Home / Who is 8004593186 (+ how are they hurting my credit score)

Who is 8004593186 (+ how are they hurting my credit score)

  • Phone number 8004593186 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

Calls from 8004593186 likely come from Midland Credit Management (MCM), a debt collection agency that could harm your credit score. They might be trying to collect an outstanding debt they bought, or they’re harassing you without solid proof of the debt. Ignoring or blocking these calls is just a temporary fix and doesn’t solve the deeper issue.

If this is MCM, they’re probably trying to collect an old debt. Ignoring the calls might seem convenient, but it leaves the problem unresolved and risks your credit score. Instead, call The Credit Pros at 8004593186. We’ll evaluate your credit report from all three bureaus and confirm if this is a legit debt or a scam attempt.

We’ve helped countless people in similar situations remove inaccurate negative items from their reports. This can boost your credit score and overall financial health, and it stops those annoying calls for good. Ignoring or blocking won’t solve this-be proactive and protect your credit now.

Who Is 8004593186: Scam Or Legitimate

If you got a call from 8004593186, it's likely from Midland Credit Management (MCM), a debt collection agency. However, it could still be a scam. You shouldn't engage with the caller directly. Instead, pull your credit report to check for potentially inaccurate negative items. If you're unsure about the debt, don't pay immediately.

Here's what we advise you to do:
• Get a recent copy of your credit report.
• Look for any signs of inaccurate negative items.
• Reach out to The Credit Pros for help verifying the debt.

To sum up – if you get a call from 8004593186, check your credit report first. Verify any debts before you pay. We're here to help you navigate this stressful situation and improve your financial situation.

How Do I Stop 8004593186 From Harassing Me (How To Report Them)

If you want to stop 800-459-3186 from harassing you, follow these steps:

First, document the calls. Keep a detailed log of each call with dates, times, and what was said. Then, register your number at DoNotCall.gov and report any violations.

Next, block the number using your phone’s built-in call-blocking feature or download call-blocking apps like 'Call Blocker - Stop spam calls' (Android) or 'Robokiller: Spam Call Blocker' (Apple). If harassment continues, send a cease and desist letter using the template at eforms.com/cease-and-desist, or consult a harassment lawyer for further legal action.

You should also report the harassment to the FCC at fcc.gov/complaints, the FTC at ReportFraud.ftc.gov or DoNotCall.gov, and the CFPB at consumerfinance.gov/complaint. They provide updates, and the company has 15 days to respond.

Additionally, contact your phone carrier as some carriers offer tools and support for blocking harassment. For threats or obscene calls, report to your local police with all documented evidence.

To wrap things up, make sure you document the calls, block the number, report the harassment to the relevant authorities, and consult legal help if necessary. Taking these steps empowers you to effectively stop the harassment.

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

Should I Block Or Ignore 8004593186

You should block 8004593186. Blocking the number won't impact your credit score. If it's a debt collector, blocking them can prevent harassment and give you peace of mind.

Here’s what you can do:

1. Block the Number: This stops repeated calls.
2. Verify the Debt: Do not give out personal information. Legitimate collectors will provide written proof.
3. Credit Repair: Work with a reputable credit repair company to remove any inaccurate items on your credit report.

In the end, blocking the number, verifying the debt, and working with a credit repair company can help reduce stress and manage your finances effectively.

Can A Debt Collector Like 8004593186 Sue Me

Yes, a debt collector like 8004593186 can sue you, but it's unlikely. Suing is expensive and time-consuming for debt collectors, so they usually save this option for significant debts, often over $5,000. They also need strong evidence that verifies the debt's legitimacy, amount, and their legal right to collect it, which can be tricky if the debt has changed hands multiple times.

Debt collectors generally prefer to contact you via calls and letters because these methods are less costly. Remember, there's a statute of limitations in each state which could mean old debt is no longer legally enforceable.

If a debt collector does decide to sue, you'll receive a court summons and complaint. It's essential that you respond within the deadline to avoid a default judgment, which could result in wage garnishment or bank account levies.

You have rights under the Fair Debt Collection Practices Act (FDCPA) that prevent abusive or deceptive practices by debt collectors. If you receive a lawsuit, consider consulting an attorney to explore your options and defenses.

As a final point, it’s crucial that you stay informed about your rights and respond promptly to any legal notices to protect yourself.

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

8004593186 Might Have Your Personal Information

If 8004593186 is calling you, it might have your personal information and is likely a debt collector. Don't give them any more info. It's best if you don't even pick up; scammers can use anything you say to harm you. Let it go to voicemail if possible.

Here’s what we advise you to do:

- Ignore the Calls: Let calls from 8004593186 go to voicemail. Never share your personal info over the phone.
- Get Your Credit Report: You should get your 3-bureau credit reports to see what might be affecting your credit.
- Work with Professionals: Consider hiring a reputable credit repair company to handle any inaccuracies or disputes on your credit report.

Bringing it all together – ignore those calls, check your credit reports, and get professional help to protect your personal information and credit health. You’ve got this!

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

Types Of Debt Collected By 8004593186

8004593186 collects various types of debt primarily for personal, family, and household purposes. You might encounter them if you have delinquent credit card accounts, medical bills, personal loans, or unpaid utility bills. They work with original creditors to collect these debts or sometimes buy the debt themselves.

When dealing with 8004593186, it is important that you are aware of your rights under the Fair Debt Collection Practices Act (FDCPA). Their engagement must adhere to these regulations to ensure fair practices. You should never pay a debt without proper verification and should communicate in writing for records.

