As a consumer, it’s important to know your rights when dealing with debt collection agencies. Midland Credit Management is one such agency that operates in the United States and may contact you from phone number 877-366-0628. Here are some important things to keep in mind:
Verification of the Debt: Debt collection agencies are required by law to provide written verification of the debt they are trying to collect. This verification must include the amount of the debt, the name of the original creditor, and the date of the last payment made. You have the right to request this verification within 30 days of receiving the initial communication from the agency.
Limits on Contact: Debt collectors are not allowed to harass or abuse consumers in order to collect a debt. This includes calling at unreasonable times (before 8:00 am or after 9:00 pm), calling repeatedly, or using profane language. If a debt collector crosses the line, you have the right to file a complaint with the Consumer Financial Protection Bureau or take legal action.
Cease and Desist: If you do not wish to be contacted by a debt collector, you can send a written request asking them to stop all communication. After receiving this request, the agency may only contact you to confirm receipt of the request or to inform you of legal action they plan to take.
Validation of the Debt: If you dispute the debt that a collection agency is attempting to collect, you have the right to request validation of the debt. This request must be made in writing within 30 days of receiving the initial communication from the agency. The agency must then provide proof that the debt is valid.
Legal Action: If a debt collector violates your rights under the Fair Debt Collection Practices Act, you have the right to sue them in state or federal court. If you win, you may be entitled to damages, including court costs and attorney fees.
It’s important to be aware of your rights as a consumer when dealing with debt collection agencies like Midland Credit Management. If you feel that your rights have been violated, you can file a complaint with the Consumer Financial Protection Bureau or seek legal action.
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
