623-633-7113

What Company Is Calling Me From 623-633-7113? Are They A Scam And Why Are They Calling Me?

First, determine if the phone number 623-633-7113 is calling you from Arizona. It belongs to Midland Credit Management, a debt collection agency. They might be calling to collect on a sold debt, but they are not a scam. If you believe the debt is in error, you have the right to dispute it. They must stop calling until they verify the amount with official documentation.

To protect yourself, document the details of the call, assert your rights under the Fair Debt Collection Practices Act (FDCPA), and consider seeking help from credit counselors or attorneys if needed. Be cautious of legal action and long-term financial harm, and always validate the debt before attempting to remove it from your credit report.

How Can I Block Or Stop Calls From 623-633-7113?

To block or stop calls from 623-633-7113, first, let the calls go to voicemail and don’t answer them directly. This will help identify if they are from debt collectors. Next, block the number through your phone carrier or use call blocking apps. If the calls persist, send a cease and desist letter to formally request no further contact. Keep records of the calls and consider seeking help from credit counselors or attorneys. If the debt is inaccurate, dispute it and negotiate a settlement or payment plan. Always validate the debt before attempting to remove it from your credit report.

Is 623-633-7113 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re receiving calls from 623-633-7113, it’s important to know that this number belongs to Midland Credit Management, a debt collection agency based in Arizona. It’s crucial to be aware of your rights as a consumer under the Fair Debt Collection Practices Act (FDCPA), which protects you from abusive or harassing debt collection practices.

To protect your rights, keep a record of all calls, including date, time, frequency, phone number, and details. If you experience any harassment, revoke consent for calls outside regular hours and request no contact at your workplace. You can also send a cease and desist letter to the collection agency.

In case of violations, report them to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance. If you believe the debt is inaccurate, dispute it and try to negotiate a settlement or payment plan.

It’s essential to validate the debt before attempting to remove it from your credit report, as legal action and long-term financial harm may arise if not handled properly.

If 623-633-7113 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 623-633-7113 and suspect it’s a debt collector, the first step is to ask for written validation of the debt. Carefully review the details and dispute any inaccuracies. Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA), so don’t hesitate to assert them. If you’re uncertain about the debt or need assistance, consider reaching out to a credit counselor or attorney. In the end, keep detailed records of your interactions with the debt collector and try to negotiate a settlement or payment plan to avoid long-term financial harm.

Can 623-633-7113 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 623-633-7113 is a debt collector, they cannot sue you or garnish your wages without following proper legal procedures. The Fair Debt Collection Practices Act (FDCPA) protects you from abusive debt collection practices. To handle this situation, document all communication, assert your rights under the FDCPA, and consider seeking help from credit counselors or attorneys. If the debt is inaccurate, dispute it and negotiate a settlement or payment plan. Be cautious of legal action and long-term financial harm, and always validate the debt before attempting to remove it from your credit report.

If 623-633-7113 Is A Collection Company, How Can I Remove It From My Credit Report?

If you’re receiving calls from 623-633-7113, it’s crucial to verify the debt’s legitimacy first. Request written confirmation from the debt collector and review it thoroughly for any inaccuracies. If there are discrepancies, dispute the information with the collection agency.

To potentially remove the debt from your credit report, consider the following options:

1. Negotiate a pay-for-delete agreement: If the debt collector agrees to remove the debt from your credit report in exchange for a full or partial payment, take this opportunity to resolve the issue.

2. Offer a partial settlement: Propose a smaller payment amount than the original debt to potentially settle the account.

3. Hire a credit repair service: If you’re unsure about how to handle the situation, consider seeking help from a credit repair professional.

4. Wait for the statute of limitations: After a certain period, usually between 3-6 years, debt collectors cannot sue you for unpaid debts. At this point, you may choose to stop communicating with the collection agency and wait for the debt to expire.

5. File a complaint: If the debt collector violates the FDCPA, file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state attorney general’s office.

6. Consult an attorney: If the situation escalates, seek legal advice from an experienced attorney who specializes in debt collection matters.

Throughout the process, keep detailed records of all communications and interactions with the debt collector to protect yourself and your rights. Remember to validate the debt first and foremost before attempting to remove it from your credit report.

What Feedback And Comments Do People Leave About 623-633-7113?

When searching for information about 623-633-7113, the most common feedback and comments are related to Midland Credit Management, a company known for purchasing delinquent debts and using robocalls for debt collection purposes. Users often report receiving spam calls and negative reviews about the company’s practices. It’s crucial to be aware of your rights under the Fair Debt Collection Practices Act (FDCPA) when dealing with such calls. Seeking help from credit counselors or attorneys can be beneficial if necessary. If you believe the debt is inaccurate, dispute it and negotiate a settlement or payment plan. Ensure you validate the debt before attempting to remove it from your credit report and be cautious of potential legal action and long-term financial harm.