Who Is 6234627104 (+ How Are They Hurting My Credit Score)

The number 6234627104 is likely associated with Midland Credit Management (MCM), a debt collection agency. However, it could also be a scam. Here’s what you should do:

1. Don't engage: Do not interact with the caller, whether the call is legitimate or a scam.
2. Verify the debt: Do not pay anything immediately. If you’re unsure about the debt, contact us for a free 3-bureau credit report evaluation.
3. Check your credit report: Pull your credit report to check for any potentially inaccurate or negative items. If you find Midland Credit Management listed, it might be a legitimate call, but avoid direct contact.
4. Block the number: Block the number to avoid future calls.
5. Get professional help: The Credit Pros can help you verify any debts, dispute inaccuracies, and improve your financial standing.

To sum up, block the number, verify any debts, check your credit report, and contact us for professional help to protect your financial health.

How Do I Stop 6234627104 from Harassing Me (How to Report Them)

First, document every unwanted call by noting the dates, times, and any abusive language used. Register your number on the Do Not Call Registry, and block the number through your phone’s call-blocking feature or by contacting your phone carrier for assistance.

If the calls persist, consider taking more assertive measures:

- Restraining Order: If the calls threaten your safety, you might need a restraining order to legally restrict the caller from contacting you.
- Harassment Lawyer: Hiring a harassment lawyer can help, as harassment is against federal and state laws.
- Cease and Desist Letter: Send a cease and desist letter using this template.

You can also use apps to block calls:

- For Android: 'Call Blocker - Stop spam calls'
- For Apple: 'Robokiller: Spam Call Blocker'

Report the unwanted calls to the Federal Communications Commission (FCC). File a complaint here by selecting “unwanted calls” and providing details like the number, date, and time of the call.

The Federal Trade Commission (FTC) can also help. Report telemarketing calls or violations of the Do Not Call Registry at ReportFraud.ftc.gov. For other unwanted calls, use the Do Not Call Reporting Form.

To take further action, you can contact the Consumer Financial Protection Bureau (CFPB):

1. Gather Information: Document all interactions.
2. Submit a Complaint:
- Online at consumerfinance.gov/complaint.
- By phone: Call (855) 411-2372 for assistance.
- By mail: Send a detailed letter to CFPB, 1700 G Street, NW, Washington, DC 20552.
- Include details of harassment and suggest a fair resolution.
3. After Submission: Track your complaint, receive updates, and review the company’s response within 15 days.

If you use Nomorobo, report unwanted robocalls through their platform. You can also seek additional help from local or state consumer protection offices.

To wrap things up - by documenting calls, using blocking features, reporting to the FCC and FTC, and possibly seeking legal advice, you can effectively handle harassment from 6234627104 and prevent further unwanted contact.

You should block 6234627104 to avoid any potential harassment from the debt collector. Blocking won't harm your credit score. If this number is from a debt collector and they are harassing you, blocking them is a good move. If you ignore the calls, you might face continued harassment.

Here are the key steps you should take:

• Block the Number: This prevents any further direct contact from the debt collector.
• Work with a Credit Repair Company: They can help address any inaccuracies or disputes on your credit report.
• Monitor Your Credit Report: Ensure no new issues arise that could impact your credit.

Blocking and ignoring the number will not affect your credit score. If the collection is already on your credit report, it won't hurt your score any further.

We understand this can be stressful. Blocking the number helps you take control and reduces your stress. Reach out to a reputable credit repair company to take the next steps in resolving any issues.

In the end, blocking 6234627104 helps you avoid harassment, work with a credit repair company, and keep an eye on your credit report for any new issues.

Yes, a debt collector like 6234627104 can sue you for unpaid debt. However, this is typically a last resort and often unlikely. Here’s what you need to know:

Debt collectors rarely sue unless the debt is substantial, usually over $5,000. They must prove you owe the debt, the amount is correct, and they have legal standing to sue. This can be challenging, especially if the debt has changed hands multiple times. Suing is also expensive and time-consuming, so collectors prefer to settle out of court.

Each state has a statute of limitations on how long a collector can sue for a debt. If your debt is old, it might be beyond this period, reducing the chance of a lawsuit. Normally, collectors will try phone calls and letters before considering a lawsuit.

If you do get sued, you will receive a court summons and complaint. It's crucial that you respond within the deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies. Remember, under the Fair Debt Collection Practices Act (FDCPA), you are protected against abusive or deceptive practices.

As a final point, it's unlikely but possible that collectors like 6234627104 might sue you. Ensure that you respond promptly to any legal notices and consult an attorney to understand your options and defenses.

6234627104 might have your personal information, but don’t worry. Here’s what you should do:

First, you should never provide any information. Do not give out personal details to debt collectors calling from this number. If you answer, it might create unnecessary stress and potential scams. It’s better that you don't pick up the call at all.

