Midland Credit Management - An Unscrupulous Junk Debt Buyer

Katherinka wrote

in reply to Al B Al B wrote

"If you acknowledge the debt is yours, the Statue of Limitations often will start over."

Not so. SOL will only start if you make a (new) payment. But it is better not to talk to those collectors at all over the phone. Just ignore them. If they got your number, they should have your address. Wait until they send your some (official) correspondence validating your (alleged) debt. Better yet - block their phone numbers on your line.

Posted July 10, 2009

More that Honest wrote

in reply to Honest Congratulations for sticking up for the scumbags, Honest. Midland buys debts and then can't prove any ownership, but hey, you think that's all great.

Posted April 30, 2009

More that Honest wrote

in reply to Honest Congratulations for sticking up for the scumbags, Honest. Midland buys debts and then can't prove any ownership, but hey, you think that's all great.

Posted April 30, 2009

Honest wrote

To those of you who paid off your debt and were hunted down in error, that seriously sucks. But the rest of you, who ran up serious debt only to let it hang for years until the statute passed...screw you!

Grow up and pay your debt. How dare you act offended about being contacted to pay back money you borrowed. Disgusting. This country has a lot of credit issues due to predatory lending and the banking industry, but also to blame are people like you who abuse the system.

This site should support those who are being abused or wronged by debt collectors - not consumers who put this contributed to this financial mess.

Posted April 03, 2009

Fighting Mad in Denver wrote

I thought that perhaps I HAD failed to pay my debt to Midland; however, I found my canceled check from years ago! This firm is, in my opinion, the lowest of the low - even so much as to employ corrupt Process Servers (i.e. recently arrested in Boulder County and has at least ONE alias PLUS a criminal background). Is it any surprise, really, that a bottom-feeding law firm, which represents a Junk Debt Buying company, would hire an agency, such as Quality Process Servers & Investigations to do their dirty work? Mostly, I am horrified that the man came through a latched gate, into my backyard at dusk today. It is of my opinion that with the economy in its current state, foreclosures & failing businesses on the rise, we will see a continuance of shysters such as these praying on those who struggle everyday to just to make it to the next. We all need to stay diligent in putting organizations such as these in the public eye so that they conduct business fairly and ethically.

Posted March 29, 2009

Tracy wrote

I received a letter from Javitch,Block and Rathbone who say they are representing Midland Funding and Captitol One. I talked to a Kevin and told him the debt is 10 years old and out of statute for open ended account (credit card). I also told him my only income is social security and told him I know he cant take it. He told me they will take me to court anyway to try to get money. I taped the conversation and when I told him I was (didnt have to, I live in Ohio) and he told me I am not allowed to do that. However, he never told me to stop taping and continued to talk to me for another 5-10 minutes. That gives me the right to use in court as he told me they are sending me a summons now. I wrote a validation letter to them today and will be mailing out registered tomorrow. I refuse to go down without a fight, and I told him so.

Posted March 27, 2009

Al B wrote

MCM When MCM calls you, always answer " NO" to them recording your ophone converstation for training purposes. IF you answer " yes" you have just waived any privacy rights and any information you give them wuill be used in court.

If you acknowledge the debt is yours, the Statue of Limitations ofeten will start over. My advice would to never speak to them on the phone and seek the advice of an attorney if poissible

Posted February 27, 2009

Al B wrote

Midland continues to contact me on debt that was paid in 1998. I investigated the Illinois "Statue of Limitations" and have read all the garb about MIdland. They continue to call me and hang up. Here's an idea.
Call J. Brandon Black
8875 Aero Dr, Ste 200
San Diego, CA 92123-2255
(858) 560-2600Type: Land Line
Provider: Pacific Bell
Location: San Diego, CA
Job title: unavailable
Company: Encore Capital Group
He is the head of MCM

Posted February 27, 2009

Kris wrote

in reply to Topaz Good luck with the lawsuit buddy. If you fax it in it does take some time for the right department to receive it and depending on were you faxed it to. It might have to go to a whole different state. So good luck with that.

Posted February 20, 2009

Won't roll over... wrote

I served them with and order to show cause. They won't fax or send me any of the paperwork. I never was served so I of course missed the court date. My bank account is frozen. No one wants to answer any questions or show me any proof. So they better make it to that court date with some evidence, real evidence and some explantions as to why the process server lied as well as why the sent their fake notice of restraint to the bank that was not signed or notorized. Yes, my bank gave me a copy for my records. I had to go to the court to get all the other paperwork that was actually filed against me 6 MONTHS AGO!! Why am I finding out just now?!?!? These people are complete losers and from what I have been reading they better be ready for me and my lawyer because this time I will be showing up to court (now that I know when it is!!!). They want to play hardball, lets do this!!! They messed with the wrong girl. To be continued...

Posted February 19, 2009

Frustrated wrote

MCM has been reporting a debt that was paid in July 2007 to the original creditor since August of 2007. They told me my cleared check will not suffice as evidence and that I need a receipt. Original creditor "accidentally" sold it to MCM so they don't have any way to provide a receipt. They have been posting negatively every month since Aug. 2007. My credit score is now in the toilet and lower than it was when I first started repairing my credit by almost 100 points!

