Home / Who is 8003575129 (+ how are they hurting my credit score)

Who is 8003575129 (+ how are they hurting my credit score)

  • Phone number 8003575129 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

8003575129 might be calling you because of a debt collector or a scam. Often, Midland Credit Management (MCM) makes these calls to collect on an outstanding debt. Ignoring the calls might stop the immediate annoyance, but it won't solve the problem. Blocking or ignoring these calls won’t make the debt go away.

Debt collectors usually purchase your outstanding debt and try to collect. Blocking or ignoring their calls might seem like a quick fix, but it’s not a permanent solution. The best move is to get a full picture of your financial standing. Call The Credit Pros at the number above for a no-pressure credit report evaluation. We’ll help you figure out if this is a debt collector and identify other negative items affecting your score.

We’ve helped many people in your situation remove potentially inaccurate items from their credit reports. This often boosts your credit score and improves your overall financial situation. Plus, getting rid of inaccuracies means no more harassing calls. Don’t wait-your credit and peace of mind depend on prompt action.

Who Is 8003575129: Scam Or Legitimate

The phone number 800-357-5129 is linked to a debt collection agency, but it might also be a scam. You should not engage with the caller, even if they seem legitimate. You don't need to pay any debt immediately if you have doubts.

Here's what we advise you to do next:

1. Pull your credit report and check for any errors or negative items.
2. If you see the number or the company's name on your report, it might be legitimate, but still, don't respond immediately.
3. We can help you verify any debt, dispute inaccuracies, and improve your financial situation.

For a free 3-bureau credit report evaluation, contact The Credit Pros. We've assisted numerous people with similar spam calls.

To sum up, always check your credit report, avoid immediate payments, and seek professional help if needed.

How Do I Stop 8003575129 From Harassing Me (How To Report Them)

To stop 8003575129 from harassing you, you should take the following steps:

First, document every call. Keep a detailed log of each call, including dates, times, and any abusive language.

Next, register your number with the Do Not Call Registry at DoNotCall.gov. This process takes less than 2 minutes.

Then, block the number. Use your phone’s call-blocking feature or ask your service provider for assistance.

If the calls continue or become threatening, consider these escalation steps:
• Obtain a restraining order to legally prevent the caller from contacting you.
• Hire a harassment lawyer to aid in protecting your rights.
• Send a cease and desist letter. You can find a template at eforms.com/cease-and-desist.

You can also use call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple.

File a complaint with the FCC at fcc.gov/complaints by choosing the phone form and specifying 'unwanted calls.'

Report violations of the Do Not Call Registry to the FTC at ReportFraud.ftc.gov or DoNotCall.gov.

Contact the CFPB to report the issue:
• Gather all interaction details.
• Submit a complaint online at consumerfinance.gov/complaint or call (855) 411-2372.

If you use Nomorobo, report unwanted robocalls through their platform.

Ask your phone carrier about their call-blocking tools and options.

Check with local consumer protection offices for additional resources.

To wrap things up, to stop 8003575129 from harassing you, document the calls, register with Do Not Call, block the number, escalate as needed, use call-blocking apps, report to FCC and FTC, and contact CFPB and your phone carrier. These steps will help you regain control and stop the harassment.

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

Should I Block Or Ignore 8003575129

You should block 8003575129. Blocking this number will stop the calls and reduce your stress. If you ignore them, you might receive continuous calls that disrupt your day, especially if it's a persistent debt collector. Blocking the number has no major downsides.

If this is a debt collection call and they are harassing you, blocking is a smart move. Blocking and ignoring these calls won’t affect your credit score negatively. If this debt is already on your credit report, it can’t harm your score further.

To address this, you should:

• Block the number on your phone.
• Contact a reputable credit repair company to address any inaccuracies on your credit report.
• Relax, knowing that blocking the number won't affect your credit score.

In the end, blocking this number prevents further harassment and allows you to focus on improving your credit with professional help.

Can A Debt Collector Like 8003575129 Sue Me

Yes, a debt collector like 8003575129 can sue you, but it’s quite unlikely. They usually consider suing only if the debt is large, typically over $5,000, and if they believe that the cost and effort of a lawsuit are worth it. They need to prove you owe the debt, the amount is correct, and they have the legal right to sue, which can be tricky if the debt has been sold multiple times.

Collectors often prefer other methods such as calls and letters before suing, as lawsuits are expensive and time-consuming. Each state has a statute of limitations, a period during which they can sue for the debt. If your debt is old, it might be beyond this limit, reducing the chances of a lawsuit.

If a debt collector decides to sue, you'll get a court summons and complaint. You need to respond within the deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies. The Fair Debt Collection Practices Act (FDCPA) protects you from abusive practices, so if you're sued, consulting an attorney can help you understand your options.

• Debt collectors sue as a last resort.
• They must prove you owe the debt and have the legal right to sue.
• Respond to any court summons to avoid a default judgment.

As a final point - remember, while a debt collector like 8003575129 might sue you, it’s rare. They prefer settling out of court. Always respond to court summons to protect yourself and consider consulting an attorney for support.

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

8003575129 Might Have Your Personal Information

If you’re getting calls from 8003575129, don't provide any personal information. This number is likely from a debt collector. Ideally, don't even pick up their calls. Answering can confirm your identity and make you a bigger target for their attempts.

You should get your 3-bureau credit report and start making a detailed plan to improve your credit. Consider working with a reputable credit repair company. They have the expertise to handle inaccuracies or disputes on your report and can help you rebuild your credit much more effectively.

