Midland credit management sent me a "settlement Opportunity" on debt over 20 years old. I know I need to send them a validation letter and will do so. My question is, should I send back their "opt out response form" or is that a scam as well? I don't want to give them my email address.

[NASCAR_Devil]

I would send them a FOAD letter on a 20 year old debt.

Thanks NASCAR Devil. But what is an FOAD? I live in Georgia and would like to send a complaint to the state as well.

[NASCAR_Devil]

F@#K Off and Die. Do not ever contact you again. You can file complaints with the AG's in your state and theirs but doesn't sound like they are really doing anything illegal with just a letter. Remember, just because a debt is beyond SOL and credit reporting periods does not mean it is no longer collectible.

Thanks again. I have my letter ready to go but one more question. I lived in Florida at the time this debt was incurred (my ex-husband was ordered to pay this in our 1988 divorce and didn't). I moved to Georgia in 1988 and have lived here ever since. I realize that the statute of limitations has run out in every state of the union but which state applies to me now? I would just like to reference the correct statute.

[NASCAR_Devil]

The state in which you currently reside would be applicable. Was this a joint account?

yes it was and I realize the court order did not stop the creditors for coming after me. Believe me, I paid what I could of the debts that were his responsibility as well as the ones that were assigned to me back then. Do you think I should still send Midland the "Opt out" form?

[NASCAR_Devil]

I would attach a copy of it to your FOAD. Do not fill anything out on it.

HOW DO I KNOW IF THEY RECEIVED MY PAYMENT EVERY MONTH ?

[NASCAR_Devil]

The only way to be sure would be to send them CMRRR

i disputed an account on my credit report for a wireless phone bill handled by midland credit. I sent a certified letter asking for validation of this dept. they called me back 6 weeks later saying in ohio they if i fail to ask for it within 4 weeks they dont have to give it to me. can i do anything about this?

JUST CALL MIDLAND CREDIT MANAGEMENT, INC.'S COMPLIANCE ANALYST AND GIVE THEM BACK THE HELL THEY GIVE YOU:

MICHELLE LUSK (858) 569-3963 - DIRECT LINE
(michelle.lusk@encorecapitalgroup.com, michelle.lusk@mcmcg.com)

OR HER ASSISTANT:

BRANDON BLACK (800) 282-2644 EXT. 5316 (brandon.black@encorecapitalgroup.com)[/b]

its been about 2 weeks since I've paid off by debt to them and they've already cashed my check but how do I take them off my credit report and how long does it normally take?

I just have one question, my wife had a collection. It was from 2001 and the amount was only the interest that was incurred. It went to collections and eventually to MCM. I just got off the phone with two people, a Mr. Sandy Costello and after receiving intimidating and rude treatment, I spoke with his manager Mr. Vincent Williams at 1.800.265.8825 ext. 2306. I'm pretty sure these aren't their real names. But none the less Mr. Williams stated that he will correct the customer service issues I experienced then proceeded to treat me the same way. When I asked for his supervisor, he laughed at me and said he was the highest person there. Anyways, my wife's issue began in 2001. In California, the SOL i understand is 4 years. She took steps to get it off all three credit reports and it was removed. He basically told me that the SOL was up in 2005 and while there is no legal action that they can take, he feels that we have a moral obligation to pay it......uhhhh.......not after the way he talked to me. Anyways, the SOL is up, by HIS own verification, and it's been removed from all three credit agencies. Is there anything else we should do? MCM isn't even on her report. By the way, he actually threatened me with the fact that he was recording this phone call and wanted to know plain and simple if I was not going to pay it and that it would be recorded. I told him that I would get back to him. Any suggestions?????

I have had 2 accounts through Midland which were actual accounts that I had once had and had been sold to them apparently. Anyways, I paid one off and later received a notice that I could settle and pay half of the other. I responded via phone and of course got to speak to Tom, Dick, Harry...or whatever his name was. Well, to make a long story short, they said that that offer was no longer valid (even though it had been like a few weeks and the letter said nothing about a deadline). I have been sending in payments (small ones) on this account and it takes them FOREVER to cash the check and they never send me a new statement....what is up with that???

[needmylifeback]

I've got MCM on my sh*t list....they sent me the "offer to pay with these 3 options" letter like others mentined, but it doesn't sound like every one else noticed that it doesn't say anywhere on the letter about the "you have 30 days to dispute this debt in writing" disclosure that is required my law....1st offense....

Then I sent them a DV letter anyway, they ignored it. Then 60 days later I sent a Pay for Delete settlement letter, they ingored that too. So now I have disputed their entry with the CBA's and MCM has "verified" the debt with TU and not with me...second offense.

I'm waiting for my EQ and EX reports to come back and then I'm drafting a very pretty letter for their legal dept to look over any suggestions?