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  1. Midland Funding has started a new court strategy in Texas and maybe other states also. Reviewing the Texas online court records, Midland has started opening old cases with Default Judgements. They have reopened dozens of cases in 2019 and none in 2018. The cases are asking for courts to garnish money from major banks like JP Morgan and others. I don’t think the law has changed in Texas regarding garnishments, ( Texas law prevents wage garnishment on consumer debt.) Midland has found something or someway to get information on the defendants in their old Judgment wins. If any
  2. I received a WELCOME letter from Midland on a Synchrony Debt. I responded with a certified letter for validation. I did not receive the green card back in the mail. The USPS website shows it was received . I printed out the the tracking and receiving data from the USPS web site. I don't know how often this happens, but in my opinion it sure seems odd. I received a second Welcome letter in three weeks, but no validation data. Any ideas on my next move?
  3. My Story continued: Now for those that think I am a disreputable person for not paying my debts, I respect your opinion. I lived beyond my means far too long and this is the result, I wanted my income to grow to meet my living, but it didn't. I have accepted my consequences and completely changed my lifestyle. I will never go in debt again, ever. If you are in this debt collection situation, and you are reading this forum then you are on the right track. I believe you have to take an aggressive stance to defend against the actions of the collectors. I realize they have a job t
  4. This is the start of MY story to address, defend and clean up my outstanding debt. I have been sued by one of the major law firms that represent both JDB and OC in TEXAS. The firm operates in other states besides Texas, so their strategy may be the same outside of Texas. MY accounts in collections with a variety of collectors, have account totals ranging from $2k up to $14k. I will post the status of my defense actions and results as they progress. I am not working presently and hope the employment situation will change soon, as a result I have time to research and defend myse