Home / Who is 8773661520 (+ how are they hurting my credit score)

Who is 8773661520 (+ how are they hurting my credit score)

  • Phone number 8773661520 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 calls from 877-366-1520 have been ringing your phone, Midland Credit Management (MCM) is likely behind it. They might have bought an old debt of yours and are now trying to collect it. Blocking or ignoring their calls might give you a break, but it won't fix the problem long-term.

Midland Credit Management, or someone working for them, could be collecting various debts, like credit card balances or medical bills. Ignoring them won't make the debt go away and could leave incorrect items on your credit report, hurting your score. Verifying the debt before talking to them is key.

Take control by calling The Credit Pros at the number above. We provide a free credit report evaluation to find and dispute any wrong information. We've helped many people improve their credit scores and stop these annoying calls. Don't wait-reach out to us today for expert help.

Who Is 8773661520: Scam Or Legitimate

The number 877-366-1520 is associated with Midland Credit Management (MCM), a debt collection agency. However, you should be cautious. Whether it's legitimate or a scam call, you shouldn't engage directly.

• Do not talk to the caller or share any personal information.
• Verify any debts. You aren't obligated to pay immediately if you have doubts. Check your credit report for any negative items first.
• You can call us for a free 3-bureau credit report evaluation to identify any inaccuracies.
• If you find any debt related to MCM, we can help you verify it and dispute potentially inaccurate items.

To sum up, protect your financial info by not engaging directly, verify any debts on your credit report, and get a free credit report evaluation to handle any disputes or inaccuracies.

How Do I Stop 8773661520 From Harassing Me (How To Report Them)

Here’s how you can stop 877-366-1520 from harassing you and report them:

First, you need to document all unwanted interactions by logging calls, including dates, times, and any abusive language. Then, register your number at DoNotCall.gov. Use your phone's call-blocking feature or ask your service provider to help you block the number.

If the calls persist, consider taking escalating measures:
• Restraining Order: Get a restraining order if calls continue or threats escalate.
• Harassment Lawyer: Hire a lawyer to sue under the Fair Debt Collection Practices Act (FDCPA).
• Cease and Desist: Send a cease and desist letter using a template like the one at eforms.com/cease-and-desist.

You can also use apps to block the calls:
• Android: 'Call Blocker - Stop spam calls'
• Apple: 'Robokiller: Spam Call Blocker'

Reporting the calls is crucial:
• FCC: Report illegal robocalls or spoofing at fcc.gov/complaints.
• FTC: Report telemarketing calls or Do Not Call violations at ReportFraud.ftc.gov or DoNotCall.gov.
• CFPB: Submit a complaint online at consumerfinance.gov/complaint or call (855) 411-2372.

You can also report unwanted robocalls through Nomorobo if you use their service. Additionally, check with your phone carrier for any extra call-blocking tools they offer, and explore complaint options with your local or state consumer protection office.

To wrap things up, document your calls, use options like the Do Not Call Registry, apps, and possibly legal measures, and report the harassment to FCC, FTC, CFPB, and your phone carrier. Taking these steps will help you stop and report the harassment from 877-366-1520 effectively.

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

Should I Block Or Ignore 8773661520

You should block and ignore 877-366-1520. Blocking the number won't harm your credit score. If the caller is indeed a debt collector, ignoring them may stop potential harassment. However, it is crucial that you address any inaccuracies on your credit report by working with a reputable Credit Repair company, which can help you remove inaccurate negative items from your report.

Here are key actions you should take:

• Block the number to prevent further harassment.
• Ignore the calls to avoid stress.
• Consult a reputable Credit Repair company to address any inaccuracies on your credit report.

Blocking and ignoring the calls doesn't affect your credit score by itself. If the debt is already on your credit report, it can't further harm your score.

In the end, blocking the number and ignoring the calls reduces stress, while consulting a Credit Repair company ensures you handle any credit inaccuracies correctly.

Can A Debt Collector Like 8773661520 Sue Me

Yes, a debt collector like 8773661520 (Midland Credit Management) can sue you, but it’s very unlikely. Suing is usually the last resort and typically happens only when your debt exceeds $5,000. The debt collector must prove that you owe the debt, the amount is correct, and they have the legal right to sue. Since lawsuits are expensive and time-consuming, collectors often prefer to settle out of court.

If other collection methods like calls and letters fail, a debt collector might consider suing. If they decide to take legal action, you will receive a court summons and complaint. You must respond within the deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies. However, lawsuits are rare.

Each state has a statute of limitations defining the time frame within which a lawsuit can be filed. If your debt is old, it might be beyond this period, reducing the likelihood of a lawsuit.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). If you receive a lawsuit, consulting with an attorney can help you understand your options and defenses.

- Debt collectors usually sue as a last resort.
- They need to prove the debt is valid.
- Lawsuits are costly and time-consuming for them.

As a final point, remember that debt collectors rarely sue. Ensure you understand your rights, respond to court documents promptly, and consider consulting an attorney if needed.

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

8773661520 Might Have Your Personal Information

8773661520 might have your personal information. It's important that you don't engage directly with calls from this number. Debt collectors often try to get more details from you. If you ignore them, they might keep calling, so it's best not to pick up.

Here's what we advise you to do:

• Block the number to stop these calls.
• Check your credit report from all three bureaus to see your current status.
• Develop a plan to improve your credit.

Working with a reputable credit repair company can help you manage inaccuracies and disputes on your credit report. Professional assistance ensures your report is accurate and helps maintain good credit health.

Bringing it all together – block 8773661520, check your credit report, and consider credit repair services to manage inaccuracies and improve your credit.

