momof3b1g Posted November 17, 2008 Report Share Posted November 17, 2008 I got a letter on the 6th of this month. I think its an arbitration letter not an actual summons as it has not been filed with the courts. I don't argue the amount, the principal is right then they add intrest and attorney fees. Which i don't want to pay. But anyway.. I know the debt is mine, i called the original creditor who sold it to another, and they said they sold it to the ones collecting now. It was 3 yrs ago and the SOL is 6yrs. I really have no leg to stand on except if they cannot prove I oew this debt.Should i call and try and settle? This is with Midland LCC for $2500 what do you think they would be willing to settle on?I wanted to add the letter already states original creditor, the amounts and what they are for. Link to comment Share on other sites More sharing options...
bobdole369 Posted November 19, 2008 Report Share Posted November 19, 2008 Midland will try and claim they are not a CA but they probably are. \FYI - the OC doesn't have to listen to FDCPA and doesn't need dunning letters, mirandas, and don't need to respond to a DV.Never use the phone... Link to comment Share on other sites More sharing options...
momof3b1g Posted November 19, 2008 Author Report Share Posted November 19, 2008 You say the OC doesn't have to respond to DV. But what about Midland should i send them a letter or sound a settlement letter? Link to comment Share on other sites More sharing options...
bobdole369 Posted November 19, 2008 Report Share Posted November 19, 2008 Oh I see it isn't Midland that sent the arbitration letter? Link to comment Share on other sites More sharing options...
momof3b1g Posted November 19, 2008 Author Report Share Posted November 19, 2008 No it was Messerli & Kramer PA Link to comment Share on other sites More sharing options...
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