Getting 800-823-2318 calls over and over and over again? That's not right, and your consumer rights may be violated.
Seeing the same number pop up on your caller ID day after day can be frustrating and even nerve-wracking, especially if you don’t know who’s calling or why.
You’re not helpless when dealing with calls from 800-823-2318 or 1-800-823-2318. With some basic knowledge about who might be behind these calls and your legal rights, you can take action.
This guide will help you figure out who’s calling, stop unwanted calls, and protect yourself from harassment.
Who’s calling from 800-823-2318? ☎️
People getting these phone calls are saying that the number 800-823-2318 belongs to Medicredit, a debt collection agency. They work with companies like hospitals, credit card providers, and other businesses to collect unpaid debts. If you’ve missed payments, Medicredit may be calling to discuss repayment options.
While Medicredit is a legitimate company, debt collection calls can feel stressful. They have a poor reputation, especially when looking at their reviews. They may call often, leave voicemails, or report unpaid debts to credit bureaus. If you’re getting calls from 800-823-2318, it’s important to know your rights and handle the situation calmly.
Why is 800-823-2318 or 1-800-823-2318 Calling You? 📞
If you’re getting repeated calls from 800-823-2318 or 1-800-823-2318, it’s likely coming from a debt collection agency, and some people testify it's Medicredit.
Here’s what you need to know:
1. Debt Recovery
Medicredit usually gets involved when you owe money to a business, such as a hospital, utility company, or credit card provider. If payments are missed, creditors may hire Medicredit to recover the debt or sell the debt to them. If Medicredit is calling, it’s probably about an unpaid bill you need to address.
2. Mistakes Happen
Sometimes, calls from 1-800-823-2318 happen due to errors. Examples include:
- The debt belongs to someone else with a similar name.
- You’ve already paid the bill, but the creditor didn’t update their records.
If you think the call is a mistake, it’s important to check your records and contact Medicredit for clarification.
3. Impact on Your Credit
When debt collection agencies like Medicredit get involved, the debt may already be reported on your credit report. Unpaid debts can lower your credit score, making it harder to get approved for loans, credit cards, or even renting an apartment. Ignoring these calls could make the situation worse, so it’s best to address the issue as soon as possible.
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When 800-823-2318 Calls Become Harassment
Dealing with debt collectors is never pleasant, but there's a line they can't cross. Understanding when their calls shift from simple collection attempts to outright harassment is crucial. Here's a breakdown of behaviors that indicate you're being harassed by 800-823-2318 (or any debt collector):
Unreasonable Call Frequency:
If they're calling multiple times per day, especially at inconvenient hours, it's harassment. The FDCPA limits how often they can contact you.
🚩Example: Getting calls every hour, or several times in a row.
Calls at Inappropriate Times:
Debt collectors are generally limited to calling between 8 a.m. and 9 p.m. in your local time zone. Calls outside these hours are a red flag.
🚩Example: Waking you up at 6 a.m. or calling late at night.
Abusive or Threatening Language:
Any use of profanity, insults, or threats of violence is strictly prohibited. They can't yell, scream, or belittle you.
🚩Example: Hearing threats like, "We'll ruin your life" or using curse words.
False or Misleading Statements:
They can't lie about the amount you owe, the consequences of non-payment, or their legal authority.
🚩Example: Threatening immediate jail time, when that is not possible.
Contacting Third Parties:
Unless you've given explicit permission, they can't discuss your debt with friends, family, or employers.
🚩Example: Calling your boss or neighbors and disclosing your debt.
Failure to Validate the Debt:
If you request written verification of the debt, they must provide it. Refusal or failure to do so is a violation.
🚩Example: Ignoring your request for proof of the debt.
Repeated Calls After a Cease and Desist Letter:
Once you've sent a written cease and desist letter, they must stop contacting you. Any further calls are harassment.
🚩Example: Continuing to call, after you have told them to stop in writing.
Impersonating Law Enforcement or Legal Professionals:
They cannot pretend to be police officers, lawyers, or any other type of legal authority.
🚩Example: Saying they are calling from "the court house" when they are not.
