Midland sued me in California back in July 2015. I fought the case, and they dismissed the case without prejudice before submitting their documents that I requested.
The alleged account was a Sears credit card on which the last payment (according to the statements provided in the law suit) was paid in June 2013. The two statements that Midland sent with the Summons and Complaint was a July 2013 statement from Sears (which would have been the first missed payment on the account) and a March 2014 statement from Sears. My credit report shows that Midland opened the account in June 2014. I know that California has a four year SOL for credit card debt. When did the clock start ticking for this account? Was it June 2013 when the account was last paid? July 2013 when the first payment was missed? March 2014 when Sears last tried to request payment? Or, June 2014 when Midland opened the account?
I really want to tell Midland to go kick rocks and stop sending me notices, but I am afraid they will try to sue again. Litigation is expensive.