You should check your credit report from all three major credit bureaus. This helps you identify any issues. To improve your credit, start making a comprehensive plan. Paying off debts and disputing inaccuracies are good steps. You can also consider working with a reputable credit repair company. They provide guidance and handle disputes on your behalf. They know the system and can be very effective.

Bringing it all together - by not providing information, ignoring calls, checking your credit report, planning to improve your credit, and considering professional help, you protect yourself and take control of your financial situation.

Midland Credit Management (MCM) collects various types of debt, including credit card debt, personal loans, auto loans, and consumer finance accounts. They typically purchase these debts from banks, credit unions, and other financial institutions to recover the amounts owed.

You can expect MCM to contact you regarding overdue payments on these kinds of accounts. It's crucial that you seek guidance from experienced professionals on how to handle debt collection processes effectively.

All things considered, if you're dealing with Midland Credit Management, understanding the types of debt they collect and reaching out for professional help can make your journey smoother and less stressful.

To check if you owe money to 6234627104, follow these steps:

First, go through your records, such as final bills, account statements, or equipment return receipts, for any entries related to Midland Credit Management (MCM) or the original creditor.

Next, obtain a copy of your credit report from Experian, Equifax, or TransUnion to see if any debts, defaults, or judgments are listed under your name.

If you find the debt on your credit report, request debt validation from Midland Credit Management by asking them to provide proof that you owe the debt.

You may also check public registers for any judgments against you, like a County Court Judgment (CCJ).

If you face harassment over a disputed debt, consider consulting a consumer protection lawyer for guidance.

Lastly, by taking these actions, you gather crucial information and avoid issues with inaccurate debts impacting your credit.

The Fair Debt Collection Practices Act (FDCPA) and state laws protect you from harassment by debt collectors, including those calling from 6234627104. Here's how:

Under the FDCPA, debt collectors must:
- Avoid abusive, deceptive, or unfair tactics.
- Not contact you before 8 AM or after 9 PM.
- Refrain from contacting you at work if your employer prohibits it.
- Stop continuous calling intended to harass.
- Avoid falsely claiming to be attorneys or government representatives.
- Not discuss your debt with friends, neighbors, or co-workers.

State laws can provide even more protection. For example, New York imposes stricter regulations than the FDCPA.

Debt collectors must also send you a validation notice outlining your debt and rights. If you dispute the debt within 30 days, they must verify it before continuing collection efforts.

You have the right to:
- Demand in writing that the collector stops contacting you.
- Have the collector communicate with your lawyer if you have one.
- Sue for FDCPA violations within one year to recover damages and attorney fees.
- Report violations to the FTC, CFPB, or your state attorney general.

Finally, if the debt collector from 6234627104 breaks these rules, you have the right to take action and protect yourself from further harassment.

Midland Credit Management (MCM) has several lawsuits against them. Here are some key cases and complaints:

• Class Action Complaint in New York’s Southern District: This lawsuit alleges that MCM sent misleading and deceptive collection notices with false deadlines and legal threats that were either not actionable or never intended.
• Midland Credit Management, Inc. v. Elizabeth Rios: MCM sought a default judgment against the defendant for non-payment, but the court dismissed the case due to MCM’s delay in filing their motion for default judgment.

If you have encountered issues with MCM, you should protect yourself by engaging a consumer-law firm for assistance. You can contact us if you need further guidance or support.

In closing, MCM faces several lawsuits for misleading and aggressive debt collection practices. You should seek legal assistance to handle any disputes effectively.

People online have shared their experiences with the phone number 623-462-7104, mostly describing it as related to Midland Credit Management (MCM).

From Reddit, here are some specific reactions:

- @DebtRecoveryHelp wrote: '623-462-7104 called me about an old credit card debt. They were polite but persistent. I agreed to a payment plan.'
- @ScamBuster79 said: 'Got a call from 623-462-7104 claiming they were Midland Credit. Confirmed it's legit, but I still blocked the number.'

You can see that reactions are mixed. Some find the calls genuine and helpful for managing debts, while others are cautious or annoyed, often choosing to block the number.

Overall, people online suggest that 623-462-7104 is associated with Midland Credit Management. Reactions range from seeing it as a helpful debt management resource to considering it a nuisance.

Yes, you should remove 6234627104 from your credit report, but only after you confirm it's actually there and you've identified it as 'potentially inaccurate.'

First, validate the debt to ensure it's accurate. If the debt is incorrect, you can dispute it with the credit bureau or the collection agency. Remember, disputing on your own can be time-consuming.

Instead, consider reaching out to a reputable credit repair company. Many typical credit repair companies are poorly rated, so choose wisely. A good company, like The Credit Pros, can save you time and increase your chances of successfully removing inaccurate items.

• Validate the debt to ensure its accuracy.
• Dispute incorrect items with the credit bureau or collection agency.
• Consider a reputable credit repair company for better results.

As a final point, ensure you validate any debt, dispute inaccuracies, and consider a trusted credit repair company to handle the process efficiently.

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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