Midland Credit Management (MCM) aka/Midland Funding collection debt desperation
Filed Under: Collections
Filed Under: Collections
As of late, they are getting cozy with Citibank and buying VERY old charged off debt. If the consumer has a letter and/or phone call from MCM, CHECK THOSE DATES on the alleged debt. Then check your state codes for the statute of limitations. This is for you – THE CONSUMER – to take advantage of see if the date to collect has expired. If is has expired then you need to write an SOL letter and send CM/RR to document the mailing. If the date to collect has not expired, write your VOD letter immediately.
Midland Credit Management is using an arbitration company to take the consumer to court. Arbitration is messy and ugly. This website has yet to write about arbitration and judgments in more detail. We have dealt with both scenarios and it is not pleasant. The only reason the collection debt would reach that stage is because you ignored the debt collector letters AND you did not learn your rights on how to fight it. If you have received an arbitration claim from Midland Credit Management, contact us and we can ONLY advise you over the phone (inotherwords, we do not offer a service to assist you with this critical collection stage) and to seek legal counsel. There is a right way to do that and a wrong way to do that.
At Next Level Credit, we stick to the basics of giving important information so that you can take action. We want you to be aware of the arbitration and judgments (more than basic) that MCM are using to collect and that this could happen to you. We strongly encourage you to seek legal counsel for the “more than basic” fight.
Also, MCM is hiring overseas in India to collect debt from Americans! Desperate perhaps?
Consumer (September 2008): “How desperate are the fools at MCM? Started receiving calls from India, collector spoke as though he was sucking marbles. Trying to collect on a debt more than ten years old. Went on about how he was “Certified by MCM” on the FDCPA. Almost impossible to understand. Why do junk debt collectors like MCM collect on such old debts and why go to India?”
Reply from Bud Hibbs:
Wall Street appears to be dissatisfied with many bottom feeders and they are feeling that impact. MCM thinks it has the right to place anything it chooses on a consumer credit report and never respond to validation requests. Consumers are warned that it is illegal for them to report accounts that cannot be validated and they still have the ability to payoff on FCRA lawsuits. I urge anyone being scammed by MCM to contact the consumer law professionals at www.myfaircredit.com. The law allows that you and your attorney may be paid for their greed, stupidity and attempts at extorting monies they are not entitled to. MCM cares only about making money at the expense of the American consumer, they are a disgusting, slimy organization that lies, cheats and puts us at high risk in a foreign country.”
Let us know if you have dealt with Midland Credit Management good and bad. Let us hear from you and leave a comment below!
NEXT LEVEL CREDIT
192 Responses to “Midland Credit Management (MCM) aka/Midland Funding collection debt desperation”
Leave a Reply
Comments RSS 
These scumbags called me at 8:10 AM on New Years Day. The caller sounded foreign, possibly an Indian accent. I asked him if he realized it’s a holiday and he sounded surprised. This was an old debt from probably around six or seven years ago and it’s probably about to expire, a few hundred dollars from a long distance company that continued to add charges after I canceled the account, then had slapped extra late fees.
They have called every other hour for the past three days, each starting at 8:10 in the morning. Today is the first time I picked up since caller ID said it was an 800 number. Today it was was unlisted. I didn’t realize they were allowed to call on holidays, but this Midland company doesn’t seem to care much about laws anyway.
Midland is outsourcing their collectors. An agency making millions that has cheap labor overseas – unbelievable! Thanks for this heads up for holiday calls. ~Next Level Credit~
They keep mailing us letters asking us to settle for a credit card we settled on over a year ago. They said we need to send them documentaion to prove that we paid this. The other creditor never sent us a letter, but our bank statement shows that the other company took out an odd amount, which was the amount we settled for. I don’t know if I should send them the statement as it has account info on it. Any suggestions?
Shellica, Thank you for your comment and question.
It sounds that you settled for an amount with the credit card company but the ccd company did not send you final docs on it. I suggest two things. #1 Contact the credit card company and tell them to send you proof of payment. Also a copy of the check from the bank.
#2 DO NOT send Midland anything about your personal account. Midland has to prove this “alleged” account for one thing and for another thing you do not owe Midland at all. Also, since you paid it to the ccd company – you DEFINITELY are clear about that.
You can send Midland a proof of payment letter with the copy of the check and a letter from the creditor that you paid.
~Next Level Credit~
I entered a payment plan with MCM Credit San Diego, CA on 09-07-2005 to pay off a debt from British Petroleum. The monthly payment was $54.37. The settlement amount was $1,304.94. Payments commenced on 09/30/05.
In 2006, we moved to a new home and advised MCM on several payments of the new address. In July 2008, I sat down and was reviewing bills and realized that I was still paying MCM and it was paid. I immediately called them and their representative in July 2008 who advised me that yes, it was paid and that there was a credit on the account. She verified the mailing address, and advised me that a check would be arriving in 90 days along with a “Paid in Full” letter. In January 2009, still no check, no “Paid in Full” letter. I call MCM again and this time I speak to another representative who said the manager will not approve the check or the letter. I ask to speak to the manager who gave me the name of Kami Rangeloff. She advised me that payments were missed on the account. I said “Which payments and I will send you a copy of the checks!” She furnished the dates, I made copies sent them to her certified mail on January 14, 2009 and asked that she send the check and letter. To date, I have not received any correspondence from Kami Rangeloff. She furnished an address as MCM Credit, 4302 East Broadway, Phoenix, AZ 85044. I double checked MCM Credit addresses and I do not find a Phoenix, AZ address listed for them in the main directories.
I am ready to hire an attorney, notify the state attorney general from AZ, CA and PA. It appears to be a scam. I am concerned because copies of checks from my checking account were enclosed and I did receive notification that this was received at the address furnished by Kami Rangeloff.
As stated before, MCM has no regard for the law. Any suggestions would be appreciated.
Gregory, Thanks for writing. MCM has at least 4 addresses. The one in Arizona is active but we will send you another one to use. It is time to take legal action and report this to the attorney general.
~Next Level Credit~
I’m glad you’ve written this, as this is EXACTLY what’s happened to my wife.
She had an account over 8 yrs ago, which closed in June of 2001 with Citibank/Zales. She is sure she paid it off, and yet just 2 months ago we get MCM sending us a bill for almost $1000! Certainly 8 yrs is too long? We have NO records of anything, and the banks don’t keep records that long either.
What can we do?
Eric, Thanks for writing. MCM is known for buying very old worthless accounts. Check the SOL for your state. Then write an SOL letter to them and that should take care of it. There is a sample here on this site that you can use. Report them to the attorney general too.
~Next Level Credit~
Midland has just started harrassing me on something that is at least 13-14 years old. They are trying to collect on Fingerhut which doesn’t even exist anymore! I have disputed this with 1 of the 3 bureaus and it was removed for lack of proof that I owe this debt.
Now, they are asking me about my daughter, who is a toddler. This is extremely upsetting. What can I do??? Please help me.
We received a letter from a in state lawyer telling us the were collecting on behalf of Midland, for a credit card debt we were unsure that we owed, we sent out the dispute and vod letter registered mail, the “law firm” signed for it so we know it was received. Guess what despite the fact that they have not validated the debt but are still reporting it on our credit! We are sending a second letter letting them know they are in violation of fedral law by trying to actively collect on a unvalidated debt that’s in disbute. Update to follow!
Michele,
An SOL letter needs to be sent to Midland as soon as possible. MCM cannot touch your daughter and what madness that is! Please report Midland to your attorney general and FTC.
~Next Level Credit~
Cami,
Thank you for your comment. Good for you in fighting back. You will have to write to the credit bureaus to get the item removed. Yes, write to Midland as well to demand removal of the items on your reports. And yes, let us know when you get the items removed.
~Next Level Credit~
Well MCM contacted me a year or so ago about a verizon wireless account from 2003. For 1000.00 or so. I was harrassed and threatened so many times for this cell phone bill. They DEMANDED full payment and called me continuously until I changed my phone #. They finally sent an arbitration and got judgement against me. I couldn’t do anything and I had no money and this arbitration was done in 11/08. Yesterday on 7/6 I realized my bank was overdrawn so I went to the bank and lo and behold mcm garnished my bank account for 1287.00 and took all my money. I am THANKFUL to have all this behind me but how do I prevent it from happening again? I have another collection with mcm and now i’m afraid they will do this again. I am trying to repair my life and fix my debt and I don’t want the scum bags of the earth after me anymore.
Heather,
Thank you for your comment and inquiry.
Even though MCM got the money and this pays the “alleged” debt, it is very possible that they will garnish again. How did they get your banking information? So what you need to do is talk to an atty on the phone – where are you because I have a list of attys that could help (I just started compiling contacts). You may have to get an atty to do a motion to dismiss the garnishment now that it is paid. Or you can do it yourself without a lawyer. MCM CAN do this again even though it is paid in full.
As far as your other collection with them – you may be an easy target. Write to MCM with a VOD letter asking for validation. You can get one off this site or we can do this for you. You have to write to them ASAP and be one step ahead of them. MCM is one of the worst of all.
~Next Level Credit~
Useful info, nice blog, thanks.
I am lost here..
Heres whats happening…
I got a letter from Midland Credit, My 5,000 bucks has been garnished.. Have to go to court..
So I went to court to talk to them about what happens and why my account has been garnished and who I owe. The court people didnt have or refuse to give me information on who, when and why…
So I Called the midland people and all they said was I was being sued by discover card card and if I want more information I must call the law office that they forward my info to.
So I called the law office Javtch,Block & Rathbone LLP,and all they could tell me was that they were suing me for that amount and would see me in court.. They either refused or couldn’t give me anymore detailed information besides that my so called credit card debit was filed in 2000 and they are seeking my money in court this month Aug 2009..
So I called discover credit card company and spoke with a manager there who was about to loose it.. All he said was that I had opened an account in 1986 which I really dont recall and my account got closed in 1997, there were no payments made in between and he was unable to prove that I made any payments or anything. All they got is my ss number and my mailing address.. I never once received a letter in the mail for billing nor anything else. So therefor I have no records on my behalf stating that I applied for discover credit card nor owe that amount of money at least not with discover card. But I have dealt with that midland company once before for almost the same amount the one I did I paid it in full..
So I dont know if I am being charged for the same bill or something or am I being robbed in some id theft or they made up something?! Because I have no record of me doing this none what so over..
So do you have any suggestions AND advice because not only this is an oooooooolllld debit that I am dealing with, I also have no proof or history of using discover and also no one will give me more information to help me understand this case better..
Please help!!
Lizzy,
Thank you for your comment. Often you will find that the courts do not have the information for you. Every state is different. You are being sued by Midland Credit with a collection attorney in your state of residence. (JBR LLP) It is not usual to be garnished without a judgment but I heard that is possible and illegal. I am assuming there is no judgment. Did you ask the clerk if there is a judgment against you? Can you look this possibility online in your state court? Some states have public records access.
It is unusual that the CA would not give you information on your case. From what you write, this is time barred. It is too old to any debt collector to collect. The collectors CAN attempt and often do.
You have stated that you may have paid Midland before possibly on this account. Do you have any documents of paid in full?
I would suggest a great consumer attorney, please contact us so that we can find out what state you reside in and let you know who can assist you.
