Who is 8009145582 (+ how are they hurting my credit score)

8009145582 is related to a debt collection agency. However, you need to be cautious as it could also be a scam. Don't engage with the caller directly. Instead, check your credit report for any inaccurate or negative items.

You might see Midland Credit Management on your report, indicating the call could be legitimate, but do not respond directly. You aren't obligated to pay immediately. We advise you to get a free 3-bureau credit report evaluation from us to verify any debt and dispute inaccuracies.

Keep these key tips in mind:
• Do not provide personal information over the phone.
• Report any suspicious calls to the Federal Trade Commission (FTC).
• Block the number to avoid further calls.

We’ve helped hundreds of thousands with similar issues and can assist in improving your financial situation.

To sum up, always be cautious and verify the debt through a proper credit report evaluation. Don't pay or share personal details over the phone, report suspicious calls, and block the number to protect yourself. Stay vigilant!

To stop 8009145582 from harassing you, document all unwanted interactions. Keep a detailed log with dates, times, and any abusive language used.

First, register at DoNotCall.gov, then block their number using your phone’s call-blocking feature or contact your service provider for help.

If the problem persists:

• Consider a restraining order if calls or threats escalate.
• Hire a harassment lawyer since harassment is against Federal and State laws.
• Send a cease-and-desist letter using the template at eforms.com/cease-and-desist.

You can also use call-blocking apps:

• Android: 'Call Blocker - Stop spam calls'
• Apple: 'Robokiller: Spam Call Blocker'

File a complaint with the Federal Communications Commission (FCC) if the call was illegal, your number is being spoofed, or you received any other unwanted call. Visit fcc.gov/complaints and provide details such as the number, date, and time of the call.

To stop telemarketing calls, report to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov for calls ignoring the Do Not Call Registry.

Lastly, reach out to the Consumer Financial Protection Bureau (CFPB):

• Document interactions with dates, times, and details of the communication.
• Submit a complaint online at consumerfinance.gov/complaint, or call (855) 411-2372 for help in over 180 languages.
• You can also mail a detailed letter to CFPB at 1700 G Street, NW, Washington, DC 20552, Attention: Chief Privacy Officer.

To wrap things up - you should document all interactions and use call-blocking methods, contact the FCC or FTC, and consider legal action if necessary. We hope these steps help you stop the harassment and regain your peace of mind.

You should block 8009145582 immediately. Blocking the number won't hurt your credit score. If you think it's from a debt collector and it's harassing you, blocking them can significantly reduce your stress.

If you ignore calls from this number, they can keep trying to reach you, which is frustrating. Blocking prevents them from contacting you again through that number, making it an effective way to stop unwanted calls.

Working with a reputable credit repair company can help you fix any errors related to this debt collector on your credit report. By blocking the call and letting professionals handle the issue, you can focus on reducing stress and improving your credit.

In the end, you should block 8009145582 to avoid harassment, rest easy knowing it won't impact your credit, and consider hiring a credit repair company to resolve any inaccuracies.

Yes, a debt collector like 8009145582 can sue you, but it’s usually rare. They tend to sue when the debt is significant, often over $5,000, and they need to prove the debt is valid and that they have the right to sue. Legal action is expensive and time-consuming, so debt collectors prefer to settle outside of court if possible.

There's a time limit called the statute of limitations that varies by state, restricting how long they can sue you for an old debt. If they do sue you, you'll receive a court summons. You must respond to avoid a default judgment, which could lead to wage garnishment or bank levies.

You have rights under the Fair Debt Collection Practices Act (FDCPA), protecting you from deceptive practices. If you are sued, consider consulting with an attorney to understand your options and defenses.

As a final point, remember that while being sued by a debt collector like 8009145582 is possible, it's unlikely without substantial debt. Know your rights, respond to any court summons, and consider legal advice to navigate the situation effectively.

If you get a call from 800-914-5582, you should know that it might be a debt collector. Do not provide any personal information. Instead, we advise you to avoid picking up their calls. Engaging won't change what you should do next.

To take control, you should:
• Get your 3-bureau credit report.
• Build a comprehensive credit improvement plan.
• Consider working with a reputable credit repair company.

You should also block the number to reduce stress and focus on your financial health.

Bringing it all together - avoid interacting with 800-914-5582, get your credit report, craft a solid credit plan, and consider professional help while reducing stress by blocking the number.

8009145582 is a number linked to Midland Credit Management (MCM). This company collects various types of debt that you might owe. They handle:

• Credit card debts.
• Personal loans, including auto loans.
• Medical bills.
• Utility bills.

MCM typically buys delinquent debt from original creditors at a reduced price. After that, they try to recover the full amount from you. If you fall behind on these payments, you might hear from them using this number.

