topic Re: Dealing with Midland/Transferred Debt in Rebuilding Your Credit

Dealing with Midland/Transferred Debt

methorian — Fri, 17 Jan 2014 16:32:16 GMT

Hey Guys - Hoping for some advice on how to handle/tackle a debt that's just been transferred/purchased by Midland. The original debt was a CC from Citi. At the moment I'm not sure when it went deliquent or much info there - I've gotta try and find some old credit reports or possibly some info I may have stashed. The only info I do know is this: Asset Acceptance filed a judgment agaisnt me in 2011, this is what my Experian report says (as of Jan-2014):

Type: Judgment
Date Filed: 10/2011
Case Number: ********
Court Number/Name:
Court Address: 4000 Chain Bridge Rd
Fairfax , VA 220304017
Plaintiff: ASSET ACCEPTANCE LLC
Defendant: *******
Amount: $939
Status:
Date Reported: N/A
Satisfied Date:
Verified Date:
Comments:

The debt only shows up on either Experian or Equifax as a judgement.

Back in April of 2013, I decided to try and start paying some debts so I joined a DMP through CareOne. They listed my balance with Asset Acceptance at around $1200. I made payments of $25/month per my DMP agreement (which they never officially "accepted" apparently. I was told this was okay though). My current balance should be about $950 or so.

First I'd like to get as much paperwork/info about this as possible. How should I go about getting this from Asset Acceptance and/or Midland (since it's now in Midlands hands)? I don't wanna say the wrong thing, or get myself in more trouble for mis-speaking/etc. Any help?

EDIT: I'd also like to point out that I may also attempt to vacate this judgement on grounds of mis-service (not sure of the correct words). I spoke with the clerk and she wasn't able to give much info, but did confirm the address they had for serving the warrant in debt was an apartment I hadn't lived in for 2-3 years. I was never aware of the warrant/judgement until I found it on my CR.

Re: Dealing with Midland/Transferred Debt

Anonymous — Fri, 17 Jan 2014 16:38:43 GMT

You could possibly get it vacated for improper service of notice. Id say you have a better than average chance. if you do they'll have to remove it from your CR until such time as it gets refiled IF the CA decides to do so.

Re: Dealing with Midland/Transferred Debt

methorian — Fri, 17 Jan 2014 16:58:03 GMT

Yea, I'm hoping I can get it vacated! I want to get it satisfied first though. Vacating will be a pain since I now live in Southern VA, so I'll have to make a trip back to NoVA to get all the details.

Re: Dealing with Midland/Transferred Debt

MysticcalFX — Fri, 17 Jan 2014 17:28:01 GMT

Goodluck. I know Midland is a pain as far as collection agencies go. Not willing to budge for anything.

Re: Dealing with Midland/Transferred Debt

buildafico — Sat, 18 Jan 2014 19:58:25 GMT

If it's midland and you go for a vacate be prepared to be served again. They're not the easiest to work with and they'll try pretty hard to not be accommodating in any way.

Re: Dealing with Midland/Transferred Debt

RobertEG — Sat, 18 Jan 2014 21:16:17 GMT

Check your state law regarding period for asserting inaccuracy in the judgment, such as lack of proper service.

There may be a period after becoming aware of the matter in which to file.

Re: Dealing with Midland/Transferred Debt

methorian — Sun, 19 Jan 2014 16:12:13 GMT

In the mean time I want/need to contact Midland in regards to the debt. I called Asset Acceptance (the original CA) to see if they could give me any info, but they said no and hung up. Since Asset Acceptance was the original CA, and the agency listed on the judgement, what should I expect from Midland? I want to make a settlement offer/etc. I assume I should request, in writing, a judgement satisfaction letter? I'm really not sure how to handle it since there was/is a judgement...

Re: Dealing with Midland/Transferred Debt

Anonymous — Sun, 19 Jan 2014 16:30:20 GMT

If you need documentation of the judgment itself, go to the clerks of the court where the judgment was filed and they will have everything on it.

And for what it is worth, Midland bought out Asset several months ago.

Re: Dealing with Midland/Transferred Debt

methorian — Sun, 19 Jan 2014 16:31:08 GMT

Can I request that information via a mailed letter? I live about 4 hours from the court.

Re: Dealing with Midland/Transferred Debt

Anonymous — Sun, 19 Jan 2014 17:08:24 GMT

You can probably call them and ask for it. They may or may not require written, along with ID.

Re: Dealing with Midland/Transferred Debt

Season79 — Fri, 21 Feb 2014 20:03:06 GMT

Hi there,

I have the same issue... a judgment that was with Asset Acceptance, bought now by Midland. I contacted the lawyer on the court documents which i found online. i emailed the gentlemen expressing my desire to discuss the judgment. He responded back saying he no longer would be able to discuss any judgment from Asset Acceptance, and sent my request to the parties involved. I now have the 2 direct email address for the lawyers that work for Midland. I have contacted them and am now waiting for them to respond. I will let you know what happens.

Good Luck!

Re: Dealing with Midland/Transferred Debt

methorian — Fri, 21 Feb 2014 20:17:27 GMT

Oh gosh - that information would be WONDERFUL! I actually send Midland a DV letter in reponse to the notice about them acquiring the debt. Midland, of course, responded the the DV letter with information about another debt that had of mine. The DV letter clearly stated the "Legal Account Number" as well as the fact that it was from Asset Acceptance in regards to a Citi Bank Account. The other debt was from an old verizon account. I called them and got transferred all over the place and ultimately got a voicemail box that was full.

I've had absolutely NO luck so far. I resent the DV letter with a cover letter stating what they had done. Haven't heard back from that yet. Please definitely let me know what you hear back. Also - if you could, please PM me the e-mail addresses/named/info! I'm ready to get this junk settled!

Re: Dealing with Midland/Transferred Debt

Season79 — Mon, 24 Feb 2014 14:40:48 GMT

Not a problem, i will share the information as soon as i hear back. I have sent 2 emails and no one has contacted me from Midland regarding the judgment. So im waiting now... and i will PM you the email addresses i was given. Good Luck!