877-411-5551

Hello Robin,
You are right. I am keeping a log and plan to have my attorney sue them. They have been calling me for about
three weeks and I am not behind in my bills. I do not know this company, and for them to call me on Sundays
a person that has no unpaid bills is stupid, and they are breaking the law for people that have an unpaid debt by
calling them on Sundays.

***********I block all calls like this.*******************************************************************

They call up to 3-4 times per day, even on Sundays and after 8 when my kids are in bed.

I have an old debt from about 8 years ago. I don't know if this why they keep calling. It shows on my credit bureau report. I will never settle with anyone unless I can get it shown on my credit bureau report that it is paid. These people are calling all the time. I heard there was a law stating only two calls a day were allowed to collect a debt. I get about five a day lately. I answered the other day, Usually no answer at all, but one time I had a Spanish speaking woman asking for Lydia. I told her she had wrong number. As soon as I hung up I had another 1877 number call again. I have saved the number in my contacts and gave them a silent ring tone.

Caller calls several times a day sometime. I am on the State and federal no call list. No late bills outstanding.   unknown who is calling at    this time.

Check out to see if your name has been included in data breaches that could lead to identity theft.
Check all (3) credit reporting agency's to see if someone is using your name to open credit accounts.

Calling on a Saturday morning?  What's wrong with these people?  No message, just hung up.

im calling the state police and the credit agency for the aged to stop these harassing phone calls....

The above number repeatedly calls my phone several times a day.  I answer & it sounds like a dead line.  There is never a response.  When the calls began, they wanted someone who doesn't even and has never lived at our home.  They always want Amy Fisher. We have never known an Amy Fisher. Please stop calling us!!!

Keep getting calls fron the cerdit number i dont answer they keep calling everyday at least three times a day. I finally answer sick of the calls and ask for someone named kelly told them they had the wrong number hope not to get anymore calls so annyoing omg

I have no debt or past due anything, I keep getting hang up calls all day and evening.

There seems to be a current scam running, of a bunch of these slimes calling listed phone numbers and attempting to demand money for loans people don't even have.  Given our landline has been innundated with calls from 4 different sleazy, slimy "collection agencies" all leaving voice mails for DIFFERENT names, none of which we've ever heard of.  No one at my house has ANY loans of any type, except the mortgage which is on autopay with the oversight of a professional bookkeeper checking for paid receipts, and there is no chance it would go past due.  Sometime the same firm calls and leaves messages for different people.  I caught one of them and read them this script:

ME: "You are calling from (repeat the name and number they called from)
877-411-5551 Midland Credit
281-975-2625 FMA Alliance
800-768-1011 Hunter Warfield

"You are advised to stay on the line.  Your call is being recorded and hanging up will constitute actionable evasion.  Please clearly state the name of the person to whom you wish to speak."  They gave a made up name: Betsy Robinson
"Spell that.
State your name please.  Spell that.
Ok.
"You have reached the unlisted residential phone of two attorneys.  The party you are asking for does not live here or have any connection to this phone number, and is not known personally to either of us.  You are hereby informed this is the extent of my legal obligation to inform you of such, and it is hereby your responsibility to ensure that you or any other imdividual at your firm does not cause this phone to ring again.  Any further calls to this number will constitute harrassment resulting in legal action against your firm, in which you may be named personally and fined no less than $20,000 plus legal costs.  Do you have any questions?
Ok then, recording will terminate when you disconnect.  You may hang up now."

I read the whole script and the person, after attempting to deny where she was calling from, then started to give real responses, gave a name and spelled it (not like it was her real name, of course).  Then she asked me to wait while she put a supervisor on the line.  I repeated the script to him and made him spell his name, told him he was being recorded, etc.  That particular slime has not called back.

I am not advocating wasting time playing with these scammers.  It's better to simply go on to your voice mail provider's web site and block their numbers.  However, if they circumvent by calling from more numbers than you can block, it may be worth a try to read them a script such as the above.  You can use your own words, but so far as I understand it, the concepts I looked up ARE legally viable.  They seemed to take the threat of lawsuit seriously enough to quit trying to scam me into paying a made-up debt by a made-up person.  Remember you don't owe them honesty or explanations, or politeness, they exist to SCAM people by LYING.

Keeps calling but we do not answer 800 numbers and those marked unknown etc. After reading the comments, I suspect that it is a collection agency that my wife has called and told not to call us. Someone with a Hispanic name has used our phone number for credit and messed up. We are Caucasian. We are also on the "Do Not Call" list. What a joke!!!