~Next Level Credit~
Hello again thanks for responding…
There is indeed an judgment against me. They did all of this through court.. I am located in Shaker Ohio (Cleveland)… I haven’t been able to get a lawyer or any support.. The legal aid refuse to help saying that I make too much money,I make less than 30g a year so money is tight. so I tried the district atterony and they cannot help me since judgment has already been made. Everything has happen all so quickly,they garnished our account in Aug 9th, got a letter on the 11th now I have a court case tues Aug 18th. No time to react or do much.. Been on phones and computers calling people.. I even called the FTC and a few offices but no response or anything… I am struggling to get more information regarding garnishment, because like you said my case is quite old and also when I spoke with the credit card company they claimed that I owed them 1,555 and I was wondering how did it get to 5,600 bucks…
I will check back online soon to see if you guys put in a new response..
Thanks for the response
Lizzy
Ps.. They said its from another account…I paid one and now they are saying that I owe them from a credit card company I never used.. At first I thought they were confusing it with the other because prices are almost the same just a 20 dollar difference! and which I paid that one in early 200’s and yes I have papers stating that..
The one for this judgment was originally was 2,434.00 so then they doubled the fee 5,600.00 after the judgment was made…
My situation is slightly different…. I just received a check in the mail for 58.91 from Midland Credit Management, as much as I could use this money I was slightly leary to cash it! So I went on-line and thanks to websites such as yours I had some ammo, and I was able to call the number on the check and question it. Several years back I used a debt managemet company to assit me NOT Midland Credit Management another company and when I called Midland Credit Management they claimed this is a refund from one of the debtors that has long since been paid off. After reading they are junk debt collectors and they do not have such a great reputation, I explained to them How I really feel, this is what I told them: You can bet I will not be cashing this check since I do not want you to have my checking account number, and no offense but the company you work for is shady and thanks but no thanks! Sorry I would not trust this company!
Dear Next Level Credit,
I see that you have very valuable answers for people with questions regarding Midland Credit Management. My situation seems to be very similar to Lizzy’s, but I have let it lapse and it has snowballed into a mess…
I have had a few credit cards over the years and did let one get delinquent. The credit card that I neglected was a B of A Visa with a credit limit of 5000. Over the past year I have been receiving notices from Midland stating that I owe 6800 on a credit card that they have collected. I assumed that this collection was on the B of A card.
Midland has since gotten an attorney and has been garnishing my wages for the past 5 months. I called the law office that is issuing the garnish, Jerold Kaplan Law Office, and they informed me that it was for an ASPIRE Visa. I am worried that this debt is in fact not mine, but I have been paying on it for months now via the garnish… Do you have any advice on how I can verify that this debt is in fact mine? Kaplan Law Office has offered no assistance, and I have no contact information for Midland. Any assistance would be greatly appreciated…
Thank you,
–dave
Alecia,
Thank you for your comment. Good for you!!!
And great for you to know that something was not right with that check. You are very brave to talk to one of the top 100 worst agencies in this country.
We are glad to hear that this site was helpful in educating you.
~Next Level Credit~
Dave,
Thanks you for your comment. The letters from Midland should state which account they are attempting to collect. Were you aware that you have a judgment? There has to be a judgment rendered in order for the court to garnish the wages/bank account. If you were not served a summons, that is another issue you have to question.
If you have never had an aspire visa, this may be a case of id theft. This happens often to consumers and they have been sued.
There are a few issues here: the account, the judgment (when) and the garnishment. You should consult with a very knowledgeable consumer attorney who is well versed in collection issues.
~Next Level Credit~
I need help bad.
Yesterday I got my paycheck and realized that I was being garnished. BTW I live in Virginia. I immediately called my job and they gave me Midland as the place the debt is being paid to.
I called the attorney on my garnishment letter from my “employer”
Okay so here is the problem they state this is for a Gateway Computer. I have never owned a gateway computer. I never ever got a letter from the company. I never recieved notice of a judgement being placed. This was done in a county I no longer even live in and have not lived for quite a long period of time. The lawyer of theirs advised me that I owe the debt. How do I owe this debt. I have reported this to the BBB but, what can I do to stop a garnishment I know nothing about nor have I any clue this was happening any help would be greatly appreciated.
Angel,
Thanks for your comment.
Close your bank acct today also – asap. Until this is resolved. It is hard to stop Midland from taking paycheck right now because your employer has to comply. But you are going to need a great consumer atty who understands the corruption of jdbs and how Midland operates.
Sounds like two issues: id theft possibly? And improper service (you never were served a summons). Can get dismissed.
Look online for the judgment in that county. Find out more details WHEN WHO WHAT WHERE, ETC.
You will need an atty because of these issues unless you want to do this on your own. You can go to debtorboards.com and get assistance on how to vacate this judgment due to improper service and have all monies returned to you.
~Next Level Credit~
This may be the more conservative approach to this system but a good rule of thumb is to simply only get credit cards from companies backed by a bank you’ve heard of. Chase, Citi, BofA, etc…
These banks have too much to lose to try and employ these kinds of deceptive practices on a regular basis. If you can’t get approved for a card at one of these places then it is likely that you should not have a credit card right now.
Recv’d a summons today for an old Goodyear store card that was charged off years ago. The summons states Midland is sueing me via an attorney in my home state (MO), have a court date in Oct. I’m really concerned about what I’ve read about peoples bank accts being garnished as I make less than 15k per year & am on food stamps. Have never heard of Midland Credit Management or gotten any correspondance from them. Am I just screwed???
TL,
Thanks for your comment. No you are not screwed. There are actions you need to take immediately.
Two issues: no other letters prior to receiving the summons? and this account most likely is expired. See the SOL for your state (link on our blogroll). Also where do you reside? MO or did you move?
You will need to answer the summons/complaint within the time frame on the complaint guidelines regardless of how old the account is. Goodyear has nothing to do with this account and Midland wants to collect. If there is a judgment rendered, then there is a possibility of garnishment but you can take steps to prevent this from that result.
We suggest defending yourself – pro se – with the Defendants Package. See “beat a lawsuit” tab on this site. The other choice is to have a great consumer atty (MO) who understands Midland and the corruption and have them take care of this for you. Contact our office if you have more questions.
~Next Level Credit~
Thanks for the response. Actually I checked my last years income tax, I made less than $9800 gross! I’ve already answered the complaint even though in my state only showing up to court is req’d, I opted to answer. I am debating filing a motion to strike their bogus affidavit, not sure if now is the time though??? I have no choice but to fight this pro se, I know they can’t legally garnish my wages because I don’t make the weekly minimum for garnishment ability but I’m sure they’ll try anyway or worse yet try to freeze my bank account. It seems like the status quo in this country today is to kick people when they’re down and I am so tired of it!
TL,
Thanks for your comment. Some states set up a hearing and that gives the defendant an opportunity to go in front of the judge. Usually when the answer is sent to the court, the hearing is scheduled. Your state is required. Yes, you should do the motion to strike affidavit of debt. If there is an affidavit of debt in the complaint – send in a motion to stike to the court now. Did you send in Affirmative Defenses? Even though this is SOL, you still need to move forward as if it is not SOL. SOL will be one of your defenses.
Collection attys garnish bank accounts first. It is difficult to garnish wages. If the CAtty has the banking information, it is easy for them to garnish the bank account. The defendant is not notified before that happens. It looks like you have educated yourself alot in regards to this matter. Good for you!!! We want to know about your results when this case gets dismissed.
~Next Level Credit~
Hi — issue and resolution/Maryland.
In mid August, I got a notice from the court of a wage garnishment being served to my employer. Since this was a piece of forwarded mail, it was about two weeks old. Immediately I started to contact the plaintiff (Midland) and the listed attorney and learned she didn’t work for the company. So, on a Friday, I hear of a judgment/garnishment that apparently had started. After finally speaking with someone at Midland, the only alternative they offered to stop the wage attachment was payment in full, for a debt I had no knowledge of, and a collection efforts that didn’t include me.
None-the-less, the monies started coming out, 25% of my salary to this company. I went to the court and filed a motion to vacate. This was a two week process to get started and then an additional two weeks or so to get a court date. Finally, 3 wage attachments later, I present to court and my case is heard. My issues: never being served, not aware of debt, no notice sent for the court hearings, incorrect address etc. (all bull that this company uses to do this), helped me to defend against this. My judgment was vacated, the wage attachment released and now the fight begins to recieve the refund.
Now is a great time to fight this company, there are legal actions against midland and a cease and dissist order exists on their business.
Good Luck!
W Lanair C,
Thank you for your comment. THIS IS FABULOUS!!! THANKS FOR SHARING.
We just posted an article about MCM in Maryland…
http://nextlevelunlimited.net/blog/midland-funding-midland-credit-management-midland-porfolio-services-encore-capital-group-new-developments-in-maryland/
Congrats on your case – we love to read about these victories.
~Next Level Credit~
I just dealt with this agency again, it is the 2nd time I paid the same bill. I feared them, and should have checked on line first but we paid it. It was 207 $. I know I didnt owe it but there was nothing I could do about it. I should have not paid, but I was worried about our credit report. I will have proof from them this time, (lost the last proof in a tornado), and will not pay it again. We were abused over and over on the phone by them, the woman hung up on us twice, put my husband on hold and told him to “calm down” accused us of calling her names which we didnt do, interrupted us repeatedly during the calls. Her name was raquelle, which we all know is a made up name. I dont think its a common indian name… This is a terrible, crooked agency that is designed to steal money from people.
I have had similiar experiences with Midland Credit Management; although I can’t say they have been as bad as some of the others stories happening to posters here. I received the same form letter from Midland asking to supply documentation, etc while they notify the CRA’s that the item should be updated to in dispute. As a note, I filed 2 seperate disputes (one to Equifax and the other to Trans Union via online services). Ironically, I believe these 2 letters I received are directly related to the disputes filed with the CRA’s. So I am awaiting the dispute results from the CRA’s before proceeding any further.
Interesting enough, I submitted a debt validation letter to Midland Credit Management in San Diego, CA. Within 10 days, I received a form letter again from them informing me that based on the information they were able to gather…..they were notifying the CRA’s to delete this account from my credit report. 2 months later, the account has not re-surfaced nor has it been trasnferred or sold to another agency.
I will continue to use the format letter and if additional sucess is received…will post to the website for tohers to use.
Steve
We also have a suit against us from Midland. Bought the defendant’s package and has helped some but we filed an motion to strike their affidavit and they responded that the “affidavit was attached to the petition in the event the defendant defaulted. Defendant appeared for first answer and did not default therefore their motion to strike the affidavit is moot.” They also go on to say that they “respectfully move the court to overrule defendants motion to strike affidavit as moot, for reasonable atty fees for defending this action, etc.” What does that mean? Have no idea what to do now.
Carrie,
Thank you for your comment. When a consumer uses the defendant’s package, there will be difference guidelines in each state/county. Check your procedures.
We are not a legal office therefore we cannot tell you what this means and what to do next.
Feel free to contact our office so that we may point you to more legal resources that may assist you.
~Next Level Credit~
In January, 2009 I sent a debt validation request to Midland via Mann Bracken LLC who were hired my Midland to collect on a defaulted credit card debt. However, I never heard from them again. But it was reported to the three credit reporting agencies as “disputed”. ( I’m not sure if this is relevant, but Mann Bracken filed for bankruptcy this month).
