Internet's first get-out-of-debt community - 136,000 members

MK14 · Posted: Tue Oct 17, 2006 3:19 pm Subject: Thanks PI!!

You can bet I will follow up with this appropriately. These people are real snakes!
I appreciate your strong encouragement, I really needed the heavy nudge!!

PI

Yes, thats right you may actually make money off of these SCUMBAG JUNK DEBT BUYER

Follow these proceedure:

Remember these SCUMBAGS and their DIRTBAGS have not power to do anything to you as along as you do not accept their agreement, and The FTC has sole jurisdiction over debt collection, and the BAR ASSOCIATION over lawyers.

1. "STAY OFF THE PHONE"

2. Communicate only in writing and by certified mail, request a return reciept,put the certified number on the letter itself, and make copies for your records

3. Respond to the court and the "attorney" by the same means as line item #2

4. Clearly dispute the debt in a letter to the court and the attorney. Clearly state that you never entered into any contract with the SCUMBAG JUNK DEBT BUYER, and that, there were no attemps prior to filing and therefore you feel the lawsuit is frivolous and should be dismissed.

5. Request a DISCOVERY on the case, and you would like to see what you allegely signed to create the debt with the SCUMBAG, as well as an account history and an itemization of said charges.

6. Now, file a bar association complaint on the DIRTBAG ATTORNEY for unethical activity. Use your imagination. The worst you make the attorney's the better chance they will dismiss.

7. File a illegal/abusive collection practice class action law suit against the SCUMBAG JUNK DEBT BUYER with the FTC for trying to reage an expired SOL to make an acount a revolving account which illegal, and sue them for mental stress and harassment.

Please note this SCUMBAG JUNK DEBT BUYERS have been subject of recent FTC legal actions and penalties for illegal/abusive collection activties.

Remember, these "SCUMBAG JUNK DEBT BUYERS" and "THEIR DIRTBAG ATTORNEYS" file lawsuits only in the hopes of getting a default judgements against you to sue by getting you to accept an agreement when first contact you.

"STOP JUNK DEBT BUYER AND THEIR DIRTBAG ATTORNEYS FROM SCAMMING AND RIPPING YOU OFF"

JM-S · Posted: Fri Oct 27, 2006 2:51 pm Subject: Midland Credit Mgmt...Bogus Address

Hi,

My wife recently noticed a negative mark on her credit report from Midland Credit Mgmt. They also sent her a strange "settlement opportunity". The debt is an old account with MCI that MCI dropped years ago (somewhere between 6-8 years ago) because it was a case of identity theft. Somehow, this MCM has ended up with it.

After reading this forum, we sent them a request for debt validation to their address on her credit report. We used certified mail with a return receipt:

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

Of course, today the letter was returned with this message from USPS:

"NOT DELIVERABLE AS ADDRESSED"
"UNABLE TO FORWARD"

Now what? Is this a bogus address? On the "settlement opportunity" there is an address for a PO Box in San Diego, CA, and an address in Los Angeles, CA. Should we resend the letter?

Is it legal to post to her credit report with the wrong address?

This debt is almost certainly bogus, and probably past the SOL (if not, there are only a few months to go). Any advice on the next step? I'll be saving the unopened certified letter as proof that we tried to contact them at that address.

Posted: Fri Oct 27, 2006 4:18 pm Subject:

I knew that was the right address to contact MCM. It only makes me think that they don't want to accept your certified letter. Clay has a very sound post on this issue. Read this

Irene D. H. Varney

I received your letter of October 27, 2006. For what
is this debt? Please explain in detail. Thank you.
I cannot read the message you sent. It appears to be
a fraud. I need a thorough explaination. Is this a
scam mail? Need I refer this to the FBI?

Posted: Mon Oct 30, 2006 5:58 pm Subject:

Irene, are you thinking this website belongs to MCM? No..

midland credit management : 800-282-2644. Irene, Call them to fix the problem. Midland should validate the debt account in writing. This is your federal right before you pay anything.

ellen · Posted: Tue Oct 31, 2006 8:04 pm Subject: negative reportingt

My son moved back to NY from California 4 years ago when the tech boom went bust. Unbenownst to him, there was a left over balance on a Pacific Bell phone bill. They were apparently billing him at his old address and it was never forwarded to NY. I think Midland must have purchased the debt at some point, but also billed the wrong address. At some point, they must have eventually figured out how to contact himj, and of course, as soon as they inforjed him of the debt, he paid it immediately.I think it was about $250. NOw, my son wa applying for a loan, and this turned up as quite a negative on his credit report. b They have it listed as over 120 days late, and as a collection account. This is really unfair, because had he ever known of the Pac Bell bill, he would have immediateoy paid it. He can prove that he was no longer at that address when they were billing him. HOw can he go about rectifying this on hi credit report? It has really lowered his score.

Posted: Tue Oct 31, 2006 8:07 pm Subject:

The best, safest way to reestablish credit is a secured loan from your local bank with a 1-2 year term. It will help elevate your credit score.

ellen · Posted: Tue Oct 31, 2006 8:12 pm Subject: negative credit report

Thank you for your prompt response. However, what I was adking for was a way to contact Midland and correct the situation. I once had a similar situation myself when Saks Fifth billed my old address in error. When I showed them proof that I had moved the year before, they apologized and removed the negative reporting. I beleive that either midkand or pac bell had a responsibility to bill the correct address and not penalize my son for their mistake. What is the law on this, if you know? And how can we contact them, if you know?

