I recieved a call today from this company, and after saying hello 4 times someone actually answered. The first thing he asked was for my Social Security Number. I asked him if he was stupid. I was not offering my SS number to anyone let alone someone I didn't know. He proceeded to tell me what the last 4 of the number was and when I said that was mine he told me what he had for my name ( which was wrong) When I informed him he was incorrected he got rude and told me his record was right and I needed to pay T-Mobile $1000.00. I told him he was nuts and not only did I never have T-Mobile ( I am a Verizon customer for 22 yrs) but The name he has was not mine. I also asked how he got this home number since it is registered to a business that is not in a persons name. He said it was none of my business and wanted to know how I was going to pay for this. I demanded to speak to a superviser and he hung up on me.
Person came to the door with a summons that had my daughter's name on it for some debt collection. The summons had a birthdate for a much older woman, which showed it obviously was not my daughter that had acquired the debt. I was not home, and my wife foolishly gave the man my daughter's SSN so he could "clear up the error". After the man left, I looked the name up on the internet and found the woman had lived in a city about 80 miles away. About a month later another man came to the door with another summons for the same debt with my daughter's information on it. Obviously they could not find the woman, and decided to change the information in their files to match my daughter instead. My daughter was not even living in this area and would have had to spend more than the debt was to go to the city/court that the summons was for (which was also 80 miles away from us), to defend. We sent a copy of the original summons with the other woman's birthdate on it to the court to show that Midland had falsified the data. The obviously corrupt judge awarded Midland credit anyway, which resulted in a order to garnish. Not only is Midland corrupt, but obviously the judge takes bribes to ignore clear evidence. Even if she had still lived here and had gone to court, how do you prove you did not run up a debt, that a corrupt collection agency says you did.
With so much being approvable over internet and phone, any company can claim you ordered something and did not pay, and the current laws require you to prove somehow you did not, which is impossible. I am sure if you have a lawyer, you can win, however the cost for that to the average person is more than the debt. Even if these people only manage to bully a fraction of the people into paying due to fear of court orders, the cost to the company to keep a lawyer (that is probably so incompetent this is all he can do), constantly filing these cases is likely much less than the payments.
THIS LETTER WILL BE USED AS EVIDENCE AGAINST THE FOLLOWING PERSON(S) IF THEY DO NOT MAKE A KIND ATTEMPT TO CONTACT ME AND MEET MY DEMANDS:
David B. Snyder, SBN: 183693; Stelios A. Harris, SBN: 242116; Karen L. Etsell, SBN: 272739; Mishaela J. Graves, SBN: 259765 Midland Funding, LLC 10601 -G Tierrasanta Blvd #4540, San Diego, CA 92124
If you truly exist and are not merely corporately fictional characters, I challenge you to contact me at my home phone number (805) 500-3098 and leave me a message indicating that you will drop the charges (in the case #12A01299) as all calls will be screened and recorded for admittance in a court of law, should I decide to countersue your entity or entities, which I am filing a motion to do.
Let's make one thing clear: I received communication from someone whom I used to live with, that a "paper" was presented to her (first name is "Alysha") and, in truth, I was never properly served any documentation directly from your company. All I have in my posession is a legal judgment which was forwarded (more than once) to me from at an address that I used to live at.
I demand you to drop and cease all your collection efforts and expunge any said claims you may have against me. It's quite clear to me, after receiving collection letters in Spanish (a language I'm not fluent in and rarely speak) that someone has maliciously stolen my identity and your organization only serves to perpetuate the fraud levied against me in this case. I have already attempted to call your agency more than once, and I'm not sure that you're operating legally, and I'm willing to give you the benefit of the doubt, as I'm certain that my identity was stolen.
If you do exist as a collection agency, then you would be able to reference case #12A01299 in which you claimed a $7,336.04 judgement against me on the day of January 10th 2013.
Because you have failed to properly serve me the required document, your action against me has been deemed as fraud and I will not stop in my attempt(s) to seek legal cousel from my friend, the attorney Thomas Mesereau and his legal aides, as well as my biological father, William J. Wagener, who can expose you, your image, likeness, and your very person(s), via his television show, On Second Thought, which is now seen worldwide.
I'm quite certain that you will attempt to contact me after you read this, if you are real and you want to clear your good name. Thank you. You can reference my name from your accounts, apparently, as you did when I called you earlier.
Samuel told me that the loan papers had been sent to coury and he would see me there. I never took out a loan with them. They had my social security number, my address. Laura Ga.
Midland Credit Management contacted me in 2012, for a debt they said I owed to T-mobile in 2012, meanwhile they put a negative on my credit, I told them I didn't owe T-mobile or them anything. I got a package phone deal from T-mobile for my business in Inglewood, Califorina, which, would inable for me to advertise over the Internet, but, it never worked, I complained to T-mobile, they said to try it for 30 more days and it if didn't work, no charge, just return the package, it didn't work and I returned the package within the 30 day period.
