Midland Credit Management Reviews

For someone who has many medical bills and currently going through a few surgeries, I found them to be very understanding of my situation and got a payment plan to fit my budget. I also love the fact that you can chat with them online and take care of everything without calling.

Christy was wonderful in Live chat. She gave me options that works with my budget and she was able to set it up quickly and stayed with me throughout the chat until I got to set up my account and made the first payment. I'm glad that MCM got the chat option for people like me that doesn't like to make phone calls. Thank you.

I owed a total of $1245.49 and called and asked for a settlement amount. They originally only offered 1049.06 settlement, I was able to negotiate it to $833.76. So for me it's a win!! I am glad to be free of this debt.

Keira, Was very dismissive, and disconnected the chat before we even completed our conversation because there were no managers available. Instead of just disconnecting, you could have told me and it would have saved me from getting upset and chatting back in to find out that the managers aren't in today. I would have been understanding. I did not give this person any reason to not want to talk to me. I was polite to them.

I like many others fell off of my payments due to the rising cost of EVERYTHING and medical troubles, after so long forgot about it all together. When I received a notice of possible legal action I reached out and spoke with Iris Roberts. I explained my situation and she was very understanding and worked out a payment plan we can handle. Thank you Iris!!

I would like to thank Logan for helping me out with a great payment plan that works well with my situation I have going on with my life!!!! You are the best!!!! I wouldn’t be able to do any other payment plan with my new lifestyle!!! Thank you so much Logan.

I had the best experience, I have cancer and unable to speak the 2 associates were wonderful in assisting me to finally make a payment. This was by far the best service I have received since my throat was sewn shut. Thank you for all off your help.

I had a great experience with rep Iris. They took care of all my questions and concerns efficiently. I was never left waiting for long periods of time and they were very attentive to my needs. Although they are a debt collection agency, they are very easy to work with.

Simple as 123.... I am so happy that I was finally able to resolve this issue. I completed my payment online with help for the live chat. What a great feature to had. Should have been done this. I am super excited.

I paid off this debt on 11/29/2022. Despite the payoff MCM has harassed me to pay it claiming I didn’t pay. Twice in the past I sent them copies of the checks but they claimed they never received them (I sent them priority mail), finally I sent copies to both offices (CA and MI) then today I received the letter verifying my payoff ( in Nov 2022). For the last 1 1/2 years they have stalked me and ruined my credit because of their incompetence. Finally today I got an apology. Big deal.

I have had the best experience with this company and especially two of their employees. My original communication with them was with Danielle and she was absolutely wonderful, kind, understanding and respectful. My next experience was with Wyatt when I needed to modify my payments, again he too was kind, understanding, compassionate And respectful. I don’t recall ever having such compassion from anyone trying to simply do their job and remain an upstanding human being as well!!!

I contacted Midland Credit Management via live chat. I have multiple accounts with them. I was able to set up a plan that works for my budget. The customer service agent was patient and very courteous.

Never had to deal with a debt collector before, but Rachel ** was very kind in helping me set up a payment plan that suited my needs. I am very fortunate that she was able to figure out a way to help me settle my debt in an easy and comfortable way.

Great company. Spoke with Katie. She helped me out and everyone. Great help with everyone I spoke with and helped me out. Very easy to work with and made my payments work. What a great company. Enjoyed it.

They were very helpful and offered a payment arrangement I could actually do. They were very polite and honest. I felt understood and listened to and the process was simple and easy. Every step was explained.

They are a debt collection company so they make constant unwanted calls but if you do answer you will find they are extremely helpful & really do just want to help make this process easier than it is. I’ve had nothing but a good experience with them. They have done everything they said they were going to do for me.

Christy ** was very helpful and explained everything in detail! I had a full explanation of everything before agreeing to a payment plan. She was willing to work with me which made it easier to be able to make payments!

I appreciate how they are willing to work with you while not being rude and pushy like some debt collectors. I know they have a hard job but they know it's hard on us too or we wouldn't be in these situations.

Logan ** was amazing at helping me locate discounts and a rate I was able to pay. He even tailored the payment date to align with my pay day. Wonderful, quick, and hassle-free service. Thank you so much!

I am really grateful for them. I went through a very hard situation and they were able to work with what I had. I am very thankful that I have my account with them and I could really say I am satisfied with the service they provide.

They filed 2 lawsuits against me without proper notice that they even bought the debt, kept the lawsuit open the entire time I was making payments, and then when I paid the accounts off, they took an extra $140, told me they would issue it back to my card and to wait a week, called back in 2 weeks and my refund had never been initiated and my accounts were still showing open. They say they are closed now and I’ll get a check in 2 weeks, this place is a nightmare.

They helped me with some changes to my payment plan. Very helpful and flexible and compassionate. We were having trouble with the original payment plans needed a temporary solution. They were able to work with me in setting up a workable repayment.

I have had a good experience with Christy, she understood my struggle at the moment and worked with me on that. If I ever run into an issue I hope I get her service again! Thanks for the help and understanding.

Christy was great to work with and we came to agree that both sides were happy with. I paid my debt at the same time as the chat and she made sure I had everything I needed. Thank you Midland for your help.

My issue was resolved via the chat feature. It was quick, easy and painless. The Customer Service rep Rachel ** was polite and helpful. She answered my questions and shared information that I was not aware of.

I had the most pleasant experience with Christy from MCM, she was able to pull up all my pending accounts, gave me the best payment option plans for the outstanding bills and also made a fraud report on behalf of one of the accounts I did not recognize. It was very quick, easy. She was extremely polite and thoughtful. I was able to pick the dates that fits my budget. Thank you MCM and Christy for all your amazing dedication and most of all wonderful customer service.

I needed to change payment methods but was having trouble on the website. Benson ** helped me accomplish that and made it very easy and stress free. Grateful the chat feature was available. Thank you very much.

They were helpful in getting both accounts set up with payments that work in my budget and paid in a manner that doesn't take years. Friendly, knowledgeable and considerate are how I would describe their services.

As an individual who works during business hours and can’t always be making called during the day, the live chat experience was very helpful. The employee Logan was compassionate with my situation and found a way to help me lower my payments. Thank you Logan and thank you MCM for your continued support.

There is nothing for me to complain about. They were more than willing to work out a payment plan with me that helps me a great deal. That's how I wish every place was. I can't thank them enough for the help.

Customer service was fast, friendly and understanding. I was able to resolve my account and get things squared away quickly and easily through live chat feature. I thought it would be a nightmare taking care of this account and it was so very easy.

