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  1. I received a complaing from Midland by regular mail. I talked to a lawyer and he said it may be better to settle- debt us inder 3k I still have time to answer the complaint, but I sent a debt validation letter and they responded right away with a statement copy form original bank and bill of sale from original bank to them, Midland is the 2nd JDB, previous collector was Oliphant. Wells Fargo- original creditor and Oliphant reported on credit , now Midland reported with higher figure( fees interest I assume) I never received in writing anything before from therm ever, I have robo calls from an 866 number with all hangups, no voice mails that I now see is their phone number on private voice mail account that I have saved and was a buisness telephone line used . What should I do? Fight or settle?I dont really have the money even for payments and I hear even settle for less they may not be able to remove from credit report as the credit reporting agencies do not like that pay for removal. Help! Also one thing I know is that this was reported to my credit report before they sent the summoms compliant and they never validated the debt prior to sending me a complaint. Not till I received the complaint, I then sent a validation letter. I received a reply to a DV letter I sent when I got a summons from Midland- They sent me back a copy of a bill of sale with their signature and wells fargo EVP of operations signature on page 2, on the 1st page it says Bill of Sale-MY NAME OR ACCNT NUMBER IS NOT ON THIS BILL OFSALE, They blocked out in black Outstanding Balance of Accounts and Number of Accounts. Another doc they sent me was a statement with my name and address from a year ago or a bit more and attached to that important info about your account. Are these docs from them sufficient to make them valid on their side?