248-319-6078

What Company Is Calling Me From 248-319-6078? Are They A Scam And Why Are They Calling Me?

The company calling from 248-319-6078 is Midland Credit Management (MCM), a debt collector. However, users have reported this number as a possible scam, with calls being recorded and immediate debt demands. It is advised not to engage with the caller, hang up, and report any suspicious activity to the FTC and CFPB. To protect yourself, be cautious and informed, identify the debt collector, block calls, and send cease and desist letters. Consult professionals, such as non-profit credit counselors or consumer protection attorneys, for debt guidance. Documentation is key, so keep records of calls, violations, and debt validation requests. Negotiate payment plans or settlements, request debt validation, and dispute incorrect information. If necessary, consider legal action and credit repair options, such as pay-for-delete agreements or hiring a credit repair service.

How Can I Block Or Stop Calls From 248-319-6078?

To block or stop calls from 248-319-6078, first, identify if the call is from a debt collector. Let unknown calls go to voicemail and listen to the message. If it’s a debt collector, take action to block the number. Contact your phone carrier or use call blocking apps like Nomorobo or Hiya to stop the calls. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Next, formally request no further contact from the debt collector. Send a cease and desist letter via certified mail demanding no more calls. If your state has additional laws, include those rights in your letter. Keep records of all calls as evidence of harassment.

To address the underlying debt, consult a non-profit credit counselor for help in negotiating a resolution. If the collector violates regulations, consider speaking to a consumer protection attorney. Blocking calls won’t eliminate any legitimate debts, but taking action can stop harassment and help address outstanding debts.

Is 248-319-6078 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that safeguards consumers from abusive, deceptive, and unfair debt collection practices. If you are receiving calls from the number 248-319-6078, you have specific rights under the FDCPA. Document any potential FDCPA violations, such as calls outside allowed hours, excessive calling frequency, or abusive language.

To protect your rights, revoke any prior consent for calls outside normal hours, request they cease contact at your workplace, and send a cease and desist letter via certified mail. If the collector continues to call, consult with a consumer protection attorney, report the violations to the Consumer Financial Protection Bureau, or contact your state Attorney General’s office for guidance. Furthermore, you can seek assistance from an experienced credit counselor to address the debt without experiencing additional collection calls.

Adhering to the FDCPA is crucial for any collector contacting you. By maintaining detailed records and asserting your rights, you can prevent further harassment from debt collectors.

If 248-319-6078 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 248-319-6078 and suspect it’s a debt collector, it’s essential to first validate the debt. To do this, follow these steps:

1. Request written validation of the debt by mailing a debt validation letter to the collector. They are required to provide this under the Fair Debt Collection Practices Act (FDCPA).
2. Carefully review the validation for accuracy, checking your personal details, creditor name, account number, and amount owed.
3. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once you’ve validated the debt, consider these options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer partial payment of 30-50% of the balance if affordable and request deletion from your credit report in exchange.
3. Assert your rights under the FDCPA if the collector violates regulations.
4. Consult a non-profit credit counseling agency for guidance on debt resolution.
5. Contact an attorney to explore bankruptcy or legal action against the collector.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Remember, never ignore a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law to determine the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 248-319-6078 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you’re contacted by a debt collector using the number 248-319-6078, it’s crucial to know your rights and options. If the debt is legitimate, the collector could sue you and potentially garnish your wages. To avoid legal action, consider negotiating affordable lump-sum or installment payments in writing, asserting your inability to pay and requesting they cease contact, seeking guidance from a non-profit credit counselor, hiring a consumer law attorney, or considering bankruptcy if debts are overwhelming.

Document all calls, letters, and efforts to address the debt, and be prepared to settle only if the proposed payment plan is realistic and affordable based on your budget. Ensure any settlement terms or agreements are in writing before making payments, and be aware that a collector can still sue if you default on a settlement. Seek help to understand your options and rights before making any decisions.

If 248-319-6078 Is A Collection Company, How Can I Remove It From My Credit Report?

If you’ve received a call from a collection company using the phone number 248-319-6078, it’s crucial to verify if the debt is genuine. Request written confirmation from the collection agency to ensure the information provided is accurate. If any details are incorrect, dispute the debt in writing.

If the debt is valid, consider these steps to potentially remove it from your credit report:

1. Negotiate a pay-for-delete agreement with the collection agency, which involves settling the debt in exchange for removal from your credit report.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill, although the agency is not obligated to remove it without a formal agreement.
3. Hire a credit repair service to dispute the debt on your behalf and provide legal resources to help in getting it removed.
4. Wait for the debt to fall off your credit report after seven years.
5. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
6. Consult a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages.
7. Keep detailed written records showing your efforts to resolve the disputed collection account.

By verifying debts, negotiating with collectors, and asserting your rights, you can potentially remove collections from your credit report through persistence and proper documentation. However, focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 248-319-6078?

When you receive a call from 248-319-6078, be cautious as users have reported it as a potential scam number. It is associated with Midland Credit Management (MCM) and involves financial services, telemarketing, and debt collector scams. To protect yourself from identity theft or financial fraud, report the number to the Federal Trade Commission (FTC) or Robokiller. Ensure you’re cautious and informed about the debt collector’s identity, block unwanted calls, and send cease and desist letters if necessary. Consult non-profit credit counselors or consumer protection attorneys for debt guidance and maintain records of calls, violations, and debt validation requests. In case of legal action, consult an attorney and document calls, considering potential consequences. Validate the debt by requesting written confirmation and reviewing the validation for accuracy, disputing any incorrect information. Credit repair options, such as pay-for-delete agreements, partial settlement payments, or hiring a credit repair service, can also be considered.