Midland Credit Management Inc listed on my credit report

I was called Grarion Garth repsenting your company. he stated i owed 381.35 dollars to fingerhut. HE SAID I USED A FINGERHUT CREDIT CARD TO MAKE A PURCHASE. I nor my wife never owned afingerhut credit card.You must have me mixed up with someone else.Please check your records,and respond to me.I also never used the name D. Gibson to buy anything in my life. He didn't know what i suposley purchased,or when, or what the orignal bill was or the date it was purchased. I also need a copy of the agreement betweeen me and the company you say i owe. Why is this the first time i have been contacted if time supposley debt was made in 2002?

Gibson, this is debtconsolidationcare.com, it has no connection with Fingerhut. The page you are visiting is one of the forum pages of this site. You have to contact Fingerhut to discuss about your problem.

BTW, never disclose your personal information while speaking to anyone who you don't know. Collectors try to get your information while conversing with you.

I have an entry on my credit report from midland as well. I had a Verizon wireless internet access account several years ago and my access device (a PCMCIA card) broke. After several attempts to get it replaced resulted in several wasted hours, I took the short route and opened a new account and just let the other account go delinquint. The result was a 450-500 unpaid balance.

This got transferred to midland, and now I have 2 hits on my credit report. I make about 70k/yr and have zero debts, save about 40% of my income. Since I don't have any credit cards, my credit report information is extremely out of date - really old address information (like, 12 years old).

Should I even care about this? From the horror stories I keep seeing, even contacting these people to try to improve the score might be a big mistake, and I'm not sure I have a use for a higher score anyway.

i have midland credit managment on my credit report and have no idea what it means or who the debt is with

Danica, Call MCM at 800-282-2644 and inquire about the account reported in your credit file. They might be collecting for one of your creditor. Ask for the details and make payment arrangements with them. Sometimes, the companies do inaccurate reporting in the credit file. Make sure that the information given to you is free from any dispute. If they don't have legitimate details, they have to remove their entry from your credit file as per the FCRA laws.

appear on my credit report...i have had no dealings with midland credit managment nor pacific bell.
my credit information is reviewed frequently due to resent theft of veteran's personal information in
washington,d.c.
by accessing my credit report, my privacy was invaded.
correct your information so this want happen to me, again.

thank you.

Willard, you need to contact MCM at 800-282-2644 and correct their records. This website is not affiliated with them.

I just had MCM show up on my credit report a couple of months ago for an account opened with Fingerhut that said I owed over $5000. I never had a Fingerhut account. I disputed with all three credit reporting agencies, and they had since investigated and deleted. If you are sure it's not yours.... maybe it would work for you too as well??

I pulled my credit report today and there was a collections on there from Emerge Mastercard
with Midland Credit next to it. I tried to call the number the credit report had on it but they didn't know anything about it. They also told me they were not Midland credit but they handeled some of the cases. I asked them for the number and they didn't have the number to call them. I can't find the phone number does anyone know the number to call them or Emerge mastercard.

Call midland credit management at 800-282-2644 and inquire about your file. If they have your accurate account details, work out payment proposals with them. They will update your account with the bureaus after the account is paid off.

I received a summons from midland credit management for Emerge Credit card. This is the first I have ever heard from MCM and they are taking me to court for an amount of $5100. I called an attorney and he stated that I should call and make arrangements with MCM but do not give them any financial information. I called the attorney for Midland and they are very nasty. They refuse to let me make payments but yet would take a settlement of an amount of $4132. $2000 today and the the other $2100 in a few weeks to a month. Well I don't have the $2000 let alone the $4132. They of course wanted my job, my pay, etc. I told the person that my attorney did not want me to give out my finanical situation and they got made and stated they wouldn't take any payment or settlement. Does this mean I have to show up in court to get this settled? I dont' want my wages garnished. Any suggestions.

Thanks!

