Midland Credit Management Phone Harassment

Are you being harassed by Midland Credit Management? Some debt collectors are fond of harassing debtors in a bid to get them to pay up their debts. It is frustrating to be seeking ways to settle your debt and still be getting harassed by debt collectors at the same time.

This goes without saying that if you are currently being harassed by debt collectors, you do not have to put up with that. Your rights as a consumer are protected and federal laws like FDCPA, TCPA, and FCRA have made provisions to ensure that you are not harassed just because you owe debts to your creditor.

If you can not afford to pay your debt in full at the moment, negotiating with your debt collector is an option you may want to consider. Debt collectors may not accept to have you pay less than you owe but they may agree on a more convenient payment plan for you that suits your monthly income.

Debt collection Agencies, Creditors, and Credit Reporting Agencies must respect your rights according to federal law. If you suspect that your rights are being violated, reach out to us on 877-700-5790.

What you should know before negotiating with debt collectors

If you are considering negotiating with a debt collector, there are things you must know to properly maximize the situation. Debt collectors have a lot of experience and may end up getting you to agree to less-than-favorable terms if you go into a negotiation without a proper knowledge of how the process works.

  • Know your rights: You must have an awareness of your rights under the various federal laws that govern debt collectors’ activities. Having this knowledge will make you more confident and logical when speaking with a debt collector.
  • Do your research about the debt collection agency: In every negotiation, understanding the other party gives you an edge. It is the aim of every debt collector to make money by getting you to pay your debts. You must be aware of that.
  • Make a debt validation request: The fact that you got called about a debt does not mean that it is yours. Mistakes happen all the time with collection agencies hence the necessity for confirming if the debt is actually yours. This will prevent you from paying a bill that is not yours.
  • Figure out how much you can pay and how it will affect you: To properly negotiate, you must have made a plan on your finances so as to know if you can afford to pay your debts and how to go about it. You need this information to productively negotiate.
  • Start low: When you start negotiating, offer to pay way less than you have in mind. The debt collector may reject or accept the offer. Do not be moved or afraid regardless, keep negotiating until you arrive at a payment agreement that is favorable to you.
  • Pen it down: Whatever agreement is made between the collector and you should be put into writing.

Who is Midland Credit Management   

Midland Credit Management is a licensed debt collector in all 50 states. Midland Credit Management Inc, operates as a subsidiary of Encore Capital Group, Inc. Together, they form the nation’s largest debt buyer and collector.

In 2015 the Consumer Financial Protection Bureau (CFPB) took action against the nation’s two largest debt buyers and collectors for using deceptive tactics to collect bad debts. The Bureau found that Encore Capital Group and Portfolio Recovery Associates bought debts that were potentially inaccurate, lacking documentation, or unenforceable. Without verifying the debt, the companies collected payments by pressuring consumers with false statements and churning out lawsuits using falsified court documents. The CFPB ordered the companies to overhaul their debt collection and litigation practices and furthermore to stop reselling debts to third parties. The CFPB required Encore to pay up to $42 million in consumer refunds, a $10 million penalty, and also stop collection on over $125 million worth of debts.

Contact Information 

2365 Northside Dr. Ste 300

San Diego, CA 92108-2709

(800) 825-8131

Is Midland Credit Management a Scam?

According to the Better Business Bureau website, Midland Credit Management has been in business for 66 years. MCM helps consumers resolve past-due debt obligations by providing education and payment plans.  There have been 306 customer complaints against them which include billing/collection issues. Read more more about it here: Midland Credit Management BBB Page 

Facing harassment from these MCM numbers?

913-312-3223,303-255-5352,303-255-5349, 614-729-5609,614-729-6087,614-212-5287,614-212-5288, 844-271-2816, 720-728-3217, 614-212-7500, 877-475-3483, 913-577-5000, 614-729-6090, 720-456-3686, 303-255-5349, 614-534-2515, 303-255-5352, 614-729-6090,303-255-5354, 614-534-2519, 614-212-5293, 614-729-6091, 614-754-4060, 913-563-5511, 720-456-3687, 913-563-5510, 614-729-6087, 913-312-3223, 614-729-5609, 614-754-4132, 614 754-4136, 801-438-8376, 208-719-3271, 303-255-5054, 614-729-7086, 614-754-4137, 614-534-2525, 614-534-2547, 877-411-5551, 858-251-1496, 248-216-1535, 866-580-4780, 800-282-2644, 858-309-6964, 888-265-8825 (877)411-5551, (858)251-1496, (248)216-1535, (866)580-4780, (800)282-2644, (858)309-6964, (888)265-8825 614-729-6090,  303-255-5349 

Stop the automated calls and unsolicited text messages. Regain your peace of mind while ensuring the debt collectors pay for the violation of your rights. Contact a professional to understand debt harassment laws better and to stop Midland Credit Management from contacting you illegally.

The following is a sample list of complaints filed against Midland Credit Management in 2019 and can be found on Pacer.

3:2014cv01001 Edwards v Midland Credit Management

1:2014bk55176 Shuan Andrew Lawrence v Midland Credit Management

3:2015cv01333 Paschke v Midland Credit Management 

3:2013cv02233 Stonemets v Midland Credit Management 

1:2012bk02903 Alvin Gabriel Quinonez v Midland Credit Management 

About Us

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Midland Credit Management. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at (877)700-5790 for immediate assistance.

You can also file a complaint directly with the following government entities: Please click on the links below.

Federal Trade Commission

Attorney General California

Consumer Finance 

https://consumerlawfirmcenter.com/calvary-recovery-services-harassment/

https://consumerlawfirmcenter.com/calvary-recovery-services-harassment/

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