I am so pleased with the service I received from Kate. Kate worked with me to tailor a debt collection plan based on what I could afford and I'm so thankful for that. It has relieved so much stress off of me.

I just spoke with the rudest customer service rep I have encountered in 64 years of life. Condescending, rude & just plain mean. I was trying to explain why I was calling and she kept saying in her rude voice so what is your question? I challenged her and her attitude (nicely) & boy that made it worse. If I could give no stars I would. I am still being sued but was told by chat it was ok to set up a payment plan. I assumed that would take care of that. It did not. Terrible!

I needed to set up a payment plan that suited my needs and Kate was able to adjust the dates that would work for me and answered all my questions in a timely manner which I appreciate. Very helpful and no stress LOL- Thank you.

Charles was awesome to deal with. Very understanding and thorough. Wish more people were like him. He was very patient and understanding even though I was the one at fault. Guy needs a raise! Good job.

CG was a great representative. He was quick to answer my questions and explain what could be accomplished on my account. Easy instructions on next steps and overall best customer service I have encountered in a long time. I appreciated the response time and quickness of rectifying my issue.

Needed time while in between work. Got time a reasonable amount, appreciate your patience and cooperation! I used the online chat box and the employee was very responsive and straight to the point. Thank you

I wish I could give them no stars. This company had my wages garnished for a card I had back in 2017 of which I was able to make payments on up until Covid happened and I was unable to keep up with the card due to lack of work. This company brought my debt from another company and they somehow found out who my employer was and garnished my wages right before Christmas. I was blind-sighted by this company and also my employer. I am a single parent and this affected me and my child financially. When I called the customer service the people were very rude and basically stated they couldn’t do anything but I could make a payment that same day. They had already garnished my check and wanted me to pay the balance that was left, they are very rude and heartless people. I HOPE THIS COMPANY GETS SHUT DOWN SOON.

I FINALLY received a confirmation from the Prothonotary dated 12/20/23 that my debt was SATISFIED!! Midland is still sending me collection letters! How can I get them to STOP?!? I’m disabled and the stress of this is affecting my health!!!

Benson ** the representative from Midland Credit Management who is a chat live representative. He is Awesome, understand and helpful. He was fast at his response on the support I needed. 10 stars to Benson **. He rocks. I was so happy with his customer service.

I previously had a Bed bath and beyond account and I had this credit card, and I had paid the whole balance off in October or November of 2022. And I closed the account on December 26 2022 because I didn’t need it anymore and after that I never used it. Then somehow it was getting fraud charges that never came from me because the account was already closed and it was already paid off. The dispute charges were already taken care of. So yesterday this company calls still claiming that I owe a balance on the account and I’m trying to tell this person that the account was already off and the account was already closed. The person on the phone was trying to pressure me into making a payment when I told him that I didn’t really have enough money to pay right now because I only have one job right now and I’m part time. This company needs to be shut down and investigated for how they call and harass people.

Midland Credit Management filed a court order for garnishment in April of 2023. The money was transferred from my bank to the courts so they can then send the funds over to Midland. Either Midland or the attorney they hired never submitted a certificate of service or an application for disbursement and they ended up garnishing my account again for the amount. The funds they garnished this time was from my mortgage account, which means my mortgage will now be late because of an error they made by not submitting the forms. When I spoke to the account manager they said it's been escalated to a manager but could not tell me how long it would take to issue my funds back. In the meantime, I now have a late fee because my mortgage is late. This has been a enormous inconvenience and incredibly frustrating.

Was able to use the chat feature with *Rachel* to setup a payment plan that is adjustable further down the line. Obviously they are a debt collector but at least they are willing to work you and various Debt Consolidation Agencies that you have contact them on your behalf. Only reason it's not a 5 star review is the first letter I got from them was a pre-legal notice of possible lawsuit. If not for that this would be five stars.

Rachel ** just helped me tonight. She answered all my questions and has me jumping for joy.. THIS COMPANY WAS FABULOUS. For future people who has to handle business Midland Credit Management is definitely the place to go.. Keep up the good work to help us people get our credit and life together. I’m back and better thanks to you all!!!!

I just want to say, Ellen ** with MCM Concierge/online chat was AMAZING! Paying off debt is humiliating, scary and hard to do but Ellen really made me feel comfortable with my options. She understood and listened to my struggles and made me an offer that I could actually afford. If I could give Ellen more starts than 5, I would! Customer service at its finest! Thank you!!!

I was sent in to collections on an account that was taken off my records due to fraud and covid 19. I disputed this and was still harassed by them. I also have been negatively affected by this and held back from credit.

I have had to rearrange due dates, and whenever I have called them to do so, I have never had an issue. At MCM, they have made it easy and convenient to get debt paid off without breaking the bank. Thank you MCM for making this process painless.

Ms. ** was very professional, courteous, and concise. She helped me make payment arrangements on my account in a very efficient manner. This is remarkable for helping a customer via a chat. Ms. ** rocks!

Benson ** was able to locate my account and found out that I mailed my payment to the wrong address. He provided a new one to me where I could mail my payments into. He also set my account up for a 6 month payment plan and changed the billing date that the payments are due. I'm thankful for this options and that the collection agency is willing to work with me in resolving my debt.

I was short for my auto pay and I needed to move the date temporarily, so I used the chat and talked with David ** who was quick and extremely helpful with specifics. I was able to confirm the one time change in a matter of minutes.

I have been dealing with ongoing health problems and it has affected my ability to pay. I explained this to the representative who was able to get the total bill dropped almost 17%! My account will no longer negatively affect my credit and the representative made this easy.

I contacted Midland Credit Management company yesterday in attempts to resolve a debt that I had accrued a couple of years ago. First of all, the man on the phone spoke with a heavy ** accent and it was difficult to understand what he was saying. He spoke fast as well. After I identified myself and told him why I was calling, this man went into a very long-winded spiel which wasn't necessary at all. After what felt like an eternity he asked if I wanted to pay the debt off immediately and I said no, I wasn't prepared to do that yesterday. He then attempted to pressure me into making a payment yesterday so that he could give me a 'discount' on what I owed. When I refused to make a payment he put me through to his manager.

They attached a debt that the statute of limitations has run on, making legal action to collect it impossible, but they thought they would attach it to my credit report as a newly opened account, which is ILLEGAL.

