i am reporting your company to the attorney generals office for harrassment you call several times a day and dont leave a message from a blocked number i know its you once i talked to one of your reps and they said it was your company i dont know know how you got my number and have denied the account in questions for years and it is stated so on my credit report you need to stop harrassing me and calling people and not leavomg messages

[paulmergel]

good for you my friend.do not take the abuse.

[cjohnson67]

I am in the process of cleaning up my husband's credit report & MCM has several accounts listed on his report and they are also under different companies for the same OC accts. How can I have these deleted from his bureaus? Everyone says dispute with bureaus 1st, then once verified accurate (due to eOscar always gets verified), ask CA for validity of debt, but what do I do once they can't validate? Also if I write CA's and tell them I only want to deal with OC's how does that affect my chances of deletion for debts that have passed the SOL. My credit is affected by his debt & I had good credit(760+) until we moved to a community state where his debt became my debt. After being out of work for 5 months I need to restructure our budget for current bills and I feel bad because with his debt from 7-9 years ago still being bought by various CA's I have no choice but to get it written off. Being a bookkeeper I have records from the OC's when they charged off the debt but now out of the woodwork the CA's are coming at him left & right and the amounts have quadrupled on some accts. from the original charged off balance. How can they do this? I know I am inundating you with a barrade of questions but my son graduates from high school next year & I want him to go into college with me as a co-signer for his 1st year's tuition. I am a mother of 7 who wants to preserve her credit for the possibility of my children needing help in the future. PLEASE HELP!!!!

midland states I owe 2,612.00.....will take a $500 pmt to stop acct frm going to atty....I tried to explain my financial situation has changed because my husband no longer wokrs and receives 1500 frm social security.....I' m getting about 1700 per month from my job..I tried to explain that I could pay $50 per month and a little extra when Iget it but they refused......My children are trying to help us out finanicially but they have their own expenses too...What can I DO?

[paulmergel]

send them a DV letter asap.send it certified mail return receipt.they are bluffing and lying about the attorney.get that letter out and watch them fade away.

i have an mcm account that was paid through them..but the oc has an ealier dafd than the mcm account..on myy tu cr oc is supposed to delete a full year before mcm..is this wrong? can they delet later than the oc legally????

what is a dv letter?

[Cool_Abyss]

DV= Debt Validation Letter

Duplicate post deleted. You don't need to bump every gosh darn thread - ND

if you write the 3 letters to MCM and then contact the Credit Bureas - can MCM put the bad account back on your credit report?

[NASCAR_Devil]

As long as it is noted "Disputed by Consumer"

MCM is trying to force me to pay an old debt that was signed off by bankruptcy way back in the 1980's. I do not remember when it was signed off and no longer have the paperwork. it was over 20 years ago!! This has effected my credit report. It's like extortion. What can I do??

was the debt discharged by bk 20 yrs ago?
i would send debt validation letter and await for their response. get your bk discharge papers and see if they were listed. if so, send em either foad letter or an intent to sue letter(collecting on debt in bk illegal) 20 yr old debt is definately outta state sol, never, never, ever agree to pay anything on this debt or it may restart your state sol..be careful..mcm is total bottom feeders...

My debt was discharged via bankruptcy 20 years ago. I don't know the date, don't have any records, don't even remember the name of the law firm that I used. It was one of the popular ones in the 80's. I don't know what state sol means. Is that statute of limitations?? I live in Calif. My husband and I cannot refinance to a lower interest rate on our mortgage because of this. How can the state allow this company to ruin peoples lives??

[NASCAR_Devil]

Dispute as obsolete with all reporting agencies. If they do not delete, file suit for FCRA violations.

I had FCNB - Spiegel account. FCNB the bank stopped doing business with Spiegel. I kept paying the account and then the rates jumped up. I ask how do the rates go up on a closed account? Not an account I closed, they closed. I stopped paying in 2002. At the same time there was credit insurance on this account. Why is it in collections? MCM continues to send letters to try and collect. How do we stop them. This took place 1999-2002, and they (MCM) are reporting that I open the account with them in 2007. Looking for any help