877-434-3794

just got a call. no message left

Collections ... Midland something or other.

You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter (think of it as the best $6.47 you ever invested).  Also send it first class mail in case no one will sign for it.  Make a notion of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

MIDLAND CREDIT MANAGEMENT AKA ENCORE CAPITAL GROUP AKA ASSET ACCEPTANCE, LLC.
Alternate Business Names
Encore Capital Group Inc., MCM, Midland Acquisitions Corp, Midland Funding LLC, MRC Receivables Corp
Alternate Business Names
AAC, Asset & Lee Acceptance, Asset Acceptance, Asset Acceptance Capital Corp., Asset Acceptance Corp., Asset Acceptance, LLC, Asset Acceptance, LLC, FCC Financial Credit, LLC, Lee Acceptance Corporation, RX Acquisitions

Looks like the CFPB has slapped them big time:  https://800notes.com/forum/ta-ceba95f52112a47/cfpb-settles-cases

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 gives Asset Acceptance an accredited A+ even though they have 283 complaints and 2 negative reviews (BBB removed 112 complaints so that they could keep the A+ rating).  Looks like they will fit in perfectly with the Encore Criminal Enterprise:  http://www.bbb.org/detroit/business-reviews/c ... rren-mi-3004304

BBB gives Midland an accredited B+ with 658 complaints and 18 negative reviews and no less than 4 government actions against them (money talks at the BBB):  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

This is a letter telling them that they are obligated to follow the FDCPA:
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.)

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 receipt 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.
List of State AG’s offices:  https://800notes.com/faq/attorney-general

I have my number on do not call list

This company is a third-party collection agency that buys old debts and then hounds the customers.  I have previously made a settlement arrangement with these people, only to have them take 24 payments of the agreed upon amount, then two years later, re-instate the debt.  I tried to work with them, but now I will never speak to them again.  I'll add them to the my blocked numbers list until the statute of limitations expires.

Called my spouse's cell phone. He NEVER gives out this number to ANYONE.

They called & I canceled the call & blocked. Call read from U.S.A.  No message left. Checked here to see who they were. I called back to have proof I called them to tell them I'm on the no call list & do not call again!

I have probably 75 unwanted calls saved from different telemarketers. I think it's time to turn them all over to a law firm that advertises $1,500 for each unwanted call. Hell, that's enough to buy another house.😉 Of course not all of them can be traced back.

BTW, BigA, Thanks a lot for the BOOK 😆 of info...it's appreachied!!!

These people have been harassing me for years! Have hired a firm to get rid of them, they Refuse  to release me from old collections I don't owe anymore.

They are debt collectors, NOT telemarketers, and are not subect to the Do Not Call list.

...He can still seek damages for their incessant calls (per TCPA rules) and also FDCPA if he is not the party they are looking for.

Don't call my cell to sell me anything! And no I don't owe money either!

Please realize that:

» Your post here will NOT stop the calls.  We did not call you.  Your caller probably does not read these messages.  We cannot block calls to you.  We cannot put you on or take you off the list.

Click_This_Line_for_Info_About_the_DNC_List

The National Do Not Call list is respected by legitimate telemarketers, but is ignored by criminal telescammers.

Surveys, charities, political calls, NON-sales calls and certain preexisting business calls are exempt from the DNCL.

Business phones do not qualify for DNCL protection.

» YOU are your own best defense against unwanted calls! You can use a call blocking app, device, service or procedure to block such calls.

Here are two pages of links to (mostly government) sites in Canada and the USA were you can report phone scams, or learn more about them:

1) First, look elsewhere on this site for an Article, entitled "Where to Report Phone Crime".  (It may appear in the column to your right).

2) For a more frequently updated list of complaint sites, with links to government web pages, look here:
http://phonehelp.2truth.com/complaint_sites.html

If you wish to visit a page of FAQs and REAL answers, try this one
http://phonehelp.2truth.com/faqs.html

~~~~~~~~
Please reply to this post, to let us know you read it, or have taken suitable actions to protect yourself.

Then someone else buys the debt and it starts all over again.

It's been a few months since these idiots have called me but today they are back at it. They called the house phone and I answered hello and got no reply they then called my google # & I didn't bother to answer. Why do they bother calling if they just hang-up on you. House phone ID said 800 Service with 1-877-434-3794 google just showed the #

No, Dan. Once the debt is time barred it's junk debt. The debt might be sold to another bottom feeder but that debt is uncollectable in a court of law. That is, unless some fool is ignorant enough to ignore a summons & let a bottom feeder get a default judgment.
The only way a time barred debt can be revalidated is if a gullible former debtor actually makes a payment on it. That's what junk debt buyers want to happen! They live on peoples ignorance & naivety. Junk debt is exactly that. Junk! Gamblers buy it & hire desperate minions to try to make it pay off. The practice is perfectly legal, as long as the regulations governing it are followed. They rarely are. Gamblers dislike regulations & will do everything possible to find loopholes & stack the deck. Stretching the truth is normal operating procedure for them. Using lies, threats & worse are as common for them as forgetting what name they're using that day.
Savvy consumers have no trouble identifying a JDBs minion or a fraudulent debt collector. Cubicle clowns that work on commissions for bottom feeders aren't hired for their intelligence & are easily tripped up. Less informed people can be manipulated by them. It's for those people that we are here for.
Be Safe. Be Aware.
 Gunnar

Mr. James Brown and Mr. Vincent James said that is there business name when I call the number back. They are obviously a foreign accent. Total scam!!!! Block there calls!

Harrasment, venile, thieves, with Indian accents,. Told them I will make them pay .

Please insure my numbers are on your do not call list

Please realize that:

» Your post here will NOT stop the calls.  We did not call you.  Your caller probably does not read these messages.  We cannot block calls to you.  We cannot put you on or take you off the list.

Click_This_Line_for_Info_About_the_DNC_List

The National Do Not Call list is respected by legitimate telemarketers, but is ignored by criminal telescammers.

Surveys, charities, political calls, NON-sales calls and certain preexisting business calls are exempt from the DNCL.

Business phones do not qualify for DNCL protection.

» YOU are your own best defense against unwanted calls! You can use a call blocking app, device, service or procedure to block such calls.

Here are two pages of links to (mostly government) sites in Canada and the USA were you can report phone scams, or learn more about them:

1) First, look elsewhere on this site for an Article, entitled "Where to Report Phone Crime".  (It may appear in the column to your right).

2) For a more frequently updated list of complaint sites, with links to government web pages, look here:
http://phonehelp.2truth.com/complaint_sites.html

If you wish to visit a page of FAQs and REAL answers, try this one
http://phonehelp.2truth.com/faqs.html

~~~~~~~~
Please reply to this post, to let us know you read it, or have taken suitable actions to protect yourself.

Just got a call from them. They leave no message. Their call cannot be traced. I called them back. They say they are looking for you and another person. When I say who I am, they ask to verify your SSN last 4. DON'T. They are fishing. When I asked why they asked for a person I am not associated with, they say you misheard them. When I asked why they didn't leave a message they say that was another account manager. When I said to stop calling and I was going to report them for harassment, they apologize and say sure it will take 24 hours.