Very helpful and took time to explain things to me. She had lots of patience and listening to me to explain everything to her. She was very nice and understood my problem. Thank you if I need it to talk to anyone again I would love to talk with her because she just had so much patience patience.

The person I spoke with understood what I was needing help with. I didn't have to wait long for assistance and my problem was resolved. She asked follow up questions to make sure I understood. She was very courteous.

I needed to work out payment arrangements for accounts that needed to be resolved and they were willing to go beyond their standard offers and come up with a custom plan that fits my financial needs. I am now able to start improving my credit because of their willingness to compromise and meet me half way.

They changed their number & couldn’t send my poor mother a notice or new number so my mom couldn’t contact 'em for over a month and they ended up charging a hefty penalty & froze their bank account. Said they were “too busy” when asked why they didn’t send any notice on their number change. Terrible company.

Well I get something from the court early this year. I don't recognize the debt they're trying to collect or amount. I called them, was a awful experience, they just want money, not willing to listen at all. I'm now dealing with a garnishment from for a debt I don't know about. This company needs to be shut down. I tried to payment arrangement on this debt even but they're not willing cause they think they have the upper hand so will not negotiate. I everyone reports this company so this can be stopped.

These guys seem to have a knack for getting things wrong. The company said I had a debt with a company I had never dealt with so I sent them a debt VALIDATION letter. They refused to send proof, good luck guys. SEE YOU IN COURT! Bunch of clowns!

I am going through a tough time in my life and I got a hold of them for a overdue bill. A mister ** helped me so I could avoid legal action and so I can focus on what I have going on with a lot less stress on me. Thanks so much.

So back in 2018 Midland did a judgmental against me for $2900. At no time did they attempt to contact or leave a VM. Jump ahead to 2023, Garnishment starts via ADP. 25% of my weekly pay for a balance of now $3646. ADP informs me that after several deduction the remaining balance is $1161. So, I call Midland to pay remaining balance. They give me a higher balance of $1600. Come to find out ADP is mailing checks weekly. Midland receives check and sits on it for a week. Currently, Midland is two weeks behind on balance and is charging an 8% daily rate of interest. So, apparently Midland and ADP are not keeping in contact with one another to confirm remaining balance. If it wasn't for me to tell Midland to fax ADP to give exact amount. Because ADP is reporting 11 payments sent and Midland is only reporting 9 payments received plus the payment I just made of $1161.

I used chat to communicate with an agent. He was courteous, patient and helpful in addition to answering my concerns. I was pleasantly surprised at how easy it was to resolve my questions. I am very satisfied with the service rendered.

The online chat was terrific! It made the payment process stress-free and the agent was very helpful and understanding. I initially had a problem getting my payment info to register and the agent was very patient and helpful in making sure that I was able to get registered.

Midland calls me at least once a month. Most times I let it go to voicemail. But once in a while I answer it just to see what they are lying about that day. They say I have a loan out from LoanPoint USA. I've never had a loan out with that company. They say that I work for a Poco Technologies. I looked up Poco Technologies. It's a company in China! I have never worked for that company. They have my social which is worrisome. But everything else they say about me is not me. Today when I answered their call, they said they are waiting for me to file a police report disputing the LoanPoint loan. The police doesn't handle things like that. Supposedly they are "advancing my case to the Sheriff's department for prosecution." LOL The Sheriff's department doesn't handle that either! Don't believe what these guys are pushing. They are scam artists trying to get your hard earned money for themselves!

So an operator gets on my wife's phone telling me I per a bill for city finance. I was willing to pay in full. He couldn't draft or out my account in 6 days. First, he wanted 12 dollars than 1 dollar like it was a scam and when I refused to give a dollar he went off on telling me why a pice of ** person I was not paying my bills when I offered to pay in full when my taxes hit. I'm 6 days! Not 1 American on the phone all with accents and a pissy attitude. Pissed because I couldn't even remember owing this money and he couldn't scam me on the spot. Beware!!!

Peter ** was the agent who assisted me today. He was prompt, courteous and professional. He updated my address without any complications. I was very pleased with his demeanor and effectiveness. I would love to deal with him with any future issues I may have.

They are ok in taking care of your plannings in collections, I am happy with the results of paying off my credit collections and no longer have to deal with unnecessary calls after paying off my dues.

I hope that MCM pays their LIVE chat workers well, because they are very knowledgeable and professional, and I don't care that they have decided to outsource this type of work. I just hope they are being well paid and taken care of, and aren't being abused. Thanks Bryan for your assistance!

Peter ** from MCM did a great job on helping me set up a perfect payment plan to pay off my account. I lost my previous job I had back in March 2022, and I only just started at a new job. The job market in my area was awful and couldn't find anything that could support me financially. Finally found said job and they understood my situation and helped me out. I hope that after paying them off, I never have collections again. It is awful for your credit score.

Although it was just a simple act of confirming some info that was in question. I was able to access the chat and had my info in a few minutes. Fantastic customer service from Rebecca on the chat feature.

I was behind on my payments so I call Midland Credit to tell them what happened and they were able to help me out with a payment plan to keep me on track. Appreciate them for taking the time out to listen.

I discovered that I had missed two payments on my payment plan according to a paper I received in the mail but I could not find it online. I contacted a representative using the Live Chat and she found the problem, provided a very reasonable solution, and my account was back to current in a matter of minutes. Very professional. Answered all my questions and did not rush me off the chat. I am very pleased with this experience and look forward to continuing to work with Midland.

For starters, this company outsources, which I understand it's a money move. But the outsourced employees are some of the most disrespectful, non-caring, nonchalant representatives you can talk to. THEY DO NOT CARE so don't look for empathy from them. All they'll do is give you scripted answers and you can BARELY understand what they're saying.... and that's IF you get someone. All I was trying to do was see what options I had for repayment and they transfer you from department to department, most of the time they're blind transfers so be prepared to repeat yourself A LOT. I finally had to resort to setting up a default plan online and when I tried to modify it by settling, they played the "transfer from person to person" game. One call with them will COMPLETELY exhaust you and leave you STILL trying to get answers!

I didn’t realize how horrible this place is until I read similar reviews to mine. I called when I received a letter that legal action would be taken against me. On one account I’ve been told twice they could get the payment down from $2400 to $1900 and both times no one put it in the system. Now they won’t work with me on a resolution and I was lied to twice. I just paid off one account and if I don’t receive my official letter then I’ll be calling constantly. This company cannot be trusted!