Early this week I received a letter from Midland asking me to assist them with their investigation into the disputed account. Midland asked me to provide them with any evidence (statements, cancelled checks, police reports, etc.) to support my claim that I did not owe the debt. I’m assuming that they do not have any record of said debt and they are hoping that I will give furnish them with evidence to confirm the debt.
What should I do at this point?
Anne,
Thanks for your comment on my website.
Yes you are correct in your assumption. It is up to Midland to PROVE that you owe to them. Which you do not owe them. Do not send any information at all. They are really slick this way.
Midland is getting back to you in writing 11 months later? Write a nice calm short letter to them that you already requested validation and send them a copy of the RR and CM to prove it and that Midland time to respond has passed. Write that this matter is closed.
Right now the BK with Mann Bracken will not weigh on this much. The BK will not be official until 2010. But you will be able to remove from credit report soon enough. Give it a few months and then you can get the items removed.
If you would like us to do this for you…contact our office.
~Next Level Credit~
I keep getting phone calls from MCM about a $3000 bill for CitiBank which I have never had an account with CitiBank! These people want me to make a police report disputing the debt. MCM tells me that they will contact a local attorney to collect this debt from me. I do not owe CitiBank any money! What is a SOL and VOL. Do I need to send those sol and vol letters too? What should I do here to protect myself from MCM?
Amanda,
Thanks for your comment. This seems like ID theft. You will still need to write to MCM for validation of debt. MCM will threaten to sue regardless of ID theft. SOL is statute of limitations. Each state has a SOL to which a collector can attempt to collect. VOL – VOD? Stands for validation of debt. Yes you will need to send a VOD letter immediately. Contact our office for your options.
~Next Level Credit~
Hi there – I have just received maybe my third letter from MCM, this time it just looks like a bill. I haven’t had any calls or agressive letters from them. This current letter just has “special offers” – different offers for options of payment. I also just got a letter from NCO Financial Systems. I haven’t had credit cards since my terrible days of youth back in the late 90’s – this is when I lived in California, which I believe has a SOL of 4 years. These are charged off accounts (terrible, I know). Would this be the point where I would send a letter for proof or verification of debt? Could you possibly send me a copy of a letter that would do the job? I am reading around about this and am very scared about the possibility of renewing this debt or making it ‘live’ again. Sorry I’m very ignorant about this! How would I also be able to identify if either of these are reported on my credit report and can I demand that they be removed?
One last question, once I send a letter for verification of debt, should I wait for a reply if they cannot verify? If I no longer get requests should I let it go?
Thank you,
Elki
Elki,
Thanks for your comment. You need to send a VOD letter to MCM and to NCO. There is an SOL letter depending on how old the account. Any payment would restart the SOL and make it “live”.
You will need to check your credit report and you can have these items removed.
Go to our home page, fill out your name and phone number today and we can give you an analysis of what you need to do next. This is time sensitive.
~Next Level Credit~
Hello,
My situation is similar to Elki i just received a “special offers” from MCM stating three payment options from a Chase credit card that im sure i owe on. I was considering just paying off the debt and moving on with my life but after reading all of this im kind of scared to put my money into there hands what should i do??
S Martin,
Thanks for your comment. Chase has nothing to do with this alleged collection. You definitely should be apprehensive about paying MCM. Have you read our home page where it states you may not have to pay?
99% of the time you do not have to pay the collection agency. MCM is attempting to collect. A VOD letter needs to be sent immediately.
Your next step is to contact us for an analysis.
Go to our home page http://nextlevelunlimited.net and fill in the form and we will contact you at the time you specify.
~Next Level Credit~
Hi, I’ve just recieved a letter from MCM regardng an $800 account with HSBC, they are offering me a discount where I can pay half of what I supposedly owe.- I’ve never applied for a credit card in my life, and I’m sure I have been the victim of identity theft. I’ve read a lot about garnishment of wages and bank account freezing. I have an account with an equities broker and I’m wondering if the could come after that too, also, should I still sent the VOD letter even though I’ve been the victim of identity theft, or shuld I try to handle it with MCM as a fraud case??? thank you
Andrew,
Thanks for your comment. Sounds like you are a victim of identity theft. Garnishment only happens when there is a judgment rendered. You are way ahead of yourself. Your equity account should not be garnished.
You need to send the VOD letter regardless of the ID theft. However, the letter should indicate such. No, do not deal with MCM at all as a fraud case.
Contact our office for assistance.
~Next Level Credit~
I just wanted to point out that it is very important to know what is on your credit report. You can obtain a free copy (in most states one per year from each reporting agency, or at a low fee i.e. $8.00) at annualcreditreport.com
There are sometimes errors on it (as once I had the purchase of someone else’s house on mine).
Know which debts you owe and try to work it out before it goes into collections. You can question the validity of the debt before getting summoned to court or if it’s ID theft be able to start taking action before the collection agency gets involved.
I too have gotten a debt collection letter from MCM which kind of landed me here on this website. I realize it is my debt and I want to have my name cleared from it. My intention is to pay it off with a bank check, make copies of everything and safeguard all paperwork!!! Apparently, it seems that I might need that info later.
Thanks everyone for sharing your experiences with MCM.
Carmen,
Thanks for your comment. Yes, we agree that consumers need to be aware of what is on their report.
We notice that you have knowledge about the collections. Good for you. However, why would you pay MCM? Have they actually validated the alleged account? And IF you assume so and start paying MCM, do you trust that they would keep their word about the paid balance?
Contact us for an analysis.
~Next Level Credit~
I had a cc with WAMU that had a balance of around $4500 with a 7% fixed rate, never late. Chase bank bought out my WAMU account last year when WAMU was closed down. Chase intentionally(in my opinion although I cannot prove) delayed sending me my statements in order to make me be past due. They then raised my % to 29.99% and said I owed more. I asked Chase to lower my % back and I would continue payments, remember I had not missed a payment or been late on this account in 5 years, until Chase took it over early Spring 2009. When Chase refused to lower my % back to normal, I refused to pay….and have not paid since early last year!!
Well Chase finally turned it over to BCR for collections last fall. I talked with BCR and discussed a payoff. BCR offered me a 75% discount if I would pay in full. I accepted under 2 conditions….that they get me proof in writing that the debt would be paid in full and that my credit would be corrected. They refused to give me that until I made payment, so figuring they was just ripping me off, I broke off talking with them.
Well now the last week or so I have been getting restricted phone calls 20 times a day, yesterday I got a letter from MCM. They now claim I owe them around $6500 on a Chase Bank account that Midland Funding LLC is entitled to payment of on behalf of MCM.
I am self underemployed (no paychecks)but I do have checking and savings accounts.
Should I send a VOD letter?
Should I demand to see where I signed a contract with WAMU originally?
Should I try to compromise with them and offer 20-25% of what they say I owe?
Any advice would be greatly appreciated. Thank You for this site with information.
Thanks
Randy,
Thanks for your comment. We are glad to read that this is helpful for you. Please read this article again about sending a VOD letter to MCM.
In answer to your questions, YES you need to send a VOD letter. NO – do not talk to MCM. NO – do not settle “compromise”. You need to understand WHO MCM is exactly, and what they do to consumers.
Go to our home page, http://nextlevelunlimited.net – watch the 3 minute video and sign in for an analysis.
~Next Level Credit~
NLC, Thank You! I sent the VOD on 2-22 and they have yet to sign for it. They call me everyday, several times a day. Today I answered and told them I had sent VOD and was waiting response. The guy tries telling me in broken English, that I have already been sent the VOD. I told him that they have not sent it, only a collection letter. He is trying to tell me that they are same thing……I told him I need proof I owe this, as in a signed contract. I told him to check his mail and respond and I hung up.
Is it normal for them to try convincing me that their original collection letter was the VOD?!?! What do I do if they never sign for the certified mail?
Thanks Again!
Randy,
Thanks for your comment. First, do not talk to MCM. Once you send correspondence, you should stop talking to the collection agency. Second, you have to let time pass. MCM probably has not received your letter. You can track your certified mail online. MCM is in California and you should get the RR next week sometime.
Let time pass…a week or so for the process to work. The calls should cease after you receive the RR.
~Next Level Credit~
Hello, I been reading and learning alot here, thanks. Ok, so a few years alot I had a Verizon Wireless phone and let my sister take over while I went to the army and over seas. Not that I’m blaming my sister but, she let the bill go for 2 months and added up to about $1200. Long story short, I been recieving mail from MCM stating that I own $1700 and I have a few options, 40% off for a one time payment, 35% off for 3 payments etc.. for the past 2 years. So I was think I might go ahead and pay it off because that’s the only thing been holding me back from getting loans. So I call and ask if the total amount was the same as last year. It was the same, saying they will not go down on the total. So in January I recieve a call from them (blocked number) saying if I would like to talk about my options for the outstanding account, I said I know I owe $1200 but not no $1700 anyhow, I hang up. few weeks later another call… ” this is (so so) and I would like to talk to you about your open account” she told me the same options and then “wait a second” she clicks over… so I hang up. March 1st, another call, same lady I think, tell me that I was approved for a 50% settelment, I told her that I do not have that kinda of money right now and she says “well we need a $25 deposit to keep this 50% off open to you, so I thought about and told her ” ok, I can do the $25″ so I give her my info and it goes through the next day. I’m sure I will be getting a call back from them soon and now I’m not sure of what to do now. Should I pay what they offered or should I take other actions, I have not done that VOD but I do have the mail they been sending me. What should I do about them having a way to really bill and and take the money from my bank account? Can they really even without consent from me? I mean they have my debit card info?
Another thing, how would they get my address, I been here One and a Half years.
Thank you. Steven
Steven,
Thanks for your comment. In answer to your questions, you need to understand MCM and who they are and what they are doing. Why would you believe that they say over the phone and give them banking info. NEVER NEVER NEVER. They will take your money out of your account without your authorization. The little payment of $25 acknowledges that you owe them. However, there may be recourse for you. No you should not pay what they offered. Close your account and open another one. They are not supposed to take the money out without your knowledge but it will be hard for your bank to recover it if that happens.
Contact us ASAP to deal with MCM. There may be a way to fight this even though you paid them $25.
~Next Level Credit~
This has all been very helpful. My husband recently received a court summons from Midland. We went to the court and filled out the paperwork in response. We have no idea what the debt is they are talking about. We now have a pre-trial date set for April. They sent a request to appear telephonically which we again went back to court to fill out to paperwork for that request to be denied since we will be appearing in person and ourselves live out of the area.
Any other suggestions moving forward?
Thank you.
I was caught by suprise by a lawsuit from Midland Funding. I received a summons last week for a court hearing next week!
The account they are suing me for:
Purchased from Citibank, The last payment — in July of 2005, it’s just 4 months until the SOL is expired.
Due to the lack of time, I’m not going to be able to do much. Are there any defenses I can raise to attempt to get this dismissed? Can I ask for written verification when I show up for my court date?
Also their supporting document attached the court petition looks like it was typed up in Microsoft Word just showing my name and the amount I’m supposed to owe (very shady).
Char,
Thanks for your comment. We suggest that you file your own Answer and Affirmative Defenses for starters. Filling out the court paperwork is fine and depends on the county and state, however, you should prepare your own Answer. Or seek legal advice from a great comsumer attorney who understands collection debt lawsuits.
~Next Level Credit~
Dalton,
Thanks for your comment. You can file Pro Se with Answer and Affirmative Defenses for starters. Or get an atty – see advice to comment above yours. Asking for validation will be part of your answer to the court.
