858-505-1237

What Company Is Calling Me From 858-505-1237? Are They A Scam And Why Are They Calling Me?

The phone number 858-505-1237 is linked to Midland Credit Management, a debt collection agency. However, many complaints have arisen about scam calls from this number, possibly attempting to acquire personal information under false pretenses. Midland Credit Management denies any involvement in such automated calling systems, and it is likely that these calls are scams. To ensure your safety, always be cautious when sharing personal information with unknown callers. If you suspect a call from 858-505-1237 to be fraudulent, report it to the FTC or CFPB and add your number to the National Do Not Call Registry. Midland Credit Management’s authentic phone number is 1-800-296-2657.

How Can I Block Or Stop Calls From 858-505-1237?

First, let the unknown call go to voicemail and do not answer directly. This will help identify if the call is from a debt collector. If it is, contact your phone carrier to block the number permanently or use call blocking apps like Nomorobo or Hiya. Another option is to set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

To further address the issue, send a cease and desist letter via certified mail demanding no further calls. Check if your state has additional laws prohibiting collection calls. Consult 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.

Blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts. Remember, always be cautious when providing personal information to unknown callers, and report suspected scam calls to the FTC or CFPB.

Is 858-505-1237 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is in place to protect consumers from unfair or abusive debt collection practices. If you’re receiving calls from the number 858-505-1237, associated with Midland Credit Management, remember that you have rights as a consumer. To document potential FDCPA violations, note the date, time, frequency, phone number, and details of all calls. Pay attention to whether they call outside of allowed hours (8am – 9pm in your time zone), call too frequently, or use abusive language.

To assert your rights, revoke any prior consent given to call outside normal hours, request them to cease contact at your workplace if prohibited, send a cease and desist letter, and verbally request they stop calling during any conversation. If you believe there have been violations, report them to the Consumer Financial Protection Bureau (CFPB) to open an investigation. Consult with a consumer protection attorney regarding your specific rights and options, and contact your state Attorney General’s office for guidance.

It is crucial to adhere to the FDCPA and assert your rights to prevent further harassment from debt collectors. Keep detailed records and report any violations to the appropriate authorities.

If 858-505-1237 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 858-505-1237 is a debt collector, the first step to validate the debt is to send a debt validation letter via mail. This is required under the Fair Debt Collection Practices Act (FDCPA). After receiving the validation, thoroughly review the information to ensure it’s accurate and matches your personal details, the creditor’s name, account number, and the amount owed. If there are any discrepancies, dispute them in writing and request their removal from your credit report.

Once the debt is validated, consider the following options: negotiate a settlement or payment plan in writing, offer a partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange. If the collector violates FDCPA regulations, assert your rights. Consult a non-profit credit counseling agency or an attorney to explore options such as bankruptcy or legal action against the collector.

Maintain detailed records of all correspondence and calls, and withdraw any prior verbal or written permission given to contact you outside FDCPA guidelines. Always confirm if a caller is legitimate before providing any personal information. If you suspect a scam, report it to the FTC or CFPB and add your number to the National Do Not Call Registry.

Can 858-505-1237 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 858-505-1237 is a debt collector, they can potentially sue you for the amount owed. If they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, consider negotiating affordable payments, asserting inability to pay, seeking credit counseling, or hiring an attorney. Settling a debt can make sense to avoid legal action, but ensure any settlement terms or agreements are in writing and affordable based on your budget. Always be cautious when providing personal information to unknown callers, and report suspected scam calls to the appropriate authorities.

If 858-505-1237 Is A Collection Company, How Can I Remove It From My Credit Report?

If 858-505-1237 is a debt collection company, you can remove it from your credit report by following these steps:

1. Validate the debt: Request written confirmation from the collector and review it carefully. If any information is incorrect, send a written dispute stating the debt is inaccurate per the Fair Credit Reporting Act.

2. Negotiate a pay-for-delete agreement: If the debt is valid, try negotiating a settlement in exchange for removal. Offer a good faith partial payment and request deletion as a gesture of goodwill.

3. Hire a credit repair service: They can dispute the debt on your behalf.

4. Wait for the 7-year limit: If the debt is older than 7 years, it will automatically fall off your report.

5. File a complaint: If the collector violates laws, file a complaint with the Consumer Financial Protection Bureau.

6. Consult an attorney: If the collector broke laws, consult a consumer law attorney to sue for removal and damages.

7. Keep records: Maintain detailed written records of your efforts to resolve the disputed collection account.

Remember to first determine if the debt is legitimate before taking action. Proactively validating debts, negotiating with collectors, and asserting your rights can help remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 858-505-1237?

People have left various feedback and comments about 858-505-1237, a phone number associated with Midland Credit Management. Many report receiving multiple calls from India, some automated and others uncooperative. These calls are considered harassment and often occur after the Equifax data breach for some individuals. To stop these calls, you can block the number or report it to the Do Not Call registry. If rights have been violated, you may be eligible for damages under the Fair Debt Collection Practices Act. It is important to be cautious when sharing personal information with unknown callers and report any suspected scam calls to the FTC or CFPB. This will help protect you from potential fraud and harassment.