Home / Who is 8003318859 (+ how are they hurting my credit score)

Who is 8003318859 (+ how are they hurting my credit score)

  • Phone number 8003318859 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.
List of company featuring our services

Main phone number related with this page is: 8773661642

If you’re getting calls from 8003318859, Midland Credit Management (MCM) or a similar debt collector, maybe even a scam, is likely trying to reach you. Ignoring these calls won’t solve the problem. They could be trying to collect on an outstanding debt they bought.

Blocking the number only offers a temporary fix. The calls might stop briefly, but the problem won’t disappear. The best solution involves proactive steps. Call The Credit Pros at the number above. We’ll review your 3-bureau credit report, identify if this is a debt collector, and find any potentially inaccurate items dragging down your score.

We’ve helped many people remove incorrect items, which often boosts their credit scores and stops the harassment. It's crucial to act now – ignoring it might worsen your financial situation. By tackling it head-on with professional help, you'll protect your financial health and peace of mind.

Who Is 8003318859: Scam Or Legitimate

The number 8003318859 is often reported as a scam, typically posing as a debt collector with tactics like phantom debt collection. Engaging with these callers can be risky, as they may try to extract personal information or immediate payments from you.

Here's what you should do next:
- Pull your credit report from the three major bureaus.
- Check for any negative items that might be inaccurate.
- If this number appears as a collection, consult with The Credit Pros to verify the debt and dispute inaccuracies.

You should never share personal information or make payments until you're sure of the debt's legitimacy. For added assistance, contact us for a free 3-bureau credit report evaluation. We've helped many people deal with similar scams and spam calls.

To sum up, always verify debts, pull and check your credit reports, and consult with professionals to handle disputes. Stay informed and cautious.

How Do I Stop 8003318859 From Harassing Me (How To Report Them)

Stopping 8003318859 from harassing you and reporting them involves several steps:

First, document unwanted interactions by keeping a log of dates, times, and any abusive language used. Then, register your number at DoNotCall.gov to add it to the Do Not Call Registry. You should block the number on your phone or ask your service provider for help.

Next, consider escalating measures. If the harassment persists or turns threatening, obtain a restraining order. Hiring a harassment lawyer can help since harassment violates specific Federal and State laws. You can also send a cease and desist letter using a template from eforms.com/cease-and-desist.

Make use of call-blocking apps. For Android, use 'Call Blocker - Stop spam calls,' and for Apple, use 'Robokiller: Spam Call Blocker.' Report the calls to the Federal Communications Commission (FCC) by filing a complaint for illegal robocalls or unwanted calls at fcc.gov/complaints. Provide details like the number, date, and time of the call.

To report to the Federal Trade Commission (FTC), use ReportFraud.ftc.gov for telemarketing calls or Do Not Call Registry violations. For general unwanted calls, use DoNotCall.gov.

For financial harassment, report it to the Consumer Financial Protection Bureau (CFPB). Document all interactions thoroughly, then submit a complaint at consumerfinance.gov/complaint or call (855) 411-2372. Include a clear explanation of what happened, key details, and your suggested resolution.

You can also report unwanted robocalls through Nomorobo if you use their services. Additionally, check with your phone carrier about their call-blocking tools and options. Your local or state consumer protection office may provide additional resources or ways to lodge complaints.

To wrap things up, safeguard yourself from 8003318859 by documenting interactions, blocking the number, using call-blocking apps, and reporting the harassment to the FCC, FTC, and CFPB. Take proactive measures and use resources available to you to put an end to the harassment.

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

Should I Block Or Ignore 8003318859

Block the number 8003318859 to avoid constant disturbances and potential stress. If you ignore them, you may receive continuous calls that disrupt your day. Blocking it means you won't get calls or messages from this number anymore, giving you peace of mind.

Determine if the number belongs to a debt collector. If it does, blocking them is smart and won't affect your credit score. Even if this number already appears on your credit report, blocking it won't worsen your score. To manage debt collection issues, consider reaching out to a reputable credit repair company for help with inaccuracies or disputes on your report.

