Complaint Review: Kramer and Frank Law Firm

I got my mail the other day and had several 3rd party letters from attorneys. I opened one of them and it stated to contact them that they can help me because I am being sued. I googled the company as I had never heard of Midland Funding before. They told me it had been turned over to Kramer and Frank and gave me an 800 # to call. I tried calling and it rang and rang then went to a fast busy signal. So I went to the website and found a local # so tried that and the same thing happened. So I emailed them to please contact me since none of the #'s I received worked. So the next day I had two missed calls and no voicemail. I called the # back and it was Kramer and Frank. I gave them my info and asked why I was being sued that I hadnt received any phone calls or any type of letter or email stating I was past due on a past credit card. I spoke with Heather and she stated they sent two letters, but that by law they didnt need to call or send anything. This is messed up b/c I would have tried to set up payments before it got to this point. Like millions of other people I was laid off back in 08 and then again here just recently in 11. They said they would do the payments but that I still have to go to court that they cant dismiss it.

So now I have about $1600.00 a month in bills and I am living solely on unemployment unmarried and dont know what I am going to do. All I know is they were very uncaring, and impolite over the phone and now I have to go spend more money when I go to court in February! All this could have been resolved with a letter or phone call and they know that, but then how can they make money off of others! The rich get richer and the poor get poorer because of them!