Can I sue for defamation of character since this debt has been paid and I have proof?

Posted February 16, 2009

Topaz wrote

Beginning early January 2009, out of the blue, I started receiving hangup calls from MCM. After about 5 or 6 of these calls, a person finally spoke. I told him to stop calling calling me. The next day I mailed & faxed a Cease and Desist Communication letter. A week later a man with an Indian accent named "Rex Johnson" called me. He wanted me to pay an old debt from 2002. I asked him if he was kidding me or what? That debt is way pass the 4 year statute of limitations in my State and that since they couldn't sue me in court to collect, they couldn't do anything about it. He laughed & told me that I had a moral obligation to pay them. I yold him no, I have a moral obligation to my family and close friends, not to greedy, crooked corporationswho rip people off. He continued to ramble on and I told him we could talk about it back and forth all day but you can't do anything about it & that's that. I will now sue them in court for violating my demand to cease & desist 15 U.S.C. §1692c(c).

Posted January 29, 2009

Sarah wrote

MCM got one of my old debts in 05. I thought they were a actually collections company so I begin to pay on the debt. Of course, young and dumb I defaulted on that debt. I thought that I would be ok after 7.5 years had passed. I orginally defaulted on the debt in 01. It should have been gone in 08. Well I got a phone call today(out the blue) saying that I owed them. They also told me that since I made a payment in 06 that meant my 7.5 years started over. Is that true? Somone please help! I have begun to fix my credit and now MCM is coming along out of no where and trying to destroy it. I'm lost, do I need a lawyer?

Posted January 28, 2009

Beat 'em Pro Se wrote

in reply to Barbara

Barbara:

Midland sued me in November. As an experienced paralegal, I know how these folks play. I filed and answer with affirmative defenses. In addition, since they included many inappropriate statements in their complaint under the local court rules, I filed a motion to strike portions of their complaint.

They're running. They just sent me a proposed stipulated order of dismissal.
I've responded by asking them to make it a dismissal with prejudice. NO ONE should let this company harass them. You CAN beat them.

Next, I'll move to get them off my credit report (particularly since their reported information is blatantly inaccurate and false)

Posted December 24, 2008

Barbara wrote

I fought off MCM a year ago. Now it will be easy to get them off my credit report. To all here who have been contacted by any collectors...do not talk to your collectors. Learn your rights! You do not have to pay junk debt ....educate yourself. Check your state statutes for debts that "expire" and too old to collect on. This article is great. Spread the word!

Posted November 17, 2008

woody wrote

after reading all these items about midland,i feel iam the luckey one ,i too have been treated by these crooks same same as every one else,right down to the letter,however ,after reading about all of your troubles i have decided to fight back.every one of your stories has motavated me personally,i do not know all the rules ,of this sick game of greed these people play,but i am learning,the only thing we can do is stick together,educate ourselves and fight them however we can,remember nthere is strength in numbers and never ever give up EDUCATE YOURSELVES AND QUIT COMPLAINING FIGHT BACK,IT'S THE ONLY WAY YOU WILL GET JUSTICE

Posted November 13, 2008

Maggie wrote

Midland buys junk debts, most of which the statute of limitations is expired. They have no proof that you owe the money. They purchased three accounts of mine from 7 years ago. I was able to get them deleted by sending letters asking them to validate the debts, which they could not do. According to the Fair credit reporting act, they have 30 days to answer you. When I asked for validation the first letter they sent me said that they wanted to help settle the dispute and asked me to send them any reciepts or proof that I had to bsck my claim. I sent them another letter detailing that it was not my responsibility to prove; it was theirs. Of coursc, they could not prove it and did not respond to my letter. I sent copies of everything I had sent to them to each of the three credit bureaus detailing my attempts to have the debts validated and within 30 days all three were removed from my credit report. Just remember, THEY NEED TO PROVE IT, HAVE THEM VALIDATE BEFORE YOU PAY AT ALL.

Posted September 26, 2008

2 blessed 2 be stressed wrote

Midland Credit is suing me for a bill that was obtained in 1999. The account has been charged off for over 4 years. Do I have to pay the accout? Will they accept a settlement?

Posted September 20, 2008

Scott wrote

Midland employs swindlers and con artists, but you have a lot more leverage over them than you may think. They are pissed at me because I wont pay them what they want, and I won't pay above 40 percent of the total I owe. Sure, they can bully me. Im smarter than them, and sooner or later they will get tired of arguing with me and accept my terms. Just wait and see lol. Hope you all have better luck too.

Posted September 20, 2008

Brad wrote

I disputed 2 separate debts on all three of my credit report that Midland had place on them. Both debts were the same amount with two different account numbers. To top it off they were both over 7 years old. As soon as the credit bureaus contacted Midland for clarification Midland immediately updated the opening date of the account to reflect 2008. In my opinion this is not bad business but illegal.

Posted September 08, 2008