Who is 8002189570 (+ how are they hurting my credit score)

The number 8002189570 is often connected to a debt collection agency, likely Midland Credit Management (MCM), but it might also be a scam. To protect yourself, you shouldn't engage directly with the caller.

Here's what we advise you to do:
- Don't feel pressured to pay the debt immediately if you're unsure about its legitimacy.
- Pull your credit report and analyze it for any potentially inaccurate negative items.
- Work with The Credit Pros to verify any debt from this collector and dispute any inaccuracies.

Regardless of whether the call is legitimate or a scam, these steps will help you safeguard your financial health and improve your credit score.

To sum up - you should avoid engaging with the caller, check your credit report, and let The Credit Pros assist you in verifying and disputing any debts. This way, you can protect yourself and improve your financial health.

If you’re being harassed by calls from 8002189570, here's what you can do:

First, document unwanted interactions. Keep a detailed log of each call, noting dates, times, and any abusive language. This documentation can be crucial if further action is needed.

Next, register your number with the Do Not Call Registry. It only takes about 2 minutes. You should also block the number using your phone’s call-blocking feature or ask your service provider for help.

For escalating measures:
• If the calls persist, consider obtaining a restraining order.
• Hiring a harassment lawyer can be beneficial. They understand federal and state laws that apply.
• Send a cease and desist letter using a template from eforms.

Use call-blocking apps:
• Android: Use 'Call Blocker - Stop spam calls'.
• Apple: Use 'Robokiller: Spam Call Blocker'.

File a complaint with the Federal Communications Commission (FCC) if the call was an illegal robocall or involved spoofing. You can also report telemarketing calls or violations of the Do Not Call Registry to the Federal Trade Commission (FTC).

If financial harassment is involved, gather information and submit a complaint to the Consumer Financial Protection Bureau (CFPB). Clearly explain what happened and suggest a fair resolution.

Additionally, if you use Nomorobo, report unwanted robocalls through their platform. Contact your phone carrier for more call-blocking tools and options. Local or state consumer protection offices may offer additional resources.

To wrap things up, you can stop 8002189570 from harassing you by documenting calls, registering with the Do Not Call Registry, blocking the number, and using call-blocking apps. File complaints with the FCC and FTC, consider legal measures, and use resources from your phone carrier and consumer protection offices. Stay proactive and safe!

Considering blocking or ignoring 8002189570? Here's what you need to know:

If you block or ignore 8002189570, you won't face any direct consequences. It's crucial to verify whether this number belongs to a debt collector. If they are, like Midland Credit Management (MCM), blocking them might be a good idea, particularly if they're harassing you. Blocking the number will not affect your credit score. The collection account on your credit report has already impacted your score, and blocking the calls won't worsen your situation.

• Blocking the number can significantly reduce stress from constant calls.
• You should work with a reputable credit repair company to address inaccuracies on your credit report.
• Remember, blocking doesn't mean you're neglecting your financial responsibilities-it's about managing harassment effectively.

In the end, if you block 8002189570, you can alleviate stress from incessant calls and focus on resolving inaccuracies on your credit report by contacting a credit repair company.

Yes, a debt collector like 8002189570 can sue you, but it's very unlikely. They usually resort to lawsuits only when the debt amount is substantial, often over $5,000. Debt collectors must prove you owe the debt, the amount is correct, and they have the legal right to sue you, which can be challenging if the debt has changed hands multiple times.

Suing is expensive and time-consuming for them. Most prefer to settle out of court to avoid these costs. Each state has a specific statute of limitations for when a debt collector can sue you. If your debt is old, it might be past this period, making a lawsuit even less likely. Typically, they will try to collect the debt through calls and letters before considering a lawsuit.

If they decide to sue, you will receive a court summons and complaint. It's crucial that you respond within the specified deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies.

You have rights under the Fair Debt Collection Practices Act (FDCPA) that protect you from abusive or deceptive practices by debt collectors. If you receive a lawsuit, consider consulting with an attorney to better understand your options and defenses.

As a final point, if a debt collector like 8002189570 sues you, make sure to respond promptly, know your rights, and consult an attorney if needed to avoid default judgments and protect yourself.

8002189570 might have your personal information, but you shouldn't provide any information to debt collectors from this number. You shouldn't even pick up the call. They often use tactics to get you to reveal personal details that can be used against you. Instead, here's what we advise you to do:

1. Block the Number: This will stop future calls and interruptions.
2. Check Your Credit Report: Obtain a 3-bureau credit report to see if there are any inaccuracies or if the debt is legitimate.
3. Consult a Credit Repair Company: Work with a reputable credit repair company to help you dispute and handle any issues on your credit report.

It's crucial that you take control of your credit situation. Taking these steps ensures you're protecting your personal information and improving your credit health.

Bringing it all together: Block the number, check your credit report, and consult a credit repair company to protect your personal information and take control of your credit health.

8002189570 collects different types of debt, including credit card debt, personal loans, and medical bills. They usually work with creditors who have sold them the debt. This means they step in to collect money that you owe to someone else.

If you get a call from this number, it's likely because you have outstanding debts with one of their clients. You might deal with credit card balances, unpaid medical expenses, or overdue personal loans.

