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Sandy D. · Posted: Mon Jul 10, 2006 2:02 pm Subject: Midland Credit Management

I received a summons from midland credit management for Emerge Credit card. This is the first I have ever heard from MCM and they are taking me to court for an amount of $5100. I called an attorney and he stated that I should call and make arrangements with MCM but do not give them any financial information. I called the attorney for Midland and they are very nasty. They refuse to let me make payments but yet would take a settlement of an amount of $4132. $2000 today and the the other $2100 in a few weeks to a month. Well I don't have the $2000 let alone the $4132. They of course wanted my job, my pay, etc. I told the person that my attorney did not want me to give out my finanical situation and they got made and stated they wouldn't take any payment or settlement. Does this mean I have to show up in court to get this settled? I dont' want my wages garnished. Any suggestions.

Thanks!

Sandy D. · Posted: Mon Jul 10, 2006 2:02 pm Subject: Midland Credit Management

I received a summons from midland credit management for Emerge Credit card. This is the first I have ever heard from MCM and they are taking me to court for an amount of $5100. I called an attorney and he stated that I should call and make arrangements with MCM but do not give them any financial information. I called the attorney for Midland and they are very nasty. They refuse to let me make payments but yet would take a settlement of an amount of $4132. $2000 today and the the other $2100 in a few weeks to a month. Well I don't have the $2000 let alone the $4132. They of course wanted my job, my pay, etc. I told the person that my attorney did not want me to give out my finanical situation and they got made and stated they wouldn't take any payment or settlement. Does this mean I have to show up in court to get this settled? I dont' want my wages garnished. Any suggestions.

Thanks!

Posted: Mon Jul 10, 2006 2:19 pm Subject:

Before MCM takes the matter to the court, you must make sure if they are authorized for this collection. Send a debt validation letter to their mailing address and force them to give you more details about the account. If they are authorized for the collection, they will honor your request. The debt validation will prove how much you actually are required to pay. It will become clear if $4132 put by them is disputed or not. Send your letter through certified mail with return receipt requested.

Sandy D · Posted: Tue Jul 11, 2006 7:07 am Subject: Midland Credit Management

Well, unfortunately, they have a court date set already. I went ahead a obtained an attorney to see if we can settle the matter out of court. There is a notorized statement from midland credit management that states they have the right to the claim. Thanks for your help!

cynthia wright · Posted: Thu Jul 13, 2006 5:33 pm Subject: unknown

Trying to clear accounts on my credit report there is one unknown account # 851529xxxx $153.00 since 12/1/2005.

Posted: Thu Jul 13, 2006 5:42 pm Subject:

Cynthia, do you see the name of the company besides this account in your credit report? Tell us that name. Perhaps, it might be midland credit management. If you are looking for them, the number is 800-282-2644. Call them and inquire about the account.

oronar06

I filed bankruptcy back in 1998 and shortly thereafter received a credit card. In an attempt to ameliorate my credit rating, I took advantage of this credit card offer. A couple of months after accepting the card, I filed complaints with the company about the charges they were placing on the card (without my knowledge). It became quite ugly and I stopped payment on the card.

Seven years later, I purchased a vehicle with a ridiculous interest rate. I knew that I had the bankruptcy and thought that was why I had a high interest rate on this car loan. I pulled my credit history and MCM had pulled this zombie debt and reported three times on my credit history: as a delinquent cc, as a medical collection account, and as a collection account.

Since then I've been working with a company that is disputing all of the negative charges on my credit report. Now, MCM is calling me virtually every day demanding payment. The company working on my credit has already demanded 'debt validation' and MCM has not validated.

Can I send them a 'cease and desist' letter? Or should I get an attorney to fight this? I do know that debts have a seven year time limit but MCM posted the three fraudulent claims as new (2005). What should I do?