I received a summons from midland credit management for Emerge Credit card. This is the first I have ever heard from MCM and they are taking me to court for an amount of $5100. I called an attorney and he stated that I should call and make arrangements with MCM but do not give them any financial information. I called the attorney for Midland and they are very nasty. They refuse to let me make payments but yet would take a settlement of an amount of $4132. $2000 today and the the other $2100 in a few weeks to a month. Well I don't have the $2000 let alone the $4132. They of course wanted my job, my pay, etc. I told the person that my attorney did not want me to give out my finanical situation and they got made and stated they wouldn't take any payment or settlement. Does this mean I have to show up in court to get this settled? I dont' want my wages garnished. Any suggestions.

Thanks!

Before MCM takes the matter to the court, you must make sure if they are authorized for this collection. Send a debt validation letter to their mailing address and force them to give you more details about the account. If they are authorized for the collection, they will honor your request. The debt validation will prove how much you actually are required to pay. It will become clear if $4132 put by them is disputed or not. Send your letter through certified mail with return receipt requested.

Well, unfortunately, they have a court date set already. I went ahead a obtained an attorney to see if we can settle the matter out of court. There is a notorized statement from midland credit management that states they have the right to the claim. Thanks for your help!

Trying to clear accounts on my credit report there is one unknown account # 851529xxxx $153.00 since 12/1/2005.

Cynthia, do you see the name of the company besides this account in your credit report? Tell us that name. Perhaps, it might be midland credit management. If you are looking for them, the number is 800-282-2644. Call them and inquire about the account.

I filed bankruptcy back in 1998 and shortly thereafter received a credit card. In an attempt to ameliorate my credit rating, I took advantage of this credit card offer. A couple of months after accepting the card, I filed complaints with the company about the charges they were placing on the card (without my knowledge). It became quite ugly and I stopped payment on the card.

Seven years later, I purchased a vehicle with a ridiculous interest rate. I knew that I had the bankruptcy and thought that was why I had a high interest rate on this car loan. I pulled my credit history and MCM had pulled this zombie debt and reported three times on my credit history: as a delinquent cc, as a medical collection account, and as a collection account.

Since then I've been working with a company that is disputing all of the negative charges on my credit report. Now, MCM is calling me virtually every day demanding payment. The company working on my credit has already demanded 'debt validation' and MCM has not validated.

Can I send them a 'cease and desist' letter? Or should I get an attorney to fight this? I do know that debts have a seven year time limit but MCM posted the three fraudulent claims as new (2005). What should I do?

As per the FCRA laws, the seven years reporting period begins from the date of first delinquency. The companies are not allowed to re-age the accounts by changing the dates, making it look recent. This account with MCM needs to be disputed with the CRA for getting the actual facts. Moreover, you have stopped payment somewhere in the year 1998/99, so it well past the SOL period. From the date of first delinquency, the account should be reported in your credit file. After that, it should be automatically removed from your file unless you made another payment after that period. Dispute with the CRA and get your file updated with correct information. Send your letter through certified mail and keep a copy documented in your file

Is anyone filing a lawsuit against MCM for fraudulently 're-aging' zombie debts?

I have been hounded by this company for a debt of $359.51. I couldn't get hardy any details. I did inform them about 3 years ago we had a lot medical problems going on and we settled with a few credit cards company and agreed to pay off's. The only one I can thing of was Providian. They agreed a pay off of $1500.00. Couple months after that I did receive a statement from them showing a balance of $283. When I called them both times they explained to me it would disapear. Never ever received another bill until about 3 years later from Midland. I don't feel I should have to pay them, since there was an agreement between me and Providian. I'm on Social Security and have some medical problems going on with myself. They do not listen to you when you explain. I told them I paid that bill in good faith to Providian. How can they come back and do this to me.
I told them that was a poor way of doing business. We also never heard from the other payoffs and nothing has hit my credit record. Please reply, I'm at my wits end with these people.

Carole

Did you dispute these charges with the company in writing? You should send some letters explaining the facts and they must check their records. I guess, these charges can be waived off if you are able to do a sound negotiation. You can also take the help of a counselor in this matter. Many people dealing with MCM are coming up with the same problems. You need to get this matter sorted out and get the 'PIF' in writing from them.

