Home / Who is 8007727153 (+ how are they hurting my credit score)

Who is 8007727153 (+ how are they hurting my credit score)

  • Phone number 8007727153 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

The number 800-772-7153 might be Midland Credit Management (MCM), a known debt collector, or it could be a scam. If you keep getting calls from this number, they probably bought one of your outstanding debts and are trying to collect it. Blocking the number won't solve the problem; it's just a quick fix.

Ignoring the calls might seem easier, but you need to tackle the root cause. The best step is to call The Credit Pros at the number above. We'll have a simple, pressure-free chat to review your 3-bureau credit report and verify if it's really a debt collector. You might also discover other items affecting your credit score.

We’ve helped countless people like you remove potentially inaccurate items from their credit reports. This often boosts credit scores and improves overall financial health, and it stops the harassing calls. Take control of your financial situation today – it’s urgent and definitely worth it.

Who Is 8007727153: Scam Or Legitimate

The number 800-772-7153 could be either from a legitimate debt collection agency or a scam. Sometimes Midland Credit Management (MCM) is linked to this number, but scammers frequently spoof it. You shouldn't engage with the caller. Instead, check your credit report for any suspicious or inaccurate items. If you're uncertain about the debt, do not pay immediately. We advise you to call us for a free 3-bureau credit report evaluation. Our team at The Credit Pros can help you verify debts, dispute inaccuracies, and improve your financial situation.

Follow these steps to protect yourself:

• Do not provide personal or financial information over the phone.
• Block the caller if you suspect a scam.
• Analyze your credit report for potentially inaccurate negative items.

To sum up, it's crucial that you do not engage directly with suspicious calls. Check your credit report, block dubious numbers, and reach out to us for a thorough evaluation to safeguard your credit and financial well-being.

How Do I Stop 8007727153 From Harassing Me (How To Report Them)

To stop 8007727153 from harassing you, follow these steps:

First, document all unwanted interactions by keeping a detailed log of all call times, dates, and the caller's language or threats. Register your number at DoNotCall.gov. This simple step takes just 2 minutes. Then, block the number on your phone using the built-in call-blocking feature or tools provided by your service provider.

Consider escalating measures if the calls persist. You might need a restraining order for added protection. Consulting a harassment lawyer can provide personalized advice based on federal and state laws. Sending a cease and desist letter can also be an effective measure; use templates available at eforms.com/cease-and-desist.

To further protect yourself, utilize apps for blocking calls:
- For Android: Use 'Call Blocker - Stop Spam Calls'.
- For Apple: Use 'Robokiller: Spam Call Blocker'.

Additionally, you should report the number to the Federal Communications Commission (FCC) via fcc.gov/complaints and the Federal Trade Commission (FTC) at ReportFraud.ftc.gov.

Contact your phone carrier to explore specific call-blocking tools and options they offer. Local or state consumer protection offices might also provide additional resources or complaint mechanisms.

Lastly, if you use Nomorobo, report unwanted robocalls directly through their platform.

To wrap things up - by documenting the harassment, registering on DoNotCall, blocking the number, considering legal measures, and reporting to authorities, you can effectively mitigate and report the harassment from 8007727153.

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

Should I Block Or Ignore 8007727153

You should block the number 8007727153 to prevent further harassment and stress from debt collectors like Midland Credit Management (MCM). If you ignore them, you might receive continuous calls that disrupt your day and potentially escalate collection efforts.

Blocking the number won’t lower your credit score. If the collection is already on your credit report, blocking them won't affect it further. To handle this efficiently, here’s what we advise you to do:

• Block the number to stop the calls.
• Work with a reputable credit repair company to handle any inaccuracies or disputes on your credit report.
• Keep clear records of all communication.

Blocking is generally safer, reducing stress and giving you control over the situation.

In the end, you should block the number and work with a credit repair company to effectively manage and clear up your credit report issues.

Can A Debt Collector Like 8007727153 Sue Me

Yes, a debt collector like 8007727153 can sue you, but it's rare. They usually sue only if the debt is substantial, typically over $5,000. They need to prove you owe the debt, the amount is correct, and they have the legal right to collect, which can be challenging if the debt has changed hands.

Debt collectors prefer other methods like calls and letters because suing is expensive and time-consuming. They turn to legal action as a last resort. Each state has a statute of limitations on how long they can legally sue you, so if the debt is old, it might be beyond this period.

If they do decide to sue, you will receive a court summons and must respond to avoid a default judgment. Not responding could lead to wage garnishment or bank account levies. You have rights under the Fair Debt Collection Practices Act (FDCPA) that protect you from abusive practices. It's crucial that you understand these rights and consult an attorney if sued to understand your options and defenses.

Key Points to Keep in Mind:
• They need to prove the debt.
• Suing is costly and a last resort.
• State laws limit how long they can sue.
• You must respond to any court summons promptly.
• You have protections under the FDCPA.

As a final point, it's vital that you know your rights, respond to any legal notices, and seek professional advice to navigate interactions with debt collectors effectively.

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

8007727153 Might Have Your Personal Information

8007727153 might have your personal information, so don't provide any details if they call. It's crucial that you don't pick up their calls because engaging can make things worse and possibly lead to giving away more sensitive data.

Instead, here’s what we advise you to do:

• Obtain your 3-bureau credit report: Check your credit reports from Experian, Equifax, and TransUnion. Look for any suspicious activity or accounts you don't recognize.
• Build a comprehensive plan to improve your credit: Dispute errors, pay off debts, and build a positive credit history.
• Work with a reputable credit repair company: They have the experience to handle inaccuracies and disputes on your credit report. This can save you time and reduce stress.

