I got in the mail wednesday a "settlement opportunity" from MCM today. The offer is 581.76 mind you last weeks was 431.78. Anyway I have an updated mailing address in anyone needs it...


midland credit management, Inc
Department 8870
Los Angeles, CA 90084-8870

Phone number- 1-800-282-2644
Fax number-1-800-306-4443

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When I'm good, I'm very good, but when I'm bad, I'm better.

So, it seems they are not yet fixed on the settlement offers before putting it to the consumers. One more example of an unprofessional business approach!

I called this morning to make payment arrangements, I requested for a spanish speaking representative. The guy who I spoke with was very disrespectful. I called back a second time to speak to a different representative, the person who answered my call put me on hold and had him answer my call once more. I was told by this guy that my voice had changed and hung up on me. Any advice?

To funny,

I have sent them 2 DV letters and i have received 2 settlement opportunity letters from them. They will not send a proof info to say the account is mine. Also they are all over my credit report for the same bill. I guess i have one more DV letter to send. Then i will have to read more to see what to do next. But i would not make payment arrangements with them until they can prove in writing what you owe and why you owe that much. There just trying to get your money.

The only advice I have it to call back, or write a letter and say you are hard of hearing (or something like that) and can't use a telephone ... unfortunately they can behave whichever way they want to. Is it right? NO. But it is what it is.

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I guess you could go thru the TDD operator and type it in, tht way a computer generated voice would be talking to them. That actually would be funny as he!!.

I think you have to pay a fee to have TDD access, at least you used to.

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Call them collect. After all, a DC cannot cause the consumer to incur any costs in association with collecting a debt. And if they can't handle that type of call they are in violation of the ADA, aren't they?

I SENT YOU A FAX LOOK OUT FOR IT THANK YOU


*personal info edited - Stanley, this is not Midland. You have reached a community of consumer advocates assisting people deal with debt - NASCAR_Devil

I keep getting nasty collection letters from MCM in CA! I have spoken to them several times a begged them to send me SOMETHING proving that I owe them for purchases or services! They refuse and tell me that "I'm trying to get out of paying my bills!" They are always very ugly. Under the space called Original Creditor it just says: "Household". I believe this is a total scam! Does anyone have any "proof" on these nasty people. They want over $1,500 from me and I have no idea what it's for....

When was the first time you received a letter from them? If it has been more than 30 days then your options at this point are limited. You could send a debt validation letter to them but they do not have to stop collection activity including litigation when they get it.

At this point I suggest waiting it out and see what happens. It will do no good to pay it if you don't know what it's for. They will either sell it off to another company which will be great cause then you get another 30 days to dispute with the new company this time don't ignore.

The other thing they can do is file a lawsuit. Either they will just hire an attorney to sue you or the attorney will send you a dunning letter, that which you have yet a 30 day dispute window.

That's about the best I can tell you right now, Try to think really hard what this could be for. Is there any chance that it's really old, like more than 7 years? If so the SOL has expired, and also the Original creditor would probably not be on your credit report anymore. If the debt is time barred they cannot sue you, if they do you can have the case dismissed with prejudice and at the same time file a counter-claim against them for taking action that cannot legally be taken(FDCPA)


Hope this helps.

I had an account charge off that ended with MCM> Stupid me, I paid in 2004..Now mcm has a different deletion date than original creditor. and 2 years after account was paid, they did a account review inquiry. Is this legal? Any help to make these a**ho**es report this stuff accurately would be greatly appreciated..thanks

To everyone that gets a letter from them you need to send a cease and desist letter certified to their street addrees in order to have them stop call you. That we you have a signed reciept that they did recieve it.