Home / Who is 8009398164 and why are they calling me?

Who is 8009398164 and why are they calling me?

  • Phone number 8009398164 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

If you’re getting calls from 8009398164, you’re likely dealing with Midland Credit Management, a debt collection agency. Many people report these calls as frequent and harassing, making you feel frustrated and stressed. Blocking the number is a good first step, but it’s not enough.

Verify their claims and keep an eye on your credit report for any suspicious activity. Avoid direct contact with 8009398164 to prevent restarting any statute of limitations on old debts. Instead, request written verification of the debt and get a free, thorough 3-bureau credit report evaluation to find any inaccuracies or scams.

The Credit Pros can help you through this process, ensuring you restore your credit health. Give us a call at the number above for a simple, no-pressure conversation. We’ll evaluate your situation thoroughly and work to remove such issues from your credit report, turning a stressful situation into an opportunity for financial improvement. Don’t wait; let’s fix this together!

Who Is 8009398164: Scam Or Legitimate

You're likely dealing with a scam from 8009398164. This isn't your typical debt collector, and we've seen this before. Here's what you need to know:

• Don't engage with the caller. It's probably a phantom debt scam trying to trick you.
• You're not obligated to pay anything, especially if you're unsure about the details.
• You should block the number to stop future calls.

We recommend that you take these steps:

• Get a free 3-bureau credit report evaluation from us.
• We'll check for any suspicious negative items hurting your score.
• If MCM shows up as a collection, it might be legitimate, but you still shouldn't respond.

The Credit Pros can help you:

• Verify any supposed debt
• Challenge potentially inaccurate negative items
• Boost your financial outlook

Remember, you're not alone in this. We've helped many people deal with similar spam calls. Let's work together to tackle this issue and get your finances back on track. To finish up, you should focus on blocking the number, getting your credit report checked, and reaching out to us for support. We're here to help you navigate this tricky situation and improve your financial health.

How Do I Stop 8009398164 From Harassing Me (How To Report Them)

To stop 8009398164 from harassing you, here's what we advise you to do:

Start by documenting every call you receive. Keep a log with dates, times, and details of each unwanted contact. This information will be crucial if you need to take legal action later.

Next, you should register your number at DoNotCall.gov. This is a simple step that can help reduce unwanted calls. You should also block the number through your phone's call-blocking feature or by contacting your service provider.

If the harassment continues, you have several options:

• You can get a restraining order. This legally prohibits the harasser from contacting you.
• You might consider hiring a harassment lawyer. They can guide you based on Federal and State laws.
• You can send a cease and desist letter using a template from eforms.com/cease-and-desist/.

We recommend using call-blocking apps to further protect yourself. If you have an Android phone, try 'Call Blocker - Stop spam calls'. For Apple users, 'Robokiller: Spam Call Blocker' is a good option.

You should also report this harassment to federal authorities. Here's how:

• File a complaint with the FCC at fcc.gov/complaints if it's an illegal robocall or number spoofing.
• Report telemarketing calls to the FTC at ReportFraud.ftc.gov.
• Submit a complaint to the CFPB at consumerfinance.gov/complaint or call (855) 411-2372.

Don't forget to check with your phone carrier about call-blocking tools or services they offer. You might also find additional resources through your local or state consumer protection offices.

To finish up, remember that you're not alone in this. By following these steps, you're taking control of the situation and protecting yourself from further harassment. Stay strong and persistent – you've got this!

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

Should I Block Or Ignore 8009398164

Yes, you should block 8009398164. Here's why:

You'll stop potential harassment from Midland Credit Management (MCM) when you block this number. Blocking won't hurt your credit score - any damage is already done if it's on your report. You'll gain peace of mind and reduce stress by taking this step.

We understand dealing with debt collectors is tough. Don't worry - it's totally okay for you to block them. In fact, we recommend you do it. Here's what we advise you to do next:

• Block the number on your phone
• Don't engage with them directly
• Work with a credit repair company to handle disputes

A good credit repair firm can help you remove inaccurate items from your report. They'll deal with MCM so you don't have to. This approach lets you take control and move forward.

You're not alone in this. We're here to support you through the process. To finish up, remember that by blocking the number and getting expert help, you're taking positive steps to improve your financial situation. You've got this!

