Letter from MCM - Is it valid? Should I bother?

If the debt was included in bankruptcy,it is illegal to attempt collection. Send them a full cease & desist letter with documentation showing debt was discharged in a bankruptcy judgment.Send it certified return receipt mail.

Perfect advice! Can't add to that!

There is some valuable info about midland credit management here. This is why Bulldaogs advice is so important to do right away! Go to this link!
http://www.budhibbs.com/debtcollectorpages/midland_credit_management.htm

Thank you for the info. I am going to pull a credit report and see if anything shows there.

It is amazing that a collector would actually try to collect a debt that is 18 years old and way past the statute of limitaions. It will know longer be on your credit report or hers.

I pulled a report from all three major firms and found it listed on one (Transunion) as an Account Review Inquiry for Collections.
The only Citibank listing in her report shows a gas card that was paid on-time always and then closed by request of cardholder with a 0 balance. I guess I will have to figure out the best course of action to get them to go away.

The advice that you got from cajunbulldog is sound. Also send a debt validation letter to them. Do not fool around with these people. They are bad news and will force you into arbitration if you don't force them to validate within thirty day of contact. This debt is past the statute of limitations as well as being charged off.