Midland Credit Management Phone Harassment does not have to stress you out. Does your phone ring every day, several times per day? Has Midland Credit Management threatened you legal action? Finally, do you wish there was a way to make the calls stop? You came to the right place. The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
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 robo-signed 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.
Types of Midland Credit Management Phone HarassmentIf Midland Credit Management engages in any of the following tactics, you may have a case:
- Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call
- Talking to others about your debt
- Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work.
- Use any profane language or any language that is harassing and abusive
- Engage in any conduct, the natural consequence of which is to harass, abuse or oppress.
- Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment(
- Threaten arrest or criminal prosecution
- Send false information to the credit bureaus
- Cause a telephone to ring an unreasonable amount of times