Midland Financial Services Debt Collection Harassment?

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Midland Financial Services Debt Collection Harassment?

Midland Financial Services Debt Collection Harassment? Is Midland Financial Services harassing you over a debt? If so, you may be experiencing Midland Financial Services harassment under the FDCPA. In case you’re wondering who, Midland Financial Services is and why they are calling you, Midland Financial Services is a third-party collection agency and they most likely are calling you to talk about some money they think you owe. When an individual falls behind on their bills, their original creditor begins to pursue them in an attempt to retrieve the money they owe, but this is short-lived. Usually, creditors who pursue debts, pursue it for only about 100-120 days, after this time, they hire a professional debt collector like Midland Financial Services debt collection and hand over the account with the delinquent debt to them. These professional debt collectors are called third-party collection agencies or third-party debt collectors.

When an account gets sent to a debt collector like Midland Financial Services collections, your credit report gets affected because a collection begins to appear on it which automatically affects your credit score. After this happens, the calls from the collection agency begin to come in. Many times, these calls are not the nicest. Debt collectors have successfully built a reputation for themselves as scary and dreadful entities.

Only a few people can attest to having great experiences with debt collectors. If you are currently experiencing harassment from a collection agency, know that it is illegal and can be stopped. You do not have to put up with Midland Financial Services debt collection harassment; the FDCPA says so. The Fair Debt Collection Practices Act puts a limit on what debt collectors can do to you. According to the FDCPA, debt collectors are not allowed to use any unfair, deceitful, or harassing method when trying to recover a debt from you. If Midland Financial Services begins to harass you with calls, threaten to send you to jail, harm you, or call your loved ones, they are violating the FDCPA, and you can sue them and get awarded for damages.

Call us immediately at 877-700-5790 to begin the process.

Understanding Debt Collection Harassment: Know Your Rights and How to Protect Yourself

Debt collection is a legitimate part of the credit ecosystem, enabling lenders to recover funds from individuals who have defaulted on their loans. However, when debt collection practices cross the line into harassment, it becomes a serious issue that can cause emotional distress and financial anxiety for the affected individuals. Understanding what constitutes debt collection harassment, knowing your rights, and learning how to protect yourself are crucial steps in managing this challenging situation.

What is Debt Collection Harassment?

Debt collection harassment occurs when a debt collector uses unfair, deceptive, or abusive practices to collect a debt. This can include excessive calls, threats, public disclosure of debts, false representation, and more. The Fair Debt Collection Practices Act (FDCPA) of 1977 in the United States provides guidelines to prevent such behavior and protect consumers.

Common Forms of Debt Collection Harassment
  1. Frequent and Abusive Calls: Debt collectors may call repeatedly and at inconvenient times, such as early in the morning or late at night. These calls can be aggressive and intimidating.
  2. Threats and Intimidation: Collectors might threaten violence, arrest, or legal action that they cannot or do not intend to take. They might also use profane or abusive language.
  3. Misrepresentation: Some collectors falsely represent themselves as attorneys or government officials, or mislead the debtor about the amount owed.
  4. Public Disclosure of Debts: Revealing details of your debt to unauthorized third parties, such as family members, friends, or employers, is another form of harassment.
  5. Harassing Third Parties: Contacting friends, family, or neighbors about your debt, often in a bid to embarrass or pressure you into paying.
  6. Unjustified Charges: Adding unauthorized fees, interest, or other charges to your debt.

Legal Protections Under the FDCPA

The FDCPA outlines several protections for consumers to curb abusive debt collection practices:

  • Time Restrictions: Debt collectors are prohibited from contacting you before 8 a.m. or after 9 p.m., unless you agree to it.
  • Cease and Desist Communications: You have the right to request in writing that a debt collector stops contacting you. Once they receive your request, they can only contact you to confirm they will stop communications or to inform you of specific actions they are taking.
  • Prohibition of Threats and Misrepresentation: Collectors cannot use threats of violence, false representation, or unfair practices to collect a debt.
  • Third-Party Communications: Collectors cannot discuss your debt with anyone other than you, your spouse, or your attorney without your consent.
  • Validation of Debt: You have the right to request a validation notice from the collector, which must include the amount of the debt, the name of the creditor, and your right to dispute the debt within 30 days.