Here are the steps you should follow:
- Block the number to avoid harassment.
- Contact a reputable credit repair company for professional assistance.
- Handle inaccuracies or disputes on your report with their help.

In the end, blocking 8003318859 will reduce stress and provide peace of mind, while a credit repair company can help maintain your credit health.

Can A Debt Collector Like 8003318859 Sue Me

Yes, a debt collector like 8003318859 can sue you, although this is rare. They usually sue if you owe a substantial amount, often over $5,000, due to the high costs and time commitment involved in legal action. Most collectors prefer to settle out of court.

Before suing you, they must prove that you owe the debt, the amount is accurate, and they have the legal right to sue. This can be tricky, especially if your debt has been sold multiple times. Also, each state has a statute of limitations on debt collection. If your debt is old, it might be beyond this period.

Debt collectors typically try other methods like calls and letters before considering a lawsuit. If they do decide to sue, you will receive a court summons and complaint. It is crucial that you respond to avoid a default judgment, which could lead to wage garnishment or bank account levies.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). If you are sued, consider consulting an attorney to understand your options and defenses.

As a final point, it's important that you know a debt collector like 8003318859 can sue, but it's uncommon; they must prove the debt's validity, and you should immediately respond to any legal summons to protect your rights.

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

8003318859 Might Have Your Personal Information

Don't provide any personal information to callers from 800-331-8859. Engaging with debt collectors like Midland Credit Management (MCM) can lead to unwanted stress. Instead, you should obtain your 3-bureau credit report, which gives you a comprehensive view of your credit history and helps you identify any inaccuracies.

Here's what we advise you to do:

• Avoid answering calls from 800-331-8859.
• Get your 3-bureau credit report to review your credit history.
• Start building a plan to improve your credit based on this report.
• Work with a reputable credit repair company to handle disputes and inaccuracies.

Bringing it all together-avoid engaging with callers from 8003318859 Might Have Your Personal Information, get your credit report, and work on improving your credit with professional help.

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

Types Of Debt Collected By 8003318859

8003318859 collects different types of debts you might owe. These include:

• Credit Card Debts: Unpaid balances on your credit cards.
• Medical Bills: Outstanding healthcare and medical service charges.
• Loans: Any personal, auto, or other types of loans you haven't paid.
• Utility Bills: Unpaid charges for services like electricity and water.

They typically work with creditors to collect these debts, but sometimes they purchase delinquent debts to collect on their own.

All things considered, 8003318859 handles various debts like credit card balances, medical bills, loans, and utility charges, ensuring they collect effectively, whether working directly with creditors or managing purchased delinquent debts.

How Do I Check If I Owe Money To 8003318859

To check if you owe money to 8003318859, you should first review your past bills, account statements, or receipts for returned equipment. It's important that you don't engage directly since this might restart the statute of limitations on old debts. Instead, you should request debt validation if you see a debt from them on your credit report.

If you find inaccuracies, dispute them yourself if you have the time, or consider hiring a reputable credit repair company. If you face harassment over disputed debts, consult a consumer protection lawyer for advice.

Be aware that scammers might pose as debt collectors from this number. Avoid giving your personal information or making payments without proper verification.

• Review your records.
• Request debt validation from the collection agency.
• Dispute inaccuracies on your credit report.
• Consult a credit repair company if needed.
• Contact a consumer protection lawyer if harassed.

Lastly, protect yourself by staying proactive and verifying debts to avoid inaccuracies and scams.

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

Which Debt Collection Laws And Regulations Protect Me From 8003318859

Debt collection laws and regulations protect you from abusive practices by companies like the one behind the number 8003318859. Two main sets of laws you need to know are:

1. Fair Debt Collection Practices Act (FDCPA):
- This federal law prohibits abusive, deceptive, or unfair practices by third-party debt collectors.
- It bars collectors from contacting you before 8 AM or after 9 PM, contacting you at work if your employer disallows it, and from using obscene or abusive language.
- Collectors can't threaten violence, harass you with repeated calls, falsely represent themselves as attorneys or government officers, or discuss your debt with third parties.
- They must provide a written validation notice of your debt, and if you dispute it within 30 days, they must verify the debt before continuing collection.

