RM,

Please see this thread, your query has been replied here:

http://www.debtconsolidationcare.com...todispute.html

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I recieved a letter offering a settlement by 2/11/06, I just started a new job and I would to ask if midland credit management would extend my due date. I really would like to take advantage of this offer. Please give me the opportuntity to put my credit back in good standing. I don't have a phone at the time, but you can reach me via e-mail I look foward to hearing from you soon.

Thanks in advance

email address removed as per forum rules - Vikas

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Shukriyyah, you need to request payment extension to midland credit management. This is a debt consolidation forum and does not have any affiliates with MCM

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If midland has never talked to us before or notified us can they sue us for a debt that was "charged off" on our credit report in january of 2002, when sold to midland, currently in january 2006 when the statute of limitations is 4 years to collect?

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I recieved a letter from Midland (whom I have never heard of before). It said that they would reduce my owed balance in half if I would pay the amount immediately.
First off, they had my correct address,but, the name on the letter was similar but not the same as mine.
They also had account numbers etc.
I do not have any outsatanding debts at this time and am wondering if they are just fishing for information.
I have not checked my credit report and am wondering how to do that. I am a senior and concerned about others who get these letters, will they just pay the reduced amount even if they do not owe anything just because of fear that they might be in trouble?
Thanks

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No legal actions are possible once the SOL has expired on a particular debt. The collector might be pressing some legal actions and force you to pay this debt. They are not restricting from collecting debt if it is done in a fair way. But, you have to be aware of the legal aspects. In any case, it is necessary to give the details in writing before forcing further actions. It has to be proven in the court that they tried to contact but failed to locate you at the mailing address.

Hilary, in future if Midland gives you the debt details in writing, dispute it mentioning the expiry of the SOL. It is important that you dispute on it otherwise they can prove your ignorance towards it. Send your letters certified with return receipt requested. Keep everything documented in a file for records. The judge should be aware that you took every step as guided in the fdcpa laws

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J.O.

There is nothing to fear if you are called by any agency asking to pay some debt. If there is a debt, it should be paid. But before you do so, it is very important to see the account on which you will be paying. You should have the complete picture with all the account details and interest charges added on it. If this collection agency is collecting on behalf of your creditor, there should be proof that they have been assigned legitimately to collect the money from you. There has to be legal evidences about this account before anything is paid.

As the company is offering you some settlement deal, ask them to put it in writing first and also give you the account details. Review it properly so that you are sure that there is an account that needs to be paid.

Do not fear and pay anything without reviewing the account. It is this fear that will further boost up such agencies and again place the contact to you. Kill the fear from within and know your legal rights. Here is a page from the FTC website that will give you some legal advice.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

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After further investibation, I found someone in
my area with several a.k.a's including the name
that this debt is in. Would you advise me to
contact midland credit management and let them
know of this individual, or even the athorities?

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You must send one debt validation letter to the company's mailing address and request for the accurate account details. You can legally refuse to pay the debt before it is shown to you with proper details. midland credit management can be reached at the following address.

Midland Credit Management
5775 Roscoe Ct
San Diego, CA 92123-1356

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I notice on my credit report several inquires by this company. Looking further into they are collecting on behalf of Fingerhut. I had a problem with Fingerhut probably 3+ years ago with items they did not send to me and charged me for. I spoke with Fingerhut with no luck back when this happened. What should I do with regard to Fingerhut and Midland? Any help would be great.

Shelly

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Shelly, since Fingerhut is making the inquiries that is hurting your scores, you have to resolve this matter with them first as you have not used their items. If required, let your attorney handle this case.

Once the attorney disputes with the company on the validity of the inquiries, you will get the real picture about the ones to stay in your file.

Once the matter is resolved with Fingerhut, things will get cleared with MCM too taking the same process.

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I have posted a thread about this, but in case you didn't see it...I came across this website earlier, and it may be something you may want to look at since you are now dealing with this CA:

edcombs.com/FSL5CS/Custom/TOCSpecial.asp

Hope you find it helpful, or at least interesting.

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What bill is this?

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Ann, you might be having the query about your bills with midland credit management. You need to call them up and request for more information.

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They are trying to collect an old FingerHut debt that my husband does not owe. We don't remember when we did what, but some time ago he called and told them he didn't owe the money, and when that didn't stop the bill, my husband sent a letter telling them to send proof that he owes the money, and he will pay it... or stop contacting us. They called again, and when my husband finally spoke to the guy--he basically told him that because of the Fair Credit whatever, the burden of proof is on him.

They are threatening to send it to their attorney, etc. He got mad and told them to go ahead, and maybe the attorney will send proof that he owes the bill.

Can they (anyone) do this?? Force someone to pay a bill that they did not incur? My husband has an ex-wife in CA (we live in AL), and she has used his SSN several times, to try and obtain credit.

Help!

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The debt was incurred in 2001. My husband divorced his ex-wife in 1996. He has put a fraud alert on his credit, but it obviously was too late for that particular incident.

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