received similar calls.

Another user, JaneSmith456, adds, '4407355100 called me several times last week. They claim to be from a debt collection agency, but I have no clue what debt they are talking about.'

DebtFree2020 warns, 'If you get a call from 4407355100, be careful. I almost fell for it, but I checked my records, and I don't owe anything.'

Overall, it seems that users are frequently frustrated by calls from 4407355100, often related to unclear debt claims. It's crucial that you verify these claims before taking any action to avoid scams and stay informed.

Yes, you really need to remove 4407355100 from your credit report if it's potentially inaccurate. This could harm your credit score, making it harder to secure loans or favorable interest rates. Instead of managing the dispute yourself, which can be stressful, we advise you to reach out to a reputable credit repair company like The Credit Pros. They specialize in handling these disputes efficiently.

First, verify if 4407355100, linked to McCarthy, Burgess & Wolff, is correctly listed. Confirm the debt by requesting evidence from the debt collector. If you find inaccuracies, dispute them promptly. Many credit repair companies are unreliable, so choose a trusted one to handle your issues.

• Verify the accuracy of the debt.
• Dispute any inaccuracies immediately.
• Engage a reputable credit repair company to assist.

As a final point, verifying and disputing inaccuracies on your credit report is crucial. By enlisting a reputable credit repair company, you reduce stress and improve your chances of success.

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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.

• 4407355100
• 8016420892
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