Who is 8003514604 (+ how are they hurting my credit score)

The phone number 800-351-4604 is associated with Midland Credit Management (MCM), a debt collection agency. However, you should exercise caution as it may also be used in scam attempts. It's important that you don't engage with the caller directly if you have doubts about the legitimacy of the debt.

You should follow these steps:

- Pull your credit report and check for any inaccurate negative items.
- Do not share any personal information over the call.
- Contact The Credit Pros for a free credit report analysis.

If the debt appears on your report, it’s likely legitimate, but you still shouldn't feel pressured to respond directly.

To sum up, make sure you verify the debt, avoid sharing personal info over the phone, and contact The Credit Pros for help. Block the number and handle the situation safely.

To stop 8003514604 from harassing you, document each unwanted call. Note the date, time, and any abusive language used. Register your number at DoNotCall.gov and block the number through your phone's call-blocking feature or contact your service provider for help.

If the harassment continues, you should consider:
• Obtaining a restraining order to legally mandate the harasser to stop contacting you.
• Hiring a harassment lawyer to guide you through the legal process, as harassment is illegal under Federal and State laws.
• Sending a cease and desist letter using a template from eforms.com/cease-and-desist.

You can also use apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices to block future calls.

Report the harassment to federal agencies:
• File a complaint with the FCC at fcc.gov/complaints if the call was an illegal robocall or if your number was spoofed.
• Report to the FTC for telemarketing issues or Do Not Call Registry violations at ReportFraud.ftc.gov or DoNotCall.gov.

You can also report to the CFPB:
• Document all interactions and gather relevant information.
• Submit a complaint online at consumerfinance.gov/complaint, call (855) 411-2372, or mail a letter to CFPB, 1700 G Street, NW, Washington, DC 20552.

Other options include using Nomorobo if you subscribe to their service or contacting your phone carrier for more call-blocking tools. Check with your local or state consumer protection office for additional resources.

To wrap things up, you should document calls, register with the Do Not Call list, block the number, and report the harassment to federal agencies for assistance. Taking action will help stop the harassment effectively.

You should block the number 8003514604. If you keep receiving harassing calls from this number, especially from a debt collector like Midland Credit Management (MCM), blocking them can help reduce stress and unwanted contact. Ignoring them might lead to continuous disruptions in your day.

Blocking the number has no negative impact on your credit score. If there are inaccuracies on your credit report, it is crucial that you address them by working with a reputable credit repair company. This way, you can focus on fixing any disputes and ensuring your report is accurate without directly dealing with annoying collectors.

Here’s what you can do:

• Block the number to stop the harassment.
• Understand that blocking won’t affect your credit score.
• Collaborate with a credit repair company to clear up your report.

In the end, by blocking 8003514604 and working with a credit repair company, you manage stress better and maintain a clean credit report.

Yes, a debt collector like 8003514604 can sue you. However, it's very unlikely. Suing is usually a last resort for larger amounts, often over $5,000. They must prove you owe the debt, the amount is correct, and they have the legal right to sue, which is not easy for them. Lawsuits are expensive and time-consuming, so they usually prefer calls and letters.

Each state has a statute of limitations for debt collection. If the debt is old, it might be beyond this period. If you do get sued, you will receive a court summons. You must 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 receive a lawsuit, consider consulting with an attorney.

As a final point, if a debt collector like 8003514604 sues you, it is rare, but you should respond to court summonses, know your rights under the FDCPA, and consult with an attorney.

If you are getting calls from the number 8003514604, they might have your personal information and it's likely from a debt collector. Don't give them any information. It’s best that you don’t pick up their calls because engaging with them might validate a debt you aren't required to pay.

Here’s what we advise you to do:
• Block the number to avoid further stress.
• Get your credit report from all three bureaus to see what’s on your credit record.
• Contact a reputable credit repair company for help fixing errors and building a strong credit profile.

Bringing it all together - protect yourself by blocking 8003514604, obtaining your 3-bureau credit report, and working with a trusted credit repair company to manage your credit effectively.

Midland Credit Management (MCM) collects various types of debt you might owe. They handle unpaid personal loans, credit card debt, medical bills, and utility bills. Typically, when you miss payments for 120-180 days, creditors sell these accounts to MCM, and then MCM takes over the collection process.

You might be dealing with debts from different creditors that MCM works with. They aim to recover the money you owe through their collection efforts.

All things considered, if you owe unpaid debts like personal loans, credit cards, or medical bills, Midland Credit Management may be the ones managing your account.

To check if you owe money to 8003514604, you should follow these steps:

First, review your past bills, account statements, or equipment return receipts. You might find final bills or accounts in collections.

Next, get your credit reports from all three major bureaus (Experian, TransUnion, Equifax) at AnnualCreditReport.com. Look for any entries related to 8003514604.

