Midland Credit Management Inc affecting credit report: Help!!

Hello,
I have taking midland collection management inc to court won in my favor, with a judgement of DISCONTINUED!. But still your company harasses me. Whether it on my credit report or though the mail a year and three month later. I have sent your 2 of offices a certified letter. I have got one back (meaning the certified card) and I am waiting for the second one as well as your office to reply. Before I decide to sue your company for thinking you are above law.
Now, can you give me answer to this?

Hi Hannah,

You must have mistaken our forum with Midland CA. This forum is not at all related to Midland collection. It is a open platform where we discuss about the different ways to get out of debt.

Phoenix

I was given a few years ago, a letter I can send to Collection Companies indicating I only deal with the original creditors. I have used it before and sent it Certified with Return Receipt. I believe the letter was a Cease and Desist letter. A lawyer had given it to me once but lost it. Does any one know what I am talking about and know where to get it?

midland management is a subsidiary of encore capital group and you can get their address from there web site there are 3 addresses.

I've recently received a letter from midland credit management saying that I owe $220.31 from GE/Mervyns... however, I've never purchase anything from Mervyns nor do I have a GE Mervyns cards....................... Anyone can help how should I deal with this one?

You need to send them a debt validation letter. See the links to Sample Letters on th eright side of the page.

thanks

other than sending the debt validation letter to MCM, do I have to send it to other credit bureau (can you name them for me ???) in order to prevent any further harassement in the future???

thanks

YOu do not send DV's to TU, EX or EQ but you should go to
www.annualcreditreport.com and pull your credit reports. You can do it once per year for free.

My uncle's bank account is frozen because of a creditor turning something over to midland that my uncle does not even know what it could be, can the bank freeze the account. My uncle is a retired veteran receiving retirement, va and ssi. Also the bank told him they took the 4,000 some odd dollars out of his account can they do this and where did the money come from he only has 900.00?

Your uncle's bank account was most probably frozen as midland credit management may have filed a case against your uncle for any outstanding debt and won a judgment against him. In such a case your uncle must have received a notice regarding the freezing of account.



Source: - "http://www.mfy.org/facts_credit/FrozenBankAccount.pdf"

But wait...Here's another information of relevance...



Source: - "http://www.mfy.org/facts_credit/FrozenBankAccount.pdf"

Here's what your uncle can do: -

Source: - "http://www.mfy.org/facts_credit/FrozenBankAccount.pdf"

Yeah, they're bottom feeders alright. I got a phone call from them about a year ago for a 31 year old debt to Zales Jewelers. I was absolutely floored....31 years people! And it was only for $234. In the divorce decree the ex was to have made all the payments on the credit that had been established since he admitted this was for a watch he had opened the charge account for and it was for himself. I just hung up the phone on the guy when he told me the date of the opening of the account and the date of the last activity. Now are these guys bottom feeders or what? I can't believe anyone would even work for a company that would make them try to call people and collect on a 31 year old debt. I mean heck...my son had not even been potty trained 31 years ago. I have a 15-year-old grandson now. BOTTOM FEEDERS DELUXE!!!! They didn't get a dime out of me and I saw on my credit report I just got today that they did a CHARGE OFF last month in the amt. of $234. I'm going to do everything in my power to get this removed and help put these people out of business. This is absolute harassment if you ask me.

If it has been 7.5 years or more since the account charged off then they have violated the FCRA. If they are reporting to all 3 CRA's = up to $7500 in damages ($2500 per violation x 3 reports). I would head straight down and file suit. You could probably get a NACA atty on contingency for that amount

www.naca.net

CEASE and DESIST COLLECTION EFFORTS

Cheatem Collections
123 Fagetaboutit Ave
Chicago, IL

17 April 2000

RE: Account 5145454156

Dear Sir or Madam:

I request that you CEASE and DESIST in your efforts to collect on the above referenced account (SEE letter attached). It is my personal policy not to deal with collection agencies and I will only deal with the original creditor of this account.

You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable Federal and State law.

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.

Cordially,

Your name here

The cease and desist letter has legal stature based upon the Fair Debt Collections Practices act Section 805. The Fair Debt Collection Practices Act applies to both the agency and to attorneys who collect two or more debts per year.

Cease and Desist Letter for debt collectors
The cease and desist letter has legal stature based upon the Fair Debt Collections Practices act Section 805. You can read it for yourself here. The Fair Debt Collection Practices Act applies to both the agency and to attorneys who collect two or more debts per year. This law does not apply to the original creditor. However many original creditors will honor your request to not be called.

Please note the following. When a collection agency receives a cease and desist letter they may move the account to legal status. This means that if they intend to sue you if they can't collect on the account the cease and desist letter will prompt them to bring suit immediately. So if there is an alternative way to stop being bothered by their calls, like using an answering machine, I'd suggest that you try it first. If there is no alternative then send the cease and desist letter.

Send the letter via certified mail with a return receipt request. Keep a copy of the letter for your files. It may also be a good idea to get a copy of your checks from your financial institution. The letter may take a couple of weeks to work its way through the collection agency's system before your number is taken out of their automated dialer`s. Even after they receive the letter they are allowed (under law) to contact you one time to notify you or their intent.