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  1. Hello, so yesterday 5/14/18 I received a letter in the mail from Atlantic credit and finance incorporated. They wrote that the now current creditor midland is considering forwarding my account to a lawyer in my state for lititgation. The letter states: Atlantic credit and finances has tried to reach you regarding this account. This letter is to inform you that Midland funding, LLC is considering forwarding this account to an attorney in your state for possible litigation. upon receipt of this notice please call the number to discuss your options. if we don’t hear from you or receive