Midland Credit Management - Has anyone been ripped off?

Today MCM garnished my mother's checking and savings account without sending her any documentation that they were doing so. Can they legally do this? The original debt was back in 2000 and was owed to a company that went out of business years ago. What can my mother do to get her money back?

Well I had an account that is past the statue and I just asked for a updated credit report. I guess Midland(bought the old account a few years ago) got my new number from that. I had just updated my address and phone number to get my credit report. Now I am getting calls daily from Midland!
I have also had someone knock on my door twice in the last two days. I live in a secured condo and they can't get in but they can ring someone else to let them in. I guess someone let them in as they knocked on my door. By the time I got there I saw another tenant walking up the steps and someone else went out the door. Couldn't see who it was.The day before someone knocked on my patio door but again missed them. They were gone by the time I got there.
Has anyone had Midland call on them at their home is my question? And how can they garnish your account if they don't have a judgement against you? I watch Casenet and have not seen where they have obtained a warrant.. So far I have only talked to them once and told them I had no idea what they were talking about.I have NOT acknowledged the debt.
I also refused to give my SS number to them and hung up.
My question is have they ever knocked on anyones door?
It is a big coincidence as no one ever knockes on my door..ever. They call me first if it is a friend or family.

This reads as though written by a petulant 13 year-old girl about to start her period.

According to the FDCPA, in case a consumer has filed for bankruptcy, he/she needs to provide the debt collector with his/her attorney's name, number, chapter filed for and case number. In case, you receive a call from a Debt Collection Company, you need to have this information handy. This would make all collection activities cease.

Reading all this is extremely aggravating.

• First of all, everyone needs to pay their bills. Which they don't. Unemployment/ disabilities/ old age/ divorce/ ID theft/ incarcerations. You name it, we hear it. We get it. Human conditions. What no one understands is, that the basic law of credit means, take something in your hour of need and then pay back when you can.

• Second, has anyone ever thought of how a debt collector gets harassed on a regular basis? I'm not complaining, I get paid for it. However, we get treated like dirt. We work for a debt collection company. We get scammed by atleast a hundred, if not more, people who are stalling paying their debts off. So, even if you're a genuine case and you cannot pay on your bill, we're humans too. We have our moments of ambiguity and frustration also.

• Third, if you're in the process of filing for bankruptcy, till the time you do not have a valid case number, the account is open for collection. So, you can either work with the debt collector by keeping them updated on your bankruptcy sessions and all; or you give them your attorney's name, number and case number. They're not going to reach in through the phone and bang your heads against the table if you tell them properly what the situation really is.

• Fourth, a check cannot be garnished without the consumer's consent. Let me tell you why. Once the details are acquired from the consumer, the CRM (consumer relations manager; the tool used to work on) fills in x's where the numbers are. So, all you see is the routing number. Which is required for bank verification (which our paying consumers are very well informed of). So, kindly check your facts there.

• Fifth, if you have paid on an account already, a dispute is in order. All you need to do is find the receipts of the payments you made. Now, since most of these are old accounts, there is a good chance you misplaced the receipt. Fax/ mail in a dispute letter to the consumer relations site. It will be taken care of. Also if you are disputing stolen identity, please file a police complaint and and fax/ mail a copy of it. Its a company, it has its procedures to follow as well.

• Sixth, Agreed that there are a few representatives who do tend to call continuously. All these calls are recorded as is stated in the Tape Disclosure for all of these calls. These representatives end up losing their jobs. The company is very strict about sticking to the FDCPA (Fair Debt Collection Practices Act) rules. Any form of harassment, they're staking their jobs.

• Seventh, Midland Credit Management is a Debt Collection Company. This website needs to get its facts right. It's a registered Company. Not an Agency. They're big on settlements and payment arrangements. All accounts are then reported as Paid In Full to the three major credit bureaus. The number you can reach MCM on is 1-800-265-8825.

• Lastly, I'm sure you're all going to hate me for this, BUT I have to do this anyway. Just so you all step into our shoes. About the payments through your checking accounts or your cards. There are two cases here.

1. People who call you are also working. Working to feed their families. They have targets to achieve. How many of you would honestly send in the said amount through Money Orders like you promise to? I, too, initially waited on Money Orders to come. Surprise, they never did. A secured mode of payment through a card or a check seals your commitment to the account. In all my time here, I only have three senior citizens making a payment through MO. $25 each, every month. Bless them, they're awesome consumers. I barely ever need to call them.

2. When you make a payment through your checking account or a card, it is termed "legitimate representation". This means, that at that very moment, the interest being charged on your account stops (read the fine print on your contracts better, most accounts are charged with interest even after charge offs) and the account then gets reported to the CBs as paying. So, its beneficial for you. We earn a comfortable livelyhood, thanks to the company. We don't need to stake our jobs for a few hundred dollars.

This website favours Debt Consolidation Agencies, obviously. For all the consumers here, please understand that both are businesses. The Debt Consolidation Agencies are merely middlemen. Most are not even "legit". So, I would request you to read all this carefully before you make a decision on how you would like to perceive a company or the debt collectors. We're humans too.