Posted: Mon Jul 24, 2006 3:13 pm Subject:

As per the FCRA laws, the seven years reporting period begins from the date of first delinquency. The companies are not allowed to re-age the accounts by changing the dates, making it look recent. This account with MCM needs to be disputed with the CRA for getting the actual facts. Moreover, you have stopped payment somewhere in the year 1998/99, so it well past the SOL period. From the date of first delinquency, the account should be reported in your credit file. After that, it should be automatically removed from your file unless you made another payment after that period. Dispute with the CRA and get your file updated with correct information. Send your letter through certified mail and keep a copy documented in your file

oronar06 · Posted: Wed Jul 26, 2006 5:01 pm Subject: MCM lawsuit

Is anyone filing a lawsuit against MCM for fraudulently 're-aging' zombie debts?

Carole · Posted: Fri Jul 28, 2006 6:03 pm Subject: Midland Credit Management

I have been hounded by this company for a debt of $359.51. I couldn't get hardy any details. I did inform them about 3 years ago we had a lot medical problems going on and we settled with a few credit cards company and agreed to pay off's. The only one I can thing of was Providian. They agreed a pay off of $1500.00. Couple months after that I did receive a statement from them showing a balance of $283. When I called them both times they explained to me it would disapear. Never ever received another bill until about 3 years later from Midland. I don't feel I should have to pay them, since there was an agreement between me and Providian. I'm on Social Security and have some medical problems going on with myself. They do not listen to you when you explain. I told them I paid that bill in good faith to Providian. How can they come back and do this to me.
I told them that was a poor way of doing business. We also never heard from the other payoffs and nothing has hit my credit record. Please reply, I'm at my wits end with these people.

Posted: Mon Jul 31, 2006 11:50 am Subject:

Carole

Did you dispute these charges with the company in writing? You should send some letters explaining the facts and they must check their records. I guess, these charges can be waived off if you are able to do a sound negotiation. You can also take the help of a counselor in this matter. Many people dealing with MCM are coming up with the same problems. You need to get this matter sorted out and get the 'PIF' in writing from them.

Lori, McHenry, Illinois

I have been receiving settlement offers and phone calls from various collection agencies associated with midland credit management, Inc. regarding the debt of someone I never heard of but whom they have supposedly living at my address and at my phone number! I have continously asked them via phone calls not to contact me any more and they continue to do it. How can I resolve this issue?

tara dillard · Posted: Mon Aug 21, 2006 3:00 pm Subject: credit

I owe Fingerhut and wonder what kind of settlement they would accept.

tino · Posted: Tue Aug 29, 2006 5:04 pm Subject: uestion

Hello.... uuummm... I have a question. See.. I am not normally a member of this forum. I just found it online while trying to look for perhaps some webite informaton concerning midland credit management inc, and stumbled upon this website.... so maybe you can help me. If not I am sorry if I have wasted your time. I need to contact mcm, but I am currently in Oaxaca Mexico for the next 4 months. It seems MCM is collecting a debt that is unfamiliar to me... if not all ready taken care of 2 years ago. But if not, I would like to pay the charges, yet I cannot seem to find a website so that maybe I can e-mail them for the time being. Can any of you help???

Posted: Tue Aug 29, 2006 5:44 pm Subject:

midland credit management can be reached at 800-282-2644. Do you have any information about the debt for which they are collecting? They have to send you something in writing before you pay them your money. Review the account carefully. Know the SOL of your state and find out whether the account is still under legal collection timeframe.

tino · Posted: Wed Aug 30, 2006 10:26 am Subject: thanks

thanks I will have to look into it...but it is a bit difficult... again I am in Oaxaca Mexico. It has been 2 years since I have had any bills. And I did have to file bankrupcy... so I believe that case was filed... but I am trying to sort all that because if it isnt, I do want to pay the dept now. Doing 1-800 numbers in mexico is a bit easier said than done. I think they still charg alot. But this isnt one of those things I can let go. Do you know if there is any e-mail that I can reach them at... or only a number?
Thanks alot!!! I mean that! You are a big help!

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