If you find a debt linked to 8003514604, request debt validation from the collections agency to confirm its legitimacy. You want to be sure before making any payments.

Lastly, if you're being harassed or disputing the debt, consider consulting a consumer protection lawyer. Empower yourself with this information to handle the situation confidently.

You are protected from debt collection harassment by several laws and regulations. The Fair Debt Collection Practices Act (FDCPA) specifically protects you from abusive practices by debt collectors, such as those calling you from 8003514604. This federal law ensures collectors cannot harass, deceive, or threaten you when they attempt to collect debts for personal, family, or household purposes.

Under the FDCPA, debt collectors must adhere to these rules:

• They can't contact you before 8 AM or after 9 PM.
• They cannot call you at work if your employer forbids it.
• They must avoid using obscene, profane, or abusive language.
• They cannot threaten violence or criminal actions, and they must not harass you by making repeated or continuous calls.
• They are not allowed to falsely present themselves as attorneys or government officials.
• They must not disclose your debt to third parties, including friends, neighbors, or co-workers.
• They cannot demand more than what you legally owe.

You should receive a written validation notice outlining the amount owed, the creditor's name, and your right to dispute the debt within 30 days. If you dispute the debt in writing, the collector must verify it and provide documentation before continuing any collection efforts.

Many states also have their own debt collection laws offering additional protections. If you face harassment, report any violations to the Consumer Financial Protection Bureau (CFPB), your state attorney general, or other authorities. You also have the right to sue the debt collector for damages and legal fees.

Finally, remember that knowing your rights under federal and state laws empowers you to protect yourself from unfair debt collection practices effectively.

Yes, Midland Credit Management (MCM) has several lawsuits against them. You might find cases such as:

1. TCPA Class Action Lawsuit: MCM faced allegations of violating the Telephone Consumer Protection Act by using automatic dialing systems to call cell phones without prior consent. They settled for $15 million, which is used to forgive some debts or provide cash payouts to affected individuals.

2. Deceptive Collection Notices Lawsuit: In New York’s Southern District, MCM and Midland Funding were accused of sending misleading and deceptive collection notices with false deadlines and legal threats. The notices were argued to be 'illusory and arbitrary' due to inconsistent deadlines.

3. Midland Credit Management, Inc. v. Elizabeth Rios: MCM sought a default judgment for non-payment of debt, but the case was dismissed as MCM failed to provide a reasonable excuse for their delay.

Additionally, there are numerous consumer complaints about MCM’s practices, including:

• Persistent and harassing calls
• Threats and misleading notices
• Inconsistent and arbitrary deadlines

If you're dealing with MCM, know your rights and consider seeking legal advice.

In closing, it's clear that Midland Credit Management (MCM) has faced multiple lawsuits for their debt collection practices, ranging from TCPA violations to deceptive notices. You should be aware of these issues and consider consulting legal counsel to protect your rights.

Here's what people online are saying about the phone number 800-351-4604:

You might recognize this experience from Reddit user u/JohnnyD85 who said, 'I keep getting calls from 8003514604. They never leave a message and call multiple times a day.' Another user, u/SarahAH, noted, 'Received a call from 8003514604 saying they are from Midland Credit Management. They were very insistent on getting personal information.' User u/Mark1000 mentioned, 'I've been avoiding calls from 8003514604. Thanks to Nomorobo, most of them get blocked after the first ring.'

• Frequent, unsolicited calls
• Callers rarely leave messages
• Claims of affiliation with Midland Credit Management
• Insistence on personal information
• Use of services like Nomorobo to block calls

Overall, people online report that 800-351-4604 frequently makes unsolicited calls, rarely leaves messages, and often claims to be from Midland Credit Management while insisting on personal information. Many use services like Nomorobo to block these calls and avoid disruptions.

Yes, you really need to remove 8003514604 from your credit report if you confirm it is inaccurate. Disputing it on your own can be time-consuming and exhausting. Instead of tackling this by yourself, consider saving hours and reaching out to a reputable company that can help, like The Credit Pros. Avoid hiring typical credit repair companies since most are poorly rated and ineffective.

Removing this potentially inaccurate item from your credit report is crucial for improving your credit score and avoiding potential future problems. Sometimes, credit reports contain errors or outdated information that can unfairly bring your score down.

You have the legal right to dispute inaccurate information directly with credit reporting companies and the companies that furnish this information. These companies are obligated to conduct a reasonable investigation and correct any mistakes usually within 30 days, at no cost to you. However, a good credit repair company, though rare, can make a significant difference by efficiently handling your dispute and potentially increasing your success rate in removing such items.

As a final point - it is crucial that you address inaccuracies on your credit report, utilize your legal right to dispute them, and consider engaging a reputable credit repair company to save time and effort in ensuring these errors are corrected.

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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• 8175873877