800-693-8044

What Company Is Calling Me From 800-693-8044? Are They A Scam And Why Are They Calling Me?

The company associated with 800-693-8044 is Midland Credit Management, as reported by a user named “Pia” on 1-24-2023. However, the number has been flagged as a potential scam, with callers requesting personal information immediately after greeting. It is advised to exercise caution when receiving calls from this number and not share personal details. For call legitimacy verification, contact the company directly through their official customer service channels.

Ultimately, ensure you understand your rights under the Fair Debt Collection Practices Act (FDCPA) and take necessary measures to protect yourself from potential scams.

How Can I Block Or Stop Calls From 800-693-8044?

First, let the unknown calls go to voicemail and check the messages left. If it’s a debt collector, take action to block their number. Contact your phone carrier to permanently block the number or use call blocking apps like Nomorobo or Hiya.

Next, set contacts not in your address book to go straight to voicemail or be blocked on your smartphone. Once you have identified the number as a debt collector, send a cease and desist letter via certified mail, demanding no further calls.

Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action. Consider consulting a non-profit credit counselor to help negotiate resolution of the debt or speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 800-693-8044 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the number 800-693-8044, it is crucial to know your rights under the Fair Debt Collection Practices Act (FDCPA). The FDCPA is designed to shield consumers from abusive practices by debt collectors. To ensure your rights are being respected, follow these steps:

1. Document all calls, including the date, time, frequency, phone number, and details of the conversation.
2. Verify if the calls are being made outside the allowed hours of 8am-9pm in your time zone.
3. Monitor the frequency of calls, as excessive calling may be a violation of the FDCPA.
4. Keep a record of any abusive, threatening, or obscene language used during the calls.

To assert your rights, you can:

1. Revoke any prior consent given to call outside normal hours.
2. Formally request that the collector cease contact at your workplace if it is prohibited by your employer.
3. Send a cease and desist letter via certified mail, demanding no further contact.
4. Verbally request the collector to stop calling during any conversation.

If you believe the collector is violating the FDCPA, you can:

1. Report the violations to the Consumer Financial Protection Bureau to open an investigation.
2. Consult with a consumer protection attorney to discuss your rights and options, including suing for damages.
3. Contact your state Attorney General’s office for guidance on FDCPA violations.
4. Seek assistance from an experienced credit counselor to address the debt without incurring further collection calls.

By understanding your rights and following these steps, you can protect yourself from harassment and potential FDCPA violations by debt collectors.

If 800-693-8044 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate if 800-693-8044 is a debt collector and understand your options, follow these steps:

1. Determine if the call is from a debt collector by asking the caller to identify themselves and the company they represent.
2. If you suspect the call is from a debt collector, request written validation of the debt by mailing a debt validation letter to the collector.
3. Carefully review the validation for accuracy, checking your personal details, creditor name, account number, and amount owed.
4. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once validated, consider these 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 in exchange.
– Assert your rights under the FDCPA if the collector violates regulations.
– Consult a non-profit credit counseling agency for guidance on debt resolution.
– 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.

Always confirm if the debt is valid and exercise your consumer rights under federal and state law before deciding on the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 800-693-8044 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

First, be cautious when receiving a call from 800-693-8044, as it has been associated with potential scams. Verify the legitimacy of the call by contacting the company through their official channels. If the call is from a debt collector, they may sue you or garnish your wages if the debt is legitimate. To avoid legal action, you can negotiate affordable payment plans, assert inability to pay, seek guidance from a non-profit credit counselor or attorney, or consider bankruptcy.

Before agreeing to settle the debt, carefully consider the proposed payment plan’s affordability and get any settlement terms or agreements in writing. Remember that a collector can still sue if you default on a settlement, and settling for a lump sum that you can’t afford may do more long-term financial harm. Seek assistance to understand your options and rights first.

If 800-693-8044 Is A Collection Company, How Can I Remove It From My Credit Report?

If 800-693-8044 is a collection company, you can remove it from your credit report by following these steps:

1. Validate the debt’s legitimacy by requesting written confirmation from the collection agency.
2. Review the validation carefully to ensure your personal details and the debt information are accurate.
3. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act (FCRA).
4. Demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider the following options:

5. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal.
6. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
7. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.
8. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.
9. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information.
10. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

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 800-693-8044?

People have left various feedback and comments about the phone number 800-693-8044. The majority of the comments indicate that this number is associated with unsolicited calls, spam, and scam suspicions. Users have reported robocalls, recorded messages, and silent calls from this number. It is recommended to block this number and be cautious when answering calls from this phone number.

In essence, the feedback and comments about 800-693-8044 suggest that it is a number linked to potential scams and unwanted calls. Users have experienced robocalls, recorded messages, and silent calls, raising concerns about the legitimacy of the calls. To protect yourself from potential scams, it is essential to exercise caution when receiving calls from this number and not share personal information.

Ultimately, it is crucial to verify the legitimacy of calls from this number by contacting the company through their official customer service channels. Additionally, consider identifying if the unknown call is from a debt collector and understand your rights under the Fair Debt Collection Practices Act (FDCPA). To further protect yourself, block the number through your phone carrier or call blocking apps, send a cease and desist letter to demand no further calls, and document details of debt collection calls for potential legal action. Consult a non-profit credit counselor or attorney to negotiate debt resolution and understand your rights as a consumer.