Posted: Tue Oct 31, 2006 8:18 pm Subject:

It's not going to be removed. As far as the phone company is concearned is that your son should have 1)called in to make sure there was nothing left on the bill or 2) changed his address with them.

Unfortunatly since it's already paid you can't do a pay to remove request.

Did your Saks card progress to collections? If so was it Sak's collections or an outside agency?

To be honest you were really lucky if it was with a 3rd party collections agency and they removed it. Because they could have used the, why didn't you call when you didn't recieve your bill stance.

ellen · Posted: Tue Oct 31, 2006 8:37 pm Subject: negative reporting

You know, I really am surprised at your response and I don't accept that there is nothing to be doner. As far as my son was concerned, he had paid his final phone bill. He doesn't know where that came from. They certainly knew he was discontinuing his service. But how can midloand, who had no relationship with my son, get to ruin his credit when they never properly notified him of any collection action. I don't believe thiws can stand and I intend to pursue this. I will let you know if I make progress. As far as Saks is concerned, it waqs not an outside agency. I had cancelled my saks card, and in fact, all of my dept store cardes. in favor of one visa and one amex, each of which provide points for purchases. There had apparently been one small item which remained unpaid as of the last bill. I don't now how that happened but in any fcase when we investigate4d, they were very helpful in admitting the bills they sent to me had been returned as undeliverable. Which in intself was very strange because the post office had my forwarding address. I believe this was also the case with my son when he left california. Anyway, I do not beloieve or accept that one's credit can be ruined by an agency when they don't make every reasonable effort to notify you of a debt or collection attempt. Although neither my son nor I practice debt collection law, we are both attorneys and there are basic tenets that transcend most situations involving individuao or consumer rights. And notice is generally one of those tenets.
In researching, I read tht Midland is perhaps the largest purchaser of debt. Ib would think bthey have a responsibility to either not buy debt which has incorrect debtor information, or to research and acquire correct debtor information, esp debtor address for billing. It wasn't pac bell who reported my son, but midland, who my son never even knew existed.

Posted: Wed Nov 01, 2006 6:20 am Subject:

I'm sorry you don't like my answer. Midland is not going to care why it went unpaid. They are only going to care that it's paid. collection agencies aren't friendly, you might get a friendly agent but even they still have rules and regulations to follow. There is less than a 5% chance that Midland is going to be kind and understanding and remove the mark. Especialy if it was on there for 4 years before it got paid.

People complain so often about collection agencies skip tracing tatics. It's not like there is a magical little beacon placed inside of people to locate them. Skip tracing requires calling, relatives, neighbors possible matches, old numbers, old addresse's...ect. Sometimes it takes years to find someone, even if they aren't hiding.

I'm not trying to be mean or even hard about this. Good luck on getting them to remove it though. It's highly rare that they remove items from credit reports unless you have a pay to remove agreement with them.

PO'd · Posted: Sat Nov 18, 2006 4:38 pm Subject:

Midland is a "zombie" debt collector that purchases old debt months before the statute of limitations and sues for uncollected debt. Don't let them intimidate you....they are trying it on me now and I now know the Statutue of limitations...they also are involved in Illegally "re-aging" debts on credit reports. The collectors tell credit bureaus that an old debt is, in fact, a new one. The goal: To extend the seven-year limit on reporting negative items and put more pressure on the consumer.

Guest · Posted: Wed Nov 29, 2006 10:15 am Subject: need correct address

i sent a letter to midland vredit management @ 5775 Roscoe Ct San Diego, CA 92123-1356 and it was returned "not deliverable as addressed" is there another address for them? i need to settle this debt! please help JG

Dave, Palm Springs, CA

Hello,

I have a question, hope it is appropriate for this forum/site, and maybe I can get an advice from you guys?

Last week we received a letter from midland credit management - it is a Settlement Opportunity/Offer to pay alleged debt of some $350, which MCM supposedly purchased from Verizon. The letter appears to be addressed to my wife but both her first and last names are somewhat misspelled. Anyway, my wife surely doesn’t owe anything to anyone, neither do I, our credit is spotless I believe. What should be our response to MCM, if any? I don't want MCM to try to damage my wife's credit report, not sure if it is possible if the name is not accurate, but never know what these companies are capable of.

Thanks for info in advance.

Dave

Posted: Mon Dec 04, 2006 7:35 am Subject: letter

Dave I would ask them to Validate the debt. Also you can call the orginal creditor and ask if you owe them? Its possible there could be a mistake. KYSIDE38

*Name:
*Email:
*Phone:
*Zip:
*Debt

	* denotes required field

Internet's first get-out-of-debt community - 136,000 members

Midland Credit Management Inc listed on my credit report

Members Area

Free Debt Counseling

Ask the community

Also See

Featured Discussions

Featured Articles

Recent Forum Discussions

Recent Blog Post