sunrae Posted December 21, 2021 Report Share Posted December 21, 2021 Hello, A summons was received by a family member a few days ago for a January District court date regarding a collections account with Midland Credit Mngmt. This is in Maryland, SOL 3 years, last payment reported on the paperwork is 8/16/2019, formerly owned by Capital One it looks like. I believe I have until 12/30 to file intent to dispute if I understand correctly. I am a little unsure how to proceed/what the best options are. As background, I formerly had a partner who had a gambling addiction and there are possibly accounts I do not know about. However, in December 2020, in an effort to begin to financially recover from everything that had happened, I ran all 3 main credit reports, borrowed money from family to pay every single account listed on there, canceled all cards, and set it up so that almost all money I make from my job goes to the family member to pay them back/pay for living expenses (rent, utilities, etc.) which are set to auto come from there (the only exception being about $150 I get biweekly for food, etc. that still goes to my checking account). The account that MCM has listed on this summons is not one that was on my credit report in December 2020 but does have my name/former address on the copies of the statements that were sent as proof of last payment in 2019 and when it was apparently charged off in early 2020. The original account is still not on my credit report I ran yesterday as well, but the MCM account has been added. Any advice on what I should do next would be appreciated. Sorry for anything that is unclear and thank you in advance. Quote Link to comment Share on other sites More sharing options...
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