On 4/8/02, I faxed a letter to Midland Credit requesting validation. Today I received the following response: "Thank you for your letter of April 8, 2002 requesting validation of the referenced account. Our records indicate that a judgement was obtained against you on this account. All correspondence should be forwarded to Law Office of ............" This is obviously a stall/scare tactic. How should I respond??? Any suggestions??
Re: Midland Credit - PREPARE FOR WA Also send the law firm a letter inquiring about the judgment. They may have tried the "sewer service" strategy to get the judgment. If that's the case, you need to file a motion to vacate. Saar
Re: Midland Credit - PREPARE FOR WA I agree with Saar. Credit reports don't always pick up judgements. Be sure this isn't a bluff. Either contact the law firm or, your county courthouse.
Re: Midland Credit - PREPARE FOR WA Call the county courthouse today and ask if there was in fact a judgement. Motion to vacate for improper service if there is. See if anything has been filed at all, they may have entered a request for judgement and be lying that it's been approved. That's another violation. Dancer
Re: Midland Credit - PREPARE FOR WA Thanks, everyone, for the advice. I faxed a modified Estoppel(directly to Midland) last night saying I received your response, but this in NOT the demanded proof/validation that I requested. I gave them 15 more days to send validation. Just another "tid-bit" regarding this. Originally, this account was listed on all 3 CR's. EX & EQ DELETED the account after the first dispute, but TU VERIFIED. I have since sent a procedures request to TU. With it coming off of EX & EQ so easily, I'm hoping/guessing that it should be DELETED from TU after a second dispute. Any thoughts??
Re: Midland Credit - PREPARE FOR WA I have them on my experiean report everyone took it off...I have no idea who they are I have never received a letter or anything they just say they represent Cross Country bank which I no longer have an account with...can you give me the address and phone of this company I have not been able to find anything on them..
Re: Midland Credit - PREPARE FOR WA Midland Credit Management Inc 5775 Roscoe Ct San Diego, CA 92123 Customer Contact: Mr Lyle Mathews Dir-Compliance/Quality Contro Phone Number: (858) 560-2600 Fax Number: (858) 309-6977 Website Address: www.mcmcg.com Additional Addresses: 4302 E Broadway Rd, Phoenix, AZ 85040 5775 Roscoe Court, San Diego, CA 92123 P O Box 939019, San Diego, CA 92193-9018 PO Box 900307, San Diego, CA 92190 Additional Phone Numbers: 858-560-2600 800-825-8131 800-306-4443 Fax 800-825-8131 877-445-4581 Good Luck!
Re: Midland Credit - PREPARE FOR WA This is the collection agency that the Associates and its minions used. Took a while but disputed them off after about 5-6 tries.
Re: Midland Credit - PREPARE FOR WA I think that that's whats going to happen. I disputed this tradeline with all three CRA's. EX & EQ deleted immediately, it TU that's taking their time! Thanks for the insight.