Can A Debt Collector Like 8009398164 Sue Me

Yes, a debt collector like 8009398164 can sue you, but it's unlikely. They typically only sue for significant debts, usually over $5,000. Here's what you need to know:

You're protected by the statute of limitations in your state, which limits the time a collector can sue you. If your debt is old, they might not be able to take legal action.

Suing is expensive and time-consuming for collectors. They prefer to settle out of court to avoid these costs. If they do decide to sue, you'll receive a court summons. It's crucial that you respond within the deadline to avoid a default judgment.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). Here's what we advise you to do:

• Verify the debt: Ask for proof that you owe the amount they claim.
• Check the statute of limitations: Make sure the debt isn't too old for legal action.
• Respond to any summons: Don't ignore legal notices, as this can lead to wage garnishment.

If a collector contacts you, stay calm. You don't have to engage in conversation or provide personal information. Instead, request all communication in writing. This helps you keep a record and reduces harassment.

To finish up, remember that while a debt collector can sue you, it's not their first choice. You have rights and options. If you're worried about potential legal action, consider consulting with a consumer protection attorney. They can help you understand your specific situation and guide you through the process.

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

8009398164 Might Have Your Personal Information

If 8009398164 calls you, don't pick up. You risk exposing your personal information to this debt collector. Instead, we advise you to take these steps:

First, you should obtain your 3-bureau credit report. This comprehensive view of your finances will help you spot any issues that need addressing. It's crucial that you understand your current credit situation before taking any action.

Next, consider working with a reputable credit repair company. These experts can effectively handle inaccuracies and disputes on your credit report. You'll benefit from their knowledge in building a stronger credit profile.

Remember, you're in control of your financial health. Here's what we recommend:

• Block the number to stop unwanted calls
• Review your credit report for discrepancies
• Seek professional help to improve your credit score

To finish up, you should focus on protecting your personal information and improving your credit health. By taking these proactive steps, you'll be on your way to a more secure financial future.

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

Types Of Debt Collected By 8009398164

You might be wondering what types of debt 8009398164 collects. They primarily handle various forms of overdue debt for federal agencies and state governments. Here's what you need to know:

• Unpaid Loans: You might have overdue personal or student loans they're trying to collect.
• Overpayments: If you've received excess benefits or services, they'll work to recover that money.
• Fines and Penalties: Any unpaid legal fines or penalties could be on their list.
• Child Support Obligations: They also collect overdue child support payments.

You should expect them to use methods like wage garnishment and reporting to credit bureaus as part of their collection efforts. It's crucial that you understand your rights when dealing with this agency.

We advise you to verify any debt before making payments. You should explore options for managing your debt effectively if you're struggling to pay. Remember, you have the right to request debt verification and dispute any inaccuracies.

To wrap things up, if you've received a call from 8009398164, don't panic. You now know what types of debt they collect and how to handle the situation. Take a deep breath, verify the debt, and consider seeking professional advice if you're unsure about your next steps.

How Do I Check If I Owe Money To 8009398164

If you're wondering whether you owe money to 8009398164, you can take several steps to find out. Here's what we advise you to do:

First, check your personal records. Look through your bills, account statements, and receipts to see if you've missed any payments. This will give you a good starting point.

Next, you should request debt validation if you spot a debt from this number on your credit report. This way, you can confirm if the debt is actually yours.

It's also crucial that you review your credit reports from Experian, Equifax, and TransUnion. These reports will show most of your debts, including those sent to collections.

After you've gathered this information, compare what you find in your credit reports with your personal records and any collection letters you've received. This cross-referencing will help you get a clearer picture.

Here are some important points to keep in mind:

• Don't contact the number directly. This could restart the statute of limitations on old debts.
• If you're dealing with harassment or disputed debts, you should consider talking to a consumer protection lawyer.
• Check your state's unclaimed property office. Sometimes, owed money can be in the form of unclaimed funds.

Remember, it's crucial that you gather as much information as possible before reaching out to any debt collectors. This will help you avoid unnecessary complications.

To finish up, you should approach this situation step-by-step: check your records, validate any debts, review your credit reports, and seek legal advice if needed. We understand this can be stressful, but by following these steps, you'll be well-equipped to handle the situation.

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

Which Debt Collection Laws And Regulations Protect Me From 8009398164

You're protected from debt collector 8009398164 by several key laws, primarily the Fair Debt Collection Practices Act (FDCPA). This federal law prohibits abusive, deceptive, or unfair practices by debt collectors. You have the right to be free from harassment, threats, and false representations.

