Don't fall for the Midland stuff, especially if you don't anybody.

I got rid of them harassing me by complaining first to my state atty. general's office, who then turned the matter over to dept. of consumer affairs.

Midland responded in a letter to dept. of consumer affairs stating-they would case any collection.

This info is from another site and I used it in my letter to Midland, the same letter which I forwarded to my atty. general's office.

“For starters, they should require, in writing, the name and address of the original debt holder, the account number, the date of the last transaction, and the amount of the original debt. Being consumers, they have a right to that information.”

If the statute of limitations has expired on a debt, it cannot be entered on the consumer’s credit report. If the new creditor threatens to report non payment to the credit agencies, it is a violation of the Fair Debt Collections Practices Act.

Hope this helps.

I was looking at my annual credit report today and found that midland credit management is on my credit report, for a debt that is old. one that is over 6 years old, which 6 years is the statute of limitations for my state. I am seeing midland credit management as a zombie debt collector. I only found them on 1 credit report, but will find out if they are on the rest. I am disputing, but it still irritates the crap out of me that I have to do this. Its stupid, ridiculous and a waste of my time for someone to start this over again.