Receiving harassing phone calls from debt collectors can be a stressful experience for anyone.
It can be even more stressful when the calls come from a number you don’t recognize, like 877-591-3236. This number belongs to Midland Credit Management, a debt collection agency. If you are receiving harassing phone calls from this number, here are some steps you can take to put a stop to it:
Verify that the calls are from Midland Credit Management: If you’re not sure if the calls are from Midland Credit Management, ask the caller for their name and company. You can also check the caller ID on your phone to see if the number matches the one associated with Midland Credit Management. Once you’ve confirmed the identity of the caller, move on to the next step.
Understand your rights under the Fair Debt Collection Practices Act (FDCPA): The FDCPA is a federal law that regulates the behavior of debt collectors. It prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts. For example, debt collectors cannot call you before 8:00 a.m. or after 9:00 p.m., and they cannot harass or threaten you. Knowing your rights under the FDCPA can help you understand what debt collectors are and are not allowed to do.
Keep a record of the calls: If you are receiving harassing phone calls from Midland Credit Management, keep a record of the calls. Write down the date and time of each call, the name of the person calling, and what was said during the call. This information can be helpful if you decide to file a complaint against the debt collector.
Ask the debt collector to stop calling: You have the right to ask a debt collector to stop calling you. You can do this by sending a letter to the debt collector requesting that they stop contacting you. Once the debt collector receives your letter, they are not allowed to contact you again except to say that they will stop contacting you or to inform you that they are taking a specific action, such as filing a lawsuit.
File a complaint with the Consumer Financial Protection Bureau (CFPB): If you are still receiving harassing phone calls from Midland Credit Management after asking them to stop, you can file a complaint with the CFPB. The CFPB is a government agency that regulates the behavior of debt collectors. They can investigate your complaint and take action against the debt collector if necessary.
Receiving harassing phone calls from a debt collector can be a frustrating and stressful experience. However, it’s important to remember that you have rights under the FDCPA. By taking the steps outlined above, you can put a stop to the harassing phone calls from Midland Credit Management and protect your rights as a consumer.
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