If you have any issues or complaints with 8004593186, we recommend you contact a consumer protection agency to file your complaint.

All things considered, understanding the types of debt collected by 8004593186 and knowing your rights can help you handle the situation better. Remember, you have options and resources to ensure fair treatment.

How Do I Check If I Owe Money To 8004593186

To check if you owe money to 8004593186, follow these steps:

First, don't contact them directly. Reaching out could restart the statute of limitations on old debts.

Check your records. Look for final bills, account statements, or equipment return receipts. These can help you verify the debt.

Get a copy of your credit report. Check for any debt listed under this number. Dispute any inaccurate negative items.

Send a debt validation letter to the collections agency if you find the debt on your credit report. They must provide proof that the debt is legitimate.

Consult a lawyer if you face harassment or dispute the debt. A consumer protection lawyer can help.

If contacted, ask for all company information and documentation about the debt. Genuine debt collectors will provide details without hesitation.

Lastly, gather as much documentation as you can before taking steps, ensuring the debt's validity while protecting your rights.

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

Which Debt Collection Laws And Regulations Protect Me From 8004593186

If you're dealing with debt collectors from the number 8004593186, several laws and regulations protect you. The Fair Debt Collection Practices Act (FDCPA) is the main federal law governing debt collection practices in the U.S. It applies to third-party collectors and prohibits abusive, deceptive, or unfair practices.

Key provisions include:
• Inconvenient Times: They can’t contact you before 8 AM or after 9 PM.
• Contact at Work: They can’t contact you at work if your employer prohibits it.
• Abusive Language: They can’t use obscene, profane, or abusive language.
• Harassment: They can’t repeatedly call with intent to harass.
• False Representation: They can’t falsely claim to be attorneys or government affiliates.

You have the right to receive a validation notice detailing the amount owed, the creditor, and your rights to dispute the debt. If you dispute the debt in writing within 30 days, they must verify it before continuing collection efforts. Additionally, many states have their own debt collection laws providing extra protections. For example, New York requires all debt collectors to be licensed.

If the debt collector violates any of these rules, you can report them to the Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), or your state attorney general. You also have the right to sue for FDCPA violations and recover damages and attorney fees.

Finally, make sure you know and assert your rights when dealing with debt collectors. If needed, you can demand they stop contacting you, which they must honor, except for specific exceptions like notifying you about legal actions.

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 8004593186/Midland Credit Management (Mcm) Have Any Lawsuits Against Them

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

You should know about these specific cases:
• Class Action in New York: This lawsuit claims MCM sent misleading and deceptive collection notices with false deadlines and legal threats.
• TCPA Class Action: Plaintiffs allege MCM violated the Telephone Consumer Protection Act by making repeated robocalls without prior consent. MCM settled this for $15 million.
• Case Against Elizabeth Rios: MCM sought a default judgment, which was denied due to procedural delays.

You should also be aware of these official complaints:
• Fair Debt Collection Practices Act Violations: MCM has a history of using aggressive and potentially deceptive practices.
• TCPA Violations: There are allegations that MCM used autodialers to make robocalls without consent.

In closing, you now have a clearer understanding of the legal challenges facing Midland Credit Management. This insight can help you make informed decisions if you need further assistance.

What Do People Online Say About 8004593186

People online have varied opinions about the phone number 8004593186, mostly negative.

From Robokiller:
- 'Fake phantom debt collection scam by madarchod criminals phoning from India. This is what the Federal Trade Commission calls a phantom debt collection scam.'

From 800notes.com:
- 'Debt collection scams are very common because many people carry debts, so it is easy for scammers to phish for gullible victims.'

From Spokeo:
- 'As a diligent investigator looking to get all data and decide for myself what is important to my case, Spokeo has set me leaps and bounds ahead of my peers in desktop investigation.'
- 'Thanks to Spokeo, I found out that I was dating a married man and it broke my heart. This website was very helpful indeed.'

From Nomorobo:
- 'It has saved us from answering countless phone calls from scammers and other nefarious companies.'

The consensus across these platforms shows that calls from 8004593186 are largely perceived as scam attempts, specifically related to fraudulent debt collections. Users have shared their experiences, emphasizing the frequency and nuisance of these robocalls. If you receive a call from this number, it is advisable to treat it with caution and consider blocking it to avoid potential scams.

Overall, many people report that calls from 8004593186 are likely scams, often related to fake debt collection, and suggest blocking the number to protect yourself.

Do I Really Need To Remove 8004593186 From My Credit Report

Yes, you should consider removing 8004593186 from your credit report if you confirm it is on your report and potentially inaccurate. Disputing it on your own can be time-consuming, often taking up to 30 days for each response.

Instead of handling this yourself, which can be exhausting, you should reach out to a reputable company for help. A good credit repair company, like The Credit Pros, can save you time and effort and significantly increase your chances of successfully removing these items.

Hiring your typical credit repair company is not recommended as most don't have a good track record and are often poorly rated. Make sure you choose a trustworthy company.

In summary:

• Confirm the collection is on your report and it's potentially inaccurate.
• Avoid disputing it on your own due to the effort involved.
• Seek help from a reputable credit repair company, like The Credit Pros.

As a final point, make sure you verify the accuracy, avoid the hassle of doing it alone, and get professional help from a trusted credit repair company.

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

Here are other formats 8004593186 can be written

- +1 800-459-3186
- +1 (800) 459-3186
- +1 800 459 3186
- (800) 459-3186
- 800-459-3186
- 800.459.3186
- 800 459 3186
- +18004593186
- (800) 459-3186
- 800.459.3186
- 8004593186

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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