Who is 8002192858 (+ how are they hurting my credit score)

If you’re wondering, 'Who is 8002192858: Scam or Legitimate,' this number is likely from Midland Credit Management (MCM), a debt collection agency. However, it could also be a scam. Here's what you should do if you receive a call from this number:

1. Check Your Credit Report: Pull your credit report to identify any inaccuracies or negative items.

2. Verify Debt: If you find Midland Credit Management listed, the call might be legitimate. Still, do not respond directly to the caller.

3. Seek Professional Help: Contact The Credit Pros for a free 3-bureau credit report evaluation. They can help you verify any debt and dispute potentially inaccurate items that could harm your credit score.

To sum up, treat any call from 800-219-2858 with caution. Check your credit report, verify the debt, and consult with professionals to avoid scams and safeguard your financial situation.

To stop 8002192858 from harassing you and report them, here's what you need to do:

First, document every unwanted call. Note the dates, times, and any abusive language used. This information will be crucial if you need to take legal action.

Next, register your number at DoNotCall.gov and block the number on your phone or through your service provider. If the calls persist, consider the following steps:
- Obtain a restraining order if the harassment escalates.
- Consult a harassment lawyer to explore legal options.
- Send a cease and desist letter using the template at eforms.com/cease-and-desist.

You should also consider using call-blocking apps:
- For Android users, 'Call Blocker - Stop spam calls' can be effective.
- For Apple users, try 'Robokiller: Spam Call Blocker'.

Additionally, report the harassing calls to the Federal Communications Commission (FCC) at fcc.gov/complaints. Choose 'unwanted calls' and provide specific details. For violations of the Do Not Call Registry, report to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov or use the form at DoNotCall.gov.

For more financial-related harassment, gather all relevant information and submit a complaint to the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov/complaint or call (855) 411-2372. You can also mail them at CFPB, 1700 G Street, NW, Washington, DC 20552.

Don't forget about services like Nomorobo if you use them. Additionally, reach out to your phone carrier for call-blocking tools, and check for resources at your local or state consumer protection office.

To wrap things up, make sure you document every interaction, register with the Do Not Call Registry, block the number, and report the calls to the FCC, FTC, and CFPB. By following these steps, you can effectively put an end to harassment from 8002192858.

You should definitely block 8002192858. If you ignore them, you might receive continuous calls that disrupt your day. Blocking the number ensures you don’t have to deal with unwanted calls or harassment. If they are debt collectors and you're feeling harassed, blocking is the smartest move. Your credit score won’t drop just because you block them. If this number is related to a collection already on your credit report, blocking them can't hurt your score further.

Here's what we advise you to do next:

• Block the number to stop the harassment.
• Work with a reputable credit repair company to resolve any issues on your credit report related to this number.
• Remember, blocking them won't have any negative consequences, and it helps you avoid unnecessary stress.

In the end, blocking the number 8002192858 reduces your stress and empowers you to take control of your financial situation without any interruptions.

Yes, a debt collector like 8002192858 can sue you, but it's rare. Lawsuits usually happen as a last resort and for significant amounts, often over $5,000. To successfully sue, they must prove you owe the debt, the amount is correct, and they have the legal right to sue, which can be tough, especially if the debt has been sold multiple times.

Suing is costly and time-consuming, so many debt collectors prefer settling out of court to avoid these expenses. They often start with calls and letters before considering a lawsuit. The statute of limitations, which varies by state, also affects their ability to sue if the debt is too old.

If you face a lawsuit, you'll receive a court summons and complaint. You must respond within the 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. If you receive a lawsuit, consider consulting with an attorney to explore your options and defenses.

As a final point, know that while a debt collector like 8002192858 can sue you, it’s unlikely, especially if they can't easily prove the debt. Always respond promptly to any legal notices, understand your rights under the FDCPA, and consult an attorney for sound advice.

If you get calls from 8002192858, you should not provide any personal information. This number is likely a debt collector. Instead of answering, focus on getting your credit report from Experian, TransUnion, and Equifax.

• Don't give any personal info over the phone.
• Ignore their calls; this won't affect your credit.
• Check your credit report and improve it step by step.

We advise you to block the number for peace of mind. Reputable credit repair services can guide you through fixing errors on your report, which is crucial for improving your credit score and financial health.

Bringing it all together – block 8002192858, don't share personal info, focus on your credit report, and work with a credit repair service to fix inaccuracies.

