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swanlake's Achievements


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  1. I responded with the attorney list to LawKitty in a pm. They all have a mcmcg.com email address, which resolves to Midland Credit Management website. So it looks like its a bunch of inhouse lawyers.
  2. So if I am unlikely to win, and I had a lawyer suggest I declare bankruptcy, which I do not want to do. What would be my best option for negotiating with them. If arbitration doesn't scare them off, and it costs them more money, I am likely to get a worst payment agreement. Any advice on how to proceed if I want to try and talk to them into a payment arrangement?
  3. Wow... just wow. I was just reading the whole complaint incase I wind of answering the summons myself and I am still shaking my head to complaint Items 8-10. They are a plea to how wonderful Midland is and nobody loves them or understands how good they are... poor us. 8 . Plaintiff MIDLAND FUNDING LLC owns portfolios of consumer receivables, which it attempts to collect. When working with individual consumers, Plaintiff MIDLAND FUNDING LLC and its affiliates (collectively, “Midland”) generally attempted to contact consumers like Defendant through several means, all in an effort to establish contact and to resolve the underlying obligation. In doing so, Midland attempts to assess each consumer’s willingness to pay, through phone calls, letters or other means. Midland attempts to exclude consumers from its collection efforts, where Midland believes those consumers are facing extenuating circumstances or hardships that would prevent them from making any payments. 9. When Midland contacts consumers, it strives to treat consumers with respect, compassion and integrity. Midland works with consumers in an effort to find mutually-beneficial solutions, often offering discounts, hardship plans, and payment options. Midland’s efforts are aimed at working with consumers to repay their obligations and to attain financial recovery. Midland strives to engage in dialogue that is honorable and constructive, and to play a positive role in consumers’ lives. 10. Despite Midland’s efforts to teach consumers and resolve the consumer’s obligations, only a percentage of consumers choose to engage with Midland.Those who do are often offered discounts or payment plans that are intended to suit their needs. Midland would prefer to work with consumers to establish voluntary payment arrangements resulting in the resolution of any underlying obligations. However, the majority of Midland’s consumers ignore calls or letters, and some simply refuse to repay their obligations despite an apparent ability to do so. When this happens, Midland must decide then whether to pursue collection through legal channels, including litigation like the present action against Defendant. Although the Account is now in litigation, Plaintiff remains willing to explore a mutually-beneficial solution through voluntary payment arrangements, if possible.
  4. Good Morning, My husband was served in person for a suit against me. I am trying this morning to see if I can find a local attorney to perhaps file all this for me. However I have been reading this site and this is my details. Any recommendations for what I should expect to pay an attorney to do this? I have found a Credit card agreement from Paypal which my card was branded. It does include an arbitration agreement. I have 20 days to file my reply. I was served on the 2nd. So I have 7 days down and of course the weekend is here. So I have to handle this in some way next week. Thank you for any advise. 1. Who is the named plaintiff in the suit? Midland Funding LLC 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) its not a firm but a bunch of lawyers 3. How much are you being sued for? 5070.69 4. Who is the original creditor? (if not the Plaintiff) SYNCHRONY BANK 5. How do you know you are being sued? (You were served, right?) They served my husband. I was not home. 6. How were you served? (Mail, In person, Notice on door) In person, but to my husband. 7. Was the service legal as required by your state? yes Process Service Requirements by State - Summons Complaint 8. What was your correspondence (if any) with the people suing you before you think you were being sued? none 9. What state and county do you live in? Polk County, FL 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) 2016 11. When did you open the account (looking to establish what card agreement may be applicable)? 2014 12. What is the SOL on the debt? To find out: 4 years Statute of Limitations on Debts 13. What is the status of your case? Suit served? Motions filed? You can find this by a) calling the court or looking it up online (many states have this information posted - when you find the online court site, search by case number or your name). Not sure 14. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No 15. Did you request debt validation before the suit was filed? Note: if you haven't sent a debt validation request before being sued, it likely won't help create FDCPA violations, but could be useful to show the court that you dispute the debt ('account stated' vs. 'breach of contract'). No 16. How long do you have to respond to the suit? (This should be in your paperwork). If you don't respond to the lawsuit notice you will lose automatically. In 99% of the cases, they will require you to answer the summons, and each point they are claiming. We need to know what the "charges" are. Please post what they are claiming. Did you receive an interrogatory (questionnaire) regarding the lawsuit? Here is an example of what the summons/complaint may look like: Sued by a Debt Collector - Learn How to Fight Debt Lawsuits 17. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. They provided a copy of a credit card statement from Synchrony Bank a statement / bill of sale (with redacted part) of them buying the debt.
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