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Posted: Wed Aug 30, 2006 3:58 pm Subject:

midland credit management, Inc.
8875 Aero Dr. Ste 200
San Diego, California 92123-2255
Phone: (858) 309-6970
Fax: (858) 309-6977
Web Address: mcmcg.com

soulangel santana · Posted: Mon Sep 11, 2006 6:57 pm Subject: regarding a judgment on a civil court

I have a judgment that shows up on my credit report from the queens court in new york city but I don't know what it is about, can you tell me

soulangel santana · Posted: Mon Sep 11, 2006 6:59 pm Subject: regarding a judgment on a civil court

the judgment names midland credit as the plaintiff

Kelly Gaspard · Posted: Fri Sep 22, 2006 8:13 am Subject: Uncashed check

From a closing in 2002, the borrower of one of our files was to pay midland credit management off per their lender who had this on the borrowers credit report. Please send me your ground address so I can send a letter pertaining to this. Thank you for your time.

Posted: Fri Sep 22, 2006 1:46 pm Subject:

Kelly, see a few posts above. Address of MCM is put in my previous post.

alana · Posted: Tue Sep 26, 2006 5:23 pm Subject: credit report

how do i pay you off

Posted: Tue Sep 26, 2006 5:31 pm Subject:

Alana, I think your file is with midland credit management. Please call them at 800-282-2644 and work out your payment arrangements.

CluelessInOhio · Posted: Fri Sep 29, 2006 5:00 pm Subject: Another MRC/Midland issue

MRC/Midland/Kansas Midland/whatever apparently bought out an old debt of mine that I couldn't pay due to illness/unemployment. I have never received ANYTHING in writing from them stating that they bought it or what the original debt is, etc. They filed against me in a local civil court. I never received a summons, which supposedly was mailed via regular mail. I responded in writing to their attorney and the court. I asked for validation of the debt, but I haven't received anything. The case now has a status of CLOSED according to the county clerk's website, but none of the parties involved have responded to my request for information in writing about the suit. I'm not sure what the process is from here. I haven't received anything from the court since the case was closed (3 days ago). I have a diabled child, and I can't afford to have them freeze my bank accounts or anything like that. What should I do?

Guest · Posted: Fri Sep 29, 2006 5:05 pm Subject:

Sorry... I have a disabled child, not a diabled one. (can you tell it's been a long day?)

PI · Posted: Wed Oct 11, 2006 10:26 am Subject: What is MCM

A few questions for this forum:

1. What is MCM an does they go by other names?

2. Should a person respond their letter when there is an error on the letter, such as, surname,amounts, or a non-existence accounts?

3. By responding to them does this reinstate the the SOL on the non-debt that a person has not incurred, or has incurred and the SOL is about to expire. Once SOL expire the person(s) cannot legally be made to pay off an old debt, or be sued for the debt. A peroson(s) just have placed on their credit report debit unpaid and have the old debt wipe off in 7 years.

4. Does this company conduct fishing on old debts on person(s) with similiar name to restate the SOL to sue a person(s) at a later date.

5. By sumbit a DV to this company is admission to debt that is not the person's debt.

6. Is it not the burden of proof on the company to verify the person.

7. How does this company and companies like them conduct their fishing programs.(fishing program- is when a company(ies) wants find any person to connect to a debt, or any means to bring to account by using any similiar name(s) to connect)

8. Is this forum goal to work and assist person(s) whom seek information to stop companies like MCM from using scare tacic by scamming them into accepting debt that is not their, or when their SOL on a debt is expiring

Please answer these questions. Have several individuals whom have contacted us on this subjects about this company and others.

Posted: Wed Oct 11, 2006 3:36 pm Subject:

1) midland credit management

2) When there is an error in the letter, it should be immediately disputed.

3) Placing a dispute does not restart the SOL period. It is done only when the DOLA is changed or a commitment to pay the debt is made.

4) Clerical mistakes can happen with anyone. Some do that intentionally and some do it by mistake.

5) debt validation letter gives you the confirmed info about the debt. If this is one's debt, there must be a proof of it.

6) Yes

7) Verifying the employment. Credit checks are also done periodically.

8 ) The forum will give you individual opinions that are right. You will become educated and know how to deal with shady companies that are violating the federal and state laws. You have the rights to file class action lawsuits against the one breaking the laws and get compensated.

PI

Please explain in detail the DOLA and it function as it relates to the SOL for the visitor to this forum. Please anwser questions to what they are asking. Those anwser are very vague and does explain anything.

However,is it true that MCM is a junk debt buyer, and companies like them have been the subject of recent FTC legal actions and penalties for illegal/abusive collection practices.

Where these companies such as MCM attemp to reage an account by forcing a person(s) into a settlement on a time barred, or expired SOL accounts, and to be able to report the debt delinquent to the FCRA/FACTA within 90-days of the settlement from the actual date that the debt became delinquent to bring a law suit against a person(s). It is the burden of the junk debt buyer to proof to verify the person(s) to be able charged the individual with the debt, and not the debt per say.

The fact is that the old debt has are ready been charged off by the original creditor(s), and sold to a junk debt buyer(s) to engage in illegal practice of debt collection by threaten a person(s) by selling their information and violate their privacy, or by offering an settlement to reage the account.

Moreover, such companies purchase debts to reage the debt that are outside the SOL for lawsuit against a person(s)and to place debt as new on a person's credit report as revolving account, which is illegal.

