Complaint Review: Midland Funding LLC - Torrance California

You'll need to hire an attorney. Unless you know the proper procedures on how to legally respond to the lawsuit, and continue on from there. You'll be able to get answers to your questions as part of the lawsuit - it is my understanding that once they file suit the FDCPA basically doesn't apply (you can't send a letter demanding validation now and expect the lawsuit to go away), so they don't have to tell you anything on the phone or by mail unless it is answering your discovery requests (again, see my first statement!)

You'll need to hire an attorney. Unless you know the proper procedures on how to legally respond to the lawsuit, and continue on from there. You'll be able to get answers to your questions as part of the lawsuit - it is my understanding that once they file suit the FDCPA basically doesn't apply (you can't send a letter demanding validation now and expect the lawsuit to go away), so they don't have to tell you anything on the phone or by mail unless it is answering your discovery requests (again, see my first statement!)

You'll need to hire an attorney. Unless you know the proper procedures on how to legally respond to the lawsuit, and continue on from there. You'll be able to get answers to your questions as part of the lawsuit - it is my understanding that once they file suit the FDCPA basically doesn't apply (you can't send a letter demanding validation now and expect the lawsuit to go away), so they don't have to tell you anything on the phone or by mail unless it is answering your discovery requests (again, see my first statement!)

You'll need to hire an attorney. Unless you know the proper procedures on how to legally respond to the lawsuit, and continue on from there. You'll be able to get answers to your questions as part of the lawsuit - it is my understanding that once they file suit the FDCPA basically doesn't apply (you can't send a letter demanding validation now and expect the lawsuit to go away), so they don't have to tell you anything on the phone or by mail unless it is answering your discovery requests (again, see my first statement!)

Midland Funding buys old debt. This is probably why you don't think you owe them money. First check who the original creditor is. Do you remember having an account with them? What kind of card/loan is this? Now that Midland Funding owns your debt, they have placed it with an attorney's office. If you haven't been sued already, this may be coming your way. They should send a demand letter stating you have 30 days to request validation or dispute the debt. Make sure you have paperwork to back up any dispute you have. The burden of proof falls on you. If it still within the 30 days, you should send a letter asking them to validate the debt. You cannot do this verbally. Keep all records of correspondence. Send certified mail. If you are sued, you must make your intentions known in resolving this matter. If you owe the debt (meaning you did have this account with the original creditor), then check the laws of statutes in your state. When was the last time you paid on the account? Write down every person's name that you speak to, the day, what they said, and even ask them to repeat themselves, repeat what they said back to them, and let them know you are keeping track of your conversations with them. Ask them to send you letters backing up all conversations you have with them. The sad thing is that the company does not care about your personal situation. They cannot get personally involved. They are a business, and they have hired an attorney's office to collect on your debt through filing suit and possible judgment. Make sure to keep on top of these things. If they say they are sending you a letter, you call them the next week to let them know if you got or not. I have seen so many cases where people simply ignore the letters, the court summons, and the default judgments only to act extremely shocked when their wages are garnished. "But I never owed on this account!" they will say after all legal delays have passed. Take care of your business now!