is the midland credit management collection agency

[Jessi]

Midland Credit Management Inc is a collection agency
Their # is 888-403-6206
5775 roscoe ct
san diego, CA 92123 is the addy I have for them.
For more information look here.

[david]

Midland Credit Management can be reached at 800-282-2644. This is the forum of debt consolidation Care and one of the threads here is discussing about MCM. You can also post your comments and views here and interact with us.

[imkimssister]

I have an account with midland. Weird, the account was originally a fingerhut account. Then midland took it and hired Phillips and Cohen to collect it. I posted about this a while back--a collection agency collecting for a collection agency. weird but I have two accounts that are doing this. The other was a MBNA account and it went into collections to Hilco receivables, and now Phillips and Cohen are collecting on it as well.

I have had calls from MCM, who has acted like they were KGB using hard tactics. A real joke to someone who has lost everything and been to jail. I tried to contact them, their address has changed in the past weeks. They want me to disclose more info than I prefer to, just to tell me what they want. I have found many, many complaints regarding Midland Credit Management online. The caller, obviously from INDIA uses names like Tom Jones, or Bill Smith... what a joke. I usually invite them over for some beef and tell them to call anytime. Fools.

[stanley]

Eric,

Have you requested for debt validation? collection agencies should provide debt validation prior to starting collection efforts. Send them a letter via CMRRR and also add one paragraph stating all communications should be through correspondence only.

i had an account with ugly duckling auto sales...ended up fillink a bk .the car was discharged.u.d. turned into drive time,whome sold it to mcm.they wont give up even thow theres a bk.

[stanley]

Was the account included in bankruptcy? If yes, they cannot collect it any more. You should consult your bankruptcy attorney about this.

Midland is such a rip-off. I too had an account with Ugly Duckling, and an ugly duck is exactly what I got. I ended up giving it back to Ugly Duckling, who was bought out by Drive Time. Originally, it was listed as a charge-off and they never persued payment of any king - mainly because my complaint about the vehicle was legit. Now, Midland is holding the receivable on that account. They hound me like a dog and they won't accept any certified mail. Makes you wonder...HMMM

[good.nelly]

yup validation of debt is very important....most of the CAs are bullies who try each and every trick of the book to harass innocent people. And the only thing that can bring these crooks on the right track is debt validation. Ohh yes, dont forget to send the DV via certified mail with a RRR. Once you send a DV to them you can be sure that they wont contact you. Even if they contact you they wont give you a proper validation of the debt. In such circumstances it is very important to know the laws and to fight back.

What can I do... Midland Credit Managment sent a collection ("Settlement Opportunity") letter to me, but to a relative's address. The relative opened the letter (not expecting any mail for me - just blindly opened the envelope without looking at the name, innocent mistake). I do not live at that address! Now I'm thoroughly embarrassed because they have intimate knowledge of my financial difficulties!

Ok guys, I'm having problems with MCM and read all your postings about what to do. But what is a "DV", "RRR" and what do you mean by sending a leter via CMRRR?

The way to stop Midland Credit Management is to send them a regular letter first. Request that they validate the receipt. Wait about thirty days and send them another letter again requesting the validation of the debt. They will never answer. The third letter send it via CMRRR (that is a Certified Mail Return Receipt Requested for those that wanted to know). This time state to them that you have requested in writing on two separate occasions that they validate the debt. Again..wait about 30 days. Make sure that all letters are dated the day you send them in the mail and keep copies of them. Once you get the Return Receipt back from the post office and have waited the last 30 days. (90 days from start) now it is time to talk to the credit bureaus. Send a letter via CMRRR to the credit bureau that shows a derogatory comment and request that the bureau remove the debt from your account that you have contacted Midland Credit Management on three separate occasions with no response. Enclose all copies of all three letters and also a copy of the Return Receipt. Within 30 days you should have a response back from the credit bureau that you notified that the debt has been removed from your account. Midland will never answer any of your letters. Do not call them, only write to them.

I forgot to give the address to Midland.

Midland Credit Management
8875 Aero Dr., Ste. 200
San Diego, CA 92123

I SUGGEST THAT WE ALL GET THEM OFF OUR REPORTS ASAP. SEEMS TO ME THAT THEY ARE RIPOFFS AND JIVERS. :x :wink:

Ok. i was trying to get an apartmetn and these people showed up on my credit report and i have no idea who midland credit is? i am trying to figure this out. On my credit report, it shows that i owe them $340 or something. What do i do? i' don't even know where this company is from?