800-270-7919

What Company Is Calling Me From 800-270-7919? Are They A Scam And Why Are They Calling Me?

The company calling from 800-270-7919 is Midland Credit Management (MCM), a debt collector. They may call multiple times a day, but it’s important to remember that they must follow regulations under the Fair Debt Collection Practices Act (FDCPA). If you feel they’ve crossed the line, you can consult a consumer protection attorney or file a complaint with the Consumer Financial Protection Bureau or your state Attorney General’s office. In the end, always remember your rights when dealing with debt collectors.

How Can I Block Or Stop Calls From 800-270-7919?

First, determine if the calls are from a debt collector by letting unknown calls go to voicemail and checking messages. If it is a debt collector, contact your phone carrier to block the number or use call blocking apps. Next, send a cease and desist letter via certified mail, invoking your state’s specific laws. Keep detailed records of all calls as evidence of harassment. Consult a non-profit credit counselor to negotiate a resolution for the debt. If the collector violates regulations, speak to a consumer protection attorney for assistance. Remember, blocking calls doesn’t eliminate debts, but it can stop harassment while addressing any outstanding debts.

Is 800-270-7919 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is designed to protect consumers from abusive, deceptive, and unfair debt collection practices. If you are receiving calls from 800-270-7919, document the details of these calls, including date, time, frequency, phone number, and any violations of the FDCPA. Potential violations may include calling outside of allowed hours, repeatedly calling over a short period, or using abusive language.

To assert your rights, revoke any prior consent for calls outside normal hours, request them to cease contact at your workplace, send a cease and desist letter via certified mail, and verbally request them to stop calling during any conversation. If violations are present, report them to the Consumer Financial Protection Bureau, consult a consumer protection attorney, or contact your state Attorney General’s office for guidance.

By adhering to the FDCPA and keeping detailed records of debt collection calls, you can prevent further harassment from debt collectors and protect your rights as a consumer.

If 800-270-7919 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 800-270-7919 is a debt collector, the first step is to validate the debt. You can do this by mailing a debt validation letter to the collector, as they are legally required to provide this under the FDCPA. Once you have validated the debt, 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 the collector violates regulations.
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 800-270-7919 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 800-270-7919 is a debt collector, they can potentially sue you to recover the amount owed and garnish your wages or bank accounts if they obtain a court judgment. To avoid legal action, consider negotiating affordable payment plans, asserting your inability to pay, seeking guidance from non-profit credit counselors, or hiring a consumer law attorney. In some cases, bankruptcy may be an option.

Before deciding to settle, ensure the proposed payment plan is manageable, get any settlement terms in writing, and be aware that the collector can still sue if you default on a settlement. Settling may be a good option to avoid legal action, but only agree to payments you can maintain. Consult professionals to understand your options and rights before making any decisions.

If 800-270-7919 Is A Collection Company, How Can I Remove It From My Credit Report?

If you believe 800-270-7919 is a collection company, start by validating the debt to ensure it’s legitimate. Carefully review any written confirmation and dispute any inaccuracies with the collection agency as per the Fair Credit Reporting Act.

If the debt is confirmed, consider these steps to potentially remove it:

1. Negotiate a pay-for-delete agreement with the collector in writing.
2. Offer a good faith partial settlement payment and request deletion as a goodwill gesture.
3. Hire a credit repair service to dispute the debt on your behalf and provide legal resources for removal.
4. Wait for the debt to fall off your report naturally after 7 years.
5. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
6. Consult a consumer law attorney to review if the collector broke laws, allowing you to sue for removal and damages.
7. Maintain detailed written records of your efforts to resolve the disputed collection account.

Remember, it’s crucial to first verify the debt’s legitimacy before taking action. With persistence and proper documentation, you can work towards removing collections from your credit report.

What Feedback And Comments Do People Leave About 800-270-7919?

Many people have left negative feedback and comments about the phone number 800-270-7919, which is associated with Midland Credit Management, a debt collector. Some individuals report receiving multiple calls per day, causing frustration and annoyance. If you are receiving calls from this number and do not owe any debt, consider blocking the number or seeking guidance from a consumer protection agency.

Understand your rights under the Fair Debt Collection Practices Act (FDCPA) and document all debt collection calls. If you believe your rights have been violated, file a complaint with the relevant authorities and consider seeking compensation. To identify if the unknown call is from a debt collector, check your voicemail messages. You can also block the number using your phone carrier services, call blocking apps, or smartphone settings.

To address the underlying debt and protect your rights, consult non-profit credit counselors or consumer protection attorneys. Send a cease and desist letter via certified mail and check your state laws for further protection. Request written validation of the debt through a debt validation letter, review the validation for accuracy, and dispute any incorrect information.