I received a letter from an attorney representing

Date: Sun, 04/03/2011 - 09:26

Submitted by Jackie Hubbard
on Sun, 04/03/2011 - 09:26

Posts: Credits: [Donate]

Total Replies: 1

I received a letter from an attorney representing Midland Funding, LLC. I sent a certified letter asking 44 questions on the alleged debt with a 30 day demand for the return of the information. At exactly 30 days I received a letter stating who the original debtor was and nothing else. They did not answer my 44 questions. I do not recall the alledged debt with the original creditor. I should my next action be?

Out of curiosity..what were the 44 questions??? Really all you

Out of curiosity..what were the 44 questions??? Really all you need are three key pieces of information:

Contract/agreement
final statement
something that proves their right to collect

Also, other than Texas, there is no time frame a debt collector has to validate the debt, only that they have to cease collection efforts until they validate the debt.

What you need to do is look on your credit reports to see if they have this account listed, and how it is listing. Then you need to send a new letter, explaining that you want validation of the debt and their right to collect it. Send a courtesy copy to the lawyer but send the letter to Midland since it seems they are the holders of the debt in question. You will also want to dispute if the account is listed incorrectly as you want to use every statute at your disposal to combat these guys.

lrhall41

Submitted by goldenbast on Sun, 04/03/2011 - 12:40

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