Who is 8003594107 (+ how are they hurting my credit score)

The phone number 8003594107 is linked to a debt collection agency. However, you need to be cautious because it could also be a scam. It's crucial that you don't engage directly with the caller, whether they are legitimate or scammers. You shouldn't pay any debt immediately if you have doubts or are unsure about the details.

We advise you to call us for a free 3-bureau credit report evaluation. This will help you check for any potentially inaccurate negative items on your report that could hurt your score. The Credit Pros have helped hundreds of thousands of people with similar spam calls.

Regardless of the call's legitimacy, your next steps are the same:
• Pull your credit report and analyze it for potentially inaccurate negative items.
• Block the number to stop future calls.
• Check your credit report to verify any debt from this collector.
• Dispute potentially inaccurate negative items to improve your financial prospects.

To sum up, if you get a call from 8003594107, don't engage directly. Block the number, get a free credit report, and let The Credit Pros help you verify and handle any potential inaccuracies.

To stop 8003594107 from harassing you and report them, here's what you can do:

First, document every unwanted call by noting the date, time, and any abusive language. Next, register your number on the Do Not Call Registry to reduce these calls.

You should block the number using your phone’s call-blocking feature or ask your service provider for help. If necessary, escalate measures by considering a restraining order, consulting a harassment lawyer, or sending a cease and desist letter. Templates are available 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 devices.

To report the number:
• File a complaint with the FCC at fcc.gov/complaints.
• Report telemarketing calls to the FTC at ReportFraud.ftc.gov or DoNotCall.gov.
• Contact the CFPB at consumerfinance.gov/complaint or call (855) 411-2372.

You might also want to report this harassment to Nomorobo if you use their service. Don’t forget to contact your phone carrier for more call-blocking tools and check your local or state consumer protection office for additional resources.

To wrap things up, you should document the calls, block the number, and report it to the FCC, FTC, and CFPB. This approach will help you stop 8003594107 from harassing you.

You should block the number 8003594107. Blocking will stop the calls and prevent further harassment. If this number belongs to a debt collector like Midland Credit Management (MCM), it's crucial that you block them and avoid direct engagement. Ignoring the calls without blocking might lead to constant disruptions.

Blocking the number won’t negatively impact your credit score. If the debt is already on your credit report, blocking or ignoring it won’t change your score further.

You should address any negative items on your report by working with a reputable credit repair company. They can help you address and potentially remove inaccuracies. Blocking these calls can reduce your stress and help you focus on resolving the issue with professional help.

In summary:

• Block the number to stop harassment.
• Blocking won't hurt your credit score.
• Work with a credit repair company to address report inaccuracies.
• Blocking reduces stress and helps you focus on resolution.

In the end, blocking the number 8003594107 stops harassment, doesn't harm your credit score, and lets you focus on resolving any inaccuracies with professional help.

Yes, a debt collector like 8003594107 can sue you, but it's fairly unlikely.

Debt collectors usually sue as a last resort, primarily for large amounts, typically over $5,000. They have to show you owe the debt, the amount is correct, and they have the legal right to sue, which can be tricky if the debt has changed hands multiple times.

Filing a lawsuit costs them time and money, so they often prefer to resolve the issue outside of court through calls and letters. Additionally, each state has a statute of limitations; if your debt is old, they might not be able to sue you anymore.

If they do choose to sue, you will receive a court summons. You must respond by the deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies, though this is still rare.

Remember, the Fair Debt Collection Practices Act (FDCPA) protects you from abusive or deceptive practices. If you get sued, consider consulting an attorney to understand your options.

As a final point - stay informed about your rights under the FDCPA, respond promptly to any court summons, and consider seeking legal advice if facing a lawsuit from a debt collector like 8003594107.

If you suspect that 8003594107 might have your personal information, you should never share any details with them. Ignoring their calls could prevent scams or identity theft.

First, check your credit report from Equifax, Experian, and TransUnion to ensure there are no inaccuracies. If you find any issues, consider working with a reputable credit repair company. They can help you correct mistakes and improve your credit score.

You should block the number to avoid further stress. Then, focus on reviewing your credit report and seek professional assistance if needed.

Bringing it all together – block the number, check your credit report, and get professional help if necessary. These steps will empower you to protect your personal information and safeguard your financial health.

8003594107 deals with collecting debts primarily related to personal, family, or household matters. They often handle unpaid loans, credit card debts, medical bills, and student loans. They buy these debts from various creditors and then work to collect them.

