How to Block Midland Credit

How to Block Midland Credit: A Comprehensive Guide

Midland Credit Management is a debt collection agency that operates in the United States. If you have been receiving calls or letters from them and wish to block their communication, this article will guide you through the process. Blocking Midland Credit can provide relief from incessant debt collection efforts and give you the peace of mind you deserve. Below are steps to help you block Midland Credit, along with frequently asked questions about the process.

1. Understand your rights: Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA), which outlines your rights as a consumer and the limitations for debt collectors.

2. Request written communication: Send a letter to Midland Credit requesting that they communicate with you solely in writing. This will create a paper trail and provide evidence of your efforts to resolve the matter.

3. Cease and desist letter: If you want Midland Credit to stop contacting you altogether, send them a cease and desist letter. This letter should clearly state that you do not wish to be contacted further regarding the debt.

4. Dispute the debt: If you believe the debt is incorrect or you are not responsible for it, write a letter to Midland Credit disputing the validity of the debt. They are legally required to investigate your claim and provide evidence supporting their case.

5. Block their number: If Midland Credit continues to harass you via phone calls, consider blocking their number. Most smartphones have a built-in feature that allows you to block specific numbers.

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6. Get help from a lawyer: If Midland Credit persists despite your efforts to block them, consult with an attorney who specializes in debt collection issues. They can provide guidance on how to handle the situation legally and protect your rights.

7. Report violations: If you believe Midland Credit has violated your rights, report them to the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general’s office.


Q1. Can I block Midland Credit permanently?
A1. While you can block their calls and letters, it is important to note that blocking them does not eliminate your debt obligations. They may still pursue legal action if you owe the debt.

Q2. What happens if I block Midland Credit?
A2. Blocking Midland Credit will prevent them from contacting you, but they may still attempt to collect the debt through other means, such as legal action or selling the debt to another collection agency.

Q3. Can I block Midland Credit on my credit report?
A3. You cannot block Midland Credit from reporting your debt to credit bureaus if the debt is valid. However, you can dispute inaccurate information on your credit report.

Q4. How long can Midland Credit legally pursue a debt?
A4. The statute of limitations for debt collection varies by state. Once the statute of limitations expires, they can no longer sue you for the debt, but they can still attempt to collect it.

Q5. Can I negotiate a settlement with Midland Credit after blocking them?
A5. Yes, you can still negotiate a settlement with Midland Credit even after blocking their communication. It is advisable to do so in writing to maintain a record of the agreement.

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Q6. Can I sue Midland Credit for harassment?
A6. If Midland Credit has violated your rights under the FDCPA, you may be able to sue them for harassment. Consult with a lawyer to understand your options.

Q7. How can I verify the legitimacy of Midland Credit?
A7. Ensure Midland Credit is a legitimate debt collector by requesting a written validation notice. This notice should include the amount owed, the original creditor’s name, and information on how to dispute the debt.

Blocking Midland Credit can help alleviate the stress of dealing with debt collection efforts. However, it is important to address your debt responsibly and seek professional advice if needed.