I didn't hear from T-mobile after I talked to them and told them I returned the equipment within the 30 day period. Evidently they (T-Mobile) disagreed and sold the bogus debt to Midland Credit Mangement? If, I owed it, I would pay it, they have offered to settle the bogus debt for approximately 2/3rds ($239.63)of what they claim I owe ($399.39) them, but, I do not owe it and I will not pay it! I have just filed a complaint with the FTC TODAY! I was going to start a class action lawsuit against them (Midland and T-Mobile), but, I see a class action lawsuit against Midland Credit managment was just settled for over 5 million dollars, but, I am game to do it again, ASAP! I am waiting for a lawyer to call me now. Midland Credit Managment have harassed me day and night, phone calls and letters, THEY HAVE AFFECTED MY HEALTH and stopped me from obtaining credit to buy a house, or, get a loan for a house. I have asked them to stop numerous times, I am 100% fed up now and amd going after them in every and any legal way I can. I will not pay something I do not owe, it is the only ding on my credit report, but, not for long I hope and pray.
I am writing to in response to a letter I received dated 02-07-2014 demanding payment from me for a debt I do not believe I owe. To date, you are the fourth debt collector that has contacted me regarding this debt, which, incidentally, I have no knowledge of. Therefore, in accordance with my rights under the Fair Debt Collection Practices Act , Section 809(b), I am formally requesting that you provide me with the following:
1. Proof that I owe this debt,
2. Proof that you own this debt,
3. Proof that you are licensed and attempting to collect this debt legally,
4. Proof that the amount you are asking for is the amount that I actually owe,
5. and proof of the last payment made on this account.
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights:
• Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense.
• You cannot add interest or fees except those allowed by the original contract or state law.
• Any attempt to collect this debt without validating it violates the FDCPA.
Also be advised that I am aware of the recent government actions and subsequent ruling against your company for violations of the law regarding debt collections, attempting to collect debts from the wrong people and the filing of false affidavits in court. I am aware that the judgment against you requires you to, before any collection attempt is made, to investigate the matter and, if you cannot substantiate the debt, close the account and correct any adverse credit reporting. Be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB), then you must immediately inform them of my dispute with this debt.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA.
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Midland Credit Management Reviews
I recieved a call today from this company, and after saying hello 4 times someone actually answered. The first thing he asked was for my Social Security Number. I asked him if he was stupid. I was not offering my SS number to anyone let alone someone I didn't know. He proceeded to tell me what the last 4 of the number was and when I said that was mine he told me what he had for my name ( which was wrong) When I informed him he was incorrected he got rude and told me his record was right and I needed to pay T-Mobile $1000.00. I told him he was nuts and not only did I never have T-Mobile ( I am a Verizon customer for 22 yrs) but The name he has was not mine. I also asked how he got this home number since it is registered to a business that is not in a persons name. He said it was none of my business and wanted to know how I was going to pay for this. I demanded to speak to a superviser and he hung up on me.
Person came to the door with a summons that had my daughter's name on it for some debt collection. The summons had a birthdate for a much older woman, which showed it obviously was not my daughter that had acquired the debt. I was not home, and my wife foolishly gave the man my daughter's SSN so he could "clear up the error". After the man left, I looked the name up on the internet and found the woman had lived in a city about 80 miles away. About a month later another man came to the door with another summons for the same debt with my daughter's information on it. Obviously they could not find the woman, and decided to change the information in their files to match my daughter instead. My daughter was not even living in this area and would have had to spend more than the debt was to go to the city/court that the summons was for (which was also 80 miles away from us), to defend. We sent a copy of the original summons with the other woman's birthdate on it to the court to show that Midland had falsified the data. The obviously corrupt judge awarded Midland credit anyway, which resulted in a order to garnish. Not only is Midland corrupt, but obviously the judge takes bribes to ignore clear evidence. Even if she had still lived here and had gone to court, how do you prove you did not run up a debt, that a corrupt collection agency says you did.
With so much being approvable over internet and phone, any company can claim you ordered something and did not pay, and the current laws require you to prove somehow you did not, which is impossible. I am sure if you have a lawyer, you can win, however the cost for that to the average person is more than the debt. Even if these people only manage to bully a fraction of the people into paying due to fear of court orders, the cost to the company to keep a lawyer (that is probably so incompetent this is all he can do), constantly filing these cases is likely much less than the payments.
