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Midland Credit Management - Has anyone been ripped off?

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is the midland credit management collection agency




My girlfriend got one of these letters from Midland last week. The debt is from a credit card that was discharged in a bankruptcy back in 1986. When she checks her credit report Midland does not show up as a creditor owed, but Midland did make 3 inquires in the past few months.

I feel this is a total scam, but am afraid if we ignore it they will take us to court.

Sub: #61 posted on Mon, 01/26/2009 - 09:32

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if it was discharged back in 1986 and you have a record of that then that's all you would need if it does go to court.

Sub: #62 posted on Mon, 01/26/2009 - 10:00

allogagan allogagan

(Posts: 30 | Credits: )

i like to sue midland.how do i find the procedure to file in court ?

Sub: #63 posted on Tue, 01/27/2009 - 21:10

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Midland credit management sent me a "settlement Opportunity" on debt over 20 years old. I know I need to send them a validation letter and will do so. My question is, should I send back their "opt out response form" or is that a scam as well? I don't want to give them my email address.

Sub: #64 posted on Wed, 01/28/2009 - 08:22

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I would send them a FOAD letter on a 20 year old debt.

Sub: #65 posted on Wed, 01/28/2009 - 08:22

NASCAR_Devil NASCAR_Devil
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(Posts: 4671 | Credits: )

Thanks NASCAR Devil. But what is an FOAD? I live in Georgia and would like to send a complaint to the state as well.

Sub: #66 posted on Wed, 01/28/2009 - 08:43

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F@#K Off and Die. Do not ever contact you again. You can file complaints with the AG's in your state and theirs but doesn't sound like they are really doing anything illegal with just a letter. Remember, just because a debt is beyond SOL and credit reporting periods does not mean it is no longer collectible.

Sub: #67 posted on Wed, 01/28/2009 - 08:48

NASCAR_Devil NASCAR_Devil
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(Posts: 4671 | Credits: )

Thanks again. I have my letter ready to go but one more question. I lived in Florida at the time this debt was incurred (my ex-husband was ordered to pay this in our 1988 divorce and didn't). I moved to Georgia in 1988 and have lived here ever since. I realize that the statute of limitations has run out in every state of the union but which state applies to me now? I would just like to reference the correct statute.

Sub: #68 posted on Wed, 01/28/2009 - 11:10

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The state in which you currently reside would be applicable. Was this a joint account?

Sub: #69 posted on Wed, 01/28/2009 - 11:20

NASCAR_Devil NASCAR_Devil
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(Posts: 4671 | Credits: )

yes it was and I realize the court order did not stop the creditors for coming after me. Believe me, I paid what I could of the debts that were his responsibility as well as the ones that were assigned to me back then. Do you think I should still send Midland the "Opt out" form?

Sub: #70 posted on Wed, 01/28/2009 - 11:24

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