All things considered, if you receive a call from 8002189570, you should understand it is related to debts like credit card balances, personal loans, or medical bills. Handle it promptly to avoid continuous hassle.

To check if you owe money to 8002189570, here’s what you should do:

First, review your credit reports from Experian, TransUnion, and Equifax. You can get these free from AnnualCreditReport.com. Look specifically for any accounts listed in collections.

Next, go through your bills and notices. Check your records for any final bills, account statements, or notices of unpaid debt that might indicate you owe money.

If you find a debt you don't recognize, ask the collections agency for validation. This ensures they provide proof that the debt is indeed yours.

It’s important that you avoid contacting the number directly. Doing so might reset the statute of limitations on the debt. Gather your information first.

Lastly, if you encounter harassment or disputes, consider consulting a consumer protection lawyer for assistance.

Lastly, make sure you check your credit report, review your notices, and ask for validation to stay informed and proactive about any potential debts.

If you’re dealing with debt collection from 8002189570, you’re protected by several laws and regulations.

The Fair Debt Collection Practices Act (FDCPA) prohibits third-party debt collectors from using abusive, deceptive, or unfair practices. This law ensures that collectors won’t call you before 8 AM or after 9 PM, or at work if your employer prohibits it. They can’t use threatening, obscene, or abusive language, or falsely claim to be attorneys or government officials.

Debt collectors must send you a written validation notice with the amount owed, creditor’s name, and your rights to dispute the debt. If you dispute the debt in writing within 30 days, they must stop collection until they provide verification.

Your rights include requesting, in writing, that the debt collector stops contacting you. If you have an attorney, the collector must communicate only with your attorney. You can report violations to the FTC, CFPB, or your state’s attorney general. You can also sue collectors for FDCPA violations within one year to recover damages and attorney fees.

Many states have additional protections. For instance, New York requires strict licensing for debt collectors.

Finally, remember that these laws protect you from unfair treatment and ensure legitimate debt recovery practices. Stay informed about your rights and don’t hesitate to report any violations.

Yes, Midland Credit Management (MCM) has faced several lawsuits and official complaints.

You might be interested in some specific cases:
• Midland Credit Management, Inc. v. Elizabeth Rios: MCM sought a default judgment for non-payment of a debt, but the court dismissed it due to delays.
• CFPB v. Encore Capital Group and Subsidiaries (including MCM): This involved allegations of improper debt collection methods and violating a 2015 consent order.
• 2016 TCPA Violation: MCM was accused of improper telephonic practices under the Telephone Consumer Protection Act.
• Florida Resident Lawsuit: MCM was sued for misleading debtors and violating consumer rights.

Official complaints against MCM are numerous:
• CFPB Complaints: Over 400 complaints in the past year for actions like attempting to collect debt not owed and threats of legal action.
• BBB Complaints: 352 complaints with issues like harassment and illegal collection tactics.
• General Consumer Feedback: Reports of MCM making persistent calls and sending confusing letters.

If you have issues with MCM, you should consider filing a complaint with the CFPB or BBB and seek legal advice.

In closing, you can see that Midland Credit Management has encountered legal and consumer complaints, highlighting the importance of addressing any issues you might have with them promptly and through the proper channels.

People online have mixed opinions about 800-218-9570. Here's what users say:

- 'DebtFreeSoon2024' on Reddit mentioned, 'Got a call from 800-218-9570 today. It’s Midland Credit Management. They were really persistent about a debt I was unaware of.'
- 'FinanceHelper' shared, 'I’ve dealt with MCM before. Calls from 800-218-9570 are legit but they can be aggressive.'
- 'CallBlocker9000' warned, 'If you’re getting calls from 800-218-9570, make sure to verify the debt first. Sometimes they get it wrong.'

On WhoCallsMe.com, users highlighted:

- 'Scammer ae again' commented, 'Fake phantom debt collection scam by Puta'ng Ina Ka criminals phoning from the Philippines.'
- Another anonymous user posted, 'Received multiple calls from 800-218-9570 claiming to be from MCM. Be cautious and check your records before paying anything.'

Overall, you should verify debt claims from 800-218-9570 directly with MCM as opinions vary on the legitimacy. Be cautious to avoid scams and ensure any debt is accurate before making payments.

Yes, you really need to remove 8002189570 from your credit report, especially if it's inaccurate. This step can help you avoid negative impacts on your credit score.

You should start by confirming its presence and accuracy on your credit report. If it's there and you believe it's inaccurate, disputing it is worthwhile. While it is possible to remove it yourself, be prepared for a time-consuming process involving lots of paperwork and persistent follow-ups.

We advise you to avoid typical credit repair companies as many have poor reputations. They often don't effectively help in removing negative items and can be deceptive. Instead, consider reaching out to a reputable company like 'The Credit Pros,' which can make a significant difference in managing such disputes.

As a final point, you should confirm the accuracy of 8002189570 on your credit report, avoid unreliable credit repair companies, and consider reputable services to save time and effectively resolve the issue.

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.

• 6193543046
• 8003142173
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• 5405460395
• 8175873877