~Next Level Credit~
Recently I received a letter from MCM stating that we owe them money for a purchase i made at American Eagle about a year ago. We have a bank statement that proves that American Eagle cashed our check before the due date but now they insist that we owe late fees. When we called American Eagle to ask them about the fees, our call was immediately transferred to MCM. We sent in the bank statement to MCM but they rejected it. How else can we prove to them that we don’t owe them the late fees that they are asking for (which has accumulated a lot of interest over the past year).
Thanks for the information, i posted your blog to my facebook group in the category `Midland Credit Management (MCM) aka/Midland Funding collection debt desperation`. Regards, Katy
I have been paying on a debt with MCM for about three years now. When I started, it was at about $21K, and now it is around $9K. When I got started with them, someone there who seemed “nice” told me that if I just add a few extra dollars onto the agreed upon amount every month ($300), that the debt won’t be transferred to another department where they call and harass for full payment. Every month, I’ve made my payment (and added a few dollars), without fail, and have never been late, and they’ve pretty much left me alone and have just sent me a statement every month. I’d like to offer a settlement of about $1500 or so, just to get it out of my hair, but since they are so shady, I’m afraid to open up a dialogue with them and am wondering if I should just leave well enough alone and keep paying every month. Not sure if I should “upset the apple cart”, so to speak. What do you think I should do? I’m afraid of these people due to all of the horror stories!
hetting hit from calvary, redline, et. all. MCM / Jerld Kaaplan have been awarded a judgment. we’re around 200K overall debt. mostly card debt floating a struggling biz through the bailouts. i think the MCM judgment is around 12K. and someone else is trying to serve us. we’re flat broke. no jobs. sustaining on an annuity that wont last much longer.
the original debt was to BofA or Cap One. it’s almost three years since we paid on most of the debt. will this get washed in the SOL? (arizona) the three year SOL is debatable. is BK really necessary? what do you all say??
drex,
Thanks for your comment. It is hard to say based on this limited information if you should do BK.
Feel free to contact our office for more analysis.
~Next Level Credit~
i dnt understand why MCM is being brought into bad light as a debt collection company. Ppl jus dont wanna pay for what they used and so they try to run away from debt collectors or make lame excuses to get away with it. N i tell u ppl r really gud at giving a runaround to debt collectors…all that displays nothing bt lack of sense of responsibility and failure as a responsible citizen of the state. SOL is purposely misused to the debtor’s advantage thus creating a dent in the state’s economy by the ppl who know how to use it to their advantage.
I gave MCM my checking account information for automatic monthly payments. This is on a homedepot credit card. Now they are calling me about another credit card. I am afraid that they may take money out of my checking account to cover this other charge card. Would it be legal for them to do this?
Alisha,
Thanks for your comment. At first we were not going to publish your comment, but we can letter the reader inform you of what you do not know. We would assume that you work for MCM. Do you really understand collection agencies and the corruption? You most likely work for them because you could not find employment otherwise. We deal with them all the time and they are not a threat.
Don’t write to us about responsibility and paying debt. It is obvious that you are unaware of consumer rights against CAs. SOL is a right. Paying or not paying the CAs has nothing to do with the economy.
~Next Level Credit~
Ellen,
Thanks for your comment. First, did you validate the alleged debt with MCM BEFORE giving them checking account information? NEVER NEVER give that information to a CA. Second, MCM is not collecting for home depot. MCM could take out money for the second alleged account. No that is not legal. Close your checking account. Stop paying all of it immediately. Stop talking to them. You can take action against both of these alleged accounts.
Contact us for an analysis today.
~Next Level Credit~
I got a call today from a lawyers office saying they were collecting a debt for Midland funding from 2003 (This is 2010). The original collection agency was Mann Bracken which recently filed for bankruptcy. There have been court proceedings against Mann Bracken and Midland filed in Maryland for illegal and deceptive collection efforts.
My questions are
What is the statue of limitations if a debt is acquired by new collection company
If Maryland said Midland is not allowed to do business in Maryland does this apply
Kay,
Thanks for your comment. Are you in Maryland? Is this a judgment? You have multiple issues regardless of SOL.
Fill in our contact form, so that we may contact you and give you analysis for your next action to take.
~Next Level Credit~
I have recently received my credit report and Midlandd Credit Manage has been making inquiries on my credit report repeatly over the 3 years.
Also, they have been changing the debt’s orgination dates so that I can not reach the statue of limitation..When I tried to inquiry about it, they use this tactic to get you personal information to start collection procedures. Is there a way to get this settle and removed from my credit report. Also, I want to know is it inllegal for a collection company to making inquiries on your report without your permission?
Totally lost for resolution,
Thanks for your comment. We are not sure if you are referring to only your credit report and/or MCM is contacting you to pay them. Yes there is a solution to do both. First, do not pay MCM. Yes it is illegal for a CA to make inquiry on your report.
Second, fill in our contact form on our home page so that we can analyze exactly what you will need to do next.
~Next Level Credit~
Hi…
My husband just received a letter in the mail from mcm for a verizon wireless acct with a balance of $800. The letter gives options to pay off the debt etc. He has NO recollection of ever even having a verizon acct. and there is no collection on his credit report. I have read all the posts and am scared!! Do we just ignore this letter or do I dare start communication with this company?!
Help!
Susan
I have been receiving a letter for 2 years from MCM about an AT&T bill that is at least 5 years old. The account was put in my name, and the final bill was never paid. I am located in Texas, and unsure about the SOL laws here. The debt is for $355 (which seems extremely steep for a phone/cable bill), and the letter says that they will consider it paid in full for $213. I have read not to pay this because it will just get sold to another collection agency, or will pop up on my credit sometime down the road.
Today is where it got really frustrating. They contacted my mother-in-law! They asked to speak with me. She asked how they obtained her information, but he would not tell her (obviously).
What can I do from here? I want to get it off of my credit report, and I want the harassment to stop. At this point, I don’t mind paying $213, but it is the fact that me paying will not resolve this issue.
How can I deal with these crooks once and for all?
Should I send a DV letter?
Any, and all help is greatly appreciated.
-Adam
Susan,
Thanks for your comment. This may be expired. It seems MCM is grasping at any amounts these days. It will not always be on the credit report. Do not ignore this letter. MCM needs to be challenged. Do not talk to MCM at all.
Contact our office for an analysis. Go to our home page and fill in form.
~Next Level Credit~
Adam,
Thanks for your comment. The debt has most likely expired. Check your state SOL. Then send a letter regarding SOL.
Contact our office for an analysis today.
~Next Level Credit~
A few days ago, my parents told me they had been getting calls for the last several weeks from someone asking for me by my maiden name. They thought it was a telemarketer or something and told the caller repeatedly that I do not live there and asked them not to call back. They kept calling and finally my parents gave them my phone number and again asked them not to call back.
I was finally contacted yesterday by a man with an Indian accent who said he was “Ron Jackson with MCM” He said he was calling about an old debt. I told him I don’t have any old debts and please stop calling me and my family. He said he could not do that. I just hung up because I was already annoyed that he had been repeatedly calling my family when they told him I don’t live there.
I did not think I had any unpaid debts, but just to be sure I checked my credit report. My credit report was clean of anything negative, but Midland Credit Mgmt Inc was listed under Acount Review Inquiries in May of this year.
My questions are 1) Why would they check my credit and how were they able to check it? Also, will their inquiry have any effect on my credit score? 2) How do I get them to leave my family alone? and 3) If there was a legitimate debt, wouldn’t I have gotten something in the mail from the supposed creditor?
Lisa,
Thanks for your comment. Please go to our home page to request a quick analysis. MCM needs to be challenged. Let’s talk immediately. We will answer your 3 questions at that time. MCM will send a letter to you soon – we are sure of that.
~Next Level Credit~
I have just gotten off the phone with these idiots, on a CC that was closed and paid years ago. I don’t know if this works elsewhere but in NY you can send a letter stating that you will only deal with the original debtor, by law they cannot contact you again.
Neil,
Thanks for your comment. No the letter you are speaking of to “deal with the original debtor – you mean original creditor – and they will not contact you again” – no that is not correct. You need to challenge MCM.
You have 2 issues you are dealing with and if you would like our advice, please go to our ABOUT US page and register for a counseling session.
~Next Level Credit~
I need some help. I received a call from MCM a week ago they told me that I owe $2600 on a BOA CC. Now this is a CC from 05 and I know that it was not paid. Because I did not have the means to pay BOA I guess that is how it got to MCM. This is the thing I am now unemployed and I told the guy on the phone this. He didn’t speak very good English. But with reluctance I agreed to pay $25 a month. I see that they buy these debts for penny’s on the dollar can I still negotiate or am I locked in. Also I Live in FL is it to old of debt and they should never have called me. I don’t want them to try to go after my bank account. Any info would be appreciated.
Mike,
Thanks for your comment. You may be able to make this go away and stop paying even though you have sent them $25. Contact us ASAP. You should not pay MCM at all.
Please go to our ABOUT US page and sign in for our counseling session.
~Next Level Credit~
They’re so called attorney’s are still part of the collections. They tried to take me to court for a cap one credit card that was stolen. After Cap one took off the charges, then added them back on 3 months later because I did not file a police report. Midland filed in hopes I would not do anything. I filed an answer and was prepared to go to court (whatever happened) but just received a letter of dismissal. They want the easy way out of your money. Even if it costs a little, attempt to fight. My answer cost me 137.00 to file, and them we were to be assigned a mediater. Just received a letter of dissmissal today. Now I will fight to have them taken off the credit. Good Luck to anybody and stay strong!
So what should be done next? Any ideas since, the case was dismissed without prejudice, I have a feeling they will try another tactic.
My Midland story is like a true soap opera. I guess all I can say is follow along, while I sort through a fewy questions and the results are likely to be shocking. Forgive some of these questions as I appear to be a bit over trusting. My first question about MCM in India, is this- The equipment that they speak into meaning their telephone and any devices they may have on it, are they capable of making someone with an Indian accent sound COMPLETELY British when on their work phones?
Please answer, much more to follow!!
Lisa,
Thanks for your comment. Congrats on your winning! We don’t know what could happen next. Another collector might attempt to collect.
~Next Level Credit~
Samantha,
Thanks for your comment. It does not matter how Midland sounds on the phone – accent or whatever. Midland wants your money! That is the issue.
If you have more questions about Midland and collections, we encourage to you sign up for our counseling session and we can answer your questions and advise you.
~Next Level Credit~
Some guy from this place called my home today. He was foreign. He asked for a lady that doesn’t live here. I asked if he could please remove this number from their call list and he said “We cannot do that, that is not possible”. I told him yes it was indeed possible, stop calling. He was very rude, I was very blunt and asked this guy why he was being such an a**hole. He just laughed and said “Really”? Then asked “What is the last four of your social security number?” I told him that he is nuts if he thinks I am giving some random stranger any part of my social security number. He then asked is the social security number ending in **** yours? I flipped. As a victim of identity theft I couldn’t believe that this guy has willingly given me the last four digits of this woman’s social security number, not to mention I have her name!
Absurd. I am all for debt collection, but do it smart and fair! Stupidity runs amuck!