Bringing it all together – block these calls to reduce stress, get your credit report, and work with a reputable credit repair company to ensure your financial security.

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

Types Of Debt Collected By 8003575129

8003575129 deals with various types of debts that might be impacting you. They collect on behalf of creditors and even purchase delinquent debt. Here's what they handle:

• Credit card accounts
• Medical bills
• Loans (personal, auto, student)
• Unpaid utility bills

You may find that they do not exclusively collect for specific creditors but usually buy debt from multiple sources. This approach helps them recover as many debts as possible.

All things considered, understanding the types of debt collected by 8003575129 and their methods can help you navigate your situation more effectively.

How Do I Check If I Owe Money To 8003575129

To check if you owe money to 8003575129, follow these steps:

First, review your records. You should look through any final bills, account statements, or equipment return receipts for signs of an outstanding debt.

Next, check your credit report. Use major credit agencies like Experian, Equifax, or TransUnion. Look for any debts in your name, specifically from Midland Credit Management (MCM).

If you find a debt, request a debt validation letter from the collections agency. They should provide proof that the debt belongs to you.

You might consider consulting a lawyer if you're dealing with harassment over disputed debts. Lastly, avoid initiating direct contact with the number as it could restart the statute of limitations on old debts.

By taking these steps, you prevent potential issues from impacting your credit inaccurately and ensure you handle your financial obligations properly.

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

Which Debt Collection Laws And Regulations Protect Me From 8003575129

You are protected by several laws and regulations when dealing with debt collectors such as 8003575129, likely linked to Midland Credit Management (MCM).

The Fair Debt Collection Practices Act (FDCPA) is your main defense against abusive, deceptive, or unfair debt collection practices. Debt collectors cannot contact you before 8 AM or after 9 PM, use abusive language, make threats, or misrepresent themselves. You can dispute the debt in writing within 30 days, and they must verify it before continuing collection attempts. You can also request in writing that the collector stops contacting you, and they must comply except to confirm they will cease contact or to inform you of specific actions.

Many states offer additional protections beyond the FDCPA, such as stricter licensing requirements or specific prohibitions on certain practices. Check your state's specific debt collection laws for additional protections.

You have several consumer rights under these laws. Debt collectors must send you a validation notice within five days of initial contact, detailing the amount owed and the creditor’s name. You can sue for FDCPA violations, claim actual damages and up to $1,000 in statutory damages, plus attorney’s fees. Report any violations to the FTC, CFPB, or your state attorney general.

Finally, knowing which debt collection laws and regulations protect you from 8003575129 empowers you to navigate these challenges lawfully and effectively.

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 8003575129/ Midland Credit Management (Mcm) Have Any Lawsuits Against Them

Yes, Midland Credit Management (MCM) does have several lawsuits against them related to debt collection.

You might be interested in cases like MIDLAND CREDIT MANAGEMENT, INC. v. Elizabeth RIOS. Here, MCM sought a default judgment for non-payment of a debt, but the court dismissed the case due to MCM's delay in filing their motion.

There's also a class action complaint filed in New York’s Southern District. This lawsuit alleged that MCM and Midland Funding LLC sent misleading collection notices with false deadlines and legal threats, violating federal law.

The complaints focus on:
• Misleading Notices: MCM allegedly changed deadlines arbitrarily and deceptively.
• Threatening Communication: MCM was accused of demanding immediate full payment and threatening wage garnishment over the phone.

These lawsuits spotlight issues with MCM's collection practices. If you face similar problems, it is crucial that you seek legal advice to explore your options.

In closing, remember that MCM has faced lawsuits for misleading notices and threatening communication, so if you experience similar issues, seeking legal advice is a proactive step.

What Do People Online Say About 8003575129

People online have mixed opinions about the phone number 8003575129. Some users on platforms like Reddit and Robokiller suggest it may be a scam.

One user on Robokiller mentioned it as a 'phantom debt collection scam' where scammers impersonate banks or debt collectors to collect on fake debts. Another user highlighted that these callers often try to sound official by saying, 'I am calling on a recorded line.'

People have also reported that the callers request personal information like online banking login credentials and Social Security numbers under the guise of 'verification purposes.'

Overall, many people online believe that calls from 8003575129 are scams using intimidation tactics. Be cautious if you receive a call from this number and verify the legitimacy before providing any personal information.

Do I Really Need To Remove 8003575129 From My Credit Report

Yes, you should remove 8003575129 from your credit report if it's there and might be inaccurate. We recommend that you avoid typical credit repair companies, which are often poorly rated. Handling disputes on your own can be time-consuming and frustrating. Instead, consider using a reputable credit repair company like 'The Credit Pros.'

Key steps:

1. Check your credit report to find 8003575129.
2. Verify if the information is inaccurate.
3. Avoid unreliable credit repair companies.
4. Use a reputable company like 'The Credit Pros' to save time and effort.

As a final point, confirm the presence of 8003575129 on your report, verify its accuracy, steer clear of poorly rated services, and consider a reputable company to handle it efficiently.

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

Here are other formats 8003575129 can be written

- +1 800-357-5129
- +1 (800) 357-5129
- +1 800 357 5129
- (800) 357-5129
- 800-357-5129
- 800.357.5129
- 800 357 5129
- +18003575129
- (800) 357-5129
- 800.357.5129
- 8003575129

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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