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TREM02

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Any advice on midland funding llc? aka MCM

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Midland is a 'junk debt buyer' meaning they buy old debts for pennies on the dollar and attempt to collect the full amount.  Send them a letter demanding Vallidation of Debt and give them 30 days from date of  receipt of the letter to comply.  Send the letter "Certified, Return Receipt Requested."  They know what they must send but, for your information only, they must provide a copy of a signed contract from the original creditor that shows your signature.  They don't provide this, they cannot collect. 

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Additionally

Often these debts are outside of the Statute of Limitations, verify what your SOL is in your state and if possible, dispute under this as well.  Let them know that beyond this response that you are providing, that they may only contact you through the mail to the address they have.  You do not allow for any telephone contact be made to you, your place of employment, or your family or friends...(you want everything in writing).

Also let them know that short of court papers, you will be ignoring any and all future correspondence from them...  (they want to try to badger you, constantly).  You will of course, keep (and read) everything from them, but that first letter sent (certified, return receipt) is enough to let them know you're not "playing" with them.

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