Under the FDCPA, debt collectors can't contact you at inconvenient times or places. They must provide you with a validation notice detailing the debt and your rights. If you dispute the debt in writing within 30 days, they must verify it before continuing collection efforts.

You can request that the collector stops contacting you entirely. If you have an attorney, the collector must communicate with them instead of you. Remember, you can sue for FDCPA violations within one year to recover damages and attorney fees.

• You can report violations to the FTC, CFPB, or your state attorney general.
• Check your state laws for additional protections beyond the FDCPA.
• Keep detailed records of all communications with the debt collector.

We understand dealing with debt collectors can be stressful. To finish, remember you have strong legal protections against unfair practices. Don't hesitate to assert your rights and seek help if you feel the collector is overstepping bounds. You've got this!

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 8009398164/Have Any Lawsuits Against Them

No lawsuits have been found specifically against 8009398164. However, Midland Credit Management (MCM), associated with this number, has faced multiple lawsuits related to debt collection practices.

You should be aware of two notable lawsuits against MCM:

• Oliva v. Midland Credit Management, Inc.: This case alleged violation of the Fair Debt Collection Practices Act (FDCPA) due to MCM's misleading communication regarding debt collection.

• Erickson v. Midland Credit Management, Inc.: Another FDCPA violation case where the plaintiff accused MCM of improper debt collection practices and harassment.

Additionally, you should know about official complaints filed against MCM:

• Consumer Financial Protection Bureau (CFPB) Complaints: Numerous consumers have filed complaints regarding aggressive and harassing debt collection practices.

• Better Business Bureau (BBB) Complaints: Reports have been made about MCM's failure to validate debts and improper communication methods.

If you're concerned about debt collection practices, we advise you to contact a legal advisor or consumer rights organization for support. To finish up, remember that you have rights when it comes to debt collection, and you shouldn't hesitate to seek help if you feel you're being treated unfairly.

What Do People Online Say About 8009398164

People online have shared various comments about 8009398164 on Reddit. You'll find a mix of experiences and reactions:

• Some users report frequent calls from this number, often with no one on the line when they answer.
• Others identify it as Midland Credit Management, a debt collection agency.
• Many express frustration with the persistent calls and skepticism about the legitimacy of the debt claims.

You might be getting calls about a supposed debt, but don't worry if you're unsure about its validity. It's crucial that you approach this situation carefully. We advise you not to engage directly or provide any personal information over the phone.

Instead, here's what we recommend you do:

1. You should block the number to stop the constant disruptions.
2. Request written verification of the debt. This is your right under the Fair Debt Collection Practices Act.
3. Check your credit report for any inaccuracies. You can dispute any errors you find.

We understand dealing with debt collectors can be stressful. Remember, you're not alone in this. Many people face similar situations, and there are ways to handle it effectively. To finish up, you should focus on protecting your information, verifying any claims, and addressing any legitimate debts responsibly. We're here to support you through this process.

Do I Really Need To Remove 8009398164 From My Credit Report

Yes, you really need to remove 8009398164 from your credit report if it's potentially inaccurate. Most credit repair companies are ineffective, so avoid hiring them. Disputing on your own can be time-consuming and draining. Instead, you can save yourself hours by reaching out to a reputable company like The Credit Pros for help.

We understand dealing with collections is stressful. Here's what we advise you to do:

• Check if the collection is actually on your report
• Verify if it seems potentially inaccurate
• Steer clear of shady credit repair services
• Don't waste your time disputing solo

A good credit repair company (though rare) can make a huge difference for you. We can handle inaccuracies and disputes on your behalf, saving you major hassle.

You should block the number to reduce your stress. Then let us help you clean up your credit so you can move forward with less worry. We've got your back through this process.

To wrap things up, remember you need to verify the collection, avoid scams, and get expert help to clean up your credit effectively. We're here to support you every step of the way.

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

Here are other formats 8009398164 can be written

- +1 800-939-8164
- +1 (800) 939-8164
- +1 800 939 8164
- (800) 939-8164
- 800-939-8164
- 800.939.8164
- 800 939 8164
- +18009398164
- (800) 939-8164
- 800.939.8164
- 8009398164

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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