If you have Midland Credit Management (also known as Midland Funding) on your credit report, it’s killing your credit score. You know this, but what you may not know is that Midland is notorious for using improper practices that violate protections set aside by the FDCPA. Find out some of the shady practices they’re doing that they shouldn’t be, and then read a real-life example of how to get Midland off your back and the negative marks legally and permanently removed from your credit reports.
How does Midland Credit Management try to collect debts?
1) Letters Sent to an Incorrect Address
Midland has been known to have the wrong address or the incorrect apartment number on file (it’s true, and it’s horrible when it happens). Imagine your neighbor getting his hands on a collection letter intended for you. It’s happened to many people and has ruined lives. Debtors working with Midland Credit have also had numerous problems with their debt validation letter being sent to the wrong address. But not just any address. Credit Management has often sent its responses for validation to the debtor’s parents’ residence. And if you’re like everyone else, you don’t need the whole world knowing about your problems, especially your parents. It appears the thinking is that your parents will see the letter and offer to pay off your debt for you. It’s a sneaky move and has probably worked out on more than a few occasions for them.
2) Threatening Written Correspondence
It is common for collection agencies to send letters that threaten action against you unless you make payment, and Midland Credit is no different. It’s what they do, after all. However, many people have received a collection letter asking for payment on an account that was actually opened by someone else, and when these individuals called, their problems only got worse. Many people have reported that the collection agent with whom they spoke was uncooperative and refused to help resolve any errors. The agent apparently thought that the people were just doing the ‘you’ve got the wrong guy!’ schtick. To their credit, they deal with people who falsely claim this all day long, but for the honest Joes and Janes out there, being treated this way is like being kicked when already down.
3) Submitting Court Papers to the Judgment Court
You may have a judgment on your credit report that was put there by Midland Credit for an unpaid debt, but what do you do if the debt isn’t yours? Or, likewise, what if they’re trying to collect a debt you already paid? In some cases, the consumer never receives a statement from the original creditor because he or she, in many cases, already paid the debt through a website. If you didn’t receive a written notification from Midland Credit Mgmt Inc. before they filed the judgment papers with the court, you may be able to seek redress under the law. This is an example where having a credit repair law firm on your side is a great asset. After all, you still have rights, and when laws are broken against you a credit repair law firm can set things right. We’ll have more on that coming up.
4) Telephone Harassment
Midland is aggressive when it comes to retrieving debts, and has been known to repeatedly call debtors for payment at improper times of the day. However, if they’ve tried to call you late at night or early in the morning, you have recourse under the law. Sometimes they continue to call even if the debt has been paid. Computers don’t sync up, and it’s not in the collection agent’s best interest to believe you because your name is on his computer. His job is to get money from people whose name appear on his screen. Oftentimes people are afraid of a lawsuit or damage to their credit score and will just pay again to make the calls stop. Don’t be one of these people. Know your rights.
What are my legal rights during debt collection?
Believe it or not, there are limits to what collection agencies can and cannot do. Just because you owe money doesn’t mean you cease to have any rights. Your rights, according to the FDCPA, are:
- They may not collect more money than you owe.
- They may not call you repeatedly all day long, early in the morning, or late at night.
- They may not speak intimidatingly or abusively.
- They may not inform other people of your debt if you are over 18 (with the exception of your spouse if you’re married).
- They may not ignore your debt validation request.
Recognize any laws that have been broken?
How to Contact Midland
Midland Funding a subsidiary of Encore Capital Group, Inc.
8875 Aero Dr., Ste 200
San Diego, California 92123-2255
Fax: 1-800-306-4443 or (858)-309-6977
4302 E. Broadway Rd.
Phoenix, AZ 85040-8808
Telephone: 1-800-265-8825 or (602)- 707-0211
16 McLeland Road
St. Cloud, MN 56303
Real Life Success Story
To get an idea of how you can get collections like the ones from Midland Credit Management permanently removed from your credit report, check out this story from one of our readers. Below is a scanned image of the actual letter he received from TransUnion after working with Lexington Law. Not only did he get a collections account deleted from Midland Credit Management, he also got two more removed: one from CBCS and one from Allied Interstate. Just imagine what that did for his credit score, not to mention any of his future credit applications. Listen to his story to see how he achieved these results and how you can do the same.
It started off when our reader hit some rough economic times in his life. He became unemployed after his employer tanked, and you guessed it — he couldn’t keep up with his bills without the steady income. He started charging basic living expenses, and when he wasn’t able to make any payments, his credit cards were sent to collections. Life then became an endless stream of phone calls from collection agencies (like Midland Credit Management). Not knowing what else to do, he decided to file for bankruptcy. This helped with the debt collectors calling non-stop, but his credit score was completely shot. Not only that, he had the bankruptcy and all of his collections and late payments stuck on his credit report for the foreseeable future.
How to Fix Your Bad Credit
For years after his bankruptcy, our reader was denied home loans and auto loans because his credit score was too low. After receiving multiple rejections, he finally confided in a friend, who told him about Lexington Law Firm. The friend didn’t just mention it in a casual aside, he ranted and raved about how awesome they were. This was a close friend whose life story was very similar to our reader’s, so he decided to set his skepticism aside. Thankfully his friend insisted and showed him actual physical documents that proved what he was saying. After reading through them, he knew right then that he had to give them a try. Our reader went home and got online.
Lexington Law Can Change Your Life
He called (800-220-0084) and spoke to a credit expert who was friendly, understanding and beyond knowledgeable. He signed up, and after approximately three weeks, he began to receive letters from credit bureaus stating that negative accounts had been removed from his credit reports! Even better is that he stopped receiving aggressive phone calls from debt collectors. Not only did he have a brighter financial future, but daily life becomes so much more enjoyable and stress-free.
Are you ready to do the same for yourself?
Collections Removed from My Credit Report:
My credit scores have dramatically improved since there are no longer any negative accounts on my credit report. Here’s a snap shot of my credit scores since I signed up with Lexington Law:
“I have been a client for some time now and all I want to say is that your firm has been wonderful to me. I have told so many people about the work you have done. Two of my reports have no negative marks now and the other I know is just around the corner. Thank you so much. Life is so much easier now that I don’t have to worry about credit problems. I highly recommend your service to anyone.”
— Paul, Lexington client
“I went through a bankruptcy and my score went way down into the 500’s. My wife and I planned to buy a house, so with the help of Lexington Law, my score went up in just 8 months to 688! I got an excellent rate, new house, and praise big time for your services. Thanks a ton!”
— David & Dana, Lexington clients
You can read hundreds of client testimonials and even watch some very inspirational client video testimonials here.
Lexington Law has provided expert credit repair services and experienced support to hundreds of thousands of people. For over 26 years, Lexington has been the trusted provider of affordable credit repair solutions. You owe it to yourself to at least check it out!