623-223-9852

What Company Is Calling Me From 623-223-9852? Are They A Scam And Why Are They Calling Me?

If you’re receiving calls from 623-223-9852, it’s likely from Midland Credit Management, a debt collection agency. They may be calling about an outstanding debt and potentially violating the Fair Debt Collection Practices Act (FDCPA). To handle this, first, request the company to stop calling. If they continue, file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general’s office, and keep records of all communication with the debt collector.

For unknown calls, let them go to voicemail and don’t answer directly. Block further calls by contacting your phone carrier, using call blocking apps, and setting contacts not in your address book to go straight to voicemail. Request no more contact by sending a cease and desist letter, checking state laws, and maintaining detailed records of calls.

To manage the underlying debt, consult a credit counselor, speak to a consumer protection attorney, and monitor voicemail messages from identified collectors. Remember to document any potential FDCPA violations, including date, time, frequency, phone number, and details, in case you need to take further action.

How Can I Block Or Stop Calls From 623-223-9852?

First, let unknown calls from the number 623-223-9852 go to voicemail. If you identify the caller as a debt collector, take action to block their number. Contact your phone carrier to block the number permanently, or use call blocking apps. You can also set contacts not in your address book to go straight to voicemail.

Once you have blocked the number, send a cease and desist letter via certified mail, invoking any state laws that may prohibit collection calls without written notice. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Address the underlying debt by consulting a non-profit credit counselor to help negotiate a resolution, speaking to a consumer protection attorney regarding your rights and potential lawsuits, and monitoring voicemail messages from identified collectors. Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 623-223-9852 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 623-223-9852 might be a debt collection agency called Midland Credit Management. Under the Fair Debt Collection Practices Act (FDCPA), you have rights to protect yourself from abusive or harassing calls. To document any potential FDCPA violations, keep track of the date, time, frequency, phone number, and details of all calls.

If the calls are excessive or harassing, you can take action to defend your rights. First, revoke any prior consent to call outside the allowed hours of 8 am to 9 pm in your time zone. Next, formally request that they cease contact at your workplace if it’s prohibited by your employer. Additionally, you can send a cease and desist letter via certified mail demanding no further contact by phone.

Consider consulting a consumer protection attorney to explore your options, such as suing for damages. Report any violations, with documentation, to the Consumer Financial Protection Bureau (CFPB) to open an investigation. You can also contact your state Attorney General’s office for guidance if you believe FDCPA violations have occurred.

Make sure to follow the FDCPA and keep detailed records of your interactions with the collector to prevent further harassment. By taking these steps, you can handle the debt without facing additional collection calls.

If 623-223-9852 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To determine if 623-223-9852 is a debt collector, ask for their name, company, and the debt they’re calling about. If they are a debt collector, you can request written validation of the debt according to the Fair Debt Collection Practices Act (FDCPA). Send a debt validation letter and review the information provided. Dispute any incorrect or unrecognized details in writing and request its removal from your credit report.

After validating the debt, consider the following options:

1. Negotiate a reasonable settlement or payment installment plan in writing before sending any payment.
2. Offer a 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 the collector violates regulations during collection.
4. Consult a non-profit credit counseling agency for guidance on 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.

Always engage with debt collectors to confirm the debt’s validity and exercise your consumer rights under federal and state law. Seek professional help if necessary to achieve a fair outcome.

Can 623-223-9852 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector is calling you, they could potentially sue you for the debt and garnish your wages if they obtain a court judgment. To avoid legal action, try negotiating affordable payment plans, asserting your inability to pay, seeking help from a credit counselor, hiring an attorney, or considering bankruptcy. Document all interactions and be cautious when agreeing to settle the debt to ensure it’s affordable and in your best interest. Always seek assistance to understand your options and rights before making any decisions.

If 623-223-9852 Is A Collection Company, How Can I Remove It From My Credit Report?

If 623-223-9852 is a debt collection company, you can remove it from your credit report by following these steps:

1. First, validate if the debt is legitimate by requesting written confirmation from the collector. Carefully review the validation to ensure your personal details and debt information are accurate.

2. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act. Demand they remove the collection tradeline from your credit file.

3. 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. This requires paying a lump-sum settlement.

4. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill. However, they are not obligated to remove it without a formal agreement.

5. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.

6. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.

7. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.

8. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

9. Keep detailed written records showing your efforts to resolve the disputed collection account.

By proactively validating debts, negotiating with collectors, and asserting your rights, you can potentially remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 623-223-9852?

People have left various feedback and comments about the phone number 623-223-9852, which is associated with Midland Credit Management, a debt collection company. Users report receiving multiple calls without any message and scammers impersonating Midland Credit Management. To protect yourself from potential harassment, let unknown calls go to voicemail and block further calls using call blocking apps or contacting your phone carrier. Addressing the underlying debt is crucial, so consider consulting a credit counselor or speaking to a consumer protection attorney. If you believe you are a victim of debt harassment, contact the company, document all communication, and file a complaint with the Consumer Financial Protection Bureau or your state attorney general’s office.