All things considered, if you owe credit card debts, loans, medical bills, or utility bills, expect 8009145582 to contact you.

To check if you owe money to 800-914-5582, you shouldn't contact the number directly. Instead, here’s what we advise you to do:

First, check your records. Look through your final bills, account statements, or receipts related to any debts. This can give you a clear picture of what you owe.

Next, review your credit report. You can get a free credit report every year from each of the three major credit bureaus. This report will show if the debt appears on your record.

If the debt is on your report but seems unfamiliar, request debt validation. Write to the collection agency and ask them to provide evidence that the debt is indeed yours. This is your right under the law.

Lastly, if you're being harassed or there's a dispute, consider consulting a consumer protection lawyer. They can advise you on your rights and what steps to take.

Lastly, remember to gather all documentation from your records and credit reports before making any decisions. This proactive approach can help you avoid incorrect collection efforts.

To protect yourself from debt collection practices by companies like Midland Credit Management (MCM), you are safeguarded by several laws and regulations, including:

Fair Debt Collection Practices Act (FDCPA):

- Abusive Practices: Debt collectors cannot use abusive, deceptive, or unfair techniques.
- Prohibited Times: Debt collectors can't contact you before 8 AM or after 9 PM.
- Work Contact: They can't call you at work if your employer disallows it.
- Harassment: Repeated calls to annoy or abuse you are banned.
- False Claims: They can't falsely claim to be lawyers or government officials.
- Disclosure to Others: They can't tell others about your debt.

Required Disclosures:

- Validation Notice: The collector must send you a written notice with details of your debt, including the amount owed and the creditor’s name.
- Dispute Rights: If you dispute the debt in writing within 30 days, the collector must verify it before resuming collection efforts.

Consumer Protections:

- Stop Communication: You can ask the collector to stop contacting you in writing, except for specific notifications such as confirming no further contact or notifying of legal actions.
- Attorney Representation: If you have an attorney, collectors must communicate with your attorney.

State Laws:

- Many states provide additional protections beyond the FDCPA. For example, New York requires debt collectors to be licensed.

If the debt collector violates these laws, you can:

- Sue the Collector: You can file a lawsuit for violations and recover damages.
- Report Violations: File complaints with the FTC, CFPB, or your state attorney general.

Finally, knowing your rights can help you handle interactions with debt collectors confidently and protect you from unfair treatment.

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

In 2020, the Consumer Financial Protection Bureau sued MCM for 'suing consumers without possessing required documentation' and 'suing consumers to collect debts even though the statutes of limitations had run.' Additionally, a class action lawsuit in the United States District Court for the Northern District of Illinois claimed MCM violated the Fair Debt Collection Practices Act by sending a debt collection letter with 'TIME SENSITIVE DOCUMENT' on the envelope, allegedly breaching FDCPA regulations.

MCM has also received numerous consumer complaints. The Better Business Bureau records 264 complaints against MCM in the past three years, including 105 in the past year.

If Midland Credit Management contacts you, they must follow specific legal guidelines and cannot harass or threaten you.

In closing, lawsuits and complaints against Midland Credit Management highlight ongoing legal and consumer issues. Stay informed and know your rights if they contact you.

A Reddit user named amar_i_am mentioned they received a call from 800-914-5582 with a message claiming to be from Midland Credit Management. While it sounded legitimate, they felt suspicious.

On Robokiller, someone shared their frustrations:
• 'Calls on Sunday morning at 9 AM. Classy place.'
• 'Fake Midland Credit phantom debt collection scam by madarchod criminals phoning from India.'

Another Reddit user, lifeinabubble57, reported that this number calls them almost daily. Even after blocking the number, the calls persist.

If you're receiving calls from 800-914-5582, it's likely related to Midland Credit Management, although some doubt its legitimacy. Users like you should be cautious due to reports of potential scam tactics and frequent, early calls.

Overall, the mix of genuine-looking calls and scam suspicions highlight the need for vigilance if you get calls from 800-914-5582.

Do you really need to remove 8009145582 from your credit report? If you confirm it’s there and identify it as 'potentially inaccurate,' you should consider disputing it.

Dealing with such issues on your own can be time-consuming and stressful. Instead, contacting a reputable credit repair company like The Credit Pros can save you time and effort. Be cautious, though, as many credit repair companies have poor ratings and can be deceptive.

Here’s what you should do:
• Confirm the collection is on your report and check if it’s potentially inaccurate.
• Avoid poorly rated, typical credit repair companies.
• Consider reputable credit repair services like The Credit Pros to handle disputes.

As a final point – ensure you confirm any inaccuracies on your report and choose a reputable firm like The Credit Pros to help you dispute them efficiently.

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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