I received a summons in person yesterday 3/6/2011 from attorney's office, Farrell & Seldin, Centenniel, Colorado, saying I owe $1846.00 to a Midland Credit Management, Inc (claiming the original creditor is Chase). I have never received any documents saying I owed this money nor did I even have the opportunity to send a validation letter. If I had recieved any sort of notification from them, I certainly have enough knowledge and sense to have sent a validation letter to them immediately.