How To Remove Midland Credit Management (easy!)

[SHuck]

BY LAW Y7OU DO NOT HAVE TO ASSIST THEM AND ONCE THE ALLOTTED TIME IS EXPIRED IF THEY HAVE NOT SENT PROOF IT WILL HAVE TO BE REMOVED. IF IT HASNT I WOULD FORWARD THAT LETTER AND ANY OTHERS TO THE  CR.

[lks638]

I got the same letter... like they were telling me it was my responsibility to do their job for them.

I am trying to figure out how I can spin this to work in my favor.

[Cynthia1123]

bump

[buildafico]

I'm curious if Midland was outside the SOL on OPs reports. I just don't see them giving in like that lol sorry.

[Jas81]

Mcm has been sending me a letter for a couple years. They don't say who the debt is originally from. Just that I have to pay them. I always ignore it. No phone calls. But they aren't on my credit reports either. I have no idea what the debt could even be from. It is sent under my nickname, not my actual name. It's really weird.

I did have an issue with a collection agency trying to get money on a debt that wasn't even mine. It was on my credit report. I sent letters to the bureaus and they took it off right away so I definitely suggest doing that.

[AikoFico]

---

@jmco wrote:

I am in New Jersey and Midland bought several of my collection accounts and used a firm here in NJ to collect them all.  I have paid the firm on most but it seems like

Midland keeps buying my old debt because I just got a letter in the mail this week about 2 more (I only have about 5 more accounts left unpaid, everything else has been PIF or settled in the last 3 years).  Dealing with the law firm is easy and since they are familiar with my name they know I will eventually pay the debt.  Right now I am

on a payment plan of $50 and $75 a month until I get my tax return in March and then I will just settle with the law firm.  The debt is 1200 & 2300.  I joked with the law firm saying they are making lots of money from me....my contact just laughed.  At the end of the day the debt is mine, I won't fight it but I also can't pay it out right so the payment

plan works. I never wanted to deal with a law firm putting a judgement out there or taking my pay check.  Now I just wish Midland would delete all the paid accounts!!

UGH!!!

---

of course they keep buying your accounts.... you keep giving them money. You are their ideal customer. Midland is one of the easiest junk debt buyers to beat in court and i dont recommend giving thema dime for the acount they bought for pennies on the dollar, and dont even have clear title to.

[newmomnewme]

I think I may try to send the MCM information request letter to the CRAs with a personalized letter. Explaining that the account is already in dispute......I request that they be removed because they never validated ANY information. 

[guiness56]

A CA is not required to validate nor remove an account from your CR if they don't.  In all likelihood, the CRA will not care either.

[newmomnewme]

---

@guiness56 wrote:

A CA is not required to validate nor remove an account from your CR if they don't.  In all likelihood, the CRA will not care either.

---

Thanks guiness56....just took the wind out of my sails...LOL!!!!  

[guiness56]

Oops.  I am sorry