Goody_Ouchless

Is it possible that the second sentiment affected the first? I suspect that if someone called them, hat-in-hand, apologized for the difficulty that they have caused Midland in collecting their money, and humbly asked for forgiveness in the form of some sort of payment plan, they might find success. On the other hand, calling with an attitude that implies "I'll bet your parents are proud that you destroy people for a living. So here's what I need from you in terms of a payment plan..." may end up with a different result.

Midland is like any other company. I'm guessing that if someone where to approach them with contrition and an honest desire to work something out that they would be amenable. Just as they are probably likely to say "get stuffed" when someone calls them with an attitude.

They are actually probably the best, in that they do work with people and seem to stand by their hardship pledge. Did you fight and lose the original case, or just ignore it and let it go to default judgement? They may feel like they were open to making a deal, in the beginning, but now aren't really in the mood since they've had to go to the trouble of levying funds.

Is the hearing for your MTC, or did court botch that and are going directly to trial?

...and they won't take any less in a lump sum?

Haaaaaa! Tough to make a living when entire sales pitch is a lie! Idiot.

So this individual hacks and alters records? Interesting approach.

I think you miss my point, but that, as well. is probably typical. Just know that when you go to a store, bank, restaurant, hotel, airport, or wherever, and you play your entitled victim act, the rest of the folks there are laughing at you, not with you. Again, probably falling on deaf ears.

Yet something tells me you are used to that, out in the world.

In our situation it was a case of "be careful what you wish for." When things went south most of our debt was in my wife's name. Even though we are in a community property state, my score improved quickly, while her's remained ruined. Once things fell off CR, she started getting credit offers and opened an Amazon card. Of course the intention was for it to only be used for "point,s" and to be paid off each month - in reality it quickly ballooned to a $3500 debt and arguments where the word "divorce" was used more than once. I've paid it down to about a $1000 and need to start having daily "don't use that stinking card for Christmas" sessions. I guess the silver lining is that the routine $300 or $400 per month that's been going to that card can soon go to savings without being missed. So, in answer to your original question, we found the improvement to credit score to be quite rapid.

All that means is that they can attempt to recoup fees if you violate the agreement. As @fisthardcheese said - don't over complicate things.

So you believe they are pretending you are dead in order to collect from your live self? Can't believe they are that desperate for business.

Wow - that could be best deal we've ever seen from Discover.

So you can show that you requested validation within 30 days of the first letter they sent you, and they continued active collection efforts in the space between when they received your validation request and when they validated?

Keep checking, but otherwise just wait until you get served.