It will still send them to your voicemail. I've tried lots of call blockers from Google apps but the best one is "Call Block".
Here's the link https://play.google.com/store/apps/details?id=cn.menue.callblocker&hl=en
Very easy to add, block or whitelist sms and calls. This app will not allow them to leave a voice message too. Enjoy! :-)

My, my this is one persistent debt collection agency. They've been calling my google voice number multiple times within two hour periods every day for a couple of weeks now but never leave a message. Going to let it go for another week or two and then turn over the call logs to the attorney general's office cause this definitely constitutes harassment.

send them a statuate of limitation letter for your state look it up theywill stop calling u

This company has called my home number 3 times in the past 45 minutes. Every time they use an auto dialer to call and I have to sit on the line waiting for the call to actually connect to a real person (and always someone in India). They've asked for a different person every time and when I say they have the wrong number they get an attitude and insist it's correct. I've had the same number for close to a decade now and I'm positive that Miriam Hassim, Jose Gonzalez, and Elizabeth Herman don't live with me....

They call at least 3 times a day, getting the phone disconnected. never a message

This number called me everyday at different hours,also sundays.

Can you not document these calls and report to the attorney general? That is harassing you for having that phone number. Some put the number in the computer and the it just hangs up once you answer. They dont take them off the computer sometimes even after debt is collected. I believe the AG can do something about it.

MIDLAND CREDIT MANAGEMENT AKA ENCORE CAPITAL GROUP
Posted in:  https://800notes.com/Phone.aspx/1-877-822-9054
https://800notes.com/Phone.aspx/1-214-283-1316/59#p837778307746240527
https://800notes.com/Phone.aspx/1-877-411-5551/32
Per Tamianth
MCM contact page with a location in California:
https://www.midlandcreditonline.com/contact/
The also go by the name Encore Capital Group:  http://www.encorecapital.com/contact-us
BBB Page is being updated:  http://www.bbb.org/sdoc/business-reviews/fina ... diego-ca-101104
However this was previously on their page-note the government action against them:

BBB Accredited Business since 5/1/2000 (1227 complaints and a government action and they are accredited?)
Midland Credit Management Inc
Phone: (800) 825-8131
Fax: (877) 414-0961
8875 Aero Dr #200, San Diego, CA 92123
http://www.mcmcg.com
View Additional Web Addresses
Additional Web Addresses
http://www.midlandcreditonline.com

BBB® Accredited Business Seal
BBB® B+ Rating

Complaint Type Total Closed Complaints
Advertising/Sales Issues 5
Billing/Collection Issues 1105
Delivery Issues 1
Guarantee/Warranty Issues 3
Problems with Product/Service 113
Total Closed Complaints 1227

Government Actions

Swanson V Midland Funding
Date of Action: 12/12/2012
On December 12, 2012, Midland Funding, LLC settled a lawsuit filed by Lori Swanson, Minnesota's Attorney General, against the company last year for filing unreliable “robo-signed” affidavits in collections lawsuits and sometimes targeting the wrong people for payment of old bills that it purchased from credit card companies. The lawsuit alleged that Midland filed thousands of collections lawsuits against individuals in Minnesota courts, often supported by unreliable “robo-signed” affidavits generated at Midland’s St. Cloud, Minnesota offices. Several Midland employees admitted in sworn testimony to signing up to 400 affidavits per day, either without reading them, without personal knowledge of their contents, and/or without verifying the accuracy of the information contained in them.

The Consent Judgment requires Midland to: provide individuals with validation of the debt; verify the identity and address of an individual claimed to owe money at the outset, before any collection effort is made, investigate the matter and, if it cannot substantiate the debt, close the account; take steps to correct any adverse credit reporting, and not later resell the debt; not file affidavits w/ the court unless the person has: a) read and understood them, b) confirmed the authenticity of any documents filed w/ the affidavit, c) only based the affidavit on the signer’s personal knowledge, and d) signed the affidavit in the presence of a notary who acknowledges the affiant’s signature in accordance with law; implement standards to ensure it does not sue people on debt that is beyond the applicable statute of limitations; implement procedures to ensure it does not sue people on debt that it does not own; may not pursue a default judgment without giving the person written notice that their response does not constitute a legal answer and waiting 30 days so the person can seek legal counsel or otherwise respond to the lawsuit; include added specificity about the facts supporting its claims in its lawsuits so that individuals can meaningfully respond to the suits against them; at least 10 days before it pursues a default judgment against an individual, send a copy of the judgment request to the individual.

Under the Consent Judgment, Midland will also resolve outstanding and future consumer complaints made to the Attorney General’s Office and pay $500,000 to the State of Minnesota.
Other complaint Sites:
http://www.ripoffreport.com/reports/directory/midland-credit-management
http://collectionagencydebt.blogspot.ca/2011/ ... management.html
They are a Kansas Corporation.  Information from the Kansas Dept. of State:
Current Entity Name    Business Entity ID Number
MIDLAND CREDIT MANAGEMENT, INC.

