I collected for Midland and Portfolio for a 3rd party collection attorney. They are HORRIBLE. They will sell and re sell your debt. So if you get something in the futre from a collection agency, don't ignore it, request itemizations in writing and verbally from the collection agency and have your banko docs readily available to fight them.
Well, as my title says: I filed for Chap 7 5/31 and my 341 meeting is on 7/8. Received an alert that my credit score increased. All of the Midland Funding and Portfolio Recovery accounts are gone. Is that normal? Am I going to get an unpleasant surprise in the future? Is this an unexpected gift from the credit gods? Should I burn sage/say a rosary/sprinkle salt?
You will also need to do the FICO dance and chant while throwing an old credit card into the fire as a sacrifice jkjk that's awesome that they went away!