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What Company Is Calling Me From 248-352-5609? Are They A Scam And Why Are They Calling Me?

The phone number 248-352-5609 is associated with Midland Credit Management, a debt collection company. They are a legitimate business and have been reported for debt collection calls. While some users claim it’s a scam or telemarketing call, there’s no solid evidence of fraudulent activities. To ensure the call’s legitimacy, verify the debt with the original creditor. Keep in mind that even legitimate debt collectors might use aggressive tactics, but you have rights under the Fair Debt Collection Practices Act, and resources are available to help you understand and enforce those rights.

In the end, the best course of action is to verify the debt, understand your rights, and take steps to protect yourself from potential scams or harassment.

How Can I Block Or Stop Calls From 248-352-5609?

To block or stop calls from 248-352-5609, follow these simple steps:

1. Identify if the calls are from a debt collector by letting unknown calls go to voicemail and checking for messages.
2. Contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya.
3. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.
4. Send a cease and desist letter via certified mail demanding no further calls, and check your state’s laws for additional protections.
5. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.
6. Consult a non-profit credit counselor to help negotiate a resolution of the debt, or speak to a consumer protection attorney regarding your rights and potential lawsuits.

By taking these proactive steps, you can stop harassment from unwanted calls while addressing any outstanding debts.

Is 248-352-5609 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) protects you as a consumer from unfair or abusive debt collection practices. If you’re receiving calls from the number 248-352-5609, document all details of the calls to create a record of potential harassment or violations. Track if they call outside allowed hours (8 am – 9 pm in your time zone), repeatedly call over a short period, or use abusive language.

To protect your rights, revoke any prior consent given to call outside normal hours, request them to cease contact at your workplace, and send a cease and desist letter via certified mail. You can also verbally request them to stop calling during any conversation.

Report any violations, with documentation, to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney regarding your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance if you believe FDCPA violations have occurred. Speak to a credit counselor about addressing the debt without further collection calls.

Adhering to the FDCPA is mandatory for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 248-352-5609 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 248-352-5609 is a debt collector, it is likely associated with Midland Credit Management, a legitimate debt collection agency. To validate the debt, you must formally request written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the FDCPA.

Once you have confirmed the debt’s legitimacy, consider the following 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.
3. Formally assert your rights under the FDCPA if they violate regulations during collection.
4. Consult a non-profit credit counseling agency for guidance negotiating debt resolution.
5. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.
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.

The key is never ignoring a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 248-352-5609 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector like 248-352-5609 is pursuing you for a legitimate debt, they could potentially sue you and garnish your wages if they obtain a court judgment. To avoid legal action, consider the following steps: negotiate affordable payments, assert your inability to pay and request they cease contact, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are overwhelming.

Before agreeing to settle, make sure the payment plan is affordable, get any settlement terms in writing, be aware that a collector can still sue if you default on a settlement, and don’t agree to payments you can’t maintain. Settling often makes sense to avoid legal action, but ensure you understand your options and rights first.

If 248-352-5609 Is A Collection Company, How Can I Remove It From My Credit Report?

If you’re receiving calls from 248-352-5609, which is linked to Midland Credit Management, a debt collection agency, the first step is to validate the debt is legitimate by requesting written confirmation from the original creditor. Review the validation carefully to ensure your personal details and the debt information is accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act.

If the collector verifies the debt is valid, consider these active steps to potentially remove it: negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal, offer a good faith partial settlement payment and request deletion as a gesture of goodwill, hire a credit repair service to dispute the debt on your behalf, wait out the 7-year credit reporting time limit for the collection to automatically fall off your report, file a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information, or consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation. But focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 248-352-5609?

People often leave feedback and comments about the phone number 248-352-5609, which is associated with Midland Credit Management. Users report receiving calls from this number, identifying the caller as a debt collector. Various sources, including UnknownPhone.com and the Robokiller app, have received multiple reports of spam calls from this number. Some users describe the callers as scammers, while others report harassment due to receiving multiple calls from this number. Midland Credit Management is a legitimate company, but users should be cautious and vigilant when receiving calls from this number.

You must check your credit report

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