u/Fine-Translator-7414

Hello, I'm new here and I'm currently trying to investigate these random numbers that I keep getting on my phone every day for months now. They call once a day, every number is different with a different area code, they never leave a message, and every one of them I've googled has said it was something like Midlands Credit Management. I've never received a letter either. I searched for one of these numbers on Robokiller and it pulled up an alert for it as a phantom debt collector scam, but the other numbers seem regional.

I currently have debt from different things, one for Citi Bank, one for a few subsidized and unsubsidized student loans from Edfinacial, and a few from a few ER visits last year, but I'm currently paying them off from the hospital billing department and the only debt collectors I officially know of I'm currently paying them off from their payment plans, which are official debt collectors from the hospital.

A few examples of the current numbers calling me right now are:

1-320-207-5126

1-209-916-2703

1-947-666-8604

1-800-218-9570

1-800-299-0523...

..and so on...

I'm too scared to call them back because I've gotten scammed before and I don't know if this is a legitimate debt collector or not. I've read on Robokiller that a lot of people with debt get spoofed numbers because our names show up on third party lists afterwards, so I was just going to start here maybe and ask questions to see if anyone else has information on this particular supposed debt collector or any of these kinds of phone number callers. Are these possible scams? Is Midlands Credit Management legit? Any help is appreciated . Thanks

Seriously, I go hide someplace where there isn't a security camera and just lie down somewhere where nobody except spiders go. Since I'm unable to quit working because of bills, I just disappear for 5 hours and resurface occasionally so I look like I've just been working around all day.

Gosh, I'm scared. I've never tried this before and I'm about to make serious plans for my next paycheck. I don't make much anyway and my shopping addiction has reached its peak for me. Other than gardening soil and slug bait, I'm not going to spend a single dollar on things I don't need. I'm hoping I can achieve a no buy year if this works out. I should have never heard of Etsy. 😮‍💨

I'm getting to the point where I'm too exhausted to keep going as I am. I acquired mononucleosis and long Covid a few years ago and I haven't gotten over the post-vital syndrome yet. I'm currently trying to find anything flexible where I don't have to leave my home much and so I can be able to rest enough and pay bills at the same time. I'm currently having difficulty with everything from FMLA (job doesn't recognize mono as a disability and my boss kept detailing my accomodations), and I'm currently unable to get disability assistance. The only thing I have been able to access has been help from food pantries and hiding at work in order to rest. I don't have much experience in office work or WFH positions, and I don't have a degree for easier jobs such as data entry, which I would love to try. Is there a way out of having to work 40/hrs a week or leave the house everyday? Is it possible?