Who is 6023574100 and why are they calling me?

The phone number 6023574100 is likely from Midland Credit Management (MCM), but you should be cautious. Do not engage directly with the caller or call them back. Avoid providing personal information, credit card details, or money. Here's what we advise you to do:

•Request a debt validation letter from them. This letter should explain the debt, the creditor, and your rights under the Fair Debt Collection Practices Act (FDCPA).
•Check your credit report for any unfamiliar debts. You can obtain a free credit report from AnnualCreditReport.com.
•Verify the debt with your original creditor to confirm if it has been assigned to a collection agency.
•Report suspected scams to the Federal Trade Commission (FTC) and your state attorney general’s office.

If you need assistance, call us at The Credit Pros. We'll provide a free, thorough 3-bureau credit report analysis for you.

To sum up: verify the debt with a validation letter, check your credit report, confirm with the original creditor, and report any scams. Stay cautious and protect your information.

To stop 6023574100 from harassing you, start by documenting each interaction. Keep a log with dates, times, and details of the calls.

You should register your number with the National Do Not Call Registry at DoNotCall.gov. Block the number using your phone’s call-blocking feature or by contacting your service provider.

If the harassment continues, take these steps:
- Send a cease and desist letter using the template at eforms.com/cease-and-desist.
- Consider contacting a harassment lawyer for further legal action, as harassment goes against Federal and State laws.

You can also use apps to block calls:
- Android: 'Call Blocker - Stop spam calls'
- Apple: 'Robokiller: Spam Call Blocker'

To report the harassment, file a complaint with:
- FCC: fcc.gov/complaints
- FTC: ReportFraud.ftc.gov
- CFPB: consumerfinance.gov/complaint
- Phone carrier: Contact them for available call-blocking tools.

You might also reach out to local or state consumer protection offices for additional support and resources.

To wrap things up - register your number with the Do Not Call Registry, block 6023574100, document each call, send a cease and desist letter, use call-blocker apps, and report the harassment to the FCC, FTC, CFPB, and your phone carrier. These steps will help stop the calls and hold the harassers accountable.

You should block 6023574100. Ignoring the calls might seem like an option, but blocking the number ensures they won't keep bothering you.

Here's what you should do:

- Identify: Confirm the number is from a debt collector, which we've identified as likely.
- Block: Blocking the number will stop the calls completely.
- Get Help: Contact a reputable credit repair company to handle any disputes or issues on your credit report.

Blocking them reduces stress and helps you stay focused on correcting any inaccuracies on your credit report. Blocking doesn’t impact your credit score, so it is a safe and effective way to deal with persistent debt collection calls.

In the end, you should block 6023574100 to avoid the annoyance and seek professional help to manage any debt issues effectively.

Yes, a debt collector like 6023574100 can sue you for unpaid debt, but this is typically a last resort, especially for smaller amounts.

First, they need to prove you owe the debt, that the amount is accurate, and that they have the legal right to collect it. This can be difficult, especially if the debt has been sold multiple times. Suing is also costly and time-consuming, so collectors often prefer to settle outside of court to save on expenses.

Additionally, each state has a statute of limitations that restricts how long a debt collector has to sue you. If your debt is old, it might be beyond this period, reducing the likelihood of a lawsuit.

- Debt collectors usually start with calls and letters.
- If they decide to sue, you will get a court summons and complaint.
- You must respond promptly to avoid a default judgment, which could lead to wage garnishment or account levies.
- You have rights under the Fair Debt Collection Practices Act (FDCPA) for protection against abusive practices.

As a final point - lawsuits are rare for smaller debts, and if you get sued, responding in time and knowing your rights can prevent further complications.

The number 602-357-4100 might have your personal information. To protect yourself, you should not provide any information to callers from this number. If you get a call, it's best not to pick up. Answering these calls could give scammers a chance to extract more details from you.

Here's what we advise you to do instead:
- Avoid Picking Up: Ignoring the call helps prevent falling into scams where you might unintentionally share sensitive data.
- Check Your Credit Reports: Obtain your 3-bureau credit report and begin building a comprehensive plan to improve your credit. This proactive step helps you monitor any unauthorized activities.
- Work with a Reputable Credit Repair Company: Consider partnering with a reputable credit repair company like The Credit Pros. They can help you handle inaccuracies or disputes on your credit report and guide you in building a strong credit strategy.

Bringing it all together, you should avoid answering calls from 602-357-4100, check your credit reports regularly, and consider professional credit repair assistance to safeguard your personal information.

The types of debt collected by 6023574100 include:

1. Credit Card Debt: If you're overdue or have defaulted on credit card payments, 6023574100 might contact you to collect the outstanding amount.

2. Auto Loans: Falling behind on car loan payments can result in calls from this number to collect the overdue amount or the full balance if the loan has defaulted.

3. Utility Bills: Unpaid utility bills for services like electricity, water, or gas can lead to contact from debt collectors.

4. Phone Bills: Overdue phone bills might be sold to a collector like 6023574100 for collection.

5. Back Taxes: Occasionally, unpaid taxes can be collected by agencies on behalf of the government or specific creditors.

These collectors often buy delinquent debt for a fraction of the original amount and try to collect the full amount from you. Always verify any debt before making payments.

All things considered, understanding the types of debt collected by 6023574100 and your rights can help you manage these situations effectively and reduce stress.

