Midland

Have you checked your local county court dockets? You will need to find out whether they are filing against you currently or whether they already have the judgement. Have you been served? They have to get a judgement first before they can start to garnish you.

Hi!
Welcome to the forums!
Have you received summons from the court? Midland funding can garnish your paycheck only after securing a judgment order against you. Anyway, ask them to validate the debt. If you can prove in the court that you don't owe the debt or it has crossed the Statute Of Limitations period, then judge is unlikely to issue a wage garnishment order against you.

One of the ways will be to leave your job. In that case, court will not be garnish your wages. But, that is not at all advisable as you'll have no income at the end of the month. Filing bankruptcy can also help you avoid wage garnishment. However, bankruptcy hurts one's credit score. So, I feel that you should consider it as the last option.

You can obviously talk to the representative of the collection agency and negotiate an alternative repayment plan if you really owe the debt. Try to settle the debt out of court. You can also contact a lawyer and get legal help.

Listen to SoapLady! They have to serve your with papers, you have to appear in court and a judge has to award a judgment. If you've moved recently, that could be the cause of you not receiving the papers. A process server will usually go to your home and or place of employment.