How to Stop Unwanted Calls from Midland Credit Management and Protect Your Rights

Have you ever received calls from Midland Credit Management (MCM) about an account that doesn't belong to you? If so, you're not alone. Many individuals have faced similar situations. MCM, a well-known debt collection company, often contacts the wrong person or has inaccurate information about the debt. Here are steps you can take to stop these calls and protect your rights:

Understanding Midland Credit Management (MCM)

Midland Credit Management is a debt collection company that purchases debts from original creditors and tries to collect the money from the consumers who owe it. However, mistakes can happen, and sometimes MCM contacts the wrong person or misidentifies the debt. This article will outline the steps you can take to deal with such a situation.

Steps to Take

1. Request a Written Communication

One of the most effective ways to make MCM cease its calls is by sending a written request. According to the SoloSuit Blog, upon receiving a certified letter, they must stop all communication. Send a letter requesting that they stop contacting you:

Address the letter to Midland Credit Management Specify that you have received calls about a debt that does not belong to you Request that they cease all communication Include your contact information and signature

Make sure to keep a copy of the letter and any mailed correspondence for your records.

2. Verify the Debt

If you are certain that the account does not belong to you, request verification of the debt. Debt collectors are required to provide proof that you owe the debt if you dispute it. Ask MCM to provide documentation that shows you are responsible for the debt.

3. Dispute the Debt

Once you have verified that the debt is not yours, you can dispute it in writing. Inform MCM that you are not the owner of the account and provide any evidence or information that supports your claim. Keep a record of all communications and any evidence you gather.

4. File a Complaint

If MCM continues to harass you or refuses to stop calling, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) and your state's Attorney General's office. Provide them with details of the situation and any evidence you have. You can find more information on how to file a complaint on the CFPB's website.

Here are some additional resources for further information:

How to Stop Calls From 877-366-0169 Stop Midland Credit Management Collection Calls How to Handle Debt Collection Calls

5. Protect Your Rights with Legal Guidance

If the calls persist and you believe your rights under the Fair Debt Collection Practices Act (FDCPA) have been violated, consider consulting with an attorney who specializes in debt collection harassment. They can provide guidance on how to proceed and protect your rights.

Multistep approach to addressing the issue: First, request a written communication to stop the calls. Second, verify the debt to ensure it belongs to you. Third, dispute the debt if it is not yours. Fourth, file a complaint if the issue persists. Finally, consult with an attorney for legal advice if necessary.

In conclusion, you have the right to stop unwanted calls from Midland Credit Management. By taking the appropriate steps, you can protect your rights and ensure that the situation is resolved in your favor.

References:

SoloSuit Blog