I give up on Midland Credit. I have a bill that is owned by Midland. I have been calling for weeks. Every time I speak with someone they give me another number to call and another extension to speak to various people. I call and leave messages, no one calls back. I call again and go through the same thing. When I call this extension, I just am placed on hold for hours. I am trying to fix my credit and don't know what to do at this point. Strange way to do business.

They, are very sneaky. You, can hardly understand their so called customer service department. A pure headache they are. There, are a lot of ??? surrounding this company and their practices. I, have read many complaints about this company and it is not good.

I found myself with a little bit of debt and unable to pay. My debt was bought by Midland. Trying to get through to the department handling my account is non-existent. I have tried for the last 30 days to pay this bill off. When calling in I get transferred to a voicemail where I never receive a call back. I been calling three times a day, leaving voice mail after voicemail with no return call. The representative you get when transferred will not provide any information and are extremely unfriendly when challenged. I was able to find my account online and and have additional questions. Why would I pay something you can't give me full detailed information to ensure my questions are addressed?

I had two debts that were acquired by Midland Credit Management. They sent me a letter threatening a lawsuit at which time I paid both accounts in full. This was in November of 2020. It is now May of 2021 and their website still shows that I owe $1.176.02. When I call, they confirm the account has been paid in full and closed, the debt is not accurate... however, my credit reports all still show this account is still in collections with a debt owed. I call this company once per month and get a complete runaround for hours where nobody knows what to say, managers are not available, someone will call me but it never happens.

On 10/21/20 I received correspondence from Midland Credit Management notifying me that I owed $917.19 to them. No explanations as to what the charges were, just that I owed them $917.19. And, in order to avoid court arrangement, I needed to settle this immediately. After phoning Midland, I asked for the last 4 SSN's on the account. They were different than mine. I told them they had the wrong person. I gave them my full SSN, DOB, home address and phone number.

I have set up a payment plan with them over 5 times now. My bank pays them with no issues on my bank's end. But every month they call to tell me that it didn't go through. Now they want my debit cards over the phone. I told them no way. I've set up payment with them multiple times. I have the payment plan in writing. Issues in their computer system are not my problem. Beware.

I had a credit card that they purchased and then sued me in court for and got a judgement against me. I called and worked out a payment plan and worked with a good collection customer service person. I have made a total of 4 payments that have been on time and per our agreement and have two more small payments left. Well this month August 2020 I came in close contact with someone who tested positive for COVID-19 and had to get tested myself and had to self isolate which meant no work.

I received a legal document from this collection agency, earlier this year. Until then I never heard of Midland Credit Management. After calling an attorney we took this company to court. It took an appeals court judge to rule in my favor. So as of this writing, I don't have to pay these bloodsuckers anything. Take my advice and Sue this company. It won't be long before they turn tail and run. Because they haven't a legal leg to stand on.

I have attempted contact to the correct department 4 times in two days to notify them the debt has been settled. They are still sending me a letter advising me of the unsettled debt. Nobody called me back. I asked to speak to the person who has a signature on the letter I received and I was told he does not take any phone calls. I really cannot understand how a company cannot respond in a timely fashion.

I have spoken with so many people, Kellan, Paul **, Ben **, Ralph, Jerry **. Rude. Hung up on. When I asked for an email regarding our conversation of a refund they refused. I would never work with this company if I didn’t have to. Very sad especially due to the fact that our country is hurting due to covid.

I was blessed to receive some extra cash and decided to clean up my credit report by paying off most of my bills. I had two to three bills that Midland Credit had purchased. Called and paid off. Great right? No! There was an old bill that was over 7 years old that actually had fallen off credit reports. When I got to work on Monday morning I had received all these calls so I calls the number not knowing who it was; guess who? Midland Credit. They were trying to get money for this bill. I told that they were not going to get a dime from me for a bill that is almost 10 years old and also one of their reps told me that I did have to pay it because it was an old debt that they cannot go after.

Just when I/we thought ride sharing company had poor customer service- oh try this one!!!! Poor customer service as they never have a straight answer. Always deviating your question as if it was a pole hole on a highway. They operate in a fashion that makes consumers question their credibility. First time they contacted me, I was like oh boy- here we go again with the fraud calls. It took me weeks to investigate this company and was still not convinced. They have a 1 star review and that should speak for itself. I mean do we know how hard you have to be working to get a 1 star review? Unless one only has 1 customer but it is not the case here.

My wife had an old credit card debt that had been sold to Midland Credit Management. She got served with papers saying that they were suing her. She called them and attempted to set up a payment plan with them, but they wouldn't work with her on a monthly payment. Today I found out that our bank account had been cleaned out, including all of our savings to satisfy this debt. I feel like this is illegal, since neither her or I was notified of this by either a legal document or even a phone call. Any advice out there??? Is this Legal??

“Tim **” with a deep Indian accent is so rude. I called because they kept calling my old job asking for me. I called to see what they want and to get them to stop calling a number that’s not mine. He said “We will update it when we get a payment arrangement.” I said “You are calling a number that’s not even mine” and all he said was “you owe us money, we will change the number when we get a payment agreement”. DO NOT PAY THEM!

Very disappointed in how the company handles your account. After losing my job and being disabled I needed to stop payment arranged for a few months. 3 months of no payment and they have a lawsuit against me and will not work with me. Horrible company!

I was sued by Midland Credit. They hire "representatives" in your area to represent them in court. These people will tell you things such as you should call them to work out a payment plan. I called after he told me this and Midland told me, "This was untrue. We will garnish your wages and would not accept any payment plan."

This place will call and make derogatory statements about you and your finances. I had a settlement and told them I will call to make that payment on that day. When I called to make the settlement payment. They said no payment is due in full now. Because I modified the arrangement by calling to make the payment on that day because of with the holidays to make sure the payment is in my account. They said since they couldn't take it out as we agreed that I owe the balance in full.

Midland purchased a bad debt of ours. We were finally able to offer a small settlement amount. We sent our offer in writing, certified return receipt. Company immediately sent us a pre-legal notification, requesting same amount, ignoring our offer. We had requested a cease and desist to call notice, which they seemed to abide by. But we had a small amount of funds to offer, so we phoned them (and all our other creditors who worked with us). From level one to the top manager (supposed top manager Kathi **, and her downline person Richard **). These two people kept me on the phone for 52+ minutes, trying to shame me. I really felt abused. They did not want to accept my offer. They simply should have refused me and moved on. I'll go to the court hearing, no fear there, but they sure tried to intimidate and shame me. I hope their recording was actually recorded, because I'm sure otherwise their documentation will be a probable lie.