I’m just about to finish up paying with Midland Credit Management. I’m nervous because I want to make sure that I get that letter. I did not settle with them, but paid in full. The payments are automatically taken out. The last payment is October 15, 2010 and I want to make sure they do not come back in 5, 13, 20 years from now saying I owe on this account, even if it has been paid in full. I know they are supposed to send me a letter stating that the account as been paid in full, but how do I guarantee it?
Please advise?
Rachel
Rachel,
Thanks for your comment. You will not like what we are about to reply to you. We are sorry to read that you paid MCM in full. They are one of the worst CAs in the country. They are very corrupt and somehow convinced you to pay them.
We do have advice pertaining to MCM and your situation. If you would like more advice regarding MCM, you can sign in on our website either for a 15 minute analysis or a one hour counseling regarding MCM and what to do next.
~Next Level Credit~
How can midland get your bank account if they don’t have the # or routing #. I don’t understand that.
Scott,
Thanks for your comment. We don’t know how Midland acquired your bank info.
~Next Level Credit~
I have asked Midland not to phone my home or office but they persist saying they never recieved my certified letters. I have an Az address and a PA address letters were sent to both is there some where else I should be sending this letter?
Also this so called debt was settled. But they persist in saying I owe them $1700. How do I stop this dispicable company?
Please help me
Any advice is apperciated
PJ
My wife got a letter from MCM a while back stating that we could settle an old Gordon’s Jewelry Card for $2250 that now (after all of their interest) was $3800. I told her to call them and say we will pay $2000 to take care of it. They said the original deal had expired and that now we had to pay $3000 to have it taken off. So I called and talked to a rude butthole who sounded like he was about 17 years old. I explained to him how I was willing to pay them $2000 to take care of it but by law I really dont owe them anything because I never signed any kind of contract with them in regards to the debt on my wife’s card. He then offered up to send me a V.O.D. letter but stated that if he did then they could no longer offer me any kind of deals and I would have to pay the $3800 in full. I got into an arguement with him and told him he could have 2000 or 0 and hung up. Then I called back a few hours later and spoke an Indian dude who barely spoke english and he told me I could settle the debt for $2000 if I did it over the phone right then with a credit card. I told him no, I would need a letter first stating that $2000 would clear the debt. He said that if he sent a letter he couldn’t offer me that deal and that I would have to pay $2800 to clear it. I told him to send the letter saying if I paid $2000 it was clear and I would cut a check that day…then he proceeded to tell me I didn’t want to take care of the debt (eventhough I was the one that called him…lol) and that I owed the $3800 in full. I just want to take care of this and get it off my credit report. This seems impossible after reading all of these posts ….and I’m not interested in hiring a debt settlement company because I want to handle this on my own….what do I do?
Well, I owe WALMART a couple hundred, that I dont dispute and I was contacted by MCM via letter, saying ” We have a great offer for our new customers ” , I have been searching for this company’s line of ligitamacy and amidsts everyone’s complaints I realized the company seems to be real.
I called them and asked for my conversation not to be recorded, mostly understood the rep.’s form of english, he disclosed however, MCM buys our accounts from GE Money bank, only if we dont pay then we get reported to the credit report people.
(Im sure this is some form of black mail) , why do our leaders allow us to be treated like dogs but these Credit report people.
Good luck, in your evdevours and please pray for me in mine
I keep getting phone calls for my mother, who does not even live in this state! I have no idea how they even got MY phone number as she has been living in Alaska for the past 22 years and we are now in NC. I know she has paid on this debt, actually twice now. Once with the actual company and the other time with the first collection agency. This “debt” is now 10-12 years old. I have asked them not to call my house, but they keep calling. What can we do about this?
PJ,
Thanks for your comment. We assume this is a VOD letter that you mailed. As far as we know, that should work for those locations.
You have not given enough info here to advise what you HAVE or HAVE NOT done. Therefore, if you want help, advice, assistance and what to do regarding MIDLAND, then please sign in for an hour session on our ABOUT US page.
~Next Level Credit~
Heather, Thanks for your comment. CAs use skip tracing sites. Paid twice? This is SOL. You have to write a letter. See SOL letter on my site.
If you want more advice about MIDLAND and what to do – then you need to sign in for 15 minute analysis or one hour session about MIDLAND advice. We can send the letter for you too.
~Next Level Credit~
Mike,
Thanks for your comment. There is a lot you do not understand about MCM. STOP talking to MCM. DO NOT PAY MCM!!!
Please read our ABOUT US page. We are not a debt settlement company (if that was implied). Do not settle this debt. You have options. You can handle this on your own.
First, I suggest you have a 15 min analysis with us. OR more extensive one hour session regarding MCM with us.
~Next Level Credit~
Heather,
Thanks for your comment. CAs use skip tracing sites. Paid twice? This is SOL. You have to write a letter. See SOL letter on our site.
If you want more advice about MIDLAND and what to do – then you need to sign in for 15 minute analysis or one hour session about MIDLAND advice. See our ABOUT US page for more details. We can send the letter for you too.
~Next Level Credit~
Hi,
I have been getting calls from Midland Credit Management over the past couple of weeks. They called from an unknown number, so I did not answer. Someone, who sounds like he is from India, left a message with a call back number and said it was a debt I owed on a credit card. I have not had a credit card since 2001. I was planning to call them back and make a settlement until I came across this website. I do not want them to start garnishing my wages. Times are hard and I just started working. What can I do to protect myself?
LTA,
Thanks for your comment. Tell MCM to send you a letter and then write back to them. Use one of our letters – SOL – and that should work. See letter on our site – SOL letter.
If you want advice about MCM and have more questions, sign in for an analysis either 15 min free or one hour session (ABOUT US PAGE).
~Next Level Credit~
They just popped up on my credit report. Reported all kinds of different information. My score droped almost 100 points. I made the mistake of calling them and faxing them without being organized. Now they have sent me letters demanding payment after I disputed on the phone and fax. They listed a current date and reported that I was 30 days late. Not sure what to do now. just sent letters to credit bureaus.
I also found and amusing way of pestering them. If you have three way calling. Just call their number 1-800-825-8131 click your phone and call them again. Put their number in your speed dial. when the second call finishes with the message and you have options choose talk to rep. (option #2) then chose english (option#1) click to merge the calls then click 2 and then 1. Place you phone on mute and listen to how confused they are about getting an account number from each other. Also use your *67 in front of their number to have your number show up restricted. LOTS OF FUN. You will have to practice with your three way and speed dial to get it just right.
Dirty scum bags. Pass this on and keep their phone lines busy!!!!!
Anonymous,
Thanks for your comment. Stop talking to Midland immediately. Do not pay Midland!
You write: “Not sure what to do now” ….. set a 15 min appt with us and we will tell you what to do next. Go to our home page now and sign in your info.
The letters to the C/B are not going to help at this point. That is for later. We will discuss that too.
~Next Level Credit~
Hello, I too have received a summons from Midland Funding on behalf of an attorney located in my state. The Summons had an account # on it and the Original Creditor with an amount to pay. I am at a loss on whether this is actually my account. I know I have had some credit card problems before, but if they are suing me, shouldn’t they provide proof of that debt? I was served on Nov. 12th and I am do in court on Dec. 6th! I am married with a son, and my wife is working part-time. I am STILL looking for a job after being laid off for almost two years. I don’t know what to do cause we have ABSOLUTELY NO MONEY to our name to afford legal service from an attorney. I have to file a written answer or show up in court according to the summons. Any idea on what I should do??? Thanks in advance for reading this.
Michael,
Thank you for your comment. Yes you need to file an Answer/Affirmative Defenses as soon as possible to the court. Make sure it is indeed an official case and call your clerk to check this. The burden of proof is on the plaintiff.
Go to our “HOW TO ANSWER SUMMONS” on our site. And order that for the court case.
If you would like more advice about this situation, you will need to schedule a one hour session with us. Please go the ABOUT US page and sign in there.
~Next Level Credit~
I have a Verizon debt of $205.11 that I want to pay off (and want to get it off my credit report). MCM wants me to “settle it for $123.07. After researching MCM I do not want to give them any of my information. Can I just contact Verizon and pay them still? If they send me confirmation of payment then I can send a copy of that to MCM and tell them to stop hounding me.
Thank you!
Eric,
Thanks for your comment. Call Verizon and try to pay them. Most likely Verizon will not take your payment. But you can get MCM off your back. Do not talk to MCM anymore! Do not pay MCM!
Send them a VOD letter, see our site tab “validation” for our letter. That will work for you. If you have more questions about MCM, sign in for a 15 minute analysis with us on our home page.
~Next Level Credit~
I’m in Mississippi and can’t find much info for my state. I received a summons and complaint from Midland Funding on November 20. I answered the summons within the time frame and sent a VL to them and the court. I received a pre trial court date from the county and only received the original creditors name and address from Midland’s laywer. So, two weeks later I sent the 2nd VL and have had no response from the lawyer. Today was the court date in Civil Court and I showed up prepared. The Midland lawyer did not show up. Midland had made no responses, no motions or anything. The judge moved my case to a newly created county court. Now I awaiting another trial date. There wasn’t an affidavit attached to the complaint and no proof has be sent to me that I owe them and the OC is still taking my payments! Can I send discoveries? What do I do now to get this case over with? By the way, there were at least three other Midland cases on the docket today. wow…
I just recieved a call from these scam artist over a credit card I paid off over 7 years ago requesting 257.00 to pay it off the foriegner on the phone did not like it when i kept demanding proof i owed it she just kept repeating just send us the money, saying over and over again paying with credit card or check by phone when I told her I don’t pay bills either way. she said just wire them the money without some more information on an account I paid off 7yrs ago. We’ll I might of been born at night but it was’t last night.
Dina,
Thanks for your comment. We do not understand all of what you are dealing with in the court procedure. We do not know how or what you wrote in your Answer. We do believe that you should have had this dismissed IF you had the correct information.
Since the Midland people did not show up – this should have been thrown out of court in our opinion. You are paying the OC?
To answer you – what do I do now? We can talk for 15 min if you want an analysis. Go to our home page and sign in.
~Next Level Credit~
My situationis that i went to the bank to buy a home and it appears a midland collection balance from original
Creditor bank of america. I called the bank and they said that it was open on 2003 and the account was sold to midland
On june 2009 6 years later. I asked them if i have a debt with them and they answer no. Then i called midland and they can not provide info because they pass the account on december 2010 to another collector agency. Iasked them if i owed them money and they answer no, but it appears on my credit on midland name a debt of 18,960 that is the only problem to buy my home. What can i do? Can they send me something to prove i dont owe them?
Karla,
Thanks for your comment. This account has expired and it is SOL qualified. You can get that off your credit report and writing to the CRAs to remove. It will take time – or get someone to do it for you.
Yes you can write to Midland and tell them to send you a letter that you do not owe them and also tell them to remove it from your reports.
You can threaten to sue the CRAs for inaccurate reporting too. Hope that helps.
NEVER pay any collection agency!
~Next Level Credit~
My daughter has been getting phone calls from MCM; several a day for the last two weeks. They are asking for someone that is not her; it is actually a friend of hers. She has told them repeatedly that this is not her friend’s number. They asked her for the friend’s number and she refused to give it to them without further information as to what it is all about. They refused to provide her with any more information, saying they couldn’t release that information to her since it didn’t concern her. However, they continue to call her sometimes five to six times a day! The number always comes up “unknown” so she can’t even block it! Any suggestions as to what she can do to stop these harrassing calls that have nothing to do with her? By the way, she has talked to her friend and she has sworn that she never gave out her number! Any help would be very much appreciated.
