619-354-6309

What Company Is Calling Me From 619-354-6309? Are They A Scam And Why Are They Calling Me?

The phone number 619-354-6309 is associated with Midland Credit Management, a debt collection agency. Users have reported receiving spam calls from this number, but it is not clear whether these calls are actual scams or aggressive debt collection attempts. Midland Credit Management has been the subject of complaints related to unverified debt collection, inappropriate communication, misrepresentation, and violations of the Fair Debt Collections Practices Act (FDCPA).

To address concerns about unknown calls, let them go to voicemail and check for debt collection messages. If you identify the calls as coming from a debt collector, consider blocking their number using your phone carrier, call blocking apps, or smartphone settings. You can also send a certified letter to demand the collector stop contacting you, but keep in mind that they may still be allowed to contact you through other means.

Consult a non-profit credit counselor or consumer protection attorney for legal assistance in dealing with debt collectors. Request written validation of the debt and review it for accuracy, and consider debt settlement, payment plan, or legal options for resolving the debt. Keep detailed records of all communication and efforts to address the debt, as this documentation may be helpful in the event of a dispute or legal action. Ultimately, understanding your rights under the FDCPA and taking action to protect yourself from aggressive debt collection practices is crucial in dealing with debt collectors like Midland Credit Management.

How Can I Block Or Stop Calls From 619-354-6309?

To block or stop calls from 619-354-6309, which is likely a debt collector from Midland Credit Management, follow these steps:

1. Identify if it’s a debt collector: Let unknown calls go to voicemail and check for debt collection messages.
2. Block the number: Contact your phone carrier to block the number permanently, use call blocking apps like Nomorobo or Hiya, or set contacts not in your address book to go straight to voicemail.
3. Send a cease and desist letter: Demand the collector to stop contacting you via certified mail. This may be necessary if your state has laws beyond the FDCPA that prohibit collection calls without written notice.
4. Consult a non-profit credit counselor: They can help negotiate resolution of the debt and ensure your rights under the FDCPA are being respected.
5. Consider legal action: If the collector violates regulations, speak to a consumer protection attorney about potential lawsuits.

Remember, blocking calls does not eliminate any legitimate debts owed. Taking proactive steps can stop harassment while addressing any outstanding debts.

Is 619-354-6309 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 619-354-6309 could be a debt collection agency attempting to collect on a debt you owe. The Fair Debt Collection Practices Act (FDCPA) protects you as a consumer from unfair or abusive debt collection practices.

To determine if the caller is violating the FDCPA, document the details of all calls. Note if they call outside of allowed hours (8am – 9pm in your time zone), repeatedly call over a short period, or use abusive, threatening, or obscene language.

To protect your rights, revoke any prior consent given for calls outside normal hours, request they cease contact at your workplace if prohibited, and send a cease and desist letter via certified mail demanding no further contact. You can also verbally request they stop calling during any conversation.

If you believe the debt collector is violating the FDCPA, report the violations 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, or ask an experienced credit counselor how to address the debt without incurring further collection calls.

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

If 619-354-6309 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 619-354-6309 is a debt collector, it is likely associated with Midland Credit Management, a debt collection agency. Users report issues such as spam calls, potential scams, and aggressive debt collection. 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 the debt is validated, consider the following options: negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment. Offer partial payment of 30-50% of the balance if affordable and request deletion from your credit report. Formally assert your rights under the FDCPA if they violate regulations during collection. Consult a non-profit credit counseling agency for guidance negotiating debt resolution or contact an attorney to understand if bankruptcy or legal action against the collector are viable options.

Keep detailed records of all correspondence and calls for potential complaints. 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 619-354-6309 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 619-354-6309 is a debt collector, they can potentially sue you or garnish your wages if you owe a legitimate debt. To avoid legal action, consider negotiating an affordable payment plan, asserting your inability to pay, seeking help from a credit counselor, or hiring an attorney. Before settling, ensure the proposed payment plan is realistic, get any agreements in writing, and be aware that a collector can still sue if you default on a settlement. Settling may make sense to avoid legal action, but don’t agree to payments you can’t maintain. Seek assistance to understand your options and rights first.

If 619-354-6309 Is A Collection Company, How Can I Remove It From My Credit Report?

If 619-354-6309 is a collection company, it’s essential to verify the debt’s legitimacy by requesting written confirmation. Review the validation to ensure your personal details and the debt information are 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 and demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider negotiating 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. Alternatively, hire a credit repair service to dispute the debt on your behalf. You can also wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.

Ultimately, proactively validating debts, negotiating with collectors, and asserting your rights can 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 619-354-6309?

When it comes to feedback and comments about 619-354-6309, users often report receiving spam calls or calls from a debt collection agency. Midland Credit Management is the company associated with this phone number, known for buying old debts and aggressively pursuing payment. Some users have even labeled the calls as spam or harassment. However, it’s important to note that Midland Credit Management is a legitimate company and not a scam. If you’re receiving calls from this number and believe it to be harassment, consider reporting it to the appropriate authorities.

To sum up, users have expressed concerns about the frequency and aggressive nature of calls from 619-354-6309. It’s crucial to understand your rights under the Fair Debt Collection Practices Act (FDCPA) when dealing with debt collectors. To identify if a call is from a debt collector, let unknown calls go to voicemail and check for debt collection messages. If you want to stop receiving calls from a specific number, use your phone carrier’s call blocking feature or download a call blocking app for your smartphone.

In the end, if you believe the calls are harassing, you can send a certified letter to demand the collector cease and desist from contacting you. If you need assistance with your debt or understanding your rights, consider consulting a non-profit credit counselor or a consumer protection attorney. Make sure to request written validation of the debt and review its accuracy before engaging in settlement negotiations or payment plans. To keep track of your efforts, maintain detailed records of communication with the debt collector.