What to Do:
- Document Everything: Keep detailed records of every call, including dates, times, and the content of the conversations.
- Send a Cease and Desist Letter: If the harassment continues, send a certified letter demanding they stop contacting you.
- File a Complaint: Report violations to the Consumer Financial Protection Bureau (CFPB) and your state's attorney general.
- Seek Legal Counsel: If the harassment is severe, consult a consumer protection attorney.
By understanding these signs, you can effectively protect yourself from unlawful debt collection tactics.
How To Handle 800-823-2318 Calls
Calls from debt collectors can be overwhelming, but you have options. Here’s what to do if Medicredit is reaching out to you from 800-823-2318:
1. Don’t Ignore the Call
Your gut instinct might be to ignore it, but that won’t make the problem go away. Besides, ignoring debt collection calls can sometimes escalate matters, like moving towards legal action. Answer the call or return their voicemail to understand the purpose of the contact.
2. Verify the Debt
Never pay anything without confirming the debt is legitimate. Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request a debt validation letter. This document will outline details such as:
- The amount owed
- The original creditor
- Contact information for the debt collection agency
If you believe the debt is incorrect or not yours, you can dispute it in writing. Once you do, the collector must stop contacting you until they provide verification.
3. Be Calm and Document Everything
No matter how frustrated or stressed you feel, stay calm when communicating with Medicredit. Here are some tips:
- Keep detailed records of all calls and communications. Log the time, date, and a summary of what was said.
- Save any letters or notices sent by the collector.
This documentation will be helpful if you decide to file a dispute or report harassment.
4. Know Your Rights
Did you know there are strict rules about what debt collectors can and cannot do? The FDCPA protects you from harassment, deception, and unfair practices. For example:
- Collectors cannot call you before 8 a.m. or after 9 p.m.
- They cannot contact your workplace if you’ve specifically requested they stop.
- Threatening language, false statements, or intimidation are not allowed.
If Medicredit violates these rules, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general.
Related Content: Is 800-860-0644 A Debt Collector Number?
5. Negotiate or Settle
If the debt is valid but you can’t pay the full amount, you can try negotiating with Medicredit. Many collection agencies are open to payment plans or settlements for less than the total owed. Be sure to get any agreements in writing before handing over payment.
6. Dispute Incorrect Debt Calls
If you’re 100% certain this debt isn’t yours, you have the right to dispute it. Send a certified letter to Medicredit explaining why you believe the debt is invalid. Include any supporting documentation, and keep your receipts and copies of correspondence.
How to Get 800-823-2318 to Stop Calling
Understandably, you might want the calls to stop altogether. Here’s how you can make it happen:
- Request Communication Limits: Ask Medicredit to stop calling you during certain hours or to contact you only by mail.
- Send a Cease-and-Desist Letter: While this won’t erase the debt, it will legally prohibit the collector from contacting you further. Note, however, that sending this letter can sometimes prompt the agency to escalate their efforts through legal action.
Taking action to stop these calls is your right under the Fair Debt Collection Practices Act (FDCPA). Make sure to document all communication with the collection agency for your records. If the calls persist after following these steps, you may want to consult with a consumer rights attorney to explore further legal protections.
You Don’t Have to Be Scared of 800-823-2318 Calls
Receiving calls from +1 (800) 823-2318 can feel overwhelming, but you are not powerless. Knowing your rights, verifying the debt, and taking proactive steps can make all the difference. Whether Medicredit is calling about a past-due balance or a mistake in their records, the key is to stay informed and take control.
If you believe that Medicredit’s calls violate your rights or border on harassment, don’t hesitate to file a complaint with the CFPB or contact your attorney.
Want to take steps to improve your credit and remove the debt they are calling about?
We can help. Get a credit repair strategy session today and take back your financial freedom. Above all, remember that you have options. The next time you see 800-823-2318, you’ll know exactly what to do. Take one step at a time, and you’ll be free of the stress those calls bring soon enough."
And if debt collections are already hurting your credit score, don’t wait—ASAP Credit Repair is here to help you take control and get back on track!