Judy,
Thanks for your comment.
Tell your daughter next time MCM calls – give MCM the friends phone number and the friend can talk to MCM and deal with MCM.
We strongly advise that friend to contact us ASAP.
~Next Level Credit~
MIDLAND’S MASKED CALLER ID IS “1 UNAVAILABLE.” I have been harassed by these people for four months, ever since I moved and was assigned another number by AT&T that obviously belonged to a debtor they were harassing. They were calling every day, sometimes several times a day. If I picked up to answer, nobody was there. If I let it go to message, no message was ever left. I picked up whenever I was home, hoping to find out who this is. FINALLY, today, I picked up and the caller, who was obviously a debt collector, finally identified himself as being with “MCM.” I got on the internet and found out that “MCM” is Midland. These people are notorious. There are law firms on the internet advertising for clients to sue them. I am doing everything I can, leaving messages on websites like this, to get the word out that “1 UNAVAILABLE” is Midland. I got their full name and number on the internet and after several tries talking to obnoxious people I stumbled on a woman who actually was nice and claims to have removed my number from their call lists. She said my number was connected to FOUR different people they were trying to collect from. If you are being harassed by these people, sue them and kick their asses. They are evil. And I’m not even a debtor.
Hi I have 4 accounts listed with MCM 2 credit card and 2 cell phones from Verizon wireless. I now the credit cards are considered open accounts and to SOL has expired on them, but what about Verizon wireless, is this an open, installment written etc. I need to 2 know I can check the SOL. Also MCM has been trying to collect on these accounts for some time now, can I still asked for a VOL. I heard you only have 30 days to ask for one after creditor fist contact you about the debt.
I received a letter about two months ago, claiming I owed around 2k in debt, and offering on a way to pay only a portion of it to clear it up. I have never taken out a credit card, or loans, to be in debt for something. So I payed no attention, then a month a go I received another letter saying I owed around $700, and once again offering a way to only pay a portion. I know for a fact that I have no debt whatsoever, but I am a bit afraid of what might happen to my credit. I am still in college and only 19 years of age.
Overwhelmed,
Thanks for your comment. Depending on your state of residence, you may be outside of SOL. Yes you have 30 days to respond to the collection letter.
~Next Level Credit~
Esteban
Thanks for your comment. Are these 2 different letters from 2 different companies regarding 2 different accounts? 2K and 700
Someone may have stolen your ID. You will have to challenge this regardless of ID theft. Sign in for a 15 min analysis with us to chat…ON OUR HOME PAGE.
~Next Level Credit~
I need your help! I also have a debt with MCM showing up on my report. I try to call and talk to someone and all they do is transfer me to someones voice mail or they hang up on me. I am getting no where! any suggestions?
Lisa,
Thanks for your comment.
Sign in for an analysis with us for advice regarding MCM. STOP TALKING TO MCM!
~Next Level Credit~
I have been reading all the different comments, but still not sure how to approve this. My dad received a MCM collection letter on March 31 stating that he owes HSBC Bank. He never applied for this card, and no record on the his credit report. I’m not sure where they got the record that he owes that amount. I don’t want them to ruin his credit. Please help. Thank you.
Ida,
Thanks for your comment. You have to challenge MCM even if it is not your fathers account.
Set up a free 15 min analysis with us asap. Go to our home page and fill in the form.
~Next Level Credit~
I have been getting calls from Midland. I received a letter in Feb 2011 written in Spanish (I think) the only thing in english is my name and MRS /Midland Funding address out of Cherry Hill NJ. It looks like it is stating that I owe $1519.83 but I have no idea to whom it is owed. Everything else is in a foreign language. I question if this is my debt. Would you suggest that I send out a VOD letter? Thank you so much for this helpful website!
Elizabeth,
Thanks for your comment. I have no idea why Spanish.
Since you cannot read it? Why don’t you call Midland and ask for English then research it.
Sign in on our home page for a free quick analysis on what you can do next.
Glad the site is helping you.
~Next Level Credit~
I have received a letter from Midland from an old account dating back to 2004. I believe it has already fallen off my credit report. When i just checked my credit report, I notice that Midland opened the account starting this year. What should I do to have that fixed? Are they allowed to do that?
Thank you,
Michelle
Michelle,
Thanks for your comment. Go to our home page and we will give you advice regarding Midland. Sign in your name, number and BEST TIME 9-5 EST.
No they are not allowed to do that.
~Next Level Credit~
I recieved a court notice of a request for execution or garnishment. It states the judgement was filed back on 11/17/2008
I never recieved a summons to appear in court. I looked on the state court records an it shows Midland Funding LLC had been trying to garnish my bank account that I no longer have an to garnish my former employees that I have not workd for in years. How do i handle this. The law firm is Kramer an Frank PC
About this time last year my parents were recieving random calls from this midland credit management asking for me and to only talk to me I didn’t know who or what it was and they never would give them any information or names so I did not call them back. I am very young but responcible for my age. I actually had absolutly no credit up until last year when i recieved my first credit card through ym personal bank. i always pay in full and on time. I also a few months ago opened one other credit card to victorias secret which i barely use and whne i do i also pay it in full. I have no balances on anything and I am only 21. Today i recieved a bill that was mailed to my parents address from midland credit management stating that I owe $866.34 and gives barely any other information other than the original creditor was supposedly GE money bank. I have NEVEr done business with them. This worries me because I wonder if someone has stolen my identity or they just have the wrong person? I do have a VERY common first middle and last name and this is what is worrying me. They also never sent me a letter explaining that i owe them money they have only sent me a bill. does this sound fishy to you?
Francine,
Thanks for your comment. Sounds like improper service (never served) and you can get this vacated. However, you may have only 3 years to do that depending where you live.
Ask your court clerk (some are smarter than others) when the date of judgment rendered. 2008? And then you will need to know how many years does your state allow to get it vacated for improper service.
You should get that dismissed. Can you prove that you were never served? That would help.
Then you can get that off your report.
~Next Level Credit~
Sarah,
Thanks for your comment. MCM sent you a collection letter regarding GE Money Bank for 866 ?
Sounds like ID theft. You still have to challenge it. This happens a lot.
Go to our home page and sign in…for advice.
~Next Level Credit~
We have been receiving letters from MCM for over a year – same last name, but first name is neither mine nor my husband’s. We moved last year and they now send letters to our new address and call periodically. It seems totally bogus since they don’t have the personal information correct and we know that we don’t owe them anything. I have repeatedly told them on the phone that this person does not exist and not to call back, but they continue to. How do I get them to stop? It definitely feels like harassment.
Katie,
Thanks for your comment. Over a year! May be ID theft. This is common. Regardless, you can stop it.
Go to our home page and sign in your name, number and best time EST to reach you and we will give you a quick analysis.
~Next Level Credit~
Hi, Well, my case is kinda complicated, I had a credit card debt from citi bank and the last transaction on that account was back in may 2007, I think 2 years later the account was sold to midland funding and I have received a letter from them saying that they bought the account and want me to pay them in full, but I was broke so didnt even think about paying them the full amount of $17,500 so then I ignored it and never hear from them since, not even a phone call, but last Oct. i was sued by them for the money they said i owed, I then search online and filed an answer of general denial right back and again, never hear from them since. few days after i file the answer to court, I mailed them for validation of the debt and have certified the mail. I didnt mail it directly to Midland but the law office representing them that was on the summon.
Now, its been 9 months passed, and I have no idea what to do next. but the SOL was expired since the last transaction of the account was back in may 07.
how do I have them delete the record on my credit report for all 3 credit bureau and to dismiss the case from court. Thanks!!
Jason,
Thanks for your comment. This is difficult to understand in your posting. You state court procedure and then state credit report issues. We do not understand what your question is and what you are trying to do.
Sign in for an analysis for more advice and what to do next. Go to our home page and put in your info TODAY.
~Next Level Credit~
I am looking on my credit report and notice that Midland Funding has received a judgment for a Aspire Visa credit card, this amount is invalid, I really don’t remember using this card. I haven’t received anything about garnishment or anything like that not severe as some of the other comments that i have been reading. What i do want to know is how can i fight this judgment that they have placed on my credit report. The amount that they supposedly have a judgment for is not the same amount that they originally sent me letter about. What can i do?
These worthless ******* are trying to collect a debt from me that is not even mine. I have a very common name, but the middle initial of the debtor is clearly different from my middle initial. They have obviously done no due diligence in tying me to the debt. The last straw was them contacting me at 9am on a Sunday morning from India to try to collect the debt. I really hoped they would correct their mistake and the problem would go away, but that obviously is not going to happen. I consider it harassment at this point and am prepared to escalate the situation, much as I had hoped to avoid doing so.
Daniel,
Thanks for your comment.
Even though not your name, you still have to challenge it.
Sign in for an analysis with us on our home page. We will advise you what you need to do.
~Next Level Credit~
Eway,
Thanks for your comment.
Midland has a judgment against you? Were you officially served? If not get the judgment vacated. If so there is nothing you can do if you never filed an Answer you are stuck with a default judgment. The amount may be inflated.
~Next Level Credit~
I feel so stupid. I had a default judgement for about 2yrs now from midland. I pay them every month through their collection Attorney Pollack and Rosen and they direct debit my checking account. I was so afraid they will garnish my wages after the judgement I agreed to the payment plan of the outrageous balance which increased double after court cost. They also have another account Target which I had an arrangement with them but stop paying. I am scared they will do another judgement. I can’t send VOD on the Target account because I paid on arrangements I set up with them so I basically acknowledged that I owe the debt. The call me everyday about Target. I recently started to learrn about all the things I have done wrong with MCM. Also I received an letter asking me to join a class action lawsuit against them about 4mths ago. I just can’t believe I fell for their tricks and now I am paying.
I have been trying to get another car so my credit has been pulled recently and to my surprise, my score has dropped considerably since February. I had some issues with identity theft a few years ago and it’s been a major source of frustration trying to get things taken off my credit that are bogus, but my credit wasn’t horrific until now.
I pulled all three of my reports and saw Midland Credit Management on my reports not once, but twice – two different account numbers (although the first 6 numbers are the same, followed by XXXX) with different amounts. One is $606 and one is $1092 – have no idea what these supposed debts are, there is no original creditor is listed nor is there any payment information. What’s even more interesting is that it says these accounts were opened in 9/2009, yet the date of original delinquency is 5/2008! How could I be delinquent on accounts that hadn’t even been opened yet? Not to mention, I did not open any accounts from 2008 forward, aside from my car earlier this year.
I have disputed these items (along with many others) and I’m hoping for the best but I have a feeling I’m going to be in for a fight. What a mess…
I was contacted 10-18-2011 for the first time and then today 10-19-2011. Very harsh sounding guy, spoke good english. What was weird was he called on my cell phone, to collect a debt for my wife. How did he get a my cell number? which i got just 4 months ago? the debt he is claiming is 3 years old. I gave him no info, agreed to nothing and when he called the second time i told him that the person he is trying to reach is not at this number. After all she has her own cell. Yes we are still married. I did not even let him get to tell me how much the debt was for or from who, should i have not done that?
