855-789-8625

I went through this myself a few years back. Someone that I didn't know used my phone number for a loan or some such thing and I started getting calls when they defaulted. When I finally spoke to someone at the collection agency, I told them that I felt that they were harassing me and I was going to file federal charges unless they removed my number from their systems. They were all about helping me when I mentioned the fed. Try it, you may get some relief. :)

they called me today about a credit card my husband opened in 2002 with his ex-fiance.  He paid it off and has the receipt and they are saying we owe $2,100.00.  They are foreign and try to fake an american accent and names.  (which is stupid and insulting).  Said they spoke with his spouse (gave a name of person who was not me and not his ex) in 2012 and she said they had just had a baby and were broke.  I didn't have any kids in 2012.  Had one in 2014.  So not sure who the heck he spoke too.  When I told him that it was not me he got mad.  I think this is a company trying to scam people into paying bills they have already paid.  They wait a long time then contact you hoping you forgot.

I think when they say they aren't phony they mean that it is an actually company. Which that much is true, regardless of how shady.

If you don't owe any debt feel free to mess with these clowns. Put on your own fake Indian accent and enjoy a little banter while they get frustrated and mad! Then at the end of the call, demand they send you written proof of a valid debt and that any further communications on their part must be done via mail. They are no longer legally allowed to contact you regarding any matter via phone after that. If they do, keep a record of all call times and dates. The courts are being very friendly these days to abusive debt collectors.

If you do owe the debt and aren't going to pay, under no circumstances do you answer the phone and talk to these jack wagons. Simply acknowledging the debt restarts the clock and chances as are if they are the ones calling you then you are most likely past the statute of limitations (know them in your state) and if that is the case they can do nothing to you other than what they have already done.

If you do plan on paying, still don't talk to them and contact the original creditor first, almost every major CC company will recall the debt and erase all the BS fees and late charges that these shameless collection agencies tack on. Plus then they don't get to make any profit on you.

who is roger Dalton? I have no clue what you are talking about. are you on drugs?

again with this roger guy? who is that? your boyfriend? dude, you need to stop with the drugs.

you must belong to a union. only a union jerk would use hate terms like "shill".

the moment you revert to name calling is the moment your post loses all credibility.

Total B.S.

I wish more people knew this. BTW, it is good to see you back.

Very good info thank you!!!

Mcm calling to let me know that i have an overdue/unpaid debt in the amount of $66.47 (capital one), and to please call them immediately after receiving their message.

I live in mountain view, california, and the 4 year statue of limitations (sol) on this (alleged) debt expired on june 11, 2010.  5 years  and 10 days ago.

According to my cellphone records, the last time mcm called me about this debt was way back on december 6th, 2010.

The last time i received a demand notice for payment for this alleged debt by mail from mcm was back on january 22nd, 2011.

How nice of mcm to call me after a 5 year absence on father's day at 8:41 am while attending church.

MIDLAND CREDIT MANAGEMENT IS KNOWN TO HAVE UP TO 100 DIFFERENT TELEPHONE NUMBERS.

BELOW IS A PARTIAL LIST OF TELEPHONE NUMBERS KNOWN TO BE USED BY MCM.

Midland Credit Management communicates with our customers via letters and phone calls.

If you received a phone call from:
1)  855-789-8625
2)  855-798-4722
3)  855-789-8625
4)  855-967-7399
5)  855-877-4328
6)  855-891-8849
7)  855-808-0414
8)  855-798-4722
9)  855-789-8625
10)  877-411-5551
11)  866-580-4780
12)  877-237-0512
13)  800-265-8825
14)  866-927-7380
15)  877-411-6748
16)  877-822-9054
17)  877-236-7498

MCM is trying to contact you regarding a personal business matter.
Please call us back at your earliest convenience or register for online account management.

NATIONWIDE COLLECTION AGENCY FAX NUMBERS:
http://www.edcombs.com/collection-agency-fax-numbers/

I checked and there is nothing about calling outside of working hours. Nothing about not calling on weekends.

They called my wife on her cellphone a couple days ago, and today they called me on my cellphone. Both time they were looking for a person named "Xochitl Marquez" regarding a debt collection. I have no idea who that is and neither does my wife.

I don't know how the hell did they got my and my wife's cellphone numbers. We been using these numbers for years now.

Midland.  At home I put two cordless phones set on speaker together and let the feedback do my talking for me.

Good info thanks!

FCRA is the Fair Credit Reporting Act and has nothing to with calling hours for debt collectors.  FDCPA is the Fair Debt Collections Practices Act and governs 3rd Party debt collectors.  According to the FDCPA a collector can between the hours of 8am-9pm local time of the debtor.  Any day of the week, do your homework.

Can elaborate upon how merely talking to a creditor can create recent activity reported on a credit report?

I was concerned by the DLA mentioned in Da Man's post. Especially that it can be created by just talking to a collection agency. It turns out he is partially right, it can just even be the date the CA receives the file. But, the DLA is not important to ones credit file. Certain dates from the original creditor hold greater import as stated in the post in this link:
http://ficoforums.myfico.com/t5/General-Credi ... ity/td-p/694611