Don in Ohio

Pre Legal Notice from MCM

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   We  received a 'Pre-Legal Notification' today,delivered by UPS,2nd day air. The amount listed is $932.65,they want bi-monthly payments of $25.

  They state if they don't hear from us or receive a payment "MCM may proceed with forwarding this account to an attorney"

  Original creditor is Comenity Bank,on behalf of Lane Bryant, MCM Inc. is current owner/servicer of the account. We live in Ohio,they have the default date listed as 6/6/19.

The debt is my wife's,and I do my very best to pay all of our debts,or keep them in good standing,however; she was diagnosed with a rare disease first week of June '19,and her neurologist has had her off work ever since. I'm on SSDI for a destroyed back,so our ONLY income is the disability I receive once a month.

 As you may imagine this has been very taxing to receive this notice,on top of all the every day things to worry about. My wife and her health is my number one concern,she's had 2 cancers,and now this ultra rare brain disorder.

  If there is some sort of "what to do now" advice,I would greatly appreciate it. Let me know if there is any other information needed from me. Respectfully, Don

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1 hour ago, Don in Ohio said:
 
 

   We  received a 'Pre-Legal Notification' today,delivered by UPS,2nd day air. The amount listed is $932.65,they want bi-monthly payments of $25.

  They state if they don't hear from us or receive a payment "MCM may proceed with forwarding this account to an attorney"

  Original creditor is Comenity Bank,on behalf of Lane Bryant, MCM Inc. is current owner/servicer of the account. We live in Ohio,they have the default date listed as 6/6/19.

The debt is my wife's,and I do my very best to pay all of our debts,or keep them in good standing,however; she was diagnosed with a rare disease first week of June '19,and her neurologist has had her off work ever since. I'm on SSDI for a destroyed back,so our ONLY income is the disability I receive once a month.

 As you may imagine this has been very taxing to receive this notice,on top of all the every day things to worry about. My wife and her health is my number one concern,she's had 2 cancers,and now this ultra rare brain disorder.

  If there is some sort of "what to do now" advice,I would greatly appreciate it. Let me know if there is any other information needed from me. Respectfully, Don

Who, exactly, is MCM?  Is this Midland?  
 

This information is crucial.  

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Midland has a policy 

If you are in bad financial shape because of medical reasons, they will drop the case.  At least one poster has had debt forgiveness this way, possibly more.  
 

Look up the Midland web site.  Find the policy on the web site.  Then contact Midland and ask what documents you need to get the debt forgiveness.  
 

Good luck and best of health to you. 

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I found the part where it mentions 'suspending' collection activites. Here is the actual quote "We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues." I hope this will actually be dropped,and not just suspended. There is a part at beginning of website where it wants you to enter your MCM account number and last four. Should I enter this information?

   My reluctance stems from several things online about them being rude and predatory,and any information you give them will only worsen the situation..

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2 hours ago, Don in Ohio said:

I found the part where it mentions 'suspending' collection activites. Here is the actual quote "We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues." I hope this will actually be dropped,and not just suspended. There is a part at beginning of website where it wants you to enter your MCM account number and last four. Should I enter this information?

   My reluctance stems from several things online about them being rude and predatory,and any information you give them will only worsen the situation..

Midland is a big company.  Some of the people who work for Midland are complete jerks.  That is true.  However, some are not.

Someone from this site in the past got Midland to drop a court case due to medical expense hardship.  

If I were in your shoes, I wouldn't wait to be sued.  I would call Midland, and ask to talk to the people in the medical hardship division.  Those are different people from the debt collectors.  You are more likely to reach a real person.  

 

I will be very blunt here.  You have a lifeline.  Don't throw away the lifeline because someone else at the same company allegedly acted like a jerk to someone you saw once post on the internet.  

 

For example, one of my kids called me from the airport in tears because she was trying to fly home from college, having been given 72 hours to vacate her dorm, and someone at the airline was going to charge her $100 because her suitcase was a few pounds too heavy.  I told her to get into another line.  She did, and the ticket counter attendant was very nice, saw she had been crying, and let her slide for the few extra pounds.  The moral:  if you get a jerk, try again with someone who isn't a jerk,

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  Thank you very much for your efforts on my behalf. I called MCM @ 10:51,told them of my situation,and was put on "temporary hardship status",I wrote down the person's name I spoke with,he was gruff,but not too bad.

  He then gave me a second phone number to provide any documentation they may require,I also recorded the name of that lady,SHE was very pleasant,and after hearing my information,doing several security questions she assured me that the account was put on permanent hardship and that all collection activities will now cease.

I asked her to please send me a verification of that statement and she assured me she would. I'm assuming she has to,based on the recorded conversation.

  I very much appreciate your advice and wish I could high five you. With much relief  ~Don

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1 hour ago, Don in Ohio said:

  Thank you very much for your efforts on my behalf. I called MCM @ 10:51,told them of my situation,and was put on "temporary hardship status",I wrote down the person's name I spoke with,he was gruff,but not too bad.

  He then gave me a second phone number to provide any documentation they may require,I also recorded the name of that lady,SHE was very pleasant,and after hearing my information,doing several security questions she assured me that the account was put on permanent hardship and that all collection activities will now cease.

I asked her to please send me a verification of that statement and she assured me she would. I'm assuming she has to,based on the recorded conversation.

  I very much appreciate your advice and wish I could high five you. With much relief  ~Don

I am happy things worked out for you.  Best of luck in these difficult times.  

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