Create your own payment plan through midland credit management

[Anonymous]

I received a pre legal notice for accounts that are currently owned by midland credit management. It states to go to the website to make payment or call. When I went to the website there was a “create your own payment plan” option. It gives you the option to put in an amount and divides it up over the number of months it will take to pay. Has any one done this and it been an accepted payment plan that keeps you from being sued/in court? Or does anyone have any experience with doing this through midland.

[Brian_Earl_Spilner]

Technically, they can sue you any time as long as you're in the Statute of Limitations(SOL). That being said, entering into a payment agreement will usually keep that from happening as long as the payments are a reasonable amount over a reasonable period of time.  What they consider reasonable is up to them.

I also received a pre legal notice from them for my $700 debt. They didn't take action for over a year. I paid them off today for 40% off. I had a previous debt with them for almost $3000 and they never filed suit. Others on here have had them file for $1900. It's hard to say whether they'll file or not.

[Anonymous]

I'm in the same boat as you. Did you end up taking the payment plan online?

[Anonymous]

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@Brian_Earl_Spilner wrote:

Technically, they can sue you any time as long as you're in the Statute of Limitations(SOL). That being said, entering into a payment agreement will usually keep that from happening as long as the payments are a reasonable amount over a reasonable period of time.  What they consider reasonable is up to them.

I also received a pre legal notice from them for my $700 debt. They didn't take action for over a year. I paid them off today for 40% off. I had a previous debt with them for almost $3000 and they never filed suit. Others on here have had them file for $1900. It's hard to say whether they'll file or not.

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Lol I got sued for $871! They of course won by default because I was young and dumb and I got my wages garnished. Total was well over $2k due to legal fees and such.

Judgement on my CR back in 2016

Definitely handle it if given the chance. Don't go down the road I went!