Home / Who is 8773661642 and why are they calling me?

Who is 8773661642 and why are they calling me?

  • Phone number 8773661642 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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Getting calls from 877-366-1642 probably feels frustrating. This number belongs to Midland Credit Management (MCM), a legitimate debt collection agency, but it could also be a scam. These calls may damage your credit score, and ignoring or blocking them won’t solve the issue. You need to face it head-on to protect your financial well-being.

If MCM owns 877-366-1642, they might have bought your outstanding debt and are now trying to collect it. This could mean a negative item on your credit report, impacting your score and financial security. Blocking the number only stops the calls temporarily—you need a solid solution.

That’s where The Credit Pros come in. Call us, and we’ll review your three-bureau credit report to confirm if this is a debt collector and spot any other potential issues. Our team has helped many people like you remove potentially inaccurate items, boost their credit scores, and secure their financial future. Let’s clean up your credit report and stop those harassing calls for good.

Who Is 8773661642: Scam Or Legitimate?

The phone number 877-366-1642 is linked to Midland Credit Management (MCM). While MCM is a legitimate debt collection agency, this number has been reported for scam-like activities, such as phantom debt collection scams where callers attempt to collect on fake debts.

Here's what we advise you to do:

1. Don't Engage: Whether the call is legitimate or not, you should avoid engaging with the caller directly.
2. Verify the Debt: You are not obligated to pay the debt immediately. Request written verification of the debt, which should include the amount owed, the name of the original creditor, and the date of your last payment.
3. Pull Your Credit Report: Check your credit report for any inaccuracies or negative items. This helps you verify the legitimacy of the debt.
4. Contact The Credit Pros for Help: We offer a free 3-bureau credit report evaluation to identify potentially inaccurate negative items.
5. Cease and Desist: If you don't want to be contacted again, send a certified cease and desist letter to MCM.
6. File a Complaint: If you believe your rights have been violated, you can file a complaint with the Consumer Financial Protection Bureau.

Remember: Scammers can use personal information to commit identity theft, so never provide personal financial details unless you are sure of the caller's legitimacy. We understand this is stressful, but following these steps can help you handle the situation effectively.

To sum up, don't engage with the caller, verify the debt, check your credit report, contact us for help, send a cease and desist letter, and file a complaint if needed.

How Do I Stop 8773661642 From Harassing Me (How To Report Them)?

If you're being harassed by calls from 877-366-1642, here's what you can do:

Document Everything: Keep a log of each call with the date, time, and any inappropriate language.

Do Not Call Registry: Add your number to the Do Not Call Registry. This can help reduce telemarketing calls.

Send a Cease and Desist Letter: Write to Midland Credit Management to stop contact. Use this template and send it via certified mail.

File Complaints:
- Federal Communications Commission (FCC): Report unwanted calls at fcc.gov/complaints.
- Federal Trade Commission (FTC): Report violations at ReportFraud.ftc.gov.
- Consumer Financial Protection Bureau (CFPB): File a complaint at consumerfinance.gov/complaint.

Contact Your Phone Carrier: Ask about call-blocking tools and options.

Use Call-Blocking Apps:
- For Android: 'Call Blocker - Stop spam calls'
- For iPhone: 'Robokiller: Spam Call Blocker'

Consider Legal Action: If harassment continues, consult a harassment lawyer or seek a restraining order.

To wrap things up, you can stop the harassment from 877-366-1642 by documenting calls, using the Do Not Call Registry, sending a cease and desist letter, filing complaints, contacting your phone carrier, using call-blocking apps, and considering legal action if needed.

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

Should I Block Or Ignore 8773661642?

You should block the number 877-366-1642. Ignoring it is also an option, but blocking is better for stopping the calls altogether.

1. No Negative Consequences: Blocking or ignoring the number won't harm your credit score.
2. Harassment: If they're harassing you, blocking is a smart move. You don't have to tolerate abusive or repeated calls.
3. Legal Protection: Sending a cease and desist letter can legally stop them from contacting you further.
4. Debt Verification: Don’t communicate with them if you don’t recognize the debt. Instead, contact a reputable credit repair company to handle any disputes.

In the end, blocking calls from 877-366-1642 is a proactive step to safeguard yourself from potential scams or harassing debt collection practices.

Can A Debt Collector Like 8773661642 Sue Me?

Yes, a debt collector like 877-366-1642 can sue you, but it's very unlikely. They typically file lawsuits only as a last resort when the debt amount is substantial, usually over $5,000. Suing is costly and time-consuming for them, so they prefer other methods like calls and letters to collect the debt first.