    0048421

Previous Names:
MERCHANTS FINANCE CORPORATION, INC.
Current Mailing Address: 3111 Camino Del Rio North Suite 1300, SAN DIEGO, CA 92108
Business Entity Type: KANSAS FOR PROFIT CORPORATION
Date of Formation in Kansas: 09/09/1953
State of Organization: KS
Current Status: ACTIVE AND IN GOOD STANDING

Resident Agent and Registered Office
Resident Agent: CORPORATION SERVICE COMPANY
Registered Office: 2900 SW WANAMAKER DRIVE SUITE 204, TOPEKA, KS 66614
Bizapedia has this on Encore which is a Delaware corporations:
http://www.bizapedia.com/nc/ENCORE-CAPITAL-GROUP-INC.html
And this on the address these criminals are located at.  Seems they have a lot of different names:
http://www.bizapedia.com/addresses/8875-AERO- ... O-CA-92123.html
So remember, when dealing with these scumbags remember that you have rights:
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of the date of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site:  http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office and the California AG’s Office:   http://oag.ca.gov/
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php
UNITED STATES OF AMERICA
FEDERAL TRADE COMMISSION
WASHINGTON, D.C. 20580
Division of Credit Practices
Bureau of Consumer Protection
~
Clarke W. Brinckerhoff
Attorney
December 22, 1993
Ms. Kimberlee Arbuckle
MIDLAND CREDIT MANAGEMENT
500 West First Street
Post Office Box #576
Hutchinson, Kansas 67504
Dear Ms. Arbuckle:
This responds to your letter dated December 2, 1993, inquiring whether Midland Credit Management, Inc. ("MCM") is a debt collector under the Fair Debt Collection Practices Act ("FDCPA" or "Act"). You report that MCM "purchases portfolios of delinquent accounts receivable for the purpose of profitable recovery, resale and cure. These accounts are owned solely by MCM . . ."
Section 803(6) of the FDCPA defines the term "debt collector" as "any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another." In our view, a party that purchases delinquent accounts from the party to which the debts were originally owed and attempts to collect them from the consumer debtors fits clearly within that definition. The party is attempting to collect debts that were "owed or due another" and the fact that title to the accounts is passed to the collector in no way changes that fact.
In the leading case on point, involving a company whose business included the purchase of large volumes of checks that had been dishonored and subsequent collection of the checks from their makers (in the same manner as MCM buys defaulted accounts and thereafter attempts to collect from the account debtors), the court wrote persuasively that the purchaser is covered by the FDCPA. It gave short shrift to the fact that the party had actually purchased the checks in question:
By use of the language "owed or due another" Congress was attempting to exclude those entities that extend credit from the effects of the Act. Congress intended to protect borrowers from "third persons who regularly collect debts for others." (Italics by court; citation omitted). (The purchaser) is a third party collecting a debt originally owed to another. . . . It cannot escape the spirit of the Act by the technicality of purchasing the debt upon default so that title technically rests in itself.
Holmes v. Telecredit Service Corp., 736 F. Supp. 1289, 1293 (D. Del. 1990)
The only theory for exclusion of a party such as MCM from the "debt collector" definition (and thereby from coverage under the FDCPA) is that it is a "creditor."(1) Section 803(4) defines "creditor" as "any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or trans-fer of a debt in default solely for the purpose of facilitating collection of such debt for another." Since the accounts that MCM buys are delinquent when purchased and are being transferred for the purpose of collection, we believe that MCM is within the class that the "creditor" definition expressly "does not include."(2) The words "for another" at the end of the clause excepting assignees from the definition of creditor in no way changes this result:
(T)he excluding factors in the exception are that the debts are the result of an assignment or transfer and that the debts were already in default at the time of assignment or transfer. With the phrase "for another" at the end of the exception, Congress merely intended that the debts should have originally belonged to another and that the creditor was therefore in effect a third-party or independent creditor. (Italics by court)
Kimber v. Federal Financial Corp., 668 F. Supp. 1480, 1485 (M.D.Ala. 1987). Accord, Holmes, supra, at 1293.
In sum, it is our view that a party that obtains consumer obligations in default for the purpose of collection is a "debt collector" under the FDCPA, even if that party actually purchases the accounts from the original creditor.
The views set forth in this informal staff opinion letter are not binding on the Commission.
Sincerely yours,
Clarke W. Brinckerhoff
________________________________________
1. Section 803(6)(A) only specifically exempts creditors' officers and employees. However, it "seems clear from the legislative history of the Act that Congress intended that this exclusion cover creditors themselves as well as their employees." Holmes v. Telecredit Service Corp., 736 F. Supp. 1289, 1291n.3 (D.Del. 1990), citing Kimber v. Federal Financial Corp., 668 F. Supp. 1480, 1484 (M.D.Ala. 1987).
2. See the comment on this subsection in our Staff Commentary on the Fair Debt Collection Practices Act. 53 Fed. Reg. 50097, 50101 (Dec. 13, 1988.)