623-745-3826

What Company Is Calling Me From 623-745-3826? Are They A Scam And Why Are They Calling Me?

Firstly, the phone number 623-745-3826 is associated with MCM, a debt collection agency. Users have reported receiving spam calls from this number, suggesting it could be a scam. MCM may call to collect a debt, but verify its legitimacy before providing personal information. Callers have identified themselves as Stephen Parks, Sylvie, and Amy Lawson. Reports include requests to contact MCM at 877-366-1520 regarding a debt. However, silent and unsolicited calls are also common, indicating potential scams. To protect against unwanted calls, use call-blocking applications on mobile phones.

In the end, it is crucial to verify the legitimacy of the calls received from 623-745-3826 and ensure the debt collection agency follows the Fair Debt Collection Practices Act (FDCPA) guidelines. If you believe you are being scammed, document the calls, and consider taking legal action if necessary.

How Can I Block Or Stop Calls From 623-745-3826?

To block or stop calls from 623-745-3826, which is associated with McM, a debt collection agency, follow these steps:

1. Identify if it’s a debt collector: Let unknown calls go to voicemail. Debt collectors may leave messages stating they are attempting to collect a debt.

2. Block the number: Contact your phone carrier to permanently block the number. Most major carriers allow call blocking through customer support or your online account. Alternatively, use call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

3. Request no further contact: Send a cease and desist letter via certified mail demanding no further calls. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice. Send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

4. Address underlying debt: Consult a non-profit credit counselor to help negotiate resolution of the debt. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

5. Monitor voicemail: Do not avoid unknown calls altogether. Check voicemails to monitor any messages from an identified collector. Blocking calls does not eliminate any legitimate debts owed. But taking proactive steps can stop harassment while addressing any outstanding debts.

Is 623-745-3826 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the number 623-745-3826, associated with McM, a debt collection agency, it is crucial to verify the legitimacy of the calls and protect your rights under the Fair Debt Collection Practices Act (FDCPA). First, document the date, time, frequency, phone number, and details of all calls. Track if they call outside the allowed hours of 8 am to 9 pm in your time zone, if they call repeatedly over a short period, and if any abusive, threatening, or obscene language is used during the calls.

To assert your rights, revoke any prior consent given to call outside normal hours in writing. Formally request that they cease contact at your workplace if it is prohibited by your employer. You can also send a cease and desist letter via certified mail demanding no further contact by phone. Verbally request them to stop calling during any conversation.

If you believe there are FDCPA violations, report them 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. Finally, 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 623-745-3826 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 623-745-3826 and the caller claims to be a debt collector, your first step should be to verify the legitimacy of the debt. To do this, request written validation from the collector. They are legally obligated to provide this information under the Fair Debt Collection Practices Act (FDCPA).

Once you have the validation, carefully review the details to ensure accuracy. Dispute any incorrect or unrecognized information in writing and request its removal from your credit report.

After verifying the debt, consider the following options:

1. Negotiate a settlement or payment plan in writing, offering a reasonable lump sum or installments. Request deletion from your credit report as part of the agreement.
2. Seek guidance from a non-profit credit counseling agency to help with debt resolution.
3. Consult an attorney to discuss bankruptcy or legal action against the collector if necessary.
4. Maintain records of all correspondence and calls, in case you need to file a complaint.
5. Revoke any prior permissions given to the collector for communication outside FDCPA guidelines.

Remember, never ignore a potential debt collector. Confirm the debt’s validity, exercise your rights under federal and state law, and seek assistance from professionals to ensure a fair outcome.

Can 623-745-3826 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 623-745-3826 is a debt collector, they can sue you for the debt and potentially garnish your wages if they obtain a court judgment. To avoid legal action, you should consider negotiating a payment plan, asserting your inability to pay, seeking guidance from a credit counselor, or hiring a consumer law attorney. If bankruptcy is a possibility, consult with an attorney to discuss your options.

Before settling, make sure the proposed payment plan is affordable and get any agreements in writing. Remember that a collector can still sue if you default on a settlement. Settling may be a practical option to avoid legal action, but ensure you can maintain the agreed payments. Seek assistance to understand your options and rights before making any decisions.

If 623-745-3826 Is A Collection Company, How Can I Remove It From My Credit Report?

If 623-745-3826 is a collection company, the first step is to verify if the debt is legitimate by requesting written confirmation from the collection agency. 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 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. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. You can also hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.

Another option is to wait for the 7-year credit reporting time limit for the collection to automatically fall off your report. If the collector violates laws, file a complaint with the Consumer Financial Protection Bureau. 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 623-745-3826?

People often leave negative feedback and comments about the phone number 623-745-3826, as it is associated with debt collection and spam calls. Users report receiving multiple calls from this number, some even silent or hung up, and often mark them as spam. The company associated with this number is MCM, and callers typically leave a callback number of 877-366-1520. Some users believe these calls to be scams or spam, and overall, the feedback is unfavorable.

To address these concerns, it is crucial to verify the legitimacy of the calls and, if necessary, block unwanted calls from the number. Additionally, it is important to document any potential violations of the Fair Debt Collection Practices Act (FDCPA) and to follow the guidelines set forth by the act.

If the debt is legitimate, it is advisable to request debt validation, negotiate a settlement, and assert your rights under the FDCPA and state law. In some cases, legal action may be considered if the debt collector violates the FDCPA or if the debt is legitimate and not resolved through negotiation.

It is essential to maintain detailed records of communication with the debt collector and to keep track of any calls received. This will help in resolving the issue and ensuring your rights are protected.