I have been receiving settlement offers and phone calls from various collection agencies associated with midland credit management, Inc. regarding the debt of someone I never heard of but whom they have supposedly living at my address and at my phone number! I have continously asked them via phone calls not to contact me any more and they continue to do it. How can I resolve this issue?

I owe Fingerhut and wonder what kind of settlement they would accept.

Hello.... uuummm... I have a question. See.. I am not normally a member of this forum. I just found it online while trying to look for perhaps some webite informaton concerning midland credit management inc, and stumbled upon this website.... so maybe you can help me. If not I am sorry if I have wasted your time. I need to contact mcm, but I am currently in Oaxaca Mexico for the next 4 months. It seems MCM is collecting a debt that is unfamiliar to me... if not all ready taken care of 2 years ago. But if not, I would like to pay the charges, yet I cannot seem to find a website so that maybe I can e-mail them for the time being. Can any of you help???

midland credit management can be reached at 800-282-2644. Do you have any information about the debt for which they are collecting? They have to send you something in writing before you pay them your money. Review the account carefully. Know the SOL of your state and find out whether the account is still under legal collection timeframe.

thanks I will have to look into it...but it is a bit difficult... again I am in Oaxaca Mexico. It has been 2 years since I have had any bills. And I did have to file bankrupcy... so I believe that case was filed... but I am trying to sort all that because if it isnt, I do want to pay the dept now. Doing 1-800 numbers in mexico is a bit easier said than done. I think they still charg alot. But this isnt one of those things I can let go. Do you know if there is any e-mail that I can reach them at... or only a number?
Thanks alot!!! I mean that! You are a big help!

midland credit management, Inc.
8875 Aero Dr. Ste 200
San Diego, California 92123-2255
Phone: (858) 309-6970
Fax: (858) 309-6977
Web Address: mcmcg.com

I have a judgment that shows up on my credit report from the queens court in new york city but I don't know what it is about, can you tell me

the judgment names midland credit as the plaintiff

From a closing in 2002, the borrower of one of our files was to pay midland credit management off per their lender who had this on the borrowers credit report. Please send me your ground address so I can send a letter pertaining to this. Thank you for your time.

Kelly, see a few posts above. Address of MCM is put in my previous post.

how do i pay you off

Alana, I think your file is with midland credit management. Please call them at 800-282-2644 and work out your payment arrangements.

MRC/Midland/Kansas Midland/whatever apparently bought out an old debt of mine that I couldn't pay due to illness/unemployment. I have never received ANYTHING in writing from them stating that they bought it or what the original debt is, etc. They filed against me in a local civil court. I never received a summons, which supposedly was mailed via regular mail. I responded in writing to their attorney and the court. I asked for validation of the debt, but I haven't received anything. The case now has a status of CLOSED according to the county clerk's website, but none of the parties involved have responded to my request for information in writing about the suit. I'm not sure what the process is from here. I haven't received anything from the court since the case was closed (3 days ago). I have a diabled child, and I can't afford to have them freeze my bank accounts or anything like that. What should I do?

Sorry... I have a disabled child, not a diabled one. (can you tell it's been a long day?)

A few questions for this forum:

1. What is MCM an does they go by other names?

2. Should a person respond their letter when there is an error on the letter, such as, surname,amounts, or a non-existence accounts?

3. By responding to them does this reinstate the the SOL on the non-debt that a person has not incurred, or has incurred and the SOL is about to expire. Once SOL expire the person(s) cannot legally be made to pay off an old debt, or be sued for the debt. A peroson(s) just have placed on their credit report debit unpaid and have the old debt wipe off in 7 years.

4. Does this company conduct fishing on old debts on person(s) with similiar name to restate the SOL to sue a person(s) at a later date.

