Midland Funding, LLC and Your Credit Report

Who is Midland Funding, LLC?

Midland Funding, LLC is one of the country’s biggest junk debt buyers. Midland buys old, charged off debt (usually credit card debt) for pennies on the dollar. Midland then attempts to collect the full amount of this debt from hapless consumers. Junk debt is often referred to as “Zombie Debt” because the debt comes back to bite you long after you thought it was dead. Midland often refers its debts out to Midland Credit Management, Inc. (“MCMC”) for servicing. MCM may have sent you a collection letter.

 Why is Midland on My Credit Report?

“[R]eporting a debt to a credit reporting agency is ‘a powerful tool designed, in part, to wrench compliance with payment terms . . . .’”[1] In other words, Midland is on your credit report in order to coerce you to pay a debt.

I May be able to Help You Remove Midland from your Credit Report

If Midland is reporting a debt that’s not yours, I can help you get Midland off your credit report at no cost to you. If Midland is reporting an incorrect amount of the debt, I should be able to help you get Midland off your credit report at no cost to you.

How do You Tell if Midland is Reporting an Incorrect Amount?

Midland often adds interest to the debts of Kentucky consumers that it reports to credit reporting agencies. It does this because it’s greedy and a 95% percent return on its investment is just not good enough. I can review your credit report to see if Midland is doing this to you and violating your rights.

Call or Email Me for a Free Consultation

(502)473-6525
james@kyconsumerlaw.com

How Can You Help Me at No Cost?

Reporting false credit information to consumer reporting agencies violates federal law, including the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Under both of these powerful federal laws, Midland has to pay my fees and costs if I can win or settle a lawsuit in your favor. I’m so confident that I can get Midland to pay me, I won’t charge you a dime if we lose the case.

[1] Sullivan v. Equifax, Inc., CIV.A. 01-4336, 2002 WL 799856 (E.D. Pa. Apr. 19, 2002)

3 replies
  1. Lani
    Lani says:

    Hello I live in Covington, Ky and I have plenty of credit card debt. I’m disabled now for 4 years. I can’t walk much less work unfortunately. I can’t afford to file bankruptcy. Do you have any ideas. I just received a paper from midland talking about privacy. Thanks for your time
    Lani

  2. Cindy
    Cindy says:

    Hello, I live in Louisville, KY. and I also live on a fixed income. I got scammed back in September and I am just getting my bank paid off. I have plenty of credit card debt also. Luckiky, I’m SUPPOSED to start getting my widow’s pension this month. Midland Funding is a pita. Lani, I’m going