• California Residents Receiving Threatening Debt Collection Calls

    Threatening the Consumer: Debt Collectors can’t threaten consumers with potential legal action or tell the consumer they will be sent to prison. Using abusive language is also prohibited i.e. swearing or cursing. Has a debt collector sworn or used profanity when speaking with you? https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text#811 If you feel that a debt collector has violated your rights […]

  • Debt Harassment Calls

    California Residents Receiving Threatening Debt Collection Calls

    Misrepresenting Information: Any kind of misinformation is illegal, whether it is details of the debt or providing false information regarding their own identities or that of the creditor. Debt collectors are bound to provide correct details regarding all aspects of the debt to the consumer. Has a Debt Collector ever told you different company names every […]

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    California Residents Receiving Threatening Debt Collection Calls

    Informing Others About the Debt: Debt collectors cannot leave details of the debt with anybody other than the consumer. It is also illegal to make the debt public, such as posting information on social media. Have you had friend requests from debt collectors on social media, or had personal messages from collection agency employees? https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text#812 If […]

  • California Residents Receiving Threatening Debt Collection Calls

    Have you been wondering who has been calling you, or if they are contacting the correct person/ party? https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text Aggressive Collection Practices and Debt Collection Harassment Here are the FDCPA outlines that enforce debt collection practices, and which, if found violated by Midwest Credit and Collection Inc.  , can result in consumer harassment. Identification: Debt collectors […]

  • California Residents Receiving Threatening Debt Collection Calls

    Aggressive Collection Practices and Debt Collection Harassment https://oag.ca.gov/consumers/general/debt-collectors Here are the FDCPA outlines that enforce debt collection practices, and which, if found violated by Midwest Credit and Collection Inc.  , can result in consumer harassment. Identification: Debt collectors must identify themselves and provide their identity while also informing consumers that information gleaned may be utilized in […]

  • California Residents Receiving Threatening Debt Collection Calls

    Contacting Consumers: A debt collector cannot contact consumers before 8 a.m. or after 9 p.m. Once a consumer has stated refusal to pay up, legal action can be taken up depending on the reasons for refusal. However, continuing to contact the consumer or making frequent calls can be construed as harassment and the consumer would be […]

  • California Residents Receiving Threatening Debt Collection Calls

    If you have been called for another person’s debt, contact us today so we can help for free to stop any of their phone calls.  Often, people are not believed when they say, “Wrong Phone number / Wrong Person.” Midwest Credit and Collection Inc.  is a collection agency that helps clients recover their overdue debt. […]

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    California Residents Receiving Threatening Debt Collection Calls

    Collection Agencies may call the wrong party accidently in some occasions. Midwest Credit and Collection Inc.  can violate the Fair Debt Collection Practices Act or FDCPA. This link on the Fair Debt Collection Practices Act on how the law was enacted to Protect You, the consumer. https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text#819 Midwest Credit and Collection Inc.  can refer to […]

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    California Residents Receiving Threatening Debt Collection Calls

    Have you ever told a company, “You have the wrong number or wrong person?” Typically, a debt collection agency purchases overdue debt from creditors pursuing consumers who owe the debt.  As a result, it is important that they recover loans in full as rapidly as possible. For this reason, their collection practices can be aggressive, […]

  • California Residents Receiving Threatening Debt Collection Calls

    Communicating Consumer Rights: Consumers have their rights which includes disputing the debt itself. Debt collectors must communicate this to the consumer. Verification of the Debt: Once the consumer’s been contacted, the collector must provide a notice saying the consumer has the right to request debt verification/ validation/proof. If the request for debt verification is received, the collector […]