Just need a little validation/advice in Georgia -Midland in Collections Posted March 25, 2019 · Report reply 16 minutes ago, Clydesmom said: Which county is this in? In the larger counties like Cobb, Gwinnett and Fulton the Magistrates are like that: intelligent and reasonable applying the law(s) correctly not at their whim. My guess is the Judge is not impressed with him refusing to drop it knowing they cannot collect. Going back to the hardship: did you only approach the law firm or did you go direct to Midland? You're so knowledgeable. It's helpful having a sounding board. My car is definitely not high value and won't be paid off until next year. It was Cobb county. The judge was definitely more compassionate than I was expecting, even in the other cases I was overhearing . I used to work in a different court and I know the attitude of the judge can make a huge difference in pro se cases. My only concern was when he was like " I'm not sure you'll get better outcome in arbitration" but then he went on to get into the disability questions basically stating to the attorney that I couldn't be garnished right now. I actually approached both at different times. My first knowledge of Midland was when they tried to sue me at my cousin's house in Cherokee county 5 months after I moved to Cobb. They apparently had sent a letter to me at my address prior to Cherokee residence when I wasn't living there either. I was living in Cobb for a year before they filed here. During that time, I reached out to Midland to ask them about what they had on their website regarding disability. They stated the attorney would have to contact me . After I was served in Cobb, I contacted Goodman and they requested a note from my doctor which I embarrassingly acquired. In the end, it didn't make a difference to them and they proceeded to court. In court , the judge asked the attorney if they had record of the letter and he said they did. It was about the only thing he didn't try to deny knowledge or responsibility of. That's when the judge asked him if he was sure he wasn't willing to drop it. Attorney responded with " I have my marching orders." So the judge instructed the clerk to do a stay for arbitration.