2. State Debt Collection Laws:
- Many states have additional laws that offer extra protections. For example, New York requires strict licensing for debt collectors.

Your Rights Under These Laws:
- You can write to the collector to stop all communication.
- If you have an attorney, the collector must contact only them.
- You can sue for violations and report them to the FTC, CFPB, or your state attorney general.

Understanding these protections empowers you to handle debt collectors effectively and ensures your rights are upheld.

Finally, knowing which debt collection laws and regulations protect you from 8003318859 helps you manage these calls and secure your rights. If needed, agencies like The Credit Pros can assist you in navigating these issues.

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 8003318859/Midland Credit Management (Mcm) Have Any Lawsuits Against Them

Yes, Midland Credit Management (MCM) has multiple lawsuits against them.

You should be aware of a few notable cases. In Midland Credit Management, Inc. v. Elizabeth Rios, MCM sought a default judgment for non-payment, but the court dismissed the case due to MCM's procedural delays on June 9, 2022. Additionally, a class action in New York’s Southern District alleged that MCM and Midland Funding violated federal law by sending deceptive collection notices, including false deadlines and legal threats.

There are also multiple official complaints against MCM. Many people have accused MCM of violating the Fair Debt Collection Practices Act (FDCPA) through misleading and persistent debt collection activities. The complaints assert that MCM sent letters with false deadlines and threats, indicating breaches of federal regulations.

In closing, it's evident that MCM has faced various lawsuits and official complaints due to their debt collection practices, from procedural delays to allegations of deceptive notices.

What Do People Online Say About 8003318859

People online have varied experiences with the phone number 800-331-8859, many of which are shared on platforms like Reddit and Robokiller. Here are some specific comments and insights:

- Reddit User (name not shared):
> 'Did not contact me by phone, but someone frauded my debit card via this number.'

- Robokiller User Reports:
> 'Fake phantom debt collection scam by madarchod criminals phoning from India. This is what the Federal Trade Commission calls a phantom debt collection scam where the scammer pretends to be a bank (often impersonating Chase, Credit One, Wells Fargo, Citibank, Bank of America, Capital One, American Express, or US Bank), debt collector, credit agency, billing department, lawyer, or law enforcement and threatens to sue or arrest you using lies, harassment, and intimidation to collect on fake debts that you do not owe.'

Another Robokiller user mentioned:
> 'Harassment.'

You can see that feedback indicates a mix of possible scam calls and legitimate debt collection efforts. Some people report fraudulent activities, such as debit card fraud and illegal debt collection tactics, suggesting scammers may be using this number illegitimately. Others simply label the calls as harassment, which could imply persistent unsolicited contact often associated with debt collectors.

To protect yourself, verify any claims made by callers from this number, especially if you are uncertain about the debt or the company they claim to represent.

Overall, it's clear that you need to be cautious when dealing with calls from 800-331-8859. Be sure to verify any claims and consider blocking the number if it becomes a source of harassment.

Do I Really Need To Remove 8003318859 From My Credit Report

Yes, you should remove 8003318859 from your credit report if you discover it there and see it's potentially inaccurate.

First, confirm this collection is on your credit report and check for inaccuracies. Avoid the hassle of disputing it on your own, which can be challenging and time-consuming. Many typical credit repair companies are deceptive and poorly rated, so steer clear of them. Instead, consider reaching out to a reputable company like The Credit Pros to handle the dispute efficiently and effectively.

Here's what we advise you to do:
• Confirm the collection is on your credit report and identify any inaccuracies.
• Avoid dealing with poorly rated credit repair companies.
• Reach out to a trusted company like The Credit Pros for help with the dispute.

As a final point, remember that removing inaccurate items with the right assistance can significantly boost your financial confidence and improve your credit score.

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

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- (800) 331-8859
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- 800.331.8859
- 800 331 8859
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- 8003318859

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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