Debt harassment phone calls from Midland Credit Management at 248-216-1545 can be incredibly stressful and overwhelming for consumers. These calls often come at inconvenient times, and the constant reminders of outstanding debts can be difficult to handle. Fortunately, there are steps that consumers can take to stop these calls and protect their rights.
The first step in stopping debt harassment phone calls from Midland Credit Management is to understand your rights as a consumer. The Fair Debt Collection Practices Act (FDCPA) is a federal law that outlines the rules that debt collectors must follow when attempting to collect a debt. Under this law, debt collectors are prohibited from engaging in certain behaviors, including calling consumers at unreasonable times or using threatening or abusive language.
If you receive a call from Midland Credit Management, from phone number 248-216-1545, that violates your rights under the FDCPA, it is important to document the call. Write down the time and date of the call, the name of the person who called you, and a summary of the conversation. This information can be used as evidence if you decide to take legal action against the debt collector.
The next step is to contact Midland Credit Management and request that they stop calling you. You can do this by sending a letter requesting that they cease all communication with you. This letter should be sent via certified mail so that you have proof of receipt. Once Midland Credit Management receives your letter, they are required by law to stop calling you.
If you continue to receive calls from Midland Credit Management after sending a letter requesting that they stop, you may want to consider filing a complaint with the Consumer Financial Protection Bureau (CFPB). The CFPB is a government agency that is responsible for enforcing consumer protection laws. You can file a complaint online or by calling their toll-free hotline.
It is also important to note that you have the right to dispute the debt that Midland Credit Management is attempting to collect. Under the FDCPA, you have 30 days from the first contact with the debt collector to dispute the debt in writing. If you dispute the debt, Midland Credit Management must provide you with verification of the debt, including the name of the original creditor and the amount of the debt.
In conclusion, debt harassment phone calls from companies like Midland Credit Management, from phone number 248-216-1545, can be overwhelming and stressful, but there are steps that consumers can take to protect their rights. By understanding the FDCPA and documenting any violations, sending a cease and desist letter, filing a complaint with the CFPB, and disputing the debt, consumers can stop these calls and take control of their financial situation.
Other Possible Midland Credit Management Phone Numbers
Some of the phone numbers that Midland Credit Management may use include:
(855) 254-7841
(855) 254-7841
