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Midland Credit Management - Has anyone been ripped off?

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is the midland credit management collection agency




to answer your last question.no buying a debt doesn't re-start the SOL.beware of MCM,as stated on posts before they are a complete bottomfeeder.get everything in writing before paying.what state are you in?the SOL might be near on this and they are trying to get money on it before it is past the SOL.just an FYI,while buying a debt doesn't re-start the SOL.making a payment on it does.

Sub: #41 posted on Tue, 01/20/2009 - 05:31

paulmergel paulmergel
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Easy way to find out is pull your credit reports. www.annualcreditreport.com< br />
What state are you in? There are 17 states where a payment does not re-start SOL unless the consumer acknowledges the debt and makes a written promise to pay.

Sub: #42 posted on Tue, 01/20/2009 - 06:03

NASCAR_Devil NASCAR_Devil
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17?wow!!!!!!!!!! it just seems 6-7 yrs for that kind of debt the SOL has to be close.it depends on the state the poster is in i guess.

Sub: #43 posted on Tue, 01/20/2009 - 06:11

paulmergel paulmergel
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I had a house fire about 3 years ago and it put me behind the 8 ball so to speak. These people have been calling my parents at their home office (they are self employed) 3 or four times a day looking for me. how do i get them to stop calling their house please?
thanks for the help!
david

Sub: #44 posted on Tue, 01/20/2009 - 06:27

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thank you for the response paulmergel and NASCAR_Devil, to my questions. To answer yours, I live in Minnesota and from what this website says the SOL for bills in MN is 6 years. My husband swears that he had that cell phone OVER 6 years ago. So that means the SOL is up and that they are trying to get free money right?

If that's the case what do I do now? Send them the CCRRR 3 times? Then inform the credit bureaus when (from what it sounds like) they dont respond or respond with letters asking ME to proove that I owe the debt? I already know to keep all correspondance with them through letters only- as it seems that once they get your phone number they'll harass teh crap outta you via phone.

Sub: #45 posted on Tue, 01/20/2009 - 08:58

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is it on your credit report?i would send DV and C&D letters to MCM asap.then dispute the entries if they are on your credit report.check your state laws in regards to recording calls.try not to talk to them until they validate.which should never.

Sub: #46 posted on Tue, 01/20/2009 - 13:06

paulmergel paulmergel
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Hello, its me again- So I talked to friends and family today, a friend told me that my husband is still going to have to pay the bill anyhow even if its past the SOL. She said that due to the fact its a valid debt they might be able to provide the DV. And that should have what on it exactly? The arbitors name (Verizon) and proof that this will take care of the old debt?

Also, when I talked to my mom she said that my husband was a minor when he got this phone (he couldnt have been more than 17 at the time) so does that factor in at all? She says to ignore it, but I still think the DV CMRRR is the best route. Any ideas?

Sub: #47 posted on Wed, 01/21/2009 - 10:12

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if a debt is past the SOL it is still owed,but the CA that bought it will have a hard time validating.i would wait before paying anything to a JDB.send that DV letter out.i almost guarantee they can't validate it.

Sub: #48 posted on Wed, 01/21/2009 - 10:16

paulmergel paulmergel
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thank you paulmergel, JDB? I havent seen that term used before, what does it mean?

And if they cant validate it, then what do I have my husband do? Then send the three letters then what? Since its past the SOL and you say he has to pay would the best course of action be to contact verizon and see who they sent the bill to for collections and pay that company?

Sub: #49 posted on Wed, 01/21/2009 - 10:30

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JDB is junk debt buyer.if it is past SOL.then if he wishes to pay make sure it will be marked PIF.that is what validation is for.you could pay this JDB then they could sell it again.i would wait to see if they can validate.(psst,they can't)then go from there.never said he has to pay,just said he still owes it.debts don't just disappear.if it is past the SOL.the it comes off your credit report and they can't really take action on it.unless a debt is validated and an agreement in writing is reached do not pay a JDB.

Sub: #50 posted on Wed, 01/21/2009 - 10:46

paulmergel paulmergel
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