Yes, I'm sure you figured it out. I work for MCM. If you have anymore questions regarding the company I would request you to call the number deleted pm for any more assistance. Unless, of course, this website deletes this comment and blocks me from the website. In which case, they will be proving my point!

Have a good one, guys!

i'll have a good one when i say this.

shillin,shillin,shillin.keep them shills a shillin.as wally in the comic dilbert once said."there must be a thousand ways to say the same thing".nothing you said is close to true as no judgement,no action is done on the up and up.so while i will delete the number as you don't deserve calls.as far as proving your point.if that was a fillibuster trumpeting the bottomfeeder you work for.then point made.

How do you get MCM - Midland Inc to stop calling when they have the wrong number/residence? They continue to call and ask for a "Steve". There is no Steve in our home, nor do I know who Steve is (I am female). They call and hang up on me - then call back again and again. One caller threatened me, telling me he was taping my call and was going to turn me into the IRS, because I was lying about Steve. I told himr to go right ahead, and then I hung up. He then called me back. This is so unprofessional for any company. We are registered in the Do Not Call Registry, which I have told them, but they continue to call.

I appreciate you commenting. I realize that collectors are humans too. I will get to the point on the question I have for you...

I have been getting calls from an "unknown caller" for the past 4-5 days, never have gotten them before. They leave no message or call back number. My dad called me this morning and said someone from MCM called him this morning looking for me and said it was someone I did business with. How do I keep them from calling my parents home? I would have called them back if they had left info for me. I do not need the aggravation of them calling my parents. If it is something legit, I will deal with it, but how do they expect to resolve it if they leave no info?

Get Midland's phone # from your credit report and give them a call. Tell them that you would like to settled this account for 70% discount. Tell them to send you an eMail with this proposal to settle this account and for them to contact all 3 credit berueas to show it's been paid. Make sure you keep all receipts. Send them a money order when you receive the eMail. "DONOT AGREE TO SENT ANY MONEY UNTIL YOU GET THE EMAIL YOU ARE SATISFIED WITH".

What's wrong with the MCM people, managers, are soooo rude and unprofessional. I can't count the times I called them about my settlement amount and that already have been zeroed in. Everytime I call MCM, is a "nightmare". I already called Michelle Lusk and left a message to call me back but never got a call back. May I please suggest to train these people to respect people who call them and willing to pay. I was a victim of cruel verbal disrespect and dishonesty by these people. Mr. Jeffrey Gladstone denied that he sent me a letter prompting me to pay more when I paid off my debt already. Miss Lusk, are you even aware of these terrible feed back, please hear us and do something. You are supposed to be an "Advocate" to people like us who paid off our debt. Hope the next time I call, at least one person is professional enough to address my concerns. Just few minutes ago, a certain Tyron just yelled at me several times. Please hear you recordings Ms. Lusk.

MCM are asses , they took my property tax credit 2yrs. in a row, for Fingerhut, which started their credit card type account that I never signed up for, and then sent me the balance of what was left . So I thought that it was over, right , now 4-5 yrs. later , they say that another $46.00 is still owed. The original account was closed with a balance of $471.00 , they took $1,300.00 of my money and now they want another $46.00. How can this be legal ? To take almost three times what was actually owed ? people should start some type of class action lawsuit against these jerks . There's nothing like kicking us poor folks when we are already down !!!

MCM is such a low life CA that they had the gaull to send me collection letters that said the benifits of paying them would be "We will stop applying intrest to your account". Instead of sending them money I made a copy of the letter and used it to dispute the entry they placed on my CR and it was deleted. Not long after that they closed my account. I don't think that worked out the way they planned it to. It was the best thing for them really. They sent me a dunning letter and I sent them a DV letter. They sent me a letter asking me to provide them with information to help them. Needless to say they got no reply from me. After that I have not heard from them again.

Late last year I got a letter from Capital Management saying they were " engaged to resolve your debt for Midland". I sent them a DV letter within the 30 day period. I recieved a letter that they did recieve my DV letter and that they have " requested the information from our client" It's been almost a year and I still haven't recieved my validation. Maybe the mail is just slow?????

My favorite is their workers from India who say their name is John, Suzanne and Harry!!! Really?

Just becareful because this people will do anything to screw you over,my husband lived in Arizona about a year ago and this people sued him so now they are garnishing money from his check and with alot of interest,We really dont know what this is about because it does not say in the papers so i do not know what this debt is about,I called them,left messages,email them and called their attorney and they do not return our calls.

The people that I have Dealt with are very rude and first of all they are outsourced to India and arent even from the US which is extremely annoying because you cant understand what they are saying and then they hang up on you call you at work even though you told them you cant receive calls at work. Plain and simple they are liars, I doubt that their names are Tim Jones or Vernica Smith, please lets be real here you know who we are where we live and you have to lie about your names. if we cant pay the bill what do you want us to do???????

Has anyone been able to work out a settlement with MCM? I wanted to call and offer to pay 30% of the debt but not sure how they would react.