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MePaige · Posted: Fri May 23, 2008 6:48 pm Subject: Midland Funding,LLC

I guess when it rains it pours. I received today a letter from Mapother and Mapother,P.S.C. who states they are representing Midland Funding. This is dated April 24, 2008 and I received it TODAY in the mail. I have my debt validation letter ready to go in tomorrows mail via certified return receipt. My question is this : In this letter they state that no attorney has "personally reviewed the particular circumstances of your account" and if I dispute the validity that I have 30 days to do so. By my calculations, AFTER tomorrow the 30 days are up. Am I I correct in my understanding? Is there anything else that I should send them? I am using the template provided, the one with the new and improved grammer and spelling. Thanks in advance.

Paige

Posted: Sat May 24, 2008 7:30 am Subject:

Paige,I had a CA to that to me also. What I did was, I made a copy of their letter and a copy of the envelope with the postage date and included it with my letter.

Hope this helps..KAren

Posted: Sat May 24, 2008 7:50 am Subject:

Definitely include a copy of their letter and the envelope it came in with your DV letter. Also, mention in your DV letter that their letter just arrived today. I might even ask them [leadingly] if they sat on it intentionally. But I'm a nasty, suspicious, old Wulf with no sense of humor where these things are concerned.

Guest · Posted: Sun May 25, 2008 5:32 am Subject:

Thank you Bossy and UncleWulf for your replies. At the end of my reply I did in fact make note that the letter was received on the 23 of May but dated the 24 of April. I should have in retrospect, also noted that it was sent to the wrong address,and addressed to MR. and I am very clearly a female. I missed y'alls post about also including the original letter and envelope. Anyway it was sent out yesterday via certified mail return receipt. Once again, thank you!

Paige

Guest · Posted: Sun May 25, 2008 5:34 am Subject:

I mean a copy of the original letter and envelope.oooops

Paige

Posted: Sun May 25, 2008 6:32 am Subject:

You got the letter out, that's the important bit at present. Hang onto the letter and envelope! They'll make good evidence if this thing winds up in court.

If we can be of further assistance, holler. We'll be here.

Posted: Sun May 25, 2008 7:30 am Subject:

In most cases the court would go from date of receipt.Follow everyones advice on keeping the letter & envelope for future use.

SherryL · Posted: Sat Jun 07, 2008 12:12 pm Subject:

I got the same letter too but my was dated for may 30th...but I never had a account with midland funding...plus my letter states the same as your paige...

SherryL · Posted: Sat Jun 07, 2008 12:17 pm Subject:

Can anyone tell me what or who Midland Funding is....

Guest · Posted: Sat Jun 07, 2008 12:27 pm Subject:

Sure I'd be happy to.

Midland Credit Management, Inc.
aka/Midland Funding
a subsidiary of Encore Capital Group, Inc.
MRC Receivables

Your best bet is to go over to budhibbs.com and click on the top AGENCIES TO AVOID scroll down and look up Midland credit Management and read all about them.

Posted: Sat Jun 07, 2008 1:29 pm Subject:

In short they are a collection agency, I think they buy debt as well.

Posted: Tue Jun 10, 2008 5:40 pm Subject: Settlement on MCM account!

MCM has my cell phone account which I have disputed since day 1. They have threatened me with an arbitration proceedings in case I dont repay the whole amount (about 5K). I am sick and tired of disputing this and now want to settle it for pennies. For how much can MCM settle this for me? Or how much should I offer them to settle this account.

Will appreciate replies.

Guest · Posted: Wed Jun 11, 2008 5:35 am Subject:

Not to be an ass but how in the hell do you have a $5,000 cell phone bill?

What is the original amount that you owe?

If you want to pay it off, negotiate towards the end of the month and you have a better chance of paying it off. Offer them about half of what was originally owed, not what they say which probably includes interest.

Make sure you get something in writing and also if they are on your credit report, payment for deletion. have a witness or tell them you are recording or have a witness on the phone. Don't want to break any laws.

Guest · Posted: Wed Jun 11, 2008 7:14 am Subject:

Service provider thinks I called Heaven from here. Even I am out of clue how they charged with that amount. I am sure that includes a hefty interest and other fees.

Posted: Wed Jun 11, 2008 10:27 am Subject:

I had a very high regular telephone bill ($1,000 or so) from speaking to my (future) husband on his cell phone overseas. I didn't know that I would be charged a by-the-minute fee in addition to the long distance fees, and he was charged per minute as well. We talked for 4-5 hours a day (yes, we are still in love and still married after 4 years!) Boy did we learn a lesson with that one!

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