THIS LETTER WILL BE USED AS EVIDENCE AGAINST THE FOLLOWING PERSON(S) IF THEY DO NOT MAKE A KIND ATTEMPT TO CONTACT ME AND MEET MY DEMANDS:
David B. Snyder, SBN: 183693; Stelios A. Harris, SBN: 242116; Karen L. Etsell, SBN: 272739; Mishaela J. Graves, SBN: 259765 Midland Funding, LLC 10601 -G Tierrasanta Blvd #4540, San Diego, CA 92124
If you truly exist and are not merely corporately fictional characters, I challenge you to contact me at my home phone number (805) 500-3098 and leave me a message indicating that you will drop the charges (in the case #12A01299) as all calls will be screened and recorded for admittance in a court of law, should I decide to countersue your entity or entities, which I am filing a motion to do.
Let's make one thing clear: I received communication from someone whom I used to live with, that a "paper" was presented to her (first name is "Alysha") and, in truth, I was never properly served any documentation directly from your company. All I have in my posession is a legal judgment which was forwarded (more than once) to me from at an address that I used to live at.
I demand you to drop and cease all your collection efforts and expunge any said claims you may have against me. It's quite clear to me, after receiving collection letters in Spanish (a language I'm not fluent in and rarely speak) that someone has maliciously stolen my identity and your organization only serves to perpetuate the fraud levied against me in this case. I have already attempted to call your agency more than once, and I'm not sure that you're operating legally, and I'm willing to give you the benefit of the doubt, as I'm certain that my identity was stolen.
If you do exist as a collection agency, then you would be able to reference case #12A01299 in which you claimed a $7,336.04 judgement against me on the day of January 10th 2013.
Because you have failed to properly serve me the required document, your action against me has been deemed as fraud and I will not stop in my attempt(s) to seek legal cousel from my friend, the attorney Thomas Mesereau and his legal aides, as well as my biological father, William J. Wagener, who can expose you, your image, likeness, and your very person(s), via his television show, On Second Thought, which is now seen worldwide.
I'm quite certain that you will attempt to contact me after you read this, if you are real and you want to clear your good name. Thank you. You can reference my name from your accounts, apparently, as you did when I called you earlier.
Samuel told me that the loan papers had been sent to coury and he would see me there. I never took out a loan with them. They had my social security number, my address. Laura Ga.
Midland Credit Management contacted me in 2012, for a debt they said I owed to T-mobile in 2012, meanwhile they put a negative on my credit, I told them I didn't owe T-mobile or them anything. I got a package phone deal from T-mobile for my business in Inglewood, Califorina, which, would inable for me to advertise over the Internet, but, it never worked, I complained to T-mobile, they said to try it for 30 more days and it if didn't work, no charge, just return the package, it didn't work and I returned the package within the 30 day period.
I didn't hear from T-mobile after I talked to them and told them I returned the equipment within the 30 day period. Evidently they (T-Mobile) disagreed and sold the bogus debt to Midland Credit Mangement? If, I owed it, I would pay it, they have offered to settle the bogus debt for approximately 2/3rds ($239.63)of what they claim I owe ($399.39) them, but, I do not owe it and I will not pay it! I have just filed a complaint with the FTC TODAY! I was going to start a class action lawsuit against them (Midland and T-Mobile), but, I see a class action lawsuit against Midland Credit managment was just settled for over 5 million dollars, but, I am game to do it again, ASAP! I am waiting for a lawyer to call me now. Midland Credit Managment have harassed me day and night, phone calls and letters, THEY HAVE AFFECTED MY HEALTH and stopped me from obtaining credit to buy a house, or, get a loan for a house. I have asked them to stop numerous times, I am 100% fed up now and amd going after them in every and any legal way I can. I will not pay something I do not owe, it is the only ding on my credit report, but, not for long I hope and pray.
I am receiving phone calls at all hours of the day, multiple times a day. I am on a "do not call list".
I am writing to in response to a letter I received dated 02-07-2014 demanding payment from me for a debt I do not believe I owe. To date, you are the fourth debt collector that has contacted me regarding this debt, which, incidentally, I have no knowledge of. Therefore, in accordance with my rights under the Fair Debt Collection Practices Act , Section 809(b), I am formally requesting that you provide me with the following:
1. Proof that I owe this debt,
2. Proof that you own this debt,
3. Proof that you are licensed and attempting to collect this debt legally,
4. Proof that the amount you are asking for is the amount that I actually owe,
5. and proof of the last payment made on this account.
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights:
• Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense.
• You cannot add interest or fees except those allowed by the original contract or state law.
• Any attempt to collect this debt without validating it violates the FDCPA.
Also be advised that I am aware of the recent government actions and subsequent ruling against your company for violations of the law regarding debt collections, attempting to collect debts from the wrong people and the filing of false affidavits in court. I am aware that the judgment against you requires you to, before any collection attempt is made, to investigate the matter and, if you cannot substantiate the debt, close the account and correct any adverse credit reporting. Be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB), then you must immediately inform them of my dispute with this debt.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA.
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Siincerely,