About 13 years ago I opened a credit card with another bank. I used the card one time to buy gas for my car. I received the bill and it said I owed a balance of over $600. I called them and they said the charges were processing fees. I told them I was holding the paperwork I signed for the card and these so called processing fees were not in the contract. I told them I didn't want to card. That I would pay the amount I put on the card in gas and I expected them to cancel the card and the processing fees or I would report them to the BBB. They agreed and took my payment for the gas and said the card was canceled. They never closed the card and bounced the debt to collection agencies ultimately ending up with Midland whom contacted me last year.

Received a call on my cell phone. Asking for my brother. How they got my cell phone number is beyond me. They would not tell me what the call was about. When I informed them that my brother had passed away they told me his estate would be sued. The only way I know this is Midland Credit Management is because I called the number back and got a voicemail. The man who called was very hard to understand. He sounded like he was from India or somewhere like that. They wanted me to send them a copy of my brother's death certificate. That sure is not gonna happen.

I received a notice at work my wages were to be garnished!? What!? Well you have to go to court after being served and lose in order for a garnishment. Well Midland served my old address by taping a summons to the door. I obviously did not show up for court and lost. They were trying to garnish thousands. I researched for days. Found out that they are crooks that buy bad debts serve people and win due to no one showing up for court! I went to the court. Served them with a motion to vacate due to improper address being served. We went to court and it was dismissed!! Had I not gone they would have definitely won. Never allow anyone that you do not owe take money from you because you don't know what to do. Research!!

They charge me for the phone calls they made to me to collect balance past due 10 days. They charge $170 late fee. They received my payment 12 days later and did not want to waive it. They have Very poor communication to alert their customer when the balance is due. My.

Today my bank account was 500.00 less than yesterday. I called my bank to ask why I see a hold on my account for 500 plus another 75 on hold. I was told that there was a Legal hold placed on my account for 500.00 plus another 75 the bank charges for having to process the legal hold. I asked my bank who put a legal hold on my account and she said it shows as the LA County Sheriff Department. She said the sheriff sent the legal notice to Chase. So she said I will give you the phone number and you can call them to find out what this is about. So I called the toll free number my bank gave me and the person answers Midland Credit Management. It's not the sheriff dept.

I have an alleged Best Buy account that was taken over by Midland Funding LLC. According to this collections agency I have an outstanding debt on a Best Buy Credit Card. Well I never used a Best Buy Credit Card. These people called sometimes 5 times a day. Anyways they told me they closed this matter and it’s over with. Well that is a lie! They filed a suit in the Monterey Courts which is scheduled for June 29, 2019. I frankly don’t care and will not show up for this hearing. I know that if a judgement is awarded to these crooks they can’t collect from my bank accounts. I only get Social Security which under Law can’t be garnished. I have sent proof this account wasn’t mine and spoken with their Lawyers. Nothing has been resolved except them telling me the case is closed and settled. So why didn’t they close the court hearing? This is a dangerous group of crooks who lie and cheat. They can’t be trusted!!

Please do not use this company! All my credit reports have them falling off by May 2020! However Midland funding claiming my credit reports are wrong & they won't be falling off. They are pissed that the statute of limitations for the state of PA is 4 years and they cannot legally come after me! They expect me to pay but they have no leg to stand on since it's over 4 years and about to fall off credit report!!! They will never see a dime from me! My next step will be lodging a complaint with P State Attorney's office for the threatening letter they sent me.

I received a notification that they had taken over a debt. I wrote a letter the very next day and mailed it to the address on the notice. I received my letter back today with a post office label saying that it was undeliverable as addressed. How can that be when I used their address from the notice? Now it is more than the thirty days that they allow for disputes (my original letter was mailed out on April 5 and today is May 14). I don't know what I can do at this point.

The same guy keeps calling me. I asked him questions because he was very hard to understand. When he called me I was at a doctor's appt. He asked me to go behind the counter and use their computer so I could pull up my bank information and give it to him. I thought this was Insane. He was pushy and kept telling me not to make this difficult. I actually received a UPS envelope after my conversation with him. I went onto the website to enter the acct # and it says I don't exist.

I had some old credit card debt that Midland bought up, nothing huge. They were merciless in calling day and night. I got served court papers back in February of 2018 - they sued me for $1000, wasted money on an attorney to do it, too lol. Watch your backs, because it's legal for them to get a judgement against you, and you'll never know it (luckily, I did). If they are threatening to sue you in court, and they do not INTEND to sue you, get a lawyer asap. In my case, I VOLUNTARILY called THEM and settled I think two other cc accounts, on my own. SO them suing me was ridiculous. I explained that our pay went down for a time, and we couldn't make our payments, but are fixing things!

These people are just horrible! I called to pay off an account and only to find out they added $420 onto the account! They couldn't tell me where the extra amount came from only that they will settle with what the amount the balance should've been which is $555. SMH.

Starting to get daily calls (from different numbers) about a Capital One account I supposedly owe $4000 on. Not sure how they got my number, but this is impossible as I've never had a Capital One account with a limit over $600.

My husband was contacted for a debt to be paid and after the scare tactics of threatening to go to court he authorized me to speak with the representative. I asked for a debt validation letter to be sure this wasn’t a scam. And was told it was a tactic to buy time. Then I was hung up on. He refused to speak to me when I tried calling back. If this was a real business I doubt their customer service is that awful. I contacted my credit card company and they had place my acct. with Atlantic services NOT Midland. Sound like SCAM?

I’ve sent in police report and dispute through certified mail for 1 fraudulent account from 2014 that I had never heard of. I am currently trying to fix another account they have as well and I can’t pay it online because it tells me to call in. Calling in goes to voicemail. I have been leaving voicemails with account number, name and phone number so I can get this all taken care of and NO ONE IS RETURNING MY CALLS! What is going on with this business? I am afraid this is a scam??? Which would really suck because I’ve already taken care of another account last month through them... I am really worried. Where did this company go? Is it even real?

I received a call from Midland Credit management about a $655 balance in collections on a card that doesn't exist on an account I've never opened. I explained this to the woman as I was looking at my credit report to verify. Her response was "Oh, that seems fishy, maybe we have the wrong person. Can you provide the last four digits of your social security number?" I then hung up immediately. Sounds a lot like a scam to me.

