Home / Who Is 8002965598 (+ How Are They Hurting My Credit Score)

Who Is 8002965598 (+ How Are They Hurting My Credit Score)

  • Phone number 8002965598 is likely a debt collector called:' Midland Credit Management (MCM)'.
  • Your credit score likely dropped because this is potentially a debt collection on your report.
  • Call 1(888)-488-5855 and learn how we can help you potentially improve your score.
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Main phone number related with this page is: 8773661642

Midland Credit Management (MCM) is likely calling from 8002965598 to collect a debt. Persistent calls from this number could be either a debt collector or a scammer trying to get your personal information. Blocking the call only stops the annoyance temporarily.

If a legitimate debt collector like MCM is calling, ignoring them won't make the debt go away. They might even sue you if the debt is large. Instead of avoiding them, call The Credit Pros. We can check your 3-bureau credit report to see if the debt is real and find other negative items hurting your credit score.

We've helped many people remove inaccurate items linked to numbers like 8002965598. Fixing these issues can boost your credit score and secure your financial future. Plus, no more annoying calls! Contact us now to regain control of your financial life.

Who Is 8002965598: Scam Or Legitimate

The phone number 8002965598 is linked to Midland Credit Management (MCM), a debt collection agency. However, it could also be a scam.

Here’s what we advise you to do next:

• Don't Engage: If you answer or call back, you could receive more spam calls.
• Check Your Credit Report: Get a free credit report from all three bureaus and review it for any negative items tied to that number.
• Verify the Debt: If MCM appears on your report, it’s likely a legitimate call. Still, don’t pay immediately. Validate the debt first.
• Seek Help: Contact The Credit Pros. We can help verify any debts, dispute inaccuracies, and improve your financial standing.

To sum up, whether it's legit or not, your steps remain the same. Stay cautious and proactive in protecting your financial health.

How Do I Stop 8002965598 From Harassing Me (How To Report Them)

To stop 8002965598 from harassing you, here's what we advise:

1. Document Unwanted Interactions: Keep a log of all calls. Note the dates, times, and any abusive language used.
2. Do Not Call Registry: Register your number at DoNotCall.gov. It takes just a few minutes. Then, block the number using your phone’s call-blocking feature or contact your service provider for assistance.
3. Escalating Measures:
- Restraining Order: If the calls become threatening, consider getting a restraining order.
- Harassment Lawyer: Consult a harassment lawyer, as harassment is against federal and state laws. This can provide legal backing to your complaints.
- Cease and Desist Letter: Send a cease and desist letter using a template from eforms.com/cease-and-desist.
4. Apps for Blocking Calls:
- Android: Try 'Call Blocker - Stop spam calls'.
- Apple: Use 'Robokiller: Spam Call Blocker'.
5. Federal Communications Commission (FCC): File a complaint for illegal robocalls or spoofed numbers at fcc.gov/complaints. Use the phone form and describe the issue as 'unwanted calls'.
6. Federal Trade Commission (FTC): Report telemarketing calls or Do Not Call Registry violations at ReportFraud.ftc.gov or DoNotCall.gov.
7. Consumer Financial Protection Bureau (CFPB):
- Gather Information: Document all call details.
- Submit a Complaint: Visit consumerfinance.gov/complaint or call (855) 411-2372. They offer assistance in many languages.
8. Nomorobo: If you use Nomorobo, report unwanted robocalls through their platform.
9. Phone Carrier: Contact your carrier for more call-blocking tools and options.
10. Local or State Consumer Protection Office: Look for additional resources or complaint mechanisms specific to your area.

To wrap things up, document your interactions, register on the Do Not Call Registry, and use call-blocking tools. For ongoing harassment, seek legal advice, file complaints with the FCC and FTC, and contact your phone carrier for further assistance.

Stop the harassment today. Reach out to us for expert help. Call (888) 488-5855

Should I Block Or Ignore 8002965598

You should block 8002965598. If you ignore the number, you might face continuous harassment, especially if it's from a debt collector like Midland Credit Management. Blocking the number stops the calls and brings peace of mind.

Here's what you should do:
- Block the number to avoid harassment.
- Verify if the debt is legitimate. Debt collectors can sometimes report incorrect information.
- Work with a reputable credit repair company to handle any issues and remove inaccurate items from your credit report.

Blocking the number won't impact your credit score further and can reduce stress.

In the end, you should block 8002965598 to avoid harassment and verify any debts with a reputable credit repair company.

Can A Debt Collector Like 8002965598 Sue Me

Yes, a debt collector like the one calling from 800-296-5598 can sue you, but it's very unlikely. Debt collectors typically sue as a last resort and usually when the amount owed is substantial, often over $5,000. They need to prove you owe the debt, the amount is correct, and they have the legal right to sue, which can be challenging if the debt has transferred hands multiple times.

Since suing is costly and time-consuming, many collectors prefer to settle out of court. Keep in mind there is a statute of limitations that varies by state, beyond which they can't sue you for old debts.

If you are sued, you will receive a court summons and complaint, which you must respond to by the specified deadline to avoid a default judgment. This judgment could lead to wage garnishment or bank account levies.

Debt collectors usually try other methods like calls and letters to collect the debt first. If you receive a lawsuit, consider consulting an attorney to understand your options and defenses. Know that the Fair Debt Collection Practices Act (FDCPA) protects you from abusive or deceptive practices by debt collectors.

As a final point, remember that while a debt collector can sue you, it's rare. Always respond to court summons promptly, seek legal advice, and know your rights under the FDCPA.

Worried about legal action? Call now to understand your rights. Call (888) 488-5855

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

8002965598 Might Have Your Personal Information

Don't give any personal information to a caller from 8002965598. They are linked to debt collectors who might misuse your data. If you engage, you could face more issues.