You should know your rights under laws like the Fair Debt Collection Practices Act (FDCPA) when interacting with debt collectors like 8003594107. Be sure to verify any debt before making payments. They do not handle business-related debts or debts from original creditors.

If you need assistance, consider seeking professional advice.

All things considered, it's crucial that you understand the types of debts collected by 8003594107, verify debts before paying, and remember your rights under the FDCPA. Seek professional help when necessary.

To check if you owe money to 8003594107, follow these steps:

1. Don't Contact Them Directly: It's important that you don't engage directly. This could restart the statute of limitations on old debts.

2. Review Your Records: Check your records thoroughly for any final bills, account statements, or equipment return receipts that might show a debt.

3. Check Your Credit Report: Look at your credit report for any debt from Midland Credit Management. You can get a free credit report from AnnualCreditReport.com.

4. Request Debt Validation: If the debt appears on your credit report, ask Midland Credit Management for debt validation to confirm it’s legitimate. This will provide detailed information about the debt, such as the original creditor and the amount owed.

5. Consult a Lawyer: If you face harassment or frequent calls over disputed debts, consider consulting a consumer protection lawyer.

Lastly, by carefully reviewing your records, checking your credit report, requesting validation, and consulting a lawyer if needed, you can effectively manage and verify any debt claims.

To protect yourself from debt collectors like 8003594107, several laws and regulations come into play:

Fair Debt Collection Practices Act (FDCPA):
- No Harassment: Collectors can't harass, oppress, or abuse you. They can't contact you before 8 AM or after 9 PM.
- No Work Calls: They can't call you at work if your employer prohibits it.
- Validation Notice: Must send you a written notice within five days of first contact, detailing the amount owed, creditor's name, and your right to dispute.
- Stop Communication: You can demand they stop contacting you by writing to them.

Consumer Rights:
- Dispute the Debt: If you dispute it in writing within 30 days, they must provide verification and stop collection efforts until verified.
- Lawsuits for Violations: You can sue for FDCPA violations and recover damages, attorney fees, and costs.
- Report Violations: You can report to the FTC, CFPB, and state attorney general for enforcement actions.

State Laws:
- States may have additional protections. For instance, some states require debt collectors to be licensed and follow more stringent rules.

Finally, by knowing which debt collection laws and regulations protect you from 8003594107, you can confidently take steps to stop harassment, dispute debts, and take legal action if necessary.

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

For instance, in Midland Credit Management, Inc. v. Elizabeth Rios, MCM sought a default judgment for non-payment of a debt. However, the court dismissed the case due to a delay in filing their motion for default judgment (Index No. CV-000116-20/RI). Additionally, a class action lawsuit in New York’s Southern District alleges that MCM and Midland Funding, LLC violated federal law by sending misleading and deceptive collection notices. These notices implied untrue deadlines and legal threats to consumers.

You can find numerous complaints about MCM on platforms like the Better Business Bureau, where users report aggressive and deceptive debt collection practices. MCM has also been documented to violate the Fair Debt Collection Practices Act, leading to multiple consumer complaints about illegal collection activities.

In closing, if you find yourself dealing with MCM, be cautious. Know your rights and consider seeking legal advice to challenge any improper actions they might take.

People online have mixed reactions to calls from 800-359-4107.

On Reddit, user 'rileyG098' mentioned, 'Midland Credit keeps calling me even though I don't have any debts. It's been happening for a year and it's really annoying.' User 'jakeTheSnake12' added, 'I keep getting calls from different numbers, but they all lead back to Midland Credit. Can’t seem to stop them.'

In another forum, 'amy_lee' shared, 'I've blocked the number but they still find ways to call me from other numbers.'

From these comments, it's clear that many individuals who receive calls from 800-359-4107 face persistent contact attempts, often without understanding why they are being called. This can lead to frustration and confusion, especially for those who don't owe any debts.

Overall, people online express frustration and confusion about persistent calls from 800-359-4107, often citing Midland Credit as the source and struggling to stop the unwanted contact.

Yes, you should remove 8003594107 from your credit report if it's inaccurate. Doing this on your own can be time-consuming and stressful. Instead of using poorly rated companies, consider a reputable credit repair company like The Credit Pros.

First, confirm that the collection is on your report and is potentially inaccurate. Then, avoid typical credit repair companies. Finally, consider reaching out to The Credit Pros to handle the dispute process for you.

As a final point, taking these steps can help you efficiently address any inaccuracies on your credit report.

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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