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Midland Credit Management - Has anyone been ripped off?

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is the midland credit management collection agency

good for you my not take the abuse.

Sub: #81 posted on Fri, 04/10/2009 - 18:05

paulmergel paulmergel
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(Posts: 15514 | Credits: )

I am in the process of cleaning up my husband's credit report & MCM has several accounts listed on his report and they are also under different companies for the same OC accts. How can I have these deleted from his bureaus? Everyone says dispute with bureaus 1st, then once verified accurate (due to eOscar always gets verified), ask CA for validity of debt, but what do I do once they can't validate? Also if I write CA's and tell them I only want to deal with OC's how does that affect my chances of deletion for debts that have passed the SOL. My credit is affected by his debt & I had good credit(760+) until we moved to a community state where his debt became my debt. After being out of work for 5 months I need to restructure our budget for current bills and I feel bad because with his debt from 7-9 years ago still being bought by various CA's I have no choice but to get it written off. Being a bookkeeper I have records from the OC's when they charged off the debt but now out of the woodwork the CA's are coming at him left & right and the amounts have quadrupled on some accts. from the original charged off balance. How can they do this? I know I am inundating you with a barrade of questions but my son graduates from high school next year & I want him to go into college with me as a co-signer for his 1st year's tuition. I am a mother of 7 who wants to preserve her credit for the possibility of my children needing help in the future. PLEASE HELP!!!!

Sub: #82 posted on Fri, 04/10/2009 - 19:48

cjohnson67 cjohnson67

(Posts: 21 | Credits: )

midland states I owe 2,612.00.....will take a $500 pmt to stop acct frm going to atty....I tried to explain my financial situation has changed because my husband no longer wokrs and receives 1500 frm social security.....I' m getting about 1700 per month from my job..I tried to explain that I could pay $50 per month and a little extra when Iget it but they refused......My children are trying to help us out finanicially but they have their own expenses too...What can I DO?

Sub: #83 posted on Thu, 04/30/2009 - 14:30


send them a DV letter asap.send it certified mail return receipt.they are bluffing and lying about the attorney.get that letter out and watch them fade away.

Sub: #84 posted on Thu, 04/30/2009 - 14:42

paulmergel paulmergel
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(Posts: 15514 | Credits: )

i have an mcm account that was paid through them..but the oc has an ealier dafd than the mcm account..on myy tu cr oc is supposed to delete a full year before this wrong? can they delet later than the oc legally????

Sub: #85 posted on Fri, 05/01/2009 - 06:43


what is a dv letter?

Sub: #86 posted on Fri, 05/01/2009 - 07:44


DV= Debt Validation Letter

Sub: #87 posted on Fri, 05/01/2009 - 09:17

Cool_Abyss Cool_Abyss
(Posts: 2936 | Credits: )

Duplicate post deleted. You don't need to bump every gosh darn thread - ND

Sub: #88 posted on Thu, 05/07/2009 - 08:38


if you write the 3 letters to MCM and then contact the Credit Bureas - can MCM put the bad account back on your credit report?

Sub: #89 posted on Mon, 05/11/2009 - 11:57


As long as it is noted "Disputed by Consumer"

Sub: #90 posted on Mon, 05/11/2009 - 19:54

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