Midland – They Got A Judgement Against Me A Year and Half Ago, But Still Updating Deliquency

Jan 142011
 

Hello Everyone,

 

Like so many people here, I went through Midland hell for years!  A year and a half ago, I decided to try to dispute them in court.  I spoke with someone at the county clerk who gave me instructions on what to do.  I got all of my documentation together, sent a copy to the court and then to Midland.  I came here a few weeks ago and was posting about my progress.  Someone suggested that since I had not heard from the court, it was possible that a judgement had been entered -  I called the court, and that was exactly what had happened, just 3 or 4 days before.  I was told that they entered a judgement against me because in my documentation to the court, I did not include proof that I had sent the same records off to Midland, something that I had not been previously told that I needed to do.  I went down to court with my certified mail receipt, and that was not enough.  I was told that there was nothing I could do.  So Midland got a judgement against me for nearly $1200.00 that I did not owe – it was for a Visa Aspire account that only had a 400.00 or so credit line many years ago.

 

The judgement is there ruining my credit and I have not paid it.  Tonight, I checked my Transunion CR for the first time in nearly two years, and Midland is still reporting this count every month as a recent deliquency.  Can they do this and still ding me with the judgement as well, essentially report against me twice for money that I simply do not owe them in the first place?

 

Thanks,

 

Frustrated!

Check or money order to pay settlement?

Jul 132010
 

Received a settlement offer that will be accepted.

 

“Payment is to be made in the form of Money Order, Personal Check, Cashier’s Check, or Certified Check.”

 

What is the best form of payment to use?  Personal Check would be the easiest since I wouldn’t have to go to the bank but I thought that you should never send a CA a Personal Check. 

 

Any thoughts??

 

Thanks

What next, please?

May 102010
 

I know we’re not supposed to talk about HIPAA but this isn’t actually HIPAA.

 

I had 5 medical collections with the same CA.  I PIF all 5 accounts in February to the OC – verifying that the certified funds were all cashed.  I disputed the accounts with all 3 CRAs.  TU deleted all 5 accounts.  EQ deleted 2 of the 5 and verified the other 3.  The 3 that were verfied weren’t even updated as paid.  What do I do now?  DV the CA again?  File a complaint?  Right now I’m stuck.

 

Thanks!

Sending a DV Letter Certified Mail

Apr 212010
 

Hopefully this isn’t a dumb question:  I want to send out ao DV letter to National Credit Solutions for an alledged BMG Music Service account .  According to my Experian credit report it was opened on 12/2008.  I’ve never had an account w/BMG.  I also never received any communication from BMG or NCS ever in life.  This is not my first time sending them a DV letter.  The first time they sent back some mess in a grid that told me nothing about they account.  I want to know when they account was opened, what address whatever the heck was ordred was sent to, something tangible to show proof.  I immediately sent another DV letter back advising that wasn’t satisfactory & they never responded.  I’m almost tempeted to just send a PIF letter to get it off my report but I’ve been reading that apparently this is a company that preys on people that will do that.  So, I’ve looked around & gotten a sample DV letter but I’m confused b/c it wants you to list your certified mail number on the letter.  Now, I’m thinking that I’m not going to obtain that number until I go to USPS & at the time my letter will already be in an envelope, so if that’s the case how can I include that number in my letter.  Can someone please advise how they send out their letters certified & which option you select?

Help with Debt Validation (not medical)

Apr 062010
 

My daughter is 19 and joined the military earlier this year and I’ve been helping her build her credit.  Last fall she moved out of her apt. she shared with her roommate and they moved into another apt.  She recently printed her credit report and there was a collection from Tenant Tracker for over $1,000 from her old apt. place!!  She never received anything from them — at all and neither did her roommate.  She actually got out of her last lease through the military enlistment but on her other apt., she did give notice prior to moving.

 

I sent a debt validation letter found here on the forums, requesting a full media validation.  I sent this certified mail, return receipt requested.  We did get the green card back and although they did not date it next to the signature, it has the postage mark of 3/26.  A few days ago, she received a letter dated 3/30 with a very generic breakdown of charges — basically like $400 for cleaning, $300 “other” and $300 for collection fees!!!  They did not provide any other documentation.

 

Also, at the time I sent the debt validation letter to the CA, I also sent one to the CRA disputing the item.   

 

So now that the CA sent this form letter AFTER the requested media validation — is this legal “validation” of debt — them simply saying she owes it and here’s how we calculate the charges?  If not, what do you recommend our next step be in taking care of this or keeping it off her credit? 

 

The apt. she moved from was a total dump.  Her and her friend took over her friends mom’s lease with both their names.  She believes the CA may be trying to stick her with the full amt they are trying to collect.  How can we find this out for sure if this form letter is all they sent? 

 

Thanks!

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