midland credit
Collection agency harassment – MCM, Midland Funding, Midland Credit
is midland credit management a scam?
i got a called that i owed them 1200 dollars on a credit card for bank of America, But i don’t have bank of America.so want do i do
Midland is not a scam, but it is one of the worst bottom-feeder debt collectors out there so be careful. Demand validation of this debt…see below:
When a debt collector first contacts you, your first step should always be to request validation of the debt per your rights under the Fair Debt Collection Practices Act. Even if the debt is valid, request validation anyway.
Send them a letter via Certified Mail + Return Receipt (do not use regular mail) stating:
Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, including a copy of the original signed application with my signature
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* DO NOT sign your signature on any document that you mail to a debt collector. It could end up on a forged document that can be used against you. Simply type your full name.
When they call back, tell them: I have sent a certified letter to your office officially requesting written validation of this alleged debt per my rights under the Fair Debt Collection Practices Act.
Per this federal law they must provide written validation within 30 days and they must cease collection activity until they send you written validation. Do not let them scare you with bogus threats during this period.