Internet's first get-out-of-debt community - 122,000 members

Carrie21 · Posted: Thu Jul 05, 2007 1:23 pm Subject: Credit Report

I recently viewed my credit report and saw I have a huge balance w/ you. Problem is, I have no idea what it is for???? I'm pretty sure my mother ran up a credit card in my name and I want it fixed. So I'm interested in what I need to do next.

Posted: Thu Jul 05, 2007 5:20 pm Subject:

Carrie,we discuss debt on this board,but are not a collector.You would have to contact collector directly.

Terence

I have heard that I am to send divorce papers to Midland Credit Finance Co.,(which I need the address to)showing that X and I are divorce and the property is now her responsibility. I just don't want her deliquency or whatever to end up destroying my credit.

Posted: Wed Nov 14, 2007 5:52 am Subject:

Creditors could care less about a divorce decree.If your name is on contract or Tos as a responsible party,it is your debt and credit at risk.

alittleconfused · Posted: Fri Nov 23, 2007 7:30 am Subject: Midland

Does anyone have a contact number for this company

toni t · Posted: Sat Dec 29, 2007 10:21 pm Subject: midland fraud

I was contacted by midland to setttle an account that i had with aspire card. We settled on an amount which i made in payments and have paid the settlement amount in full. Now in todays mail i received a notice from another collection agency representing midland saying that my account has not been paid in full and that i owe a balance over $200.00. What the hell is with this midland company?

Posted: Sat Dec 29, 2007 11:04 pm Subject:

It sounds like they sold your account to another bottom-feeder without bothering to tell'em you'd paid it. Do you have any records to document the settlement agreement and your payments on it?

kek · Posted: Sun Jan 27, 2008 5:16 pm Subject: Credit report

I had gotten a credit report with your establishment listed on it, but do not have an account with you. How can I find out what this is about.

Posted: Mon Jan 28, 2008 6:20 am Subject:

Welcome to the forum Kek, This is Debt Consolidation Care's forum, we are in no way affiliated with Midland Credit Management. Here is contact information that I could find for them:

875 Aero Dr. Ste 200
San Diego, California 92123-2255
Phone: (858) 309-6970 - 800-825-8131 or 858 309-6970 858-560-2600
Fax: (858) 309-6977 800-306-4443

Phoenix
4302 E. Broadway Rd.
Phoenix, AZ 85040-8808
Phone: (602) 707-0211 Toll Free: (800) 265-8825

St. Cloud
16 McLeland Road
St. Cloud, MN 56303 Toll Free: 800-265-8825

chad121130 · Posted: Wed Mar 12, 2008 7:21 pm Subject: MIdland

i know i owe 153.00 to Midland for Cingular phone how do i go about paying them to get it off my credit?Just funny how they wait 5 years to do this.

Posted: Thu Mar 13, 2008 6:36 am Subject:

Well first you should make sure Midland is actually legally able to collect on that debt. You should send them a validation letter. Once they validate (if they do) you can set up some kind of settlement with them, but get it in writing! Also you will have to have the agreement specifically worded to remove the account upon payment, it is usually called a 'pay for delete' otherwise they will just update it to read as paid and it will still be on your credit report for up to the 7 year time frame it was running on.

TWILA · Posted: Fri Mar 28, 2008 6:05 pm Subject: MCM PAYMENT

I MADE A PAYMENT TO THEM ABOUT A MONTH AND HAVEN'T RECEIVED MY LETTER OF SATISFACTION WHEN I CALLED TO ASK WHERE IT IS THE WOMEN TOLD ME IT TAKES A MONTH TO PROCESS. COULD YOU TELL ME IF THIS TRUE. THANX.
MY EMAIL IS TCP16@NETZERO.COM

Posted: Sun Mar 30, 2008 5:44 am Subject:

i AM ALSO DEALING WITH mIDLAND ON AN OLD PROVIDIAN ACCOUNT. THESE PEOPLE RING THE PHONE OFF NONSTOP. PROVIDIAN LISTED MY ACCOUNT 30 DAYS LATE AS OF DEC. 2003. IT LOOKS LIKE AS SOON AS THE STATUTE WAS UP THEY SOLD IT TO MIDLAND. I CAN SEE FROM DIFFERENT THREADS THEY WILL PROBALY DRIVE ME CRAZY. i READ ON THE BUDD HIBBS WEB SITE THAT THIS COMPANY IS INCREASING IN SIZE. HE ACTUALLY LISTS THEM AS AN AGENCY TO AVOID.

chad121130 · Posted: Wed Apr 02, 2008 9:06 am Subject: Help

How can i write or find a validation letter on the net i live in alabama

Posted: Wed Apr 02, 2008 9:15 am Subject:

There is several letters on this sites "do it yourself" section and there is a DV letter listed there. I also write a credit repair blog and I have listed what letter I use, but it is mostly worded for Texas law, but if you are interested you can go take a look, a link is listed in my signature.

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