Bringing it all together-by following these steps, you can protect your personal information and work towards improving your credit health.

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

Types Of Debt Collected By 8007727153

You may wonder what types of debt are collected by 800-772-7153. They usually handle credit card debt, personal loans, auto loans, and student loans. These debts often come from original creditors or debt buyers who have purchased the debt.

• Credit card debt
• Personal loans
• Auto loans
• Student loans

If you need more help, we’re here to assist you.

All things considered, understanding the types of debt collected by 800-772-7153 can help you better manage your financial situation, and we're always here to support you.

How Do I Check If I Owe Money To 8007727153

To check if you owe money to 800-772-7153, follow these steps:

1. Do Not Call Directly: Avoid contacting the number directly since this can restart the statute of limitations on old debts.

2. Check Your Records: Look through any final bills, account statements, or equipment return receipts you have. These documents can help confirm any outstanding debt.

3. Credit Reports: Review your credit reports for any accounts associated with Midland Credit Management (MCM). You can get a free copy from AnnualCreditReport.com.

4. Debt Validation: If you find a debt on your credit report, request debt validation from MCM in writing. This forces them to provide proof that the debt is yours and the amount is correct.

5. Consult a Lawyer: If you are harassed or face issues over disputed debts, consider consulting a consumer protection lawyer.

Lastly, by gathering all relevant documents and following these steps, you can determine if you owe money to 800-772-7153 without compromising your legal 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 8007727153

You're protected by several key debt collection laws and regulations from a debt collector like 8007727153. The main law is the Fair Debt Collection Practices Act (FDCPA), which prohibits third-party debt collectors from using abusive, deceptive, or unfair practices.

Here's what it covers:

• Prohibited Conduct: Collectors can’t call you before 8 AM or after 9 PM, use abusive language, make threats, harass you by calling repeatedly, misrepresent themselves, demand illegal amounts, or disclose your debt to third parties.
• Required Disclosures: Collectors must send you a written notice detailing the amount owed, the creditor's name, and inform you of your right to dispute the debt within 30 days. If you dispute the debt, they must provide verification and can't continue collecting until they do.
• Consumer Rights: You can demand they stop contacting you in writing, and if they violate the FDCPA, you can sue them within one year and seek damages.

In addition to federal laws, some state laws may offer extra protections. For example, some states require debt collectors to be licensed. If a collector violates these rules, you can report them to agencies like the FTC, CFPB, and your state attorney general.

Finally, always be informed about your rights and take action if a debt collector oversteps their boundaries to protect yourself.

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 8007727153/Midland Credit Management (Mcm) Have Any Lawsuits Against Them

Yes, Midland Credit Management (MCM) does have lawsuits against them. Here are some examples you might find relevant:

1. Midland Credit Management, Inc. v. Elizabeth Rios: Midland sought a default judgment for an unpaid debt, but the court dismissed the case due to the plaintiff's failure to file a timely motion for default judgment. (Case Citation: MIDLAND CREDIT MANAGEMENT, INC. v. Elizabeth RIOS, Index No. CV-000116-20/RI, decided June 9, 2022).

MCM also faces a significant number of official complaints related to their debt collection practices:

• Better Business Bureau Complaints: In the past three years, there have been 264 complaints against MCM, with 105 of those filed in the last year.
• Consumer Complaints: Many consumers have reported aggressive collection tactics and harassment to regulatory bodies.
• Government Regulators: MCM has been named in regulatory actions for not adhering to debt collection laws and procedures.

If you need help navigating your situation with MCM, consider seeking legal advice or protection from a consumer-law practice.

In closing, MCM has faced legal actions and multiple complaints regarding their collection methods. You might want to seek professional advice to handle any disputes you have with them effectively.

What Do People Online Say About 8007727153

People online have various opinions about calls from 800-772-7153. Here are some specific quotes from Reddit users:

- 'Fake phantom debt collection scam, using MCM's phone number to appear real. I have zero debts, so I am confident on not answering their calls!' – March 29, 2024.
- 'Asking for the wrong person, not me.' – January 21, 2024.
- 'Midland Credit Management' – January 15, 2024.
- 'Scam collection call' – December 28, 2023.
- 'Unsolicited call. I did not answer the call and they left no message.' – November 21, 2023.
- 'Fake phantom debt collection scam by madarchod criminals phoning from India.' – Federal Trade Commission mentions this as a phantom debt collection scam where scammers impersonate entities like banks or debt collectors to trick people into paying fake debts.

You might notice the overall sentiment is mostly negative, with many people suggesting that the calls are part of a scam. Common themes include calls for debts that don’t exist, calls asking for the wrong person, and general suspicion about the authenticity of the calls.

Overall, you should exercise caution and verify the legitimacy of any debt collection call you receive.

Do I Really Need To Remove 8007727153 From My Credit Report

Yes, you should definitely remove 8007727153 from your credit report if it's potentially inaccurate. Clearing up such discrepancies can boost your credit score and tidy up your credit history.

Handling this dispute on your own can be time-consuming and tedious. Instead, consider reaching out to a reputable credit repair company like The Credit Pros to save time and increase your chances of success. Be wary of typical credit repair companies as many can be deceptive and ineffective.

You also have the legal right to dispute inaccuracies directly with credit bureaus and the companies providing the information at no cost. This approach ensures fair and accurate reporting.

As a final point, tackling inaccurate details on your credit report can benefit your financial health. Consider professional assistance and remember your rights to dispute directly.

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

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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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