To check if you owe money to 6023574100, start by reviewing your own records for any outstanding debts or bills. Look for final bills, account statements, and receipts related to equipment returns. If you're unable to find relevant information, there are several steps you can take:

1. Request Debt Validation: Contact the debt collector and ask for proof that you owe the debt. Request official documents that detail the debt.
2. Check Your Credit Report: Obtain a copy of your credit report to verify if the debt is listed there. This helps you confirm whether the debt is real or possibly an error.
3. Protect Yourself: If you face harassment over disputed debts, consider consulting a consumer protection lawyer. They can advise you on your rights and help you deal with unfair practices.

Before reaching out to anyone, gather as much documentation as possible. This will help you prevent issues with inaccurate collection efforts and ensure you have all the necessary information to manage the situation.

Lastly, remember to protect yourself by verifying any debt claims thoroughly before taking any action.

You are protected by several laws from harassing or unfair debt collection practices by 6023574100 or any similar debt collector. Here’s what you need to know:

You should be aware of the Fair Debt Collection Practices Act (FDCPA), a federal law that stops debt collectors from using abusive, deceptive, or unfair practices. They can't contact you before 8 AM or after 9 PM, call you at work if your employer prohibits it, or use obscene or threatening language.

In Arizona, state laws mirror the FDCPA and provide extra protections. Debt collectors must be licensed in Arizona, cannot misrepresent themselves or the amount you owe, and the statute of limitations for credit card debt is six years.

Your rights allow you to request a debt collector to stop contacting you by writing a cease-and-desist letter. Debt collectors must validate the debt within five days of their first contact with you. Dispute the debt within 30 days, and they must provide verification before continuing collection.

Finally, remember that you can report any violations to the Arizona Attorney General or the Federal Trade Commission (FTC).

Yes, Midland Credit Management (MCM) has faced numerous lawsuits and legal actions. Here are the key details:

1. Consumer Financial Protection Bureau (CFPB) Lawsuit (2018):
- Allegations: Violations of the Fair Debt Collection Practices Act (FDCPA) and Consumer Financial Protection Act (CFPA).
- Outcome: MCM and its parent company, Encore Capital Group, agreed to pay $79 million in penalties and restitution.

2. Multi-State Settlement (2018):
- Allegations: Illegal debt collection practices, including filing lawsuits without proper documentation and attempting to collect on time-barred debts.
- Outcome: MCM paid a $6 million settlement to resolve the lawsuit brought by 42 states and the District of Columbia.

3. Massachusetts Settlement (2022):
•Allegations: Filing lawsuits without proper documentation, collecting on time-barred debts, and harassing consumers with excessive phone calls.
- Outcome: MCM paid $12 million to resolve these allegations.

4. Class Action Lawsuits:
- New York Southern District: Allegations of sending misleading and deceptive collection notices, including false deadlines and legal threats.
•Connecticut District Court: Allegations of violating the FDCPA by engaging in abusive debt collection practices.

5. Individual Lawsuits:
•Pierre v. Midland Credit Management, Inc. (2022): Allegations of deceptive debt collection practices. The Seventh Circuit vacated a jury award and remanded the case with instructions to dismiss the suit.

6. New Jersey Appellate Division (2023):
- Case: Jennifer Woo-Padva v. Midland Funding, LLC.
- Outcome: Dismissal of consumer fraud claims under the New Jersey Consumer Fraud Act (NJCFA) due to lack of a private right of action and failure to demonstrate unlawful conduct or ascertainable loss.

Official Complaints

MCM has also faced numerous complaints from consumers and regulatory bodies:

- Better Business Bureau (BBB): There are numerous complaints about aggressive and misleading debt collection practices.
- Consumer Reviews: You may encounter mixed reviews with some consumers reporting respectful interactions, while others describe the company as aggressive and uncooperative.

In closing, MCM has a documented history of lawsuits and complaints related to their debt collection practices. You should remain informed and proactive if dealing with MCM or any similar entity.

People online have mixed feelings about 6023574100. You will find some users are satisfied with the service. L.R. mentioned, "Very helpful, organized and attentive." K.F. also praised it, saying, "Excellent customer service, very thorough and very patient with making sure that I understood the answer to my question."

However, you should also be aware of negative feedback. For example, on a subreddit post, W.S. complained, "Something went wrong. Wait a moment and try again." This shows that while some users are happy with their interactions, others face technical issues and frustrations.

Overall, feedback on 6023574100 ranges from highly positive to negative. You might receive excellent customer service or encounter problems, so consider these varied experiences to get a comprehensive view.

Yes, you should consider removing 6023574100 from your credit report if it is inaccurate. Dealing with this on your own can be time-consuming and frustrating. Instead of tackling it solo, you should reach out to a reputable credit repair company. They can handle disputes and potentially boost your credit score. But be cautious-many credit repair companies are not trustworthy. Look for a reputable one, like The Credit Pros, to make this process smoother and more effective.

Here are some things to keep in mind:
- Confirm that the collection is indeed on your report.
- Ensure the entry is potentially inaccurate before disputing.
- Avoid scammy or low-rated credit repair firms; they are not worth your time or money.

If you need help, we are here for you to navigate through this.

As a final point, remember to confirm the collection, verify its inaccuracy, and work with reputable companies to dispute it. This approach will save you time and stress.

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.

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