My Best Buy account was taken over by Midland Credit Management, who took me to court for the funds owed. I had contacted Consumer Credit Counselling Service (CCCS) to assist me, prior to the court date. I made my payments monthly through CCCS. In September 2018, I made my final payments to CCCS for all my bills owed. CCCS sent all my pay-offs to my creditors on September 24, 2018. They were all posted and my accounts cleared, except for Midland. Although Midland received over $1,200 as my pay-off, they are still showing that I owe them.

I've called them on my own, for a debt of 600.00. The lady I spoke to was very rude and demanding when I called back to make my good faith payment. I sent an email to the company, letting them know I would no longer speak to them on the phone. Due to my hardship and disability, refused to take that nonsense talk. I understand they are attempting to collect an debt but their website states they would work with you on payment. She refused to send a updated letter in the mail so I can make payment. I owe as of now 300.00. Let's see if I get an email or letter?

The best advise I can give is do not ever answer the phone if these guys call. After daily calls with no voicemail I decided to answer. They began talking about an account I never opened and was already disputing. The account was opened almost seven years ago and I've been trying to get it off my credit report almost that long. I explained to the heavily accented guy that this was not my account and he tried to have me log in to their website to look at "my account." I refused as it is not mine so he told me to get a police report, which I did, and write them a formal dispute letter, which I did and mail it into them, which I did.

Was speaking to a representative at Midland about credit repair and then out of nowhere they just disappeared and then never helped me with my credit. Not sure if he got fired or he just didn't want to help me but was not happy about being ignored.

I received a MCM letter offering me the standard 40% payoff amount. I was given to Oct. 6, 2018 to pay the reduced amount. I called on that day because I had scraped the money together just for this situation because I want to improve my credit. I was informed by the heavy-accented, American-named male that even though I am making the payment, my credit report will show that the amount was not paid in full so I will still have a negative report. He sounded so excited that he had a "live one" on the phone who wants to pay their bill and he was not letting me go. I was not happy with the negative credit report option but I was ready to pay anyway. I gave him my card number and it was rejected.

Starting in December 2017, I began receiving phone calls from a number of different states. I chalked them up to being wrong numbers. Since I sleep days, I don't answer the phone. The calls started increasing in number, still appearing to be from different states. After Googling the numbers, I saw that nearly all of them traced back to some company called Midland Credit Management. I've never heard of them, nor do I owe them a dime. My bills are all paid and current. I didn't get an 800+ credit score by not paying my bills, after all. I sent them a certified letter telling them to stop calling me, that they've obviously got the wrong number. It didn't do any good. If anything, it made it worse! I finally had to get my phone number changed, which was a huge hassle. The calls stopped for about 2-1/2 months.

I had a debit that Midland Credit Management that came from Citibank back in 12/30/2015. On 7/8/2018 an agreement was made between both parties that on a $1,726.23 debt I would pay $1,035.74. 40% off to resolve my acct there. Generated check no 20,000 in the amount of $1,035.74. Cleared my bank on 7/11/2018. They reported the amount paid but will not remove the balance leaving $690.49. Have been given many different excuses from debit card. Would have resolved 2-3 days but check takes 30 or more days. They can confirm check cleared but takes time for system after which I was not informed of prior to payment and was out of work until 8/10/2017 because of special needs child and single parent. After the harassment with phone calls for a couple of months told them to quit calling. I would get a hold of them when I could pay. They started to harass my mother.

Set up a payoff plan to pay really old debts totaling 15,000 bucks. Pulled from 401k to settle it. My payment was 2 weeks on hold so my payment to MCM was going to also be two weeks past negotiated payoff date. Would they change the date to help me pay them 15,000 damn dollars?!?! Nope. 3 months later they sued me. I used 3200.00 out of the original 15k for a lawyer and had case thrown out. Their lawyer didn’t even show up with documentation validating my debt. Saved me a ton of money being complete idiots. DO NOT give these guys a dime. Not even sure how they’re still in business. So unprofessional and lack basic communication skills.

So, I had a Best Buy card that unfortunately went default. I was homeless at the time and had been unable to make payments on it. Eventually, contact about it completely stopped. Fast-forward two years later and I'm living in a different state in a better financial situation. A letter was sent by this company to my family at my old address and they got worried about it. Being better able to take care of it, I looked into the company. Everything on the surface "seemed" fine. It seemed professional and I didn't notice any red flags off the bat that led me to believe it might've been a fraudulent company. As it is, I'm still not sure, but the reviews here have certainly made me feel better about that decision.

Sent me a letter stating it was a pre "court settlement." I called them and said, "Yes, let's do go to court." I was giving her all the information necessary to "take me to court," so I could expose them for the criminals they really are. She said "No I don't need that." I said, "Do you have illegal workers without green cards in this office. Dial tone... ICE you need to get these people back to where they came from. This country is allowing its hardworking citizens to be robbed by these criminals.

First of all MCM called my unlisted phone. Don't know how they got it. About an account that I am disputing through Credit Karma. I am saying it is not mine. I asked for them to send me a statement of the charges and where they were charged before any kind of arrangements are going to be made. They agreed. Within 10 day I did not get a statement but a bill with 3 different options to paid and the bill had been switched from my name to my husband's name. I am not sure that is even legal. I wrote them and told them that I did not receive the statement.

This company call center has obviously moved overseas. Recently I closed a secured credit card because the card switched banks. Somehow my small balance of $65 ended up in collections with Midland Credit management. I settled the account for $98 so I could get my $800 deposit back. I called for verification that the account was paid in full and that letter to be sent to me. The letter arrived with an account # to MCI/World Com. A company that no longer exists for almost 20 years and a company I never did business with. I called to see if it was honest mistake. When asked to speak to a supervisor, I sat on hold for 5 minutes. I called back and the young lady told me. "What do you expect from us?" This company is now overseas pocketing people's money. It's just $100 but I cannot imagine paying off thousand of dollars to be scammed like this.

I called Midland Funding Llc and requested documentation of the purchase of my card and they stated they do not have this. Don't you think that is strange. I know when I purchase something of value I receive documentation. This company is sketchy.

Just got a phone call from these scammers. I feel horrible for these people that get scammed by these guys... THEY ARE NOT A REAL DEBT COLLECTION AGENCY. First of all, if you owe money, the bank you ORIGINALLY borrowed from will try to contact you and only them! They send letters first, and my key is never answer a phone number you do not know. Screen it by letting it go to voicemail. Call back and never say the actual word yes to anything. My first clue this was a scam is that they couldn't tell me what they were calling me about until I gave them my social? That way they could look me up in some sketchy computer program that gives them all my info... HELL NO! Stay far away from this company as possible. For those dealing with them now, try to cancel your payments and close out any checking accounts they are taking money from so they won't be able to do so anymore! I hope the police/FBI get a whiff of these guys...