5. By sumbit a DV to this company is admission to debt that is not the person's debt.

6. Is it not the burden of proof on the company to verify the person.

7. How does this company and companies like them conduct their fishing programs.(fishing program- is when a company(ies) wants find any person to connect to a debt, or any means to bring to account by using any similiar name(s) to connect)

8. Is this forum goal to work and assist person(s) whom seek information to stop companies like MCM from using scare tacic by scamming them into accepting debt that is not their, or when their SOL on a debt is expiring

Please answer these questions. Have several individuals whom have contacted us on this subjects about this company and others.

1) midland credit management

2) When there is an error in the letter, it should be immediately disputed.

3) Placing a dispute does not restart the SOL period. It is done only when the DOLA is changed or a commitment to pay the debt is made.

4) Clerical mistakes can happen with anyone. Some do that intentionally and some do it by mistake.

5) debt validation letter gives you the confirmed info about the debt. If this is one's debt, there must be a proof of it.

6) Yes

7) Verifying the employment. Credit checks are also done periodically.

8 ) The forum will give you individual opinions that are right. You will become educated and know how to deal with shady companies that are violating the federal and state laws. You have the rights to file class action lawsuits against the one breaking the laws and get compensated.

Please explain in detail the DOLA and it function as it relates to the SOL for the visitor to this forum. Please anwser questions to what they are asking. Those anwser are very vague and does explain anything.

However,is it true that MCM is a junk debt buyer, and companies like them have been the subject of recent FTC legal actions and penalties for illegal/abusive collection practices.

Where these companies such as MCM attemp to reage an account by forcing a person(s) into a settlement on a time barred, or expired SOL accounts, and to be able to report the debt delinquent to the FCRA/FACTA within 90-days of the settlement from the actual date that the debt became delinquent to bring a law suit against a person(s). It is the burden of the junk debt buyer to proof to verify the person(s) to be able charged the individual with the debt, and not the debt per say.

The fact is that the old debt has are ready been charged off by the original creditor(s), and sold to a junk debt buyer(s) to engage in illegal practice of debt collection by threaten a person(s) by selling their information and violate their privacy, or by offering an settlement to reage the account.

Moreover, such companies purchase debts to reage the debt that are outside the SOL for lawsuit against a person(s)and to place debt as new on a person's credit report as revolving account, which is illegal.

The anwsers obtained here were very vague, really does not address the questions. For example, does MCM go by other names. The is yes they do. MCM is the parent company of Encore Capital Group.

By responding to such companies with a DV is an admission of debt that is not yours,or to a old debt SOL is about to expire on the debt, which means that a person(s)will have the legal right not to repay the debt.

These companies like to misreporting the legal status on an open date charged off debt that was actually discharged, and also misreporting the open date and date of last activity on an account. These are the favorite illegal tactic these company like to use.

The only corrspondence one should send is a false claim to debt letter due to errors base on illegally to make a revolving account to an expired SOL on debt along with a warning of any further contact will be followed by legal action and a report to the FTC.

Send with no signature on any correspondence to these companies, the certified form (must be all typed no hand written on any documents), and the uses of a P.O. Box that is not registered to said person(s), and no email addresses to be used in any reply to said companies.

If a person feels necessay to send a DV, request the junk debt buyer scammer, you demand everything in writing, demand proof that they own it or have the right to collect it, and along with proof they are licensed to in your state they are operating in as well as the state you in live, and be very careful when you do. Remember, it their goal to obtain information on the individual. KNOW YOUR RIGHTS.

Then clearly dispute the debt, and demand a full itemized of charges and an account history. Remember, never speak to anyone who is a represintive of these companies. Its a waste on time.

Moreover, the DV only give a person(s) a comfirmation of the debt to the junk debt buyer,and does nothing to say that the debt is the person(s)or not. It is a tactic to be used to verify an address of the person, and to otbain other information on that person(s) to be used against said person(s).

As far as filing a class action lawsuit against said junk debt buyer. A person(s) will have to do a bit of research on these companies legal status to collect debt to file on them. Some companies has parent companies to report and file suit upon.

