Mid-Continent Credit Services Debt Collection Harassment — What You Need to Know
Dealing with persistent calls, threats, or aggressive tactics from Mid-Continent Credit Services can be stressful and invasive. If you’re experiencing Mid-Continent Credit Services debt collection harassment, know that federal law gives you rights and protections. You don’t have to endure abusive behavior quietly.
👉 If you’re facing Mid-Continent Credit Services debt collection harassment, this article explains what counts as harassment, what your rights are, and how to fight back.
What Is Harassment in Debt Collection
Collectors may legally attempt to collect a debt, but harassment happens when they cross certain lines. Harassing behavior might include:
Calling repeatedly or with undue frequency
Contacting you at inconvenient or late hours
Using threatening or intimidating language
Misrepresenting your legal rights, or claiming immediate legal action
Failing to provide written validation of the debt when requested
Disclosing details of your debt to others (family, friends, employer)
Ignoring your written requests to stop contacting you
If Mid-Continent Credit Services engages in any of those actions, you may have grounds to seek legal redress.
Your Legal Protections Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is the primary federal law that limits abusive behavior by third-party debt collectors such as Mid-Continent Credit Services. Here are key protections you have:
No harassment or abuse: Collectors cannot threaten you, call incessantly, or use profanity or insults.
Restricted calling hours: Calls can only be made between 8 a.m. and 9 p.m. local time, unless you agree otherwise.
Right to debt validation: Within five days of their initial contact, the collector must send you a written notice describing the amount owed, creditor name, and your right to dispute.
Right to dispute: You have 30 days from receiving that notice to challenge the debt in writing; during verification, they must desist from collection.
Cease communication request: You can send a written “cease and desist” demand instructing them to stop contacting you. After receipt, only limited legal notices may continue.
Truthful representation: They may not misstate the debt, threaten actions they cannot take, or falsely claim to be attorneys.
Limitation on third-party disclosures: They cannot discuss your debt with others beyond limited permitted uses (e.g. to locate you).
If any of these protections are violated, you may be able to file a lawsuit, seek statutory damages, and recover attorney’s fees.
Steps You Should Take If Harassed
If Mid-Continent Credit Services is calling you constantly, these steps can help you protect your rights:
Document all communications — record the date, time, caller ID, name, and content of each call or message.
Avoid admitting liability verbally — don’t make payment promises or confirm you owe the debt until it’s verified.
Request validation in writing — formally demand that the collector provide a written debt validation detailing original creditor and charges.
Dispute the debt if incorrect — if you believe errors exist (wrong amount, identity, etc.), send a written dispute. The collector must pause collection while investigating.
Send a cease and desist letter — tell the collector in writing to stop contacting you. Once received, communications must be limited to legal matters.
File complaints — report misconduct to your state attorney general, the Consumer Financial Protection Bureau (CFPB), or the Federal Trade Commission (FTC).
Seek legal counsel — an experienced consumer protection attorney can evaluate your case, file suit, and pursue compensation.
How Consumer Rights Law Firm PLLC Can Help
When collectors cross legal boundaries, Consumer Rights Law Firm PLLC steps in to defend your rights. Their services include:
Free case evaluation
No upfront fees — they get paid only if you win
Legal representation specializing in FDCPA and consumer rights law
Swift action to halt harassment
Pursuit of compensation for emotional distress, statutory damages, and legal costs
With their involvement, many collectors immediately back off when they see legal representation.
Why Acting Quickly Matters
Harassment often escalates over time. Delaying your response may allow abusive practices to worsen—and some claims have statutory deadlines. Acting promptly helps you preserve evidence, maintain stronger legal standing, and possibly stop the harassment sooner.
Even if you have some legitimate debt, that doesn’t give Mid-Continent Credit Services the right to harass, threaten, or abuse you.
Conclusion
If you are facing Mid-Continent Credit Services debt collection harassment, you are not without recourse. Federal laws protect you from abusive collection practices, and you have the right to demand respect, validation, and if needed, pursue legal remedy.
Don’t wait. Contact Consumer Rights Law Firm PLLC for a free evaluation. Their experienced attorneys can help you stop the harassment, defend your rights, and seek the relief you deserve.
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