Midland Credit Management, associated with the number 8002192858, collects a variety of debts. These often include personal loans, credit card debt, medical bills, utility bills, and other household-related debts. MCM typically buys these unpaid accounts from original creditors once they become significantly overdue, often 120 days or more.

If you have defaults in these categories, MCM may contact you for collection. It's crucial that you understand what types of debts they handle to be better prepared.

All things considered, Midland Credit Management might call you about past due payments in personal loans, credit card debt, medical bills, or utility bills. Understanding this can help you manage your situation effectively.

To check if you owe money to 8002192858, avoid directly engaging with calls from this number to prevent restarting the statute of limitations on any old debts.

First, gather any final bills, account statements, or receipts. Look at your credit report to see if the debt is listed. If the debt appears, request debt validation from the collections agency to confirm it.

You should also consider consulting a consumer protection lawyer if you're being harassed about disputed debts. Being proactive and organized with your documents will help avoid issues with inaccurate collection efforts affecting your credit.

Lastly, remember that while handling these issues yourself is possible, working with professionals can often streamline the process and provide peace of mind.

You are protected from inappropriate actions by debt collectors like 8002192858 by several key laws and regulations.

First, the Fair Debt Collection Practices Act (FDCPA) is your main protection. The FDCPA prohibits debt collectors from using abusive, deceptive, or unfair practices. Under the FDCPA:

• Collectors can't contact you before 8 AM or after 9 PM.
• They can't contact you at work if your employer disallows it.
• They must avoid abusive or threatening language.
• They must provide a written validation notice of the debt, including the amount and your rights to dispute it.
• If you dispute the debt in writing within 30 days, collection efforts must stop until the debt is verified.
• You can demand, in writing, that they stop contacting you.

State laws can offer additional protections. Some states have strict licensing requirements or extra rules about harassment and false representation.

If you believe a debt collector has violated these rules, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state attorney general. You can also sue for violations within one year, potentially recovering damages and attorney fees.

Remember, you have the right to dispute inaccurate information on your credit report, and credit reporting companies must address these disputes promptly.

Finally, stay informed about your rights, and take action if you feel a debt collector is crossing the line.

Midland Credit Management (MCM) has faced several lawsuits over their debt collection practices. For instance, the Consumer Financial Protection Bureau (CFPB) sued MCM for violating a 2015 consent order involving improper debt collection and misleading practices. Another case, Midland Credit Management, Inc. v. Elizabeth Rios, was dismissed due to MCM's inaction within the stipulated time owing to COVID-19. Additionally, in 2016, MCM was sued for violating the Telephone Consumer Protection Act (TCPA) by making unsolicited calls to consumers.

You should also be aware of consumer complaints:

• Around 400 complaints have been filed with the CFPB in the past year, citing issues like collecting debts not owed, threats of legal action, and inaccurate reporting.
• The Better Business Bureau (BBB) lists 352 complaints against MCM, including harassment and poor communication methods, with 139 resolved in the last year.

In closing, you must be cautious when dealing with MCM. Understanding these lawsuits and complaints can help you handle any interactions more effectively and protect your rights.

People online have various opinions about 800-219-2858. Many users describe their experiences with this number using terms like 'scammer' and 'harassment.' For example, a user on Robokiller called it a 'scammer ae harassment' on May 10, 2024. Another user labeled it a 'bottom-feeding 3rd party debt collector' on January 20, 2024. Others expressed confusion or suspicion, with one saying 'Don’t know this company' on December 5, 2023, and another describing it as a 'fake phantom debt collection scam by criminals phoning from the Philippines.'

These comments suggest a strong distrust and negative perception of calls from 800-219-2858. Users feel threatened and believe the calls are part of a scam, specifically mentioning 'phantom debt collection.'

Overall, people online generally view 800-219-2858 with suspicion and caution, describing it as a potential scam and source of harassment.

Yes, you really do need to remove 8002192858 from your credit report if it's potentially inaccurate. This can negatively affect your credit score and overall financial health if left unchecked.

Instead of using typical credit repair companies, which can be unreliable, consider reaching out to a reputable firm like The Credit Pros. They can save you time and are more likely to succeed in removing inaccurate negative items.

Here's what we advise you to do:
- Confirm the collection is listed on your report and is potentially inaccurate.
- Avoid disputing it on your own due to the time and energy required.
- Reach out to a trustworthy company to handle the dispute process.

As a final point, make sure you address inaccuracies quickly, confirm details on your report, and get expert help to maintain a healthier credit score.

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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