Junk debt buyer maybe operating through the parent company and may be immune from the suit bought against them (these companies are very slick and not to be trusted), and a person(s) can only file on the company their parent company, or other companies they may be using.

Here is the list of the top companies who are junk debt buyer, and some of these companies may be owned in part by others:

*Asset Acceptance(AAC)
*Sherman Acquisitions/Sherman Financial Group/Alegis
NCO Group
*Asia Funding
*Encore Capital Group(parent of Midland Credit Mgmt)
*Allied National/Interstate Risk Management
Alternative (RMA)
*IRC & Associates
*Arrow Finanical Services (major interest acquired by
Sallie Mae 9/04)
*RJM Acquisitions
*CAMCO (Capital Acquisitions & Management Company)
*Excallbur
*Cavalry Portfolio Services
*Unifund Group
*Phoenix Asset Acceptance
*First Select Corporation (part of Providian)
*Collins Financial Services
*Oliphant Financial Corp.
*OSI Portfolio Services

As mention above, these companies has been the subject of recent FTC legal action and penalities for illegal/abusive collection practices

Hopefully, this forum show individuals how to fight back and not to submit to these wolves, and not to appear as a wolf in sheep clothing in giving advice. In fact be that shepard and protect them with whom their are dealing with.

There many who are seeking help with their problem, but get the same information and nothing to fight back with other than send a DV.

It would be a shame to discover that those whom are given advice are agents of these companies in spike of stating that they are not apart.

Remember this:

My people are vitims for lack of knowledge and fool me once, shame on you, fool me twice shame on me.

I recently recieved a phone call from someone from this company, they indicated a past debt with visa which I was not aware of, i asked them to contact me in writing which they did, but it did not indicate any information or details on this debt. I have been recieving phone call on my private number from these folks and would like to address this appropriately. The letter above looks like the best first step. Please provide your thought. Thank you!

Mk14,

Stay off the phone. They are setting you up. Communicate only cerified mail and keep copies of everything you send, and they send you.

Remember, you are dealing with a junk debt buyer, and they are tring to reage your old account because the sol is about to expire. Where you are legally not bound to the debt, they will offer you a settlement to make the a revolving account , so that, they can sue you, which is illegal.

If you accept the settlement you will get screw'd. These junk debt buyer and their lawyers don't have any power to do anything to you unless you make an agreement with them. The ftc has sole jurisdriction and the bar association is over the lawyers.

Stay off the phone,certified mail only and check your credit report myfico.com, or freecreditreport.com

Stop scumbag junk debt buyer from scamming!!!

MCM is suing me for a debt owed to Circuit City. It was filed 10/03/2006. I believe the SOL has expired, so I just want to confirm.

In NM, the SOL is 4 years. My activity with Circuit City is:

Last purchase: 08/05/2002
Last payment posted: 08/20/2002
1st unpaid bill: dated 08/22/2002, due 09/16/2002
1st bill without a payment posted on it: 09/22/2002
"more than 30 days past due": 10/22/2002
"in legal default": 11/22/2002

I have never spoken w/ MCM regarding this account. By my understanding, the SOL started with my last payment, 08/20/2002, which means the suit was filed 1 month and 13 days past the deadline. Do you agree? Is it possible that the Judge will use another date, or the date MCM bought the account?

jojidu, read Marcia's post in the link below. It will clear all your queries on SOL.

http://forums.debtcc.com/pub/about15637.html

No legal actions are possible after the SOL is expired. I just came to know that payment doesn't renew the SOL especially after the contract is breached.

You can bet I will follow up with this appropriately. These people are real snakes!
I appreciate your strong encouragement, I really needed the heavy nudge!!

Yes, thats right you may actually make money off of these SCUMBAG JUNK DEBT BUYER

Follow these proceedure:

Remember these SCUMBAGS and their DIRTBAGS have not power to do anything to you as along as you do not accept their agreement, and The FTC has sole jurisdiction over debt collection, and the BAR ASSOCIATION over lawyers.