If they decide to sue, you will receive a court summons and complaint. You must respond to avoid a default judgment, which could lead to wage garnishment or bank account levies. However, if the debt is old and beyond the statute of limitations in your state, they can't sue you for it.

You have rights under the Fair Debt Collection Practices Act (FDCPA) that protect you from abusive or deceptive practices. If you receive a lawsuit, consider consulting with an attorney to understand your options and defenses.

As a final point, remember that while a debt collector like 877-366-1642 can technically sue you, it's rare. They usually need to prove you owe the debt and that the amount is accurate. Always respond to court summons and consult with an attorney to protect your rights.

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

8773661642 Might Have Your Personal Information

If you get a call from 877-366-1642, Midland Credit Management might be trying to reach you. Don't provide any personal information. Ideally, don't even pick up the call. Debt collectors often fish for your details, which can lead to more harassment or scams.

Instead, check your credit report. You can get a free copy from Equifax, Experian, and TransUnion. This will help you see if there are any debts listed that they could be calling about. Work on a comprehensive plan to improve your credit and handle any debts you legitimately owe.

Consider working with a reputable credit repair company. These professionals can help you dispute inaccuracies on your report and offer guidance to improve your credit standing. They know the ins and outs of the Fair Debt Collection Practices Act (FDCPA) and will ensure your rights are protected.

- Don't provide any personal information to debt collectors.
- Don’t pick up calls from unfamiliar numbers like 877-366-1642.
- Obtain your 3-bureau credit report.
- Work with a reputable credit repair company to protect and improve your credit.

Bringing it all together - avoid providing personal information over the phone, block the number 877-366-1642, check your credit report, and consider professional help to sort out any issues.

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

Types Of Debt Collected By 8773661642

If you are receiving calls from 8773661642, it's likely about collecting debts. They often target:

- Credit card debt
- Auto loans
- Medical bills
- Utility bills

These collectors work for creditors who can't recover payments themselves. Creditors might sell your debt to companies like this one to pursue the owed money.

You should verify any debt before paying. Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA) to protect you from any abusive tactics.

All things considered, if you're contacted by 8773661642, they are likely trying to collect a debt. Verify the debt, know your rights, and act wisely to protect yourself.

How Do I Check If I Owe Money To 8773661642?

To check if you owe money to 877-366-1642, follow these steps:

First, check your credit report. Review reports from Experian, Equifax, and TransUnion. These reports will show if any debt is linked to you and who the creditor is. You can get free reports from AnnualCreditReport.com.

Next, review your records. Go through your financial documents such as bank statements, credit card bills, and correspondence from creditors. Look for any final bills, account statements, or equipment return receipts that might indicate a debt you owe.

If you see a debt listed from Midland Credit Management (MCM) on your credit report, request debt validation. Write to MCM asking them to verify the debt details. They must provide information about the debt, including the amount, the original creditor, and proof that you owe it.

If you think the debt is incorrect, dispute any errors. Contact the credit bureaus and MCM to report inaccuracies. Be persistent, as disputing errors can take several months and requires consistent effort.

If you face harassment or threats from MCM, seek legal advice. Laws like the Fair Debt Collection Practices Act (FDCPA) protect you from abusive debt collection practices.

Lastly, if you’re being harassed by repeated calls, send a cease and desist letter to MCM via certified mail. This will legally require them to stop contacting you.

Lastly, make sure you gather all necessary information, verify the debt, and follow these steps to avoid issues with inaccurate debt collection efforts impacting your credit.

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

Which Debt Collection Laws And Regulations Protect Me From 8773661642

To protect yourself from debt collection calls from 877-366-1642, which is linked to Midland Credit Management (MCM), you can rely on the Fair Debt Collection Practices Act (FDCPA) and state laws. Here’s how these laws can help you:

1. Fair Debt Collection Practices Act (FDCPA):
- Harassment: Debt collectors cannot harass you by calling repeatedly, using abusive language, or making threats.
- Inconvenient Times: They cannot contact you before 8 AM or after 9 PM.
- Contact at Work: They cannot contact you at work if your employer prohibits such calls.
- False Representation: They cannot falsely claim to be an attorney or a government official.
- Third-Party Disclosure: They are prohibited from sharing information about your debt with others.
2. Required Disclosures:
- Validation Notice: They must send a written notice with details about the debt, including the amount owed and the creditor’s name, within five days of first contacting you.
- Dispute Rights: If you dispute the debt within 30 days, they must stop collection efforts until they provide verification of the debt.
3. Your Rights:
- Stop Communication: You can demand, in writing, that MCM stop contacting you. After receiving your letter, they can only contact you to confirm no further contact or to inform you about specific actions they may take.
- Report Violations: If they violate your rights, you can report them to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), or your state’s attorney general. You can also sue for any damages caused by violations.
4. State Laws:
- Many states have additional protections that may provide more stringent measures against debt collectors.