The anwsers obtained here were very vague, really does not address the questions. For example, does MCM go by other names. The is yes they do. MCM is the parent company of Encore Capital Group.

By responding to such companies with a DV is an admission of debt that is not yours,or to a old debt SOL is about to expire on the debt, which means that a person(s)will have the legal right not to repay the debt.

These companies like to misreporting the legal status on an open date charged off debt that was actually discharged, and also misreporting the open date and date of last activity on an account. These are the favorite illegal tactic these company like to use.

The only corrspondence one should send is a false claim to debt letter due to errors base on illegally to make a revolving account to an expired SOL on debt along with a warning of any further contact will be followed by legal action and a report to the FTC.

Send with no signature on any correspondence to these companies, the certified form (must be all typed no hand written on any documents), and the uses of a P.O. Box that is not registered to said person(s), and no email addresses to be used in any reply to said companies.

If a person feels necessay to send a DV, request the junk debt buyer scammer, you demand everything in writing, demand proof that they own it or have the right to collect it, and along with proof they are licensed to in your state they are operating in as well as the state you in live, and be very careful when you do. Remember, it their goal to obtain information on the individual. KNOW YOUR RIGHTS.

Then clearly dispute the debt, and demand a full itemized of charges and an account history. Remember, never speak to anyone who is a represintive of these companies. Its a waste on time.

Moreover, the DV only give a person(s) a comfirmation of the debt to the junk debt buyer,and does nothing to say that the debt is the person(s)or not. It is a tactic to be used to verify an address of the person, and to otbain other information on that person(s) to be used against said person(s).

As far as filing a class action lawsuit against said junk debt buyer. A person(s) will have to do a bit of research on these companies legal status to collect debt to file on them. Some companies has parent companies to report and file suit upon.

Junk debt buyer maybe operating through the parent company and may be immune from the suit bought against them (these companies are very slick and not to be trusted), and a person(s) can only file on the company their parent company, or other companies they may be using.

Here is the list of the top companies who are junk debt buyer, and some of these companies may be owned in part by others:

*Asset Acceptance(AAC)
*Sherman Acquisitions/Sherman Financial Group/Alegis
NCO Group
*Asia Funding
*Encore Capital Group(parent of Midland Credit Mgmt)
*Allied National/Interstate Risk Management
Alternative (RMA)
*IRC & Associates
*Arrow Finanical Services (major interest acquired by
Sallie Mae 9/04)
*RJM Acquisitions
*CAMCO (Capital Acquisitions & Management Company)
*Excallbur
*Cavalry Portfolio Services
*Unifund Group
*Phoenix Asset Acceptance
*First Select Corporation (part of Providian)
*Collins Financial Services
*Oliphant Financial Corp.
*OSI Portfolio Services

As mention above, these companies has been the subject of recent FTC legal action and penalities for illegal/abusive collection practices

Hopefully, this forum show individuals how to fight back and not to submit to these wolves, and not to appear as a wolf in sheep clothing in giving advice. In fact be that shepard and protect them with whom their are dealing with.

There many who are seeking help with their problem, but get the same information and nothing to fight back with other than send a DV.

It would be a shame to discover that those whom are given advice are agents of these companies in spike of stating that they are not apart.

Remember this:

My people are vitims for lack of knowledge and fool me once, shame on you, fool me twice shame on me.

MK14

I recently recieved a phone call from someone from this company, they indicated a past debt with visa which I was not aware of, i asked them to contact me in writing which they did, but it did not indicate any information or details on this debt. I have been recieving phone call on my private number from these folks and would like to address this appropriately. The letter above looks like the best first step. Please provide your thought. Thank you!

PI · Posted: Fri Oct 13, 2006 9:10 am Subject: STAY OFF THE PHONE

Mk14,

Stay off the phone. They are setting you up. Communicate only cerified mail and keep copies of everything you send, and they send you.

Remember, you are dealing with a junk debt buyer, and they are tring to reage your old account because the sol is about to expire. Where you are legally not bound to the debt, they will offer you a settlement to make the a revolving account , so that, they can sue you, which is illegal.

If you accept the settlement you will get screw'd. These junk debt buyer and their lawyers don't have any power to do anything to you unless you make an agreement with them. The ftc has sole jurisdriction and the bar association is over the lawyers.

Stay off the phone,certified mail only and check your credit report myfico.com, or freecreditreport.com

Stop scumbag junk debt buyer from scamming!!!

jojidu · Posted: Mon Oct 16, 2006 8:01 am Subject: SOL help

MCM is suing me for a debt owed to Circuit City. It was filed 10/03/2006. I believe the SOL has expired, so I just want to confirm.

In NM, the SOL is 4 years. My activity with Circuit City is:

Last purchase: 08/05/2002
Last payment posted: 08/20/2002
1st unpaid bill: dated 08/22/2002, due 09/16/2002
1st bill without a payment posted on it: 09/22/2002
"more than 30 days past due": 10/22/2002
"in legal default": 11/22/2002

I have never spoken w/ MCM regarding this account. By my understanding, the SOL started with my last payment, 08/20/2002, which means the suit was filed 1 month and 13 days past the deadline. Do you agree? Is it possible that the Judge will use another date, or the date MCM bought the account?

Posted: Mon Oct 16, 2006 5:17 pm Subject:

jojidu, read Marcia's post in the link below. It will clear all your queries on SOL.

http://www.debtconsolidationcare.com/pub/about15637-4.html

No legal actions are possible after the SOL is expired. I just came to know that payment doesn't renew the SOL especially after the contract is breached.

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