Thanks for all the info on this site. Lee
I need help. These liars have sent me threats to take me to court over a bank account that I never had!!!!!! I have been unemployed and a victim of violence recently and so depressed, I am an inch away from ending all this bullshit!!!! WHY CANT THEY GO TO JAIL?!!!! WHY AM I BEING THREATENED FOR SOMETHING I NEVER DID?
I have been called 3 times now from this company MCM and all 3 times they have refused to send me information showing I owe this debt, the person that calls is NOT from this country though he says his name is Brad, they claim I owe $7000+ on a bank of america account but the only account I had for bank of america was back in 2003 and the account was for $1000 dollars, he got very upset when i refused to give him my bank card info and seemed toi stutter when myt partner who used to be a bill collector asked for proof that i owed this bill and when she informed him that the Statute of Limitations was up in this state his responce was “then i’ll mark this as a refusal to pay” and hung up, Does anyone know of a good lawyer who can go after this company? they are completely ignoring FDCL.
TO WHOM IT MAY CONCERN,
THIS PLACE IS NOT WHO THEY SAY…THIS CHARGE IS FOR CITIBANK ONLY!!! I DO NOT OWE THIS PLACE ANYTHING…SHAME ON THEM IF THEY BOUGHT THIS DEBT OF MINE, CAZ IF I EVER GET THE MONEY TO PAY. IT WILL BE TO CITIBANK…
Lee,
Thanks for your comment. Modern techonolgy – you can find most cell numbers.
You will have to deal with it sooner or later and NOT pay them.
Sign in for a free analysis on our home page to tell you what to do.
~Next Level Credit~
Desperate,
Thanks for your comment. Why don’t we talk? You CAN fix this on your own regardless if the bank account is yours or not.
Go to our home page and sign in and put a specific daytime EST when we can call you.
We tried to email you but there was an error…so hopefully you will see this posting.
~Next Level Credit~
Sherry
Thanks for your comment. We will post a reply shortly.
Find a lawyer in your state who sues CAs for violations.
~Next Level Credit~
I received a summon from Midland Funding LLC c/o Bowman Henitz Boscia & Vician P.C. AAAAAGH!! I ignored all the letters from them. This is an old debt it was opened in October 2006 and last payment was 06/2008. How do I handle this? I was a college student and lost my job a long time ago. Can someone please help me on how to deal with this in Indiana?
I called them to try and settle a debt…. They hung on me several times and switched me to a supervisors mailbox that was to full to leave a message…I gotta say though…It felt good to harrass them like they harrassed me.. And I guess they will not get a payment since they can’t answer any of my questions.
My second attempt to leave a comment…. I called this ppl to find out what I owed and how much, they said they outsourced it to some other company and could not answer any of my questions then hung up on me.. I called back several times and each time got hung up on. Then they transfer me to a supervisors mailbox that was full. They don’t let you talk w/o interupting and I called them!!! Needless to say they will not get a dime of my money. I will wait till the satatue of limitations wears out and disputeit with the credit bureas.
We received a statement from MCM stating we owed Chase over $8k and if we didn’t respond by 12/22/11 they would forward to an attorney. The back of the statement says that MCM bought the debt from Chase. While we did owe Chase around 3K, that debt was charged off in July of 2009. They’ve also done a hard inquiry on our credit reports (as if we needed another ding). How do I stop this? By the way, I’m in Georgia
Summon from Midland,
Thanks for your comment. We know Bowman law firm well. You can beat them.
Use this:
http://nextlevelunlimited.net/answer-summons.php
DEFENSE GUIDE ASAP.
~Next Level Credit~
My partner had bipolar disorder ordered phones for people from T-Mobile using my contact information shortly before he was hospitalized. Sadly, his illness go the best of him and he committed suicide in May of 2010. We also had two other accounts with them and since he did the bills I am not sure what he did or paid. I recently received a call from Midland who had an old address and said I owed around $ 800. I am honestly not sure if I owe this or not. I did not give them my address or any information except confirmed the last four digits of my social security number. I told them that I would have an attorney contact them and I have a pre-paid attorney filling out the Verification of Debt. If they can produce a contract with my signature then I will know its my account and will settle with them (with the help of my attorney after reading some of your posts). If they cannot produce a contract (which I understand is not required) then I hope they don’t tack on a bunch of legal fees and sue me only to show up in court with a contract. If its my signature in his writing (our marriage isn’t recognized in Arizona) then I will probably not settle and take my chances in court.
Thanks for everyone’s stories. If it will be helpful, I can keep everyone posted!
Receiving phone calls saying I owe $260.00 from a loan in 2001. In 2001, I was 11 years old. I never lived in maine. This guy had my SSN and began raising his voice at me. He wanted proof I never lived there. Ideas?
Me myself and I
Thanks for your comment. Stop talking to Midland and do not pay them a dime of your money. Do you have a letter from Midland? Why are you calling them?
Do not answer here.
If you want advice, sign in for an analysis on our home page Mon-Fri 9-5 EST.
~Next Level Credit~
Sick of this,
Thanks for your comment. Great you are in GA. We may be able to tell you how to stop this. We need more information in order to give you a solution.
Go to our home page and sign in for a quick analysis Mon-Fri 9-5 EST.
~Next Level Credit~
Widower in AZ,
Thanks for your comment. We have since spoken on the phone.
We are sorry for your loss.
Let’s talk asap about Midland.
No you do NOT owe Midland. Do NOT talk to Midland and talk to us.
Your atty does not understand (possibly) that you do NOT owe Midland.
Go to our home page and sign in for an analysis and let us clarify.
We may be able to help you NOT get sued.
~Next Level Credit~
Joshua
Thanks for your comment. Midland is grasping for such a low amount. Sounds like it is not yours. However it still needs to be handled and have them go away. You will need to challenge Midland.
Sign in for an analysis with us for tomorrow. Go to our home page.
~Next Level Credit~
I opened a credit card account with BoA in 2005 and when i lost my job in 2008 I stopped paying on it and unfortunately the closed my account. My last payment was Aug, 2008. I have received a summons from MCM on Dec. 4th (earlier this month) and I am just now finding this website about much needed info. I live in Georgia so I believe the SOL are 4 years for credit card debt so I am not in the clear for that. So, my question is, I know the debt is mine but, where do I go from here? Do I answer the summons saying that it is mine and I will pay or not? I am so confused and i have so little time to figure it out because I have to respond by Jan. 4th. If I do pay MCM the $1500 even thought the original credit card was only $500 (BoA has some serious fees) how will that look on my credit? Please help….ARGH!
I just received a letter from mcm to pony up. Wish I could but I can’t at the moment. I’m not sure if the amount of money they asking is correct or not. Chase sold it to them. I was trying to pay them (Chase) as much as I could to the end, but eventually it was less than minimum and Chase sold it to mcm. Now what I’m reading about mcm is pretty scary. What should I do, to make sure that the process of repayment through them is as smooth as possible. Thx for your time.
Today I received a letter for a bill of $700.00 from a old credit card company. I called them and I verified it was a debt that i did owe and I asked them if we can work together to pay this off in payment arrangements. The man told me either I pay 300 upfront first or i will be taken to court. Hey gave me less than a month to come up with the money for the down payment and This is the first letter I have received from the mgm company. No calls, No letter until today when it basically told me pony up or get sued.
MB
Thanks for your comment.
Use THE DEFENSE GUIDE to file your Answer and Affirmative Defenses.
http://nextlevelunlimited.net/answer-summons.php
~Next Level Credit~
MK,
Thanks for your comment.
DO NOT PAY MCM. You will have to challenge them.
Go to our home page and fill in form and we will call you and tell you how to do this. Mon-Fri 9-5 EST.
~Next Level Credit~
Cory,
Thanks for your comment.
DO NOT PAY MCM A DIME!!! You will have to challenge them.
Go to our home page and fill in form and we will call you between Mon-Fri 9-5 EST
~Next Level Credit~
I have arranged payment plans with MCM three times about dates at which they can take money out of my bank account. All three times, they have taken amounts that we did NOT agree on, on dates that we did NOT agree on either. All three times, they have coincidentally taken out enough money to bounce my bank account with, and have attempted to continue to write checks on. I have called them over and over again about this issue, and to pay my bank account with their mistake, and all I end up getting at the end of each argument is a guy from India cussing me out about being a “low-life” that doesn’t know how to live in America…WTH?! I was finally able to talk with some lady from the United States about cancelling future payment plans, but they still won’t put up the money to pay off their bounced check fees. What can I do? Please help!
Ria,
Thanks for your comment. Never give ANY collector your banking info.
CLOSE YOUR ACCOUNT IMMEDIATELY ! TODAY !
Sign up for an analysis to talk to us ASAP to fix this and get MCM to back off. Go to our home page and sign in for Mon-Fri 9-5 EST today.
~Next Level Credit~
I just received a phone call at 8 a.m. EST from MCM and an Indian guy was on the other line. He called my cell phone (which I just changed my #) and asked for me. I told him it wasn’t me. I’m so glad I had a chance to Google this company and came across this website. I know they will call back. What do I do when they call me back because I am in a lot of debt right now and I’m afraid they will get my new bank information and varnish my wages. These stories are scaring me. What should I do when they call me back? All advice is appreciated. Thank you!
I opened a Wal-Mart credit card some years ago (not sure if the SOL is up or not at this point) and ended up defaulting. I have received no letters from MCM until I was served a complaint filed by Midland Funding LLC ( I am assuming these are the same as MCM) with my county’s civil court stating that I owe a similar amount to what I owed on the credit card. The complaint states that I must reply in writing to the court clerk within 14 days of the date the complaint was filed, either admitting or denying the allegation. My questions are these: 1. Should I admit or deny the allegation if I haven’t received any previous notification of a debt owed to Midland? 2. What would be the best way to determine the actual date the SOL began running? I do not have the original signed contract or the dates on which the account became delinquent. Which does the SOL go by? 3. Will filing chapter 7 bankruptcy keep them from garnishing wages? Thanks in advance!
Michi,
Thanks for your comment. DO NOT TALK TO MCM and do not pay mcm!
Let’s talk about your situation with your debt.
MCM cannot garnish unless you have a judgment.
Sign in to our home page and sign in name number and let’s Monday-Friday 9-5 EST. ASAP!
~Next Level Credit~
Alisa,
Thanks for your comment.
14 days seem short to file an Answer and Affirmative Defenses. But true.
#1Deny
#2Forget about SOL – hard to defend in court
Use the DEFENSE GUIDE – DO IT YOURSELF
http://nextlevelunlimited.net/answer-summons.php
#3 Why bk ???
Let’s talk about your other collections ASAP so you can understand you may not have to do BK.
~Next Level Credit~
This company has been harrassing me at work and calling family members. I have asked again and again for documentation and they keep calling at all hours of the day. I work in a medical facility and CANNOT be interrupted constantly to take these calls due to the sensitivity of my work. I have told them to NOT CALL ME AT WORK. They have even gone as far to call my EX sister in law, and I couldn’t imagine how in the heck they got Her phone number. This has got to stop. The debt (I think) they are calling about no longer exists and I’ll be damned if they are getting any personal information from me!
