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    • We don’t have enough information to help you much.  We at least need the name of the original creditor, and the state and county.     That being said, you might need to send a DV letter out in a few days.  That is normally the first thing to do, but in your case it is the second thing to do.     Keep it short and simple.  Such as: ”I dispute this alleged debt and demand validation “.    They are not legally permitted to collect until they validate.  They probably will, but it will buy you a little time to plot your next steps.     For your first step, Midland has a policy of dropping some accounts in hardship cases.  Some people who post here have had luck with that even after being sued.  So contact them right away and ask about the hardship case policy.  See what you need to do to qualify.  It is possible they will forgive your debt.  Don’t admit to owing the debt when you call.  Just say it is a debt Midland says you owe.  
    • Hi,  I'm so glad I found this forum.  I have read over many of the posts and think I have learned something.  I have been sued by a credit card collector Absolute Resolutions Investments.  The debt is about $12k was initially with Avant Credit Services which was a credit card I applied for online thru Credit Karma (the irony isnt lost on me here)... fell on hard times and here we are, the loan was defaulted in 2018.  I was negotiating with the previous collector and was going to settle the debt for $3k but the debt was sold to these people in February of this year 2020 and they pretty much immediately moved to lawsuit.  I have never been in a situation like this, so I have no idea where to start.  I have NOT been served with papers yet, I got a letter by mail from an attorney with the first page of the filing (that's how I found out I was being sued.)  I don't have any of the initial papers because everything was done online... Any information of where I can start would be helpful! Thank you!
    • Thank you so much for this! I am super anxious - tough times and I'm hoping I can resolve this in a positive manner.  
    • My friend was served today being sued by PRA over a Paypal account. There is an arb clause, this should be good.
    • Hey there. So I received a ‘Pre-Legal Notification’ letter from MCM on 6/18/20 (i’ve been out of town since the 16th and just got home yesterday) and it states ‘Midland Credit Management has made several attempts to contact you regarding this account, and MCM is now considering forwarding your account to an attorney in your state for possible litigation. If we don’t hear from you or receive payment by 7/18/20, we may proceed with forwarding this account to an attorney’    The full balance shows $1.744.79. I’m currently unemployed due to the pandemic and have no idea when I will be re-employed. I’m not going to go into the details of the debt, but I was advised by a close friend to make a post on here and ask you guys how I should proceed from here. I’m extremely stressed out over this whole thing and really need help on how I should proceed and what I should do/respond with. I barely have $10 in my bank account right now due to being unemployed + having to take care of my mom, and i’ve been her caregiver for the last 8 months and having to pay her medical bills (hence why I barely have $10 in my bank account at the moment)    Any help/advice you guys could give me on this would be extremely, and I mean EXTREMELY appreciated. 
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