http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Issue-with-Midland-Collections/m-p/550868#M77665 About a year to 18 months.  Not sure exactly.  Credit report is at home. Thu, 06 Aug 2009 23:05:38 GMT mishabear 2009-08-06T23:05:38Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Issue-with-Midland-Collections/m-p/550862#M77662 <p>I have an old lingering debt I would like to deal with but I had problems with my first attempt.  I had an initial debt of under $4000 that went to collections.  In 2002, I lost my job, wife, home, etc...hard times. About 18 month ago, they found me and told me I owe about $11K (three times the original debt?). I made a deal with them and paid $4000 and was to pay another $1800 and call it good.  When I went to pay the $1800, they said I owed TWO more payments. I contested it but they insisted. I tried to talk to higher ups and got nowhere. I asked for a recording of our deal and got nothing. I said &quot;screw it&quot; and planned to just let it roll off, which it will shortly.  </p><p> </p><p>Now I am trying to buy a house and it's coming back to haunt me. They say I owe $7200. I don't contest that I owe them something but 3 times the original debt seems awfully high for such a short period. And it irks me that they would reneg on the deal we made. Can I contest it if I paid something on it already? What can I do to get this unscrupulous anchor off my neck?</p><p> </p><p>Thanks.</p><p> </p> Thu, 06 Aug 2009 22:45:57 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Issue-with-Midland-Collections/m-p/550862#M77662 mishabear 2009-08-06T22:45:57Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Issue-with-Midland-Collections/m-p/550866#M77663 You said it was due to fall off &quot;shortly&quot;...how shortly? Thu, 06 Aug 2009 23:03:55 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Issue-with-Midland-Collections/m-p/550866#M77663 BungalowMo 2009-08-06T23:03:55Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Issue-with-Midland-Collections/m-p/550868#M77665 About a year to 18 months.  Not sure exactly.  Credit report is at home. Thu, 06 Aug 2009 23:05:38 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Issue-with-Midland-Collections/m-p/550868#M77665 mishabear 2009-08-06T23:05:38Z