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  1. This is my first time being sued for a credit card. It’s Midland Funding but Cooling Winter is representing them in this case. I was served papers , I due owe Jcpennys. I contacted Cooling Winter the attorney. I contacted this law group April 17, spoke to a person that is handling my account . We both agreed for a settlement pay off and I request to have this payoff sent to me by mail. I haven’t received a letter in the mail for the payoff. I contacted The attorney office again spoke to the person that handling my account she claims that she tried to call me because I’m refinancing my house an