Midland Credit Management - Has anyone been ripped off?

also he said his name was Melvin Johnson i agree with other people it sound like ahmad

One of my relatives who I have never, ever used the phone number on any application any where received a phone call from these people who gave her my whole name. I do not understand why. I follow my credit report and although these people have inquired in the past about my credit, I don't know who they are and have never owed them anything. I feel that they should be run out of business. I do have some old debt but I am disabled through an illness and I have not made a new bad debt since I lost everything after my divorce around 2003. It is now 2010 and most of the bills I owed no longer show up on my credit reports. I check them often. What do I do to get them to back off? I will never send them a letter, call or speak to any of them for a time-barred debt.

What do you do when they call a relative and discuss your account information with them?

Apparently my ex-wife has an account with these people and they got my phone number. They call three times a day whether they need to or not and I've explained a dozen times I am not her husband and stop calling me but they keep calling and they think they are smart by hiding their number but if you are nice to them they will gladly tell you who they are, their phone number, what the account is for and who's name it's in. That's handy information for your lawyer

I have lived in Central America for 5 years and MCM still harrasses my 86 yr. old mother. Verizon tried to rip me off about 5 yrs. ago.
Do you have a fax number. I want to fax a copy of the original letter I sent Verizon.
Thank You,
Brian Schaller

Today I received another phone call from a representative of Midland Mgt credit from someone in India no less, looking for a person named Susan Downing or Downey. Over the past 3 or 4 years I have received 0ver 25 calls looking for this person. I do not know who she is and so informed the callers everytime their rep. has called and asked them to stop calling and each time they have agreed to do so but a month or two later I get another call. Prior to today they have refused to answer any questions however today this persom with a heavy Indian accent told me his name was Bob Dawson and that he was calling from India and gave me a phone # of 1-800-265-8825 ext 53026. Hard to believe an Indian is named Bob Dawson. I am interested in contacting an agency in an effort to stop this harrassment. Any suggestions?

l'm in the process of sending them a payment validation letter. They fraudulently made a payment to my debt, which is passed the 4yr requirement of Statute of Limitations. l truly believe it was done for debt reaging purposes. Luckily, it's still within the SOL period! Any ideas as to how to word my letter? l'm definitely going to seek legal counsel.

I just found out my fiancee owes MGM $4.3k for a debt which is legitimately hers. We do not dispute nor the debt, nor do we fault MGM for wanting to collect it. They are willing to settle in full for $2.6k. She does not have that much money. I, however, do. I will gladly pay that amount so that they go away. My concern is this, and this alone...

If I give them my debit card number over the phone and authorize a payment for $2.6k, how can I be absolutely sure that they will, in fact, leave us alone forever?

I should be receiving a fax from them any moment now, in which they are going to promise they will mark "Paid in full" on this debt, and inform the credit bureaus. I will read that fax when I receive it, but I haven't yet. I have also been told that upon providing the debit card number, I will get a confirmation number, and 48 hours later, I will receive a fax which says this debt has been closed and the bureaus have been notified.

So, since you guys seem to be familiar with this stuff, will doing this make them go away? That's all I want. What I don't want is a letter that says, "Thanks for the $2.6k; now you only owe us $1.7k more." What I want is for this payment to be the last. Can I be sure of that? Thanks for your speedy advice.

i would not pay with a debit card over the phone, i would however do a check by phone ONCE you have a settlement letter in hand with the agreed amount, account number, name, date to be paid by.

also if i missed it im sorry but which creditor is MCM collecting on ? i find that dealing with MCM isnt that bad at all and you should definitely get a better settlement, you also want to find out if they own the debt, if you look at the letter it might tell you some facts.

depending on who you owe which i dont know i would try for a 30% or even lower so they can counter you at 30%, keep trying! sounds like its already charged off so you dont anything to lose unless it leaves them and goes to a worse agency.

The original creditor is Chase Manhattan Bank. We are going to contact them to see if the debt was sold to MCM or not. I tried today, but they had already closed. I will call tomorrow. If the debt was sold, or if not, how does that change what we should do?

How could I offer to pay 30% of the debt? Already, them offering a 60% settlement sounds good to me. But then, I've never been in a situation like this myself, so I don't know; that's why I'm asking. If we can get away with paying less, then by all means, that'd be great. What kind of bargaining tactics can I use?

Unfortunately, I feel as if I have made matters worse by calling MCM today. I should never have done that, but I didn't know any better. Now they have my phone number and my office's fax number. Previously, they did not have either of these. They had been just sending letters, which my fiancee (then girlfriend) had just been ignoring. The more I read about MCM online, the more I wonder if she had the right idea all along (even though that doesn't really sound "right" at all).

We're going to call Chase tomorrow to see if there's anything we can do through them, without involving MCM, because all I know for sure right now, after my limited research online, is that I'm not giving MCM my debit card or checking account number(s).

Oh, and thank you, unregistered guest, for your reply. Thank you, anyone, for your advice.

a very accredited rep at Chase once told me that Chase allows the collection agencies go as low as 25%, now with IC Systems they can go as low as 20% with Chase.

well to tell you the truth on how to offer them 30% call and tell them you can only afford whatever 20% is but dont make it exactly 20% because then it sounds like youre lying and just trying for a specific percent.

stick to your guns and youd be surprised on what you can get.

i paid of an account several years ago from chase card. i need the account# and the year i settled the account. my email is deleted...pm

gloria we are not chase or anyplace that settled this debt.you will have to contact them yourself.

Someone please help me. These people are making my life a living hell and the people that work there are very rude. Someone threatened me and told me that I

i have a ? about the sol.i had an acct. with speigal(fcnb).the bill was when i lived in ohio in 1999.ive since moved to indiana in 2004,i know fcnb webt bankrupt in 2003.now mcm is sending me bills.i know in ohio the sol is 15 yrs and indiana is 6 yrs.can mcm collect on this if the sol is run out.