1. "STAY OFF THE PHONE"

2. Communicate only in writing and by certified mail, request a return reciept,put the certified number on the letter itself, and make copies for your records

3. Respond to the court and the "attorney" by the same means as line item #2

4. Clearly dispute the debt in a letter to the court and the attorney. Clearly state that you never entered into any contract with the SCUMBAG JUNK DEBT BUYER, and that, there were no attemps prior to filing and therefore you feel the lawsuit is frivolous and should be dismissed.

5. Request a DISCOVERY on the case, and you would like to see what you allegely signed to create the debt with the SCUMBAG, as well as an account history and an itemization of said charges.

6. Now, file a bar association complaint on the DIRTBAG ATTORNEY for unethical activity. Use your imagination. The worst you make the attorney's the better chance they will dismiss.

7. File a illegal/abusive collection practice class action law suit against the SCUMBAG JUNK DEBT BUYER with the FTC for trying to reage an expired SOL to make an acount a revolving account which illegal, and sue them for mental stress and harassment.

Please note this SCUMBAG JUNK DEBT BUYERS have been subject of recent FTC legal actions and penalties for illegal/abusive collection activties.

Remember, these "SCUMBAG JUNK DEBT BUYERS" and "THEIR DIRTBAG ATTORNEYS" file lawsuits only in the hopes of getting a default judgements against you to sue by getting you to accept an agreement when first contact you.

"STOP JUNK DEBT BUYER AND THEIR DIRTBAG ATTORNEYS FROM SCAMMING AND RIPPING YOU OFF"

Hi,

My wife recently noticed a negative mark on her credit report from Midland Credit Mgmt. They also sent her a strange "settlement opportunity". The debt is an old account with MCI that MCI dropped years ago (somewhere between 6-8 years ago) because it was a case of identity theft. Somehow, this MCM has ended up with it.

After reading this forum, we sent them a request for debt validation to their address on her credit report. We used certified mail with a return receipt:

Midland Credit Mgmt
5775 Roscoe Ct
San Diego, CA 92123-1356

Of course, today the letter was returned with this message from USPS:

"NOT DELIVERABLE AS ADDRESSED"
"UNABLE TO FORWARD"

Now what? Is this a bogus address? On the "settlement opportunity" there is an address for a PO Box in San Diego, CA, and an address in Los Angeles, CA. Should we resend the letter?

Is it legal to post to her credit report with the wrong address?

This debt is almost certainly bogus, and probably past the SOL (if not, there are only a few months to go). Any advice on the next step? I'll be saving the unopened certified letter as proof that we tried to contact them at that address.

I knew that was the right address to contact MCM. It only makes me think that they don't want to accept your certified letter. Clay has a very sound post on this issue. Read this

Quote:

I received your letter of October 27, 2006. For what
is this debt? Please explain in detail. Thank you.
I cannot read the message you sent. It appears to be
a fraud. I need a thorough explaination. Is this a
scam mail? Need I refer this to the FBI?

Irene, are you thinking this website belongs to MCM? No..

midland credit management : 800-282-2644. Irene, Call them to fix the problem. Midland should validate the debt account in writing. This is your federal right before you pay anything.

My son moved back to NY from California 4 years ago when the tech boom went bust. Unbenownst to him, there was a left over balance on a Pacific Bell phone bill. They were apparently billing him at his old address and it was never forwarded to NY. I think Midland must have purchased the debt at some point, but also billed the wrong address. At some point, they must have eventually figured out how to contact himj, and of course, as soon as they inforjed him of the debt, he paid it immediately.I think it was about $250. NOw, my son wa applying for a loan, and this turned up as quite a negative on his credit report. b They have it listed as over 120 days late, and as a collection account. This is really unfair, because had he ever known of the Pac Bell bill, he would have immediateoy paid it. He can prove that he was no longer at that address when they were billing him. HOw can he go about rectifying this on hi credit report? It has really lowered his score.

The best, safest way to reestablish credit is a secured loan from your local bank with a 1-2 year term. It will help elevate your credit score.