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

Types Of Debt Collected By 8773661520

Midland Credit Management (MCM) collects several types of debt that you might owe. These include credit card debt, medical bills, personal loans, retail debt, and other consumer debts. MCM buys this debt from original creditors such as financial institutions, healthcare providers, and retail outlets. This allows them to reach out to you to recover the owed amounts.

All things considered, MCM collects various debts, enabling them to recover amounts from borrowers like you.

How Do I Check If I Owe Money To 8773661520

To check if you owe money to 877-366-1520, follow these steps:

First, check your records for any final bills, account statements, or equipment return receipts that might show outstanding debts. Next, review your credit reports from Equifax, Experian, and TransUnion to see if MCM has reported any debts. If you find a debt, request debt validation from MCM. They must provide proof that you owe the debt.

Avoid contacting MCM directly, as this might restart the statute of limitations on old debts. Instead, gather as much information and documentation as you can. If you're being harassed over disputed debts, consult a consumer protection lawyer to help protect your rights.

Lastly, be skeptical of potential scams. Verify the debt before giving any personal information to ensure the legitimacy of the claim. Taking these steps will help you determine if you owe money and protect you from potential scams.

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

Which Debt Collection Laws And Regulations Protect Me From 8773661520

You are protected by several debt collection laws and regulations from debt collectors like those associated with 8773661520.

The main federal law shielding you is the Fair Debt Collection Practices Act (FDCPA). This law prohibits debt collectors from using abusive, deceptive, or unfair practices while collecting personal, family, or household debts. Key protections under FDCPA include:
- Debt collectors can't contact you before 8 AM or after 9 PM.
- They can't reach out to you at work if your employer disallows it.
- They can't use abusive language, make threats, or harass you.
- They must provide a written validation notice of the debt, including the amount owed, the creditor’s name, and your right to dispute the debt.

You also have protections under state laws, which may offer additional safeguards beyond the FDCPA. Some states have stringent licensing requirements for debt collectors.

Your rights under these regulations are significant:
- You can request that the debt collector stop contacting you by sending a written request.
- If you dispute the debt in writing within 30 days, the collector must verify the debt or provide documentation before continuing collection attempts.
- You can sue for FDCPA violations within one year and potentially recover damages and attorney fees.

For violations, you can report debt collectors to the Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), or your state attorney general’s office. These regulations empower you to handle debt collection attempts legally and ethically.

Finally, remember that these laws are here to protect you, so know your rights, and report any violations to appropriate authorities to safeguard your peace of mind.

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 8773661520/Midland Credit Management (Mcm) Have Any Lawsuits Against Them

Yes, Midland Credit Management (MCM) has several lawsuits against them. You should be aware of some key cases:

• 2016 TCPA Violation Lawsuit: MCM was accused of violating the Telephone Consumer Protection Act by making unsolicited and harassing calls to debtors.
• Florida Resident Lawsuit: A lawsuit claimed that MCM misled debtors and violated consumer protection laws.
• CFPB Lawsuit: The Consumer Financial Protection Bureau (CFPB) sued Encore Capital Group, Inc., and its subsidiaries, including MCM, for not complying with a 2015 consent order related to their collection practices.
• MIDLAND CREDIT MANAGEMENT, INC. v. Elizabeth RIOS: MCM sought a default judgment for debt collection, but the case was dismissed due to delays in filing for default judgment.

You should also know about the official complaints against MCM:
• Better Business Bureau (BBB): There were 264 complaints over the past three years, with 105 in the last year, mostly about debt collection practices.
• Consumer Financial Protection Bureau (CFPB): Last year, 400 complaints were filed, including issues like improper debt collection, threats, and inaccurate reporting.

If MCM has contacted you, ensure they follow regulations without threatening or harassing you.

In closing, lawsuits and official complaints indicate that MCM has faced scrutiny for its practices. Be cautious and make sure you know your rights.

What Do People Online Say About 8773661520

People online have shared various comments about the phone number 877-366-1520.

On Reddit, users have noted suspicious activity, including discussions on scam-related forums. For example, one user remarked that the number has been searched recently on different sites and is flagged as a scam, with others calling and trolling the number. Another user reported difficulty communicating with representatives who barely spoke English, raising concerns about professionalism and legitimacy.

Adding to the confusion, a user mentioned being directed to call another number for a different account, indicating possible links to multiple debt collection issues.

These comments suggest that 877-366-1520 is tied to a company with communication issues and potential scam activities.

Overall, people online express skepticism about 877-366-1520, often encountering communication problems and confusion about its legitimacy. Consider caution when dealing with this number.

Do I Really Need To Remove 8773661520 From My Credit Report

Yes, you should consider removing 8773661520 from your credit report if it’s potentially inaccurate. Here’s what you need to do:

First, confirm that 8773661520 appears on your credit report. Then, identify if it’s potentially inaccurate. Instead of using poorly rated credit repair companies, consider a reputable one like The Credit Pros. Disputing it on your own can be time-consuming, so letting professionals handle it might save you effort and increase your chances of success.

• Confirm that 8773661520 appears on your credit report.
• Identify if it’s potentially inaccurate.
• Avoid using poorly rated credit repair companies.
• Consider a reputable company like The Credit Pros for assistance.

As a final point, removing this potentially inaccurate item can significantly improve your credit score, so it’s worth taking the necessary steps to address it.

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

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- +1 877 366 1520
- (877) 366-1520
- 877-366-1520
- 877.366.1520
- 877 366 1520
- +18773661520
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- 877.366.1520
- 8773661520

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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