To take action, you should send a cease and desist letter via certified mail to MCM stating that you do not wish to be contacted. If they continue to call, you can file a complaint with the CFPB for further assistance. This way, you enforce your rights and ensure that MCM adheres to legal standards.

Finally, by understanding which debt collection laws and regulations protect you from 8773661642, you can take specific steps to stop unwanted calls, protect your rights, and report any violations.

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 8773661642/Midland Credit Management (Mcm) Have Any Lawsuits Against Them?

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

One notable case is a class-action lawsuit in New York’s Southern District, alleging that MCM and Midland Funding, LLC used misleading and deceptive collection notices. These notices included false deadlines and legal threats either unenforceable or never intended to be pursued.

Additionally, you can find multiple complaints against MCM related to debt collections:

- Better Business Bureau Complaints: There are 264 complaints in the past three years, with 105 in the last year alone. Most complaints are about harassment and unfair debt collection practices.
- Fair Debt Collection Practices Act (FDCPA) Violations: These include allegations of repeated, threatening, and aggressive calls, misrepresentation of debt amounts, and attempts to collect unverified debts.
- Consumer Financial Protection Bureau Complaints: Consumers have lodged multiple complaints about MCM's practices, accusing them of calling at unreasonable hours and using abusive language, in violation of the FDCPA.

If you face any of these issues, it is crucial that you explore your rights and consider legal action to protect yourself.

In closing, MCM has several lawsuits and consumer complaints alleging unfair practices. Be aware of your rights and take steps to protect yourself, possibly even seeking legal advice if necessary.

What Do People Online Say About 8773661642?

People online have a lot to say about phone number 877-366-1642. Here's a compilation of specific quotes from users on various platforms:

- UserName123: "I have never interacted with Midland Credit before and I don't even have any debt or cards. These guys keep calling me randomly every once in a while and it's been like this for around a year. I don't know why they call me and every time it's from a different number."

- Anonymous User: "Has called me from spoofed numbers and left voicemails giving no details except that they're MCM and to call them at (877) 366-1642. I do not have any debts out for collection."
- AnotherUser2024: "Claims I have a debt for them to collect but I don’t have a debt."
- UserName456: "Scam- Ethan from MCM."
- User789: "Fake Midland phantom debt collection scam by criminals phoning from India."

- UserReport2024: "Fake phantom debt collection scam by criminals. This is what the Federal Trade Commission calls a phantom debt collection scam where the scammer pretends to be a debt collector."

Brief Analysis of the Quotes:
Many users report receiving calls from 877-366-1642 claiming to be from MCM, often involving suspicious or scam-like behavior. The common issues include:
- Phantom Debt Claims: Many users receive calls about debts they do not owe.
- Spoofed Numbers: Calls often come from different or spoofed numbers.
- Harassment and Repeated Calls: Users report frequent and persistent calls.
- Scam Alerts: Some calls mention fake debts and intimidation tactics.

These experiences suggest that you should be wary of calls from this number, especially if you don't have any outstanding debts with Midland Credit Management. Consider blocking the number and reporting any harassment.

Overall, people share concerns about 877-366-1642, highlighting frequent scam tactics, fake debt claims, and repeated harassment, suggesting you should stay cautious and take action if contacted.

Do I Really Need To Remove 8773661642 From My Credit Report?

Yes, you really need to remove 8773661642 from your credit report if it's there and it's "potentially inaccurate." Addressing this on your own can be time-consuming and exhausting. Instead, consider contacting a reputable credit repair company like The Credit Pros. They can save you a lot of hassle and significantly improve your chances of successfully removing negative items from your credit report.

Here's what you can do next:
- Confirm that 8773661642 is actually on your credit report.
- Verify that the account is "potentially inaccurate."
- Avoid typical credit repair companies with poor ratings.
- Reach out to a reputable one like The Credit Pros for assistance.

As a final point - make sure you confirm the presence of 8773661642 on your report, verify its accuracy, avoid poorly rated companies, and seek help from a reputable firm to handle the disputes effectively.

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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