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Midland Credit Management Calling?

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Midland Credit Management Calling?

Hi all! Quick question for anyone who may be experienced with something similar. I filed Ch 7 in 2016, discharged in 2017. The last few days I’ve been getting phone calls from unknown numbers (I don’t usually answer these).. I looked them up and they belong to Midland Credit Management. I see from Google they are a pretty notorious junk debt buyer.

My question: I don’t have anything negative showing on my credit report (aside from the BK), and nothing is shown as being in collections. Should I ignore them unless something shows up on my credit report, or be proactive and send them my case info? They aren’t leaving any voicemails so I’m not even sure which account(s) they may be trying to collect on. I’m anxious they’ll report something and torpedo my rebuild, which I just started earlier this year too.

Thanks for any advice! Smiley Happy
Message 1 of 4
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Member

Re: Midland Credit Management Calling?

IMO it couldn't hurt to speak to them. If they reference something you IIB, that's a pretty cut & dry case to get them to bugger off. If they have any other reason for calling, you can play dumb and do some research after you hang up. Just don't admit or agree to anything while on the recorded line!!


Starting Scores (Nov 2018)
Current Scores (Jan 2019)
Message 2 of 4
Senior Contributor

Re: Midland Credit Management Calling?

Hello? This is Midland. Hi could you send me a letter claiming this debt and whats your address and I'll mail my DC papers to you and inform my lawyer your trying to collect on a debt after BK once I recieve your letter. Anything else I can help you with? Oh. Maybe where to send my lawyer my $1000 fine check for trying to collect a debt after BK. Thank You Goodbye.





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 3 of 4
Community Leader
Super Contributor

Re: Midland Credit Management Calling?


@FireMedic1 wrote:

Hello? This is Midland. Hi could you send me a letter claiming this debt and whats your address and I'll mail my DC papers to you and inform my lawyer your trying to collect on a debt after BK once I recieve your letter. Anything else I can help you with? Oh. Maybe where to send my lawyer my $1000 fine check for trying to collect a debt after BK. Thank You Goodbye.


Yep...THIS EXACTLY!!!


My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 4 of 4
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