How to Protect Yourself from Debt Collection Harassment

  1. Know Your Rights: Familiarize yourself with the FDCPA and other relevant laws in your jurisdiction. Knowledge is your first line of defense.
  2. Keep Records: Maintain detailed records of all communications with debt collectors, including dates, times, and the nature of the conversation. This documentation can be crucial if you need to file a complaint or take legal action.
  3. Request Written Communication: Whenever possible, request that the debt collector communicates with you in writing. This can help reduce the frequency of harassing phone calls and provides a paper trail.
  4. Send a Cease and Desist Letter: If the harassment continues, send a written request to the debt collector to stop all communication. Send this letter via certified mail with a return receipt requested so you have proof of delivery.
  5. Dispute the Debt: If you believe the debt is not yours or the amount is incorrect, you have the right to dispute it. Send a written dispute letter to the debt collector within 30 days of their initial contact.
  6. Contact a Consumer Protection Attorney: If the harassment persists, seek legal advice. An attorney specializing in consumer protection can help you understand your rights and represent you in legal proceedings if necessary.
  7. Report to Authorities: File a complaint with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and your state’s attorney general. These agencies can investigate and take action against abusive debt collectors.

Real-Life Impacts of Debt Collection Harassment

Debt collection harassment can have severe emotional and psychological impacts on individuals. Continuous harassment can lead to stress, anxiety, depression, and even suicidal thoughts. It can also strain relationships and affect a person’s ability to work and perform daily activities.

Case Study: The Smith Family

The Smith family’s ordeal with a debt collector began when they fell behind on their credit card payments due to unexpected medical expenses. Despite their efforts to communicate and negotiate with the creditor, the debt was handed over to a collection agency known for its aggressive tactics.

The Smiths started receiving multiple calls a day, including at odd hours, and the collector even contacted their neighbors. The stress and embarrassment took a toll on their mental health and family dynamics.

Feeling overwhelmed, they sought help from a consumer protection attorney, who helped them understand their rights and sent a cease and desist letter to the collector. The harassment stopped, and they were able to work out a manageable payment plan directly with the creditor.

Moving Forward: Building a Debt-Free Future

Dealing with debt collection harassment is undoubtedly challenging, but there are steps you can take to move towards a debt-free future:

  1. Budgeting and Financial Planning: Create a realistic budget that accounts for all your expenses and debts. Prioritize your debts and plan your payments to avoid falling behind.
  2. Seek Financial Counseling: Non-profit credit counseling agencies can provide valuable advice and resources to help you manage your debts and improve your financial situation.
  3. Debt Consolidation and Management Plans: Consider consolidating your debts or enrolling in a debt management plan (DMP). These options can simplify your payments and potentially reduce interest rates.
  4. Improve Your Credit Score: Work on improving your credit score by making timely payments, reducing your debt-to-income ratio, and monitoring your credit report regularly.
  5. Stay Informed: Keep yourself updated on consumer rights and financial laws. Knowledge can empower you to take control of your financial situation and protect yourself from unfair practices.


Debt collection harassment is a serious issue that affects many individuals and families. Understanding your rights under laws like the FDCPA, keeping thorough records, and taking proactive steps to manage and dispute your debts can help protect you from abusive practices. Remember, you are not alone, and there are resources and professionals available to support you in overcoming these challenges and working towards a debt-free future.

Empower yourself with knowledge, seek assistance when needed, and take control of your financial well-being. Harassment should never be tolerated, and with the right strategies, you can defend your rights and achieve financial stability.


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 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 Financial Services. 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.


Consumer Financial Protection Bureau

Midland Financial Services Debt Collection Harassment?
Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.