These thieves have tried collecting a debt that is way past the statute of limitations in CA. In addition they have threatened me and my 80-year-old mother. I have had the same # and address for many years and not once sent me proof of any debt owed or any court documents. There is also nothing reporting on my credit report. I have excellent credit and I refuse to let these jerks mess it up. Don’t give any info and always ask for proof which they can’t seem to produce. Sad world we live in folks but always gotta be on your toes.

These people contacted me several times regarding a debt for my son. I forwarded the information onto him. Because of his job he decided it wasn't worth arguing about a debt he knew was not his for $280. It was some internet debt... He thinks it was his old roommate using his info... But they kept calling me so I read the reviews here and told him to cancel the card he used to pay them. He didn't do it in time and they took out 2 different transactions in the amount of $650 from his bank account without his permission. AND they are still trying to call him and collect money. We will be contacting an attorney and filing a complaint. I am not sure why this company is still allowed to practice in the state of Arizona. I deal with a collection company for my business (I'm the one reporting the debt) and they would never do this type of underhanded business. Real collection agencies DO NOT take out money without permission.

Obviously being a debt collector they SHOULD be interested in closing accounts. I called them and asked for a 10 day payoff amount and they proceeded to bully me and tell me they weren't sure if they could close the account. (UHMMM YOU'RE JOKING!?) They then asked me where I'm getting the money to pay it off and why I haven't paid it in the first place and asking for every detail of my life when I said we got into some financial issues they kept pressing on and on. He said that I had been paying for my PUD and Comcast (how they can see that I'm not sure) but I felt very violated.

Midland is driving us crazy, calling day and night, both my husband's number, and mine. We made arrangements to pay one bill, and now they're hounding us for another. I can barely sleep, we don't have anything to take but they are going to give it a try anyway. I can't get a lawyer right now, so doing tutorials on how to defend myself. PLEASE people, don't get on free credit score websites that give you "advice" on credit cards!! It will ruin your life. I really think most people are good, and they want to try and better themselves, and just end up over their heads, embarrassed and ashamed.

These people are relentless! They harass and harass and when they can’t get you they call anybody with the same last name. 6,7,8 times a day! Never leave messages and don’t speak English. I have reported them to the Attorney General and the BBB, hope they all get put under a rock with their name on it!

I received a phone call today from Manny ** at **. I told Mr. ** that this was a work number and we were not allowed to receive non-related work calls. At this time, I assumed Mr. ** was a telemarketer. He proceeded to ask me to verify my name over and over. I stated, "I said my name when I answered". He then proceeded to go into a script about a debt and legal action; despite me repeating, "I cannot have non-business related discussions on this line." After a moment, I stopped him and said, "What is the name of the company you are calling from" and he told me Midland Credit Mgmt.

Midland credit is going to kill my father!!! They zeroed out all my bank accounts including my father's because I was joint on it. He was 87 with failing health with breathing issues and I’m his caregiver. I was unable to get him food or his medication and if I can’t get necessities of life he will pass away. I’ve called them to make payment arrangements and they refused.

My father passed two years ago. Apparently he had an account with Midland and a lien was placed on my mother's home. During a re-fi it was discovered and needed to pay off debt to clear title. I placed no less than 20 phone calls to RHONDA ** and SHANICA ** with no response. The title company also left several messages. These people will harass and threaten when you owe money but when you want to pay they do not respond. I hope these two woman rot in hell for the delay in refinancing they are causing my mother.

This company really just won't quit! For the past month, they've blown up my phone, either from an unknown number or various 1-866 numbers. When I finally spoke with a representative, I was told about a debt I have with Credit One Bank and they said I owe 1,134 dollars. First of all, I do owe money on this particular credit card but my outstanding balance is def not 1,000 dollars. They pressure you to give your card/bank info in order to set up a "Payment plan" in order to rid your debt. Real debt collectors don't call asking for your card info, they send letters first. I played along with the representative although I knew it was a scam from jump.

I received a call from "Louis **" with regard to a debt they collected from Citibank for a Sears MasterCard. The account was opened in December 2014, but last payment on the account was 1/5/17 - and then payments stopped. The accrued balance now due is over $6K. Louis confirmed our home address, my husband's date of birth and social security number. He even told me some of the charges on the "account". This seemed all legit - especially the charges - as they were all local businesses that we frequent often.

They keep trying to get my bank account number but they already have my card number and the security code on back. And the Midland Credit Union I deal with is in the UK not the US. I know there's one in the US. I got mixed up with these people through Aspen Dental on Airport who signed me up for CARE CREDIT. ALL THEY DID WAS CLEAN MY TEETH WITH WATER AND A PIX. AND I HAD TO PAY OVER $800. Best advice stay far away from Care Credit and Aspen Dental because they sent my account to the UK and I'm in Alabama. WTF!!!! There's a Midland Credit Union in the United States. Anyways I'm down to 176.00 when I started at $586. I had to apply for that because I lost two jobs right before the holiday and now they're threatened me. Oh please report me. My credit IT'S ** up anyways... RUDE INCONSIDERATE WORKERS.

I am not sure what type of people would work for a company like this. They told me a sheriff was on his way to arrest me. Well I told him that in the US that cannot happen over a debt. He then told me he personally was on his way to serve me with papers. I asked him what time he would be there so I could be waiting outside and he hung up. I must have had 20 calls always threatening. They start out rude and get worse. You cannot block the phone numbers so not sure what to do.

I called them to go over a plan and see what I could do. I felt like the man was trying to pressure me into something I couldn't do. I said what I could do then he said ok. At the end of the call he changed what I said and said, "OK you could do that twice a month." I felt like I couldn't trust them and doing anything with them. I hung up and then Googled and saw all these reviews. Made me scared to trust them after my phone call now more so after seeing all these comments. When I first called I got a nice lady. Then transferred me to a really nasty person. The things he was saying and how he was treating me was so nasty.

