Midland Credit Management Inc listed on my credit report

There is a good possibility with the debt being as old as it is they original creditor may have sold the debt. Either way they cannot legally collect from two fronts as it were.

Midland Credit has been 'opening' accounts that show up as negative on my credit report. Does anyone know what this is about and how to stop this? Thx!

Welcome to the forum guest.

midland credit management is a collection agency. If they are appearing on your credit report then you may have a account in collections with them. I would suggest sending a debt validation letter to them (you can find a good template for one in my signature) send it USPS, certified mail, return receipt requested. Be sure to send the enclosure along with it provided in the link.

I have read almost all 19 pages of this Forum, and as many other guests here have found myself to be a victim of MCM. i found their letter today stating that i owed BANK of Marin. so i googled Bank of Marin right away and called them, to verify if someone else had stolen my id perhaps and opened an account. Much to my relief with Bank of Marin, the operator there in the lost cards department said they can't find me in their system neither with my name nor my social sec#.
so then i googled midland and found these 19 painful pages dating back to 2005. I was planning to call them tommorrow explaining to them how this does not belong to me, but after reading this forum, i guess it is best to just send in the validation letter first- so they don't bother me with unwanted phone calls. There's 3 addresses on the stupid letter, i don't really want to spend 3 times the certified letter. does any other victims here have an updated Midland address, since the last address i saw was many pages back. But i guess it's cheaper to send a few dollars worth of certified mail vs. high interest from bad credit.

These people (Midland) seem to be practicing bad business for a long time. Like many others on this forum, who have either never own the alleged accounts accused by Midland or have previously paid the accounts, I just have been victimized by them. Has anyone else here filed with Ftc or BBB or att. gen. ? the forums been going on since 2005 for this same company. there seem to be a higher trend in the most recent postings involving false claims by Midland rather than postings about how to lower claims as in the earlier pages... Is this company going belly up and is now trying to fish for money? (as one other guest on this forum who has worked as a collector has suggested that this may be true)
Has anyone tried initiating class action?
Is there nothing else we can do except to dispute/validate, spend money/time- wait and search for negative credit, then dispute again with the credit bureau, then risk Midland selling your account to another creditor (when they realize they can't collect) and let the cycle began again? (this is not paranoia, if you read the 19 pages of this forum it has happened to others here). Is there really nothing else that people, (you or me or anyone) can do to stop this Midland, so that this forum on Midland may end in the near future on Page 20, rather than finding it continue into year 2010- with the same resolution of "start writing Midland a validation letter". I am an E.R. doc, not a Lawyer, if anyone here from the law/judiciary/justice depart/field care to brainstorm with this latter part i am sure many here including myself would be very grateful.

Welcome to the forum ER
So, your an ER physician? Great, I used to be an EMT, anyway, you should certainly send the DV letter and see if they can validate, as to the suggestion of a class action... there's a problem. The problem is the general consumer's ignorance of their rights, they either don't know their rights have been violated or just don't know who to turn to/what channels to go through.

Please charge off this acct. My wife, Linda is terminaly ill! We have been supported by family for the last few years. I will file BK as soon as I am able. Sincerely
Len Wisniewski

Hi Leonard, I'm so sorry about your wife. But we are not authorize to charge-off any account. We are a debt community and we can help you if you are into a debt problem.

Share your financial issues with the community and let the members help you out of the problems.

Regards,
Jason

I received 5 different notices from debt collectors working for MCM, stating that I owed on a credit card bill which I did not owe. Requesting proof of the debt, none of the collectors could provide it and said they would cease attempts to collect. Then MCM contacted me directly. I wrote them stating to prove or cease collection under the FAir Debt Collection practice--“require, in writing, the name and address of the original debt holder, the account number, the date of the last transaction, and the amount of the original debt. As consumers, you have a right to that information.”

If the statute of limitations has expired on a debt, it cannot be entered on the consumer’s credit report. If the new creditor threatens to report non payment to the credit agencies, it is a violation of the Fair Debt Collections Practices Act." this is from another site re: MCM.

I also informed MCM that I had contacted NYState Atty' General's office and complained about them.

Atty General's office turned the matter over to Dept. of Consumer Affairs. Consumer affairs both wrote to me and phoned me stating they had asked MCM to stop harrassing me.

Today, I received a letter from Consumerm Affairs, with a copy of an enclosed letter from MCM, stating that they, MCM, would consider the account close, and that there would be no further collection activity or sale of the account.

Please take care of this. Don't ignore them. Respond to any inquiry.

MCM said the alleged account was charged off in 1998-that's 10 years ago, and the law says they can't pursue a debt after so many years.

Hope this helps.

If there are other sites like this, please pass along this message.

I recently contacted midland credit management, Inc. I have a debt that totals $1,915.87. I requested a settlement amount and they said I could only get a ten percent reduction. Is this true and I also don't know if I should let them debit my bank account. I need advice. What is the statue of limitations on an old deby

Midland really sounds like a hard company to deal with. They hava an account of mine. They called and I actually spoke with someone and they asked what I was planning on doing with it and I told them nothing do not call back. Now they call my relatives instead. I figure this is an embarrassment tech. to get me to pay. It is past SOL and they have been soo ignorant in the past that I don't care to work with them. I didn't chose the way life happened it just did...they could have showed some courtesy.

It is against the law for them to contact your relatives after they have already established contact with you. This is in fact an attempt to strong-arm you into a payment. I would slap them with a DV with a limited cease & desist. I would also mention in the letter that they have already violated the fdcpa and FCRA and that you are keeping a record of these infractions and will not hesitate to take them to court if they continue.

I made a settlement payments for a little over $600 to Midland in October and received a letter that the account was now paid down to $0. Now they are reporting on my credit report for over $1000. Any advice?

a few questions........

1. midland is reporting an open, factoring company account, 120++ days late on an old associates card back in 2000/2001. associates is nowhere on my credit reports.

2. i have sent 2 debt validation letters, both cmrrr, and both have gone unanswered.

3. after the debt validation letters, where i specificallt stated only to contact me throught the mail, they have had brackfeld and assoc. calling the house. is this not a violation?

i sent all copies to the CRA'S. stating i didn't send enough ID. but they reopened the cases anyway.

what is my next course of action?

Here is who to go fater, she is also a major stockholder for them.

Encore Capital Group, Inc./ dba/Midland Credit Management, Inc.
J. Brandon Black, President & CEO
Paul Grinberg, CFO
Robin Ross Pruitt Attorney, x4651
8875 Aero Drive Suite 200
San Diego, CA 92123
Phone: (85 560-2600
Toll Free: (877) 445-4581
Fax: 800-306-4443

I just had my credit report ran today and it shows a judgement for a civil case filed in 2006 in a state I havent lived in since 2000. My file was sent from Midland to a law agency and they filed it in 9/32/2006. Midland gave them a address that I have never heard of and because the letters were never sent back I have to pay the awarded interest and fees. I paid my original balance in 2002, however, I never demanded a letter and never followed up to ensure it was removed from my credit report. I do not have any records now for it. Am I srewed or can I fight this without getting an attorney. Thank you so much for anyone's help

I got the same letter in response. i called the original creditor and they didnt have anything either. So now what? I also noticed Midland is reporting the last late payment date different to all three. So where do I go from here? Midland is also adding interest to the debt, which I thought they could not due.
Thanks
Elizabeth