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Hello, all for one last post on this thread. I said all along I would never pay Midland a dime. I fought through 2 trials and 2 appeals. Ironically, won the first one on my own, and lost the second one with an atty. The same commissioner ruled for me and against me. Filed BK7 and am surprised to be happy about it. Midland tried to garnish wages but not in time. And it was close!!!! I have lived a cash only life since 2009 and surprisingly it is easy and makes you think more about what you spend. I could blame my super good job I lost for my downfall, but the more you make the more yo

@amyw also, you have 4 different threads for this case. It would be extremely helpful if you kept everything in one thread. Then we all know what has happened so far, and can help you better. The link you provided above takes me to debtor boards, a different site.

Charge off is usually 3 to 6 months after the last payment, so I would use the sol. But go in today and tell the judge you need a continuance to research, you do not recognize the account and have not been able to determine if it is yours because you just received the complaint. He will give you a continuance, they do for the first one almost always. That will buy some time to get your strategy in order.

You may have a FDCPA claim if they filed in the wrong venue. Definitely consult a lawyer. www.naca.net A consultation is free. And yes, as Shellie said, Midland will not file if that is your only source of income.

Some do, some don't, sometimes. In order for a CC to give you an ACTUAL FICO score, they have to buy your credit data from one of the CRAs and send it to FICO for them to run the numbers. It costs them money. So, some just go to the CRA and buy their FAKO score. Some buy outdated data. The only way you can be certain you're getting a 100% up-to-date ACTUAL FICO score is to buy it from FICO.

The first thing that needs to be done is that you need to know what the status of the case is. You cannot even tell if this case is still at lawsuit status or if a judgement has been rendered. As for negotiation, you can do so at any time but you lose quite a bit of leverage once a judgement has been issued because once that happens, the creditor can run roughshod through your financial life and you cannot stop them. They can take any and all bank and non protected financial accounts, garnish wages up to 25%, and put liens on your property.

I just re-read your post and this part jumped out at me. Don't believe this until it happens. If they don't "dismiss" the MSJ, and you don't respond to the MSJ in a timely manner, they could very likely get the MSJ granted by default. It's not supposed to happen that way but it has before and the appellate court has upheld those rulings so I wouldn't take any chances and would not trust that Midland's attorney will do what they said; especially when it means they could win their case without lifting another finger. IOW, they are highly motivated to 'forget' to withdraw their MSJ.

I won against UNIFUND today!! Dismissal with prejudice!! Thank you for this site and the Awesome people on it that were so gracious to help me!! i am going to pay it forward!!

Here's a few I found using this link: https://www.google.com/search?q=site%3Acreditinfocenter.com+maryland+arbitration&ie=utf-8&oe=utf-8#q=site:creditinfocenter.com+maryland+arbitration&start=0 There are over 100 hits. I only looked at the first 3 pages and pulled out the ones that seemed somewhat relevant. If none of these answer your question, use the link above to look for more. http://www.creditinfocenter.com/community/topic/318961-being-sued-by-midland-funding-llc/ http://www.creditinfocenter.com/community/topic/306214-when-to-go-with-arbitration-instead-of-litigatio