I receive calls regularly from these people, you cannot block their number because they will just use a different one. They are now down to the level telling me that my step-son is in danger and to call back immediately. I've encountered most of their ploys over the last four years but using the ploy to concern or cause fear for a parent about the health or life of their child is downright twisted. What is even nastier is they went through my friend requests on social media and are using those names in their calls. I do not use social media for anything other than private messaging since it is very hard for me to use my phone due to poor eyesight and lack of fine motor control so the computer allows me to communicate and is my biggest connection with the outside world.

This debt collection agency is unlawful. I sent a money order from a Nationwide Bank to pay off my debt, and they followed through with wage garnishments. DO NOT PAY THEM! Go back to the creditor. They will work with you. Now I have to deal with getting my money back and dealing with the hassle of this issue. Being a full time college student and working full time, this is going to be almost impossible. They need to be reported.

I made a payment arrangement with this company, on three separate occasions they took double the amount of money out of my account. And now have taken money out of the account without authorization to the point I’ve had to call the bank and stop payment. They don’t speak hardly any English and are incredibly rude and are just flat out dumb. There’s no other way to put it. I can only hope they get put out of business.

Midland Credit Management, LLC or also known as MCM should be considered a harassment company versus a debt collection agency. I recently changed my address and went into the MCM payment portal to update my information. I have received calls in the past and unfortunately in a bad spot and don’t have the extra funds at this time to pay. I have assured them though I’ll make minimum payments whenever I can. Which I’ll make small payments on the portal when I am able to do so.

These people are just a legal system assisted scam. I had a $800 credit card charge off in 2008 that was sold to this company. They took me to court (I NEVER received a summons) and they got a money judgment for $1200. I refused to pay them and they garnished my wages, bank account, and even called my house at all hours of the day and night. They almost got me fired from my job by calling so much and telling my boss "she's a loser that doesn't pay her bills." It is 2017 and they have yet again garnished my bank account. As of today I have paid them over $4500. My best advice is get a lawyer if you ever even get a scrap of mail from these people. I wish I would have in 2008!!

This so called Consumer Experienced Business has disappointed me so badly the whole experience has left me with a bitter taste in my mouth. I value my credit and have paid these people per arrangement but they TOOK MONEY out of my account unauthorized. I would appreciate my money back in my account. They are not answering 8663610420 or 8664522381 or the regular Midland Credit number. The guy lied - he said they were closed yesterday which they were not!!! Ugh! Ugh!

I am writing this review in protest against this company. I am a senior citizen who has been taken advantage of this company on a debt that was due more than 10 years ago. They called me and sent letters regarding a debt and I was harassed to a point of me making payment arrangements for this debt. I am still paying monthly for this debt and feel that I have been taken advantage of after a family member told me to write a review and give complaints about them. They have already taken over 1000k from my account and I am on a fixed income. Hope something can be done with companies like these.

I was called by these people twice this week. The callers were from an India call center. They kept telling me I owed several hundred dollars on a credit card account from 2009, an account I have never heard of and that doesn't show on my current credit report. I tracked down a 1-800 number on their website that was listed out of San Diego. When I spoke with a representative at that number, I was passed to an "account manager" which surprise, surprise, was another Indian speaking gentleman.

This John character keeps harassing me from multiple phone numbers claiming I took out an internet loan in 2007 and that it was unpaid. He threatened me saying I had a warrant out. This so-called loan was taken out and held on a bank account with a bank I had never been associated with. I asked repeatedly for a copy of something with my signature and he said he could not produce that till I paid the account in full. I fell for this scheme once a couple of years ago when this same company threatened me. I gave them a payment over the phone just to get them to stop the threats. They refuse to mail anything in writing. This imaginary debt is over 10 years old anyway and beyond Florida Statutes. Our government should shut these people down. At this point it may be worth retaining legal counsel to sue them.

I have never had an account with Walmart, but this company keep on sending phishing mail that I owe them money, I am thinking of taking them to court and suing them for at least 100K for bothering me. They once agree to not send me any more mail but keep on doing that.

Collection Harassment - Numerous calls per day as early as 8 am ET till 9:30 pm ET. They have been notified several times of an Attorney has been retained and a Bankruptcy filing is in the process. They still keep calling me and family. The latest, a letter was received from Midland with threats of referring it to a local Attorney for a lawsuit without any regards to the Bankruptcy in the process.

I'm not home often, they have been calling my number, a friend of mine has been answering. Because she can't tell them where I am, they have started getting a really smart attitude with my friend. I told her not to give any names, they asked her name and when she wouldn't give it, he (John) was almost nasty. He wanted to talk to someone else. She was by herself, he said he heard voices, she told him it was the TV. I WANT TO TALK TO SOMEONE ELSE, I HEAR THEM, by then she was about to hang up because he was so rude! That's not how you deal with people!

This company is stupid. They just sent a letter on some really old debt that they inflated to 5x the original amount that is out of statute and can't be reported to the bureaus and asked me to pay. Are they kidding? How stupid can they be? I will never call, talk to or acknowledge anything with them ever! If they try anything funny I will sic an attorney on them so fast. I have so much documentation on their illegal communication and processes and I will use it. Personally I want them to just slink off into the darkness they came from and never enter my world again. I don't even owe this debt. It was paid long ago but apparently they think otherwise.

I got stuck with Midland because my Dentist's new employee sent me to an Oral Surgeon on South Cobb Dr in Smyrna. That Oral surgeon's Financial person "borrowed" money from Lending Club in my name, to pay for the surgery. I didn't know this is what she was doing until after I got the bill. I thought I was making a payment plan with the oral surgeon's office. Well, she told me the bill would be $47 per month. I told her that even though I don't get paid at all during Summers and sparingly during the other months because of the nature of my job, I still figured I could handle $47 per month. Well, a bill came from Lending Club (???) for $157 per month.

I received several collection notices from Midland Credit Mgmt, in Sept 2016, over an expired, long paid debt. Because I'd previously dealt with them, I took legal action this time around. Unsurprisingly, months later, they responded to my attorney with several letters or notices, of the legal action as being "too cumbersome" to continue pursuing, and backed out, for avoiding court action. No further word or harassment from them since.

Recently, my income was reduced to half of what it was due to a job change. As a result, I had to stop paying on some lines of credit. Midland has picked up those accounts and now all I get are automated phone calls and recently have been getting "Pre-Legal Notification" letters in the mail. Also, today my parents received a phone call from Midland looking for me. The letters I got in the mail today (7/14/17) are dated June 30, 2017 and they state I have until July 15th to contact them regarding the accounts. I got home from work at 515 pm and cannot get through by calling the number provided on the letters. Really?