Have you been receiving incessant phone calls from 866-322-8142? This number is associated with Midland Credit Management. These unwanted and excessive phone calls can amount to debt harassment, which can have deleterious effects on the consumer’s mental and emotional well-being.
If you are getting unwanted and unwarranted phone calls from Midland Credit Management, it is crucial to take proactive steps to put a stop to this harassment. Firstly, you should verify that the phone calls are indeed originating from Midland Credit Management. This can be done by politely asking the caller for their name and the name of the company they represent. It may also be helpful to check the caller ID on the phone to confirm the number and identity of the caller.
You should also be aware of your rights under the Fair Debt Collection Practices Act (FDCPA), a federal law that sets out rules and regulations governing the behavior of debt collectors. This law prohibits debt collectors from engaging in abusive, unfair, or deceptive practices when attempting to collect debts. For example, debt collectors are prohibited from making phone calls before 8:00 a.m. or after 9:00 p.m., and they are not allowed to engage in threatening or harassing behavior.
It is highly recommended that you maintain a meticulous record of each phone call they receive from Midland Credit Management. This can include the date and time of the call, the name of the caller, and a brief summary of the conversation. This record can be useful if the consumer decides to file a complaint against the debt collector.
You also have the right to request that the debt collector stop contacting them. This can be done by sending a formal letter to the debt collector requesting that they cease all communication. Upon receipt of this letter, the debt collector is required to stop all further communication except to acknowledge the request or to notify the consumer of specific actions they may take, such as filing a lawsuit.
Finally, if you continue to receive harassing phone calls from Midland Credit Management, despite requesting that they stop, they may file a complaint with the Consumer Financial Protection Bureau (CFPB). This federal agency is responsible for regulating debt collectors and has the power to investigate the consumer’s complaint and take appropriate action against the debt collector.
Receiving excessive and unwanted phone calls from debt collectors can be an arduous and emotionally taxing experience. However, by being aware of their rights and taking proactive steps to put a stop to debt harassment, consumers can protect themselves from abusive debt collection practices.
Other Possible Midland Credit Management Phone Numbers
Some of the phone numbers that Midland Credit Management may use include: