800-897-3119

What Company Is Calling Me From 800-897-3119? Are They A Scam And Why Are They Calling Me?

The company calling from 800-897-3119 is most likely MCM, a debt collector. However, there are numerous negative reviews and scam reports associated with this number, so be cautious when receiving calls from this number. Do not provide personal or financial information without verifying the caller’s identity. Debt collectors must follow rules and regulations, such as identifying themselves and providing verification of the debt. If a call seems suspicious, verify the number online or contact MCM directly. Keep a record of any calls for potential dispute or further action.

How Can I Block Or Stop Calls From 800-897-3119?

First, identify if the unknown number is indeed a debt collector by letting the calls go to voicemail and listening to the messages left. Once you have identified the call as coming from a debt collector, take action to block the number. Contact your phone carrier and request to permanently block the number through customer support or your online account. Utilize 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. 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 and 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. 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. 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 800-897-3119 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re receiving calls from 800-897-3119 and suspect it might be a debt collector violating the Fair Debt Collection Practices Act (FDCPA), it’s important to know your rights and how to protect yourself. Under the FDCPA, you have certain protections and rights regarding debt collection calls, including those from MCM.

To document potential FDCPA violations, record the date, time, frequency, phone number, and details of all calls. Note if they call outside allowed hours of 8am – 9pm in your time zone, call repeatedly over a short period, or use abusive language.

Assert your rights by revoking any prior consent given to call outside normal hours, requesting they cease contact at your workplace, sending a cease and desist letter, or verbally asking them to stop calling during any conversation.

If you believe violations have occurred, report them to the Consumer Financial Protection Bureau, consult a consumer protection attorney, contact your state Attorney General’s office, or ask a credit counselor for guidance on addressing the debt without incurring further collection calls.

Remember to adhere to the FDCPA and keep detailed records to prevent further harassment from debt collectors.

If 800-897-3119 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 800-897-3119, be cautious and ensure you verify the identity of the caller before sharing any personal or financial information. MCM, the company associated with this number, has received negative reviews and scam reports. To validate the debt, request written validation by mailing a debt validation letter to the collector. They are legally required to provide this under the FDCPA.

Once the debt is validated, consider negotiating 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. Formally assert your rights under the FDCPA if the collector violates regulations. Consult a non-profit credit counseling agency for guidance on negotiating debt resolution or 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, and revoke any prior verbal or written permission given to contact you outside FDCPA guidelines. The key is to never ignore 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 800-897-3119 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 800-897-3119 is a debt collector, they can sue you for the outstanding debt and potentially garnish your wages. To avoid legal action, negotiate affordable payment terms in writing, assert your inability to pay, seek guidance from a non-profit credit counselor, or consult a consumer law attorney. Bankruptcy could be an option if debts are overwhelming. Document all calls and efforts to address the debt, and be cautious when receiving calls from unknown numbers. Before settling, ensure the payment plan is realistic and get any settlement terms in writing. Seek assistance to understand your options and rights to make informed decisions.

If 800-897-3119 Is A Collection Company, How Can I Remove It From My Credit Report?

First, verify 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 are 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. Hire a credit repair service to dispute the debt on your behalf, or wait out 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. Keep detailed written records showing your efforts to resolve the disputed collection account. Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 800-897-3119?

People often leave negative feedback and comments about 800-897-3119, as it is associated with MCM, a debt collector. Users report receiving automated or call center voicemails from this number, requesting contact to discuss debt-related matters. The number is believed to be a landline phone and associated with scam calls. Users advise against engaging with calls from this number and recommend caution when dealing with unknown callers asking for personal information.

In a nutshell, 800-897-3119 is a phone number linked to MCM, a debt collection agency that has received numerous negative reviews and scam reports. It is crucial to be cautious when receiving calls from this number and avoid sharing personal or financial information without verifying the caller’s identity. To ensure compliance with regulations, debt collectors must identify themselves and provide debt verification.

If a call seems suspicious, verify the number online or contact MCM directly. Keep records of calls for potential disputes or further action. To identify if the unknown number is a debt collector, be aware of the FDCPA protections for consumers and request written validation of the debt through a debt validation letter. Additionally, block the number and set unknown calls to voicemail for added protection.