Who Called From 813-273-7606?
Short answer: 813-273-7606 is a number used by Merchants Association Collection Division Inc. (Merchants Association Collection Division Inc.), a third-party collection agency based in Tampa, FL — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2040204-dca on file, address of record in tampa, fl. They are almost certainly trying to collect a debt, most often credit card debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 813-273-7606?
The number 813-273-7606 is used by Merchants Association Collection Division Inc. (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2040204-dca on file, address of record in tampa, fl), a third-party collection agency in Tampa, FL. For the full company profile — ownership, history, and known aliases — see our complete Merchants Association Collection Division Inc. guide. This page focuses on the calls coming from 813-273-7606 specifically.
About this specific number
- 📞 Number: 813-273-7606 (area code 813, ending in 7606)
- 📍 Line type: Direct-dial — resolves to the 813 area code.
- 🏢 Operator: Merchants Association Collection Division Inc., a third-party collection agency in Tampa, FL.
- 🔢 Related lines: Merchants Association Collection Division Inc. is documented using 1 number in our directory, so calls may also come from other digits.
813-273-7606 is a direct-dial number tied to the 813 area code, which is why the call may have appeared "local" on your caller ID even though Merchants Association Collection Division Inc. operates out of Tampa, FL.
Some carriers display 813-273-7606 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Merchants Association Collection Division Inc..
On your caller ID, in voicemails, or in letters, this company can also appear as: Merchants Association Collection Division Inc., SHERLOQ FINANCIAL, MACDI.
Why Is Merchants Association Collection Division Inc. Calling Me From 813-273-7606?
In our directory, 813-273-7606 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2040204-dca on file, address of record in tampa, fl for Merchants Association Collection Division Inc., which typically collects credit card debt, consumer loans. A call from 813-273-7606 usually happens because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Merchants Association Collection Division Inc. to collect on behalf of the original creditor.
- ✅ Merchants Association Collection Division Inc. is now dialing you from 813-273-7606 and possibly other lines to reach a resolution.
Calls from 813-273-7606 often come right after a billing cycle closes. Some people report that 813-273-7606 calls once and hangs up, then tries again from a different Merchants Association Collection Division Inc. line hours later. A single missed call is not proof of a valid debt. When 813-273-7606 shows up on your caller ID, it is worth checking whether the Merchants Association Collection Division Inc. account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Merchants Association Collection Division Inc. prove the credit card debt in writing first.
Important: a phone call — even from a real number like 813-273-7606 — does not prove you owe the debt, that the amount is correct, or that Merchants Association Collection Division Inc. can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 813-273-7606
Anything you say to Merchants Association Collection Division Inc. can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 813-273-7606 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Merchants Association Collection Division Inc..
Don't agree to a payment on the spot
A single payment to Merchants Association Collection Division Inc. — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 813-273-7606.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 813-273-7606. Any legitimate Merchants Association Collection Division Inc. resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 813-273-7606 caller. If it truly is your Merchants Association Collection Division Inc. account, they should already have what they need and must prove it.
What To Do If 813-273-7606 Keeps Calling
Here are concrete next steps for this specific Merchants Association Collection Division Inc. line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 813-273-7606 as a contact labeled "Merchants Association Collection Division Inc. — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 813-273-7606 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Merchants Association Collection Division Inc. identify the original creditor behind the 813-273-7606 calls and the date the debt was opened.
Your Rights When Merchants Association Collection Division Inc. Calls From 813-273-7606
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send Merchants Association Collection Division Inc. a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Merchants Association Collection Division Inc. reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 813-273-7606: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Merchants Association Collection Division Inc. stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, Merchants Association Collection Division Inc. generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Merchants Association Collection Division Inc. from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 813-273-7606
We investigate the specific Merchants Association Collection Division Inc. account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the Merchants Association Collection Division Inc. account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Merchants Association Collection Division Inc.. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
813-273-7606 — Frequently Asked Questions
Who is calling me from 813-273-7606?
813-273-7606 is a direct-dial line associated with Merchants Association Collection Division Inc. (also seen as Merchants Association Collection Division Inc.), a third-party collection agency headquartered in Tampa, FL. The number resolves to the 813 area code. If you received a call from 813-273-7606 — often showing the last four digits 7606 on your screen — it is very likely Merchants Association Collection Division Inc. attempting to reach you about a debt they say you owe, most often credit card debt, consumer loans.
Is 813-273-7606 a scam number?
Merchants Association Collection Division Inc. is a real, registered company, and 813-273-7606 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Merchants Association Collection Division Inc., so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 813-273-7606?
You are not legally required to answer 813-273-7606 or call Merchants Association Collection Division Inc. back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Merchants Association Collection Division Inc. must pause collection until it mails you proof of the debt.
Why is Merchants Association Collection Division Inc. calling me about credit card debt?
A call from 813-273-7606 usually means an original credit card debt went unpaid and was placed with Merchants Association Collection Division Inc., which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Merchants Association Collection Division Inc. from calling 813-273-7606?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Merchants Association Collection Division Inc. to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 813-273-7606 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Merchants Association Collection Division Inc. is calling about?
Do not pay anything based on a call from 813-273-7606 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
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