My boyfriend starting recieving their collection letters almost a yr or so ago to collect on a debt that is like 7 yrs old for a tv he doesnt even own anymore. He still owes over a $1000 to the non-english speaking morons who seem to not care what time of day they call nor does the one who calls you today have a clue about what you told the one the day before! Apparently nothing is kept on file….they keep asking the same questions & will call 5x’s a day and a different person will ask you again. He was unemployed for a few months this past summer and had to tell them every day for about a week that he had no money comming in and paying his electric was more important then their $100 every 2 weeks. We had never even heard of them until the letter came which looks exactly like the one shown above. At first we thought it was a scam by now he’s hoping to eventually just pay them off to get them out of his hair. they now take $50 out of his bank accout automatically every 2wks, but I have kept & will comtinue to keep all of their collection letters and bank statments proving the withdraws. Is their anything we should be aware of and is their anything were doing wrong? And why is it such a rush to have to be paid now? Why cant it just be put off for another year, besides it was put off for over 7 already. Thanks!
Donna,
Thanks for your comment.
Let’s have an analysis asap! You will have to respond to make the calls stop.
Are you receiving letters?
Go to the home page and sign in to talk between Monday-Friday 9-5 EST
~Next Level Credit~
Brittany
Thanks for your comment.
Let’s talk ASAP! You need to challenge MCM. Stop talking to them.
STOP PAYING ! Change the bank account number today! You do not need to pay MCM. You can stop them!
~Next Level Credit~
Go to my home page and sign in for an analysis to talk between Mon-Fri 9-5 EST.
I had these people call me at my work today. I don’t know how they got the phone number. A Indian guy named James asked if I was there and I asked who was calling. Then he hung up on me. I looked up the number online and called them back. I was not happy.I asked for James and they would not transfer me to him. Long story short he tried to get information out of me and told me I owed them over 6,000 dollars. I told them not to call my work again or I will get my lawyer involved. After I told him that because of the statute of limitations I don’t owe you nothing. He was very quick to get off the phone with me. I have not received any phone calls at home nor any letters in the mail. What should be my next step?
Jeff
Thanks for your comment. You need to challenge MCM. MCM will call again and/or send letters to you regardless of SOL.
Go to our home page and sign in for an analysis to talk between Mon-Fri 9-5 EST.
~Next Level Credit~
I received a phone call from them at around 6:30 today 2/26/12, they were calling about an account that dell themselves had voided because it was fraudulent and even sent me a letter saying this. I have never heard of them before today and didnt find out the amount they are claiming either, The only thing they seem to know is my phone number (not sure how they have it) and the state I live in and the only address they have on hand is one from over seven years ago and I had moved out of before the fraudulent account was open. After reading many posts on this board I am worried they are going to try to garnish my wages or my bank account I do not like the idea of sending them anything with more personal information then I already have seeing as all evidence on this blog point towards obvious fraud on their behalf any ideas would be greatly appreciated
Matt
Thanks for your comment. MCM has to send you a letter. You cannot be garnished unless you have a judgment and you are far from that. However, this could get worse unless you handle it.
We can have an analysis today. Sign in on our home page and choose time to talk between Mon-Fri 9-5 EST.
We will tell you what to do next.
~Next Level Credit~
I have a slightly different situation w/ these folks. I had to file a complaint to my attorney general’s office in 2009 because they refused to believe that I was not who they were looking for! They went as far as to curse at me over the phone and refused to give me their name, or on behalf of whom they were calling. As a last ditch effort, the last time they called I pretended to be who they were asking for and asked them for a mailing address. I hope they get taken down for what they did to me! They constantly called me at all hours of the day, for someone I knew nothing of! I hope THEY get sued in turn of suing others!
I received letters in the mail stating I was abount to be sued and or garnished. It is in my mother’s name. How do I proceed?I do not wish to have police coming to serve me for a debt I know nothing about and who this company is. I just decided to look them up on the computer and was stunned to see what is really going on; yet some papers have been filed with the courts and I need to know how to handle this. My mother has been deceased since 2006. Please help! I have other financial problems going on rught now. Thank you, Anita
I just got off the phone with these people – they’re collecting on a debt a family member took out in 2008 in my name. After saying I was more than happy to pay the 300 dollar original debt amount several times, they told me that if I didn’t pay the percentage OF 3800 DOLLARS they were offering, they’d mark it as refusal of debt. THEN THEY HUNG UP ON ME. Called the main number I found online and the person I spoke with forwarded me back to the man that hung up on me, even though I stated all of the concerns I had with my previous call. Seriously? This is ridiculous.
Anita
Thanks for your comment.
The letters state your mother is about to be sued ? Not you. This is not clear. And NO you are not about to be sued.
First of all, if the person is deceased, there is no debt and the family is not responsible for paying it unless it is a spouse name on the card.
Also if some papers are filed with the court in your mothers name then you can get this dismissed.
Some of your comment is not clear and we are not able to email back and forth, so you can fill in the form on my homepage for an analysis and a time mom-fri 9-5 sat 9-12 EST.
~Next Level Credit~
Tara,
Thanks for your comment. Too old to collect on and probably falls under SOL.
DO NOT PAY DO NOT SETTLE DO NOT TALK TO MCM
However you will need to challenge them and make MCM go away and this alleged account will be sold over and over again for quite some time.
Let’s have an analysis asap between Mon-Fri 9-5 EST and Sat 9-12. Go to our home page and sign in.
~Next Level Credit~
Hi I have been monitoring my credit since the start of the year, I notice MCM has a charge from T-Mobile twice for the same amount on my account. Calling or answering the phone does no good, No one can explain it or remove one of the accounts, I refuse to pay twice for the same bill. Is there any way i can pay directly to T-Mobile. I need help thanks.
Forgot to add i was also a victim of and online job scam. The idea was to do online documentation and the sent you money orders and you deposit them. Like a dummy I did so needless to say there were a fraud and the bank charged my credit for. How do I dispute this off my credit .
Israel,
Thanks for your comment. MCM is famous for double posting.
If MCM is currently calling and trying to collect THEN we need to talk.
No there is no way to pay T mobile. We have clients going through the exact same situation with tmobile and MCM.
Go to our home page and sign in for analysis to talk between Mon-Fri 9-5 EST ASAP.
~Next Level Credit~
About 2 months ago, in an effort to clear up my past debt so I can buy a house – I paid off two open accounts with MCM. In both cases I received an offer from them, promising that my account would be paid in full if I paid a reduced amount, which I paid. They cashed my checks, but I never received a letter confirming the accounts had been paid in full. Now they are sending me revised billing statements saying I owe the remaining balances. When I called them about the first account, I was told I would receive a letter soon confirming my account had been paid. I have not received any such letter. Then yesterday I received a call from them (the caller sounded like he was from or in India). He told me that since they did not receive my payment by the offer expiration date, the offer was not valid and I owed the remaining balance. The 1st account I know I paid before the expiration date, and the 2nd account was postmarked on the last day of the offer. If anyone has any advice on how I should proceed, I’m all ears!
Thanks, Noel
The letter I have here is outrageuose, it is an attempt to collect a debt from a 70 + year old woman who cosigned a loan for her grandchild over 9 years ago.
The letter is full of false entries to make it seem valid. Of course there no entry of the date of last payment, there is no entry for what this debt is for, there is a % rate of 15% and a statement saying that this is ongoing and the debt is growing. It has a Phone number to call for discounts which I thought was really funny. the number is 1 800 939 2352. It also says that she should send 500.00 of the supposed debt immediatly or she will be sued and they beg her to let them help her.
we are assuming that it is some debt from the co sign all those years ago since she has purchased nothing with anything but cash or debit card since 1986. I have seen teh credit report of the grand child however and there is nothing that was ever purchased that was even close to the amount shown as the origonal debt or balance. in fact – the grand childs credit would never have even allowed this amount to have been issued.
another funny thing is the interest rate of 15% does not say anything at all about the conditions. it says 15% and that is all. liek a 14 year old wrote it out.
This staes MCM’s Buisness address is a PO Box 60578, los angeles, CA 92123. but if you want to send correspondence but not a payment. MCM 8875 Aero Drive, Suite 200, San Diego, CA 92123.
weird hu? same zip code. whatever works for these bastards I guess.
They have not called and this is the only letter they have sent but says it is the 3rd.
Mike
Thanks for your comment. Keep your guard up for more letters from MCM and possibly calls.
We can have an analysis with you (and the 70 yr woman) to tell you what to do next.
Go to our home page and sign in to talk between Mon-Fri 9-5 EST.
~Next Level Credit~
I am another individual facing MCM and Jerold Kaplan Attorney Kevin Harper. Phone # 800-308-7321 Fax: 602-258-7321. I got a loan from Beneficial Finance in 2003 which I was unable to pay completely. In April of 2011, Commercial Recovery called me about the debt and we settled on an amount. I had not heard from Commercial Recovery since the last conversation with them telling me I still owed $75, which I promptly paid.
In March this year, I received a letter similar to the one on this site from MCM. I told them of my agreement with Commercial Recovery and my payments ( unfortunately come to find out I paid off all but $169.00 due to my miscalculation). I sent them copies of the documents plus bank payment information (without my account numbers). I received a call this evening from Kevin Harper who said he was an attorney hired by MCM. I reiterated my actions and he said he could offer me a settlement of $158 a month till the amount was paid off or $100 a month until I paid the total debt I owed in full.
After reading the comments, I am reluctant to enter into any kind of agreement with them. As a matter of fact, I am seriously considering changing banks as well so they don’t garnish my wages (I don’t know if my employer, the US Government will agree to this). As this point, I am stressing because I can’t even manage a monthly payment much less an attorney
hi to all, i am so glad i found this site. Two days ago a guy named Andres Villanueva, called my mom in law’s house looking for me. He told her that they are looking for me because they are ready to serve papers for me. I have a HSBC credit card that I wasnt able to pay since 2008 when I stopped working. It was only under $1000 when a collection agency was handling it. But havent heard from them for a long time until 2 days ago. This Andres Villanueva called my mother in law. I talked to him and he said that I owe $2,924 now and that the bank HSBC is suing me for it. But if I can pay them the money then they will stop the lawsuit, When I heard about it, I was so sad and crying because I dont want to go to jail, I have 2 young children. Anyway, I told him that I dont have that much money. As a matter of fact we only have $50 left for the rest of the month. We are broke! I am not working and my husband’s SSI Disability check is our only income which is not enough for a month. Then he said, how about you pay the downpayment of $650 and they will make a settlement of $100 each month until i paid it off. I told him I could not do that, I can only do $25 or $50 a month. He then threatened me that if i cant pay then they will serve the papers and then i will go to court and i will have to pay $7000 for all the fees. Since he called me I wasnt able to sleep at night thinking about it. I dont want to go to jail. So I called EPA again and talk to a different person this time because he said that Andres is not in the office til monday. This guy’s name is Richard Carter. He told me a different story. He said that he will make a settlement for me if i can pay $100 this month (Monday May 7, 2012) and then after that I can pay them $100 every month. So I told him I will try to come up with that money to pay them this monday. I told him I can pay them through MONEY ORDER, but he said that they dont accept money orders. Instead I can give them my credit card/debit card, but i told him we dont have any cards. Then he said how about through MONEYGRAM, or a PREPAID DEBIT CARD… this guy sounded really nice. I was glad to hear that i can pay $100 as a downpayment instead of the $650. So Im not sure now if i will pay them. I know I owe that credit card that I had through HSBC, and i want to pay it off little by little, or by how much i can afford a month. I just dont know if these EPA Group is legit anymore after reading this website…please help on what i should do!