pcmech Posted February 13, 2009 Report Share Posted February 13, 2009 Howdy folks.Had some financial trouble for a while before I ever got laid off. Anyways, got a letter today from a law firm in my home state saying I have 30 days to pay or dispute the validity, etc, etc, or a suit will be filed. I've been collecting unemployment since last August. Is there a chance they'll actually sue, knowing I have nothing for them to collect? It's a couple of years old, and it's a little over $3000. The law firm is Singletary & Thrash-Jackson, in Jackson, MS. And I just pulled my Transunion. It went to Midland Funding (Midland Credit MGMT, are they the same?) who sent it to the lawyers. Midland did an inquiry in Nov 08 showing a permissible purpose of "Collection".I'm going to do some more reading on this forum, but I thought someone more knowledgeable than me could send me a quick answer to help me sleep tonight. Thanks for your help. Link to comment Share on other sites More sharing options...
willingtocope Posted February 13, 2009 Report Share Posted February 13, 2009 Seen the lawyers a standard "debt validation" (DV) letter. Treat them just like any other collector. It will buy you some time.Will they sue? Don't know. I do know they don't care that you're unemployed...if you tell them that, they'll just say borrow the money from a friend. Link to comment Share on other sites More sharing options...
myexsucks Posted February 13, 2009 Report Share Posted February 13, 2009 Ok so YES they still can and probably will sue. Midland tends to be quick to go to suit. Midland is a Collection Agency, not a law firm. However; they have lawyers they use regularly and pay them a contingency fee. Here is a website with some good info about them http://www.debtcollectorphonenumber.com/stories/1/95/1f_161075.asp Midland Funding is the Parent Company of Midland Credit Management Group. So yes they are the same company.The first thing I would do is DV them. As long as you have done that it stays off the lawsuit until they can Validate the debt. That will give you some extra time to prepare, and make them prove they have the right to collect on this account and the ammount they are asking for. But good news for you either way under Federal Law Unemployment Insurance Benefits CANNOT be garnished unless the judgment is for Child support or Alimony. Good Luck Link to comment Share on other sites More sharing options...
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