Jump to content



Recommended Posts

So I fell on hard times and had a card go into collections. It was thru midland funding LLC and now I get a letter from an attorney representing them. It says I have 30 days. I can try and take a picture if needed. What do I do? I can't afford a attorney. I have issues with anxiety and this only makes it worse. Please help me

Link to comment
Share on other sites

I suspect the 30 days refers to the period you have to dispute the debt and request validation (your rights under federal law, the FDCPA).  I would take that opportunity.  Send a simple letter to the attorney, by certified mail.  All it needs to say is "I dispute this alleged debt.  Please validate."

Who is the OC (original creditor)?  How much is the debt (ballpark number)?  How old is the debt (last time you paid on it)?

This is the best way to defeat a JDB (like Midland), assuming the OC's cardmember agreement has an arbitration clause:


Link to comment
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.