Instead, here's what we advise you to do:

• Get your 3-bureau credit report.
• Block the number to avoid further harassment.
• Work with a reputable credit repair company for expert help.

Bringing it all together-By blocking calls from 8002965598, checking your credit report, and working with a credit repair company, you can protect your information and improve your credit without unnecessary stress.

Protect your personal information. Speak with our experts today. Call (888) 488-5855

Types Of Debt Collected By 8002965598

Midland Credit Management (MCM) collects different types of debt. If you hear from 8002965598, it could be related to:

• Credit card debts
• Medical bills
• Personal loans
• Utility bills

MCM buys delinquent debts from original creditors and aims to recover the amounts owed. If they contact you, they're trying to collect one of these debts.

All things considered, knowing the types of debt collected by 8002965598 helps you understand why they are reaching out and how to address it.

How Do I Check If I Owe Money To 8002965598

To check if you owe money to 8002965598, follow these steps:

First, review your records. Go through your final bills, account statements, or any equipment return receipts. Look for any outstanding balances or notices of unpaid debts.

Next, get your free credit report from annualcreditreport.com. Check for any debts listed under Midland Credit Management (MCM).

If you find a debt related to this number, send a written request for debt validation to the collections agency. This step ensures the debt is legitimate and accurate.

Avoid calling the number directly. Scammers might use it to restart the statute of limitations on old debts or to get your personal information.

Lastly, if you're being harassed over disputed debts, consult a consumer protection lawyer. This proactive approach helps prevent issues with inaccurate collection efforts affecting your credit.

Need to verify your debts? Contact us for a thorough check. Call (888) 488-5855

Which Debt Collection Laws And Regulations Protect Me From 8002965598

You are protected by several debt collection laws and regulations from any unfair practices by debt collectors, including calls from numbers like 8002965598.

First, the Fair Debt Collection Practices Act (FDCPA) safeguards you by forbidding collectors from contacting you before 8 AM or after 9 PM, calling you at work if your employer disapproves, using abusive language, or repeatedly calling to annoy you. They cannot mislead or misinform you about your debt, and they must not reveal your debt to anyone else without your permission. They must also send a validation notice with debt details, stop contacting you upon written request, and disclose their intent to collect a debt.

Additionally, state debt collection laws may offer further protection. For instance, New York enforces strict licensing rules for debt collectors. It's worth checking your state’s specific regulations to understand all protections available to you.

As a consumer, you can take action if you feel harassed. You can request in writing that the debt collector stop contacting you, and if you have legal representation, they must communicate with your attorney instead. Any violations can be reported to authorities like the Federal Trade Commission (FTC) or the Consumer Financial Protection Bureau (CFPB).

Finally, you are backed by robust laws like the FDCPA and additional state laws to protect you from unfair debt collection practices, ensuring your rights are respected and providing steps to take action against harassment.

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

Does 8002965598/Midland Credit Management (Mcm) Have Any Lawsuits Against Them

Yes, 8002965598/Midland Credit Management (MCM) has faced several lawsuits and numerous official complaints.

Lawsuits:
- Telephone Consumer Protection Act (TCPA) Violation (2016): MCM was sued for breaking TCPA regulations.
- Misleading Practices (Florida, 2020s): A Florida resident claimed MCM engaged in deceptive debt collection attempts.
- CFPB vs. Encore Capital Group (2015): CFPB sued MCM and its affiliates for not complying with a previous judgment.
- Midland Credit Management, Inc. v. Elizabeth Rios (2022): MCM's suit for non-payment was dismissed due to delayed filing.

Official Complaints:
- Consumer Financial Protection Bureau (CFPB): Over 400 complaints about MCM’s debt collection methods in the past year, including collecting non-owed debts and inaccurate reporting.
- Better Business Bureau (BBB): 352 consumer complaints, primarily about harassment and illegal debt collection practices.

In closing, MCM has a history of lawsuits and complaints for their debt collection practices. If you are contacted by them, consider consulting a legal professional for advice.

What Do People Online Say About 8002965598

People online have shared various opinions about the phone number 800-296-5598.

One Reddit user, JohnDoe_1984, mentions, 'Received multiple calls from 800-296-5598. They said it was about an old debt, but it seemed sketchy.' Another user, SarahC_91, states, 'I got a call from this number claiming to be from a debt collection agency. It was persistent and a bit threatening.' Additionally, a report on Robokiller describes it as a 'Fake phantom debt collection scam by madarchod criminals phoning from India. They impersonate banks or debt collectors and try to intimidate you into paying fake debts.'

Brief Analysis:
The comments reveal mixed feelings about the number. Some believe it belongs to a legitimate debt collection agency like Midland Credit Management, but others feel harassed and consider the calls to be scams.

Overall, while some users believe the number 800-296-5598 comes from a real debt collection agency, many feel it might be a scam, indicating you should be cautious and verify the source before engaging.

Do I Really Need To Remove 8002965598 From My Credit Report

Yes, you should remove 8002965598 from your credit report if it’s 'potentially inaccurate.' Identifying and removing such entries can prevent unnecessary damage to your credit score.

To address this issue, you need to:

- Check your credit report to confirm if 8002965598 is listed.
- Verify whether the entry is 'potentially inaccurate.'
- Contact a reputable credit repair company, such as The Credit Pros, to help handle the dispute process efficiently.

Going through all this on your own can be exhausting, and many typical credit repair companies are unreliable. We advise you to save time and stress by reaching out to a trustworthy service like The Credit Pros.

As a final point - ensuring your credit report is accurate protects your score. Confirm the entry, verify inaccuracies, and get professional help if needed.

Wondering if you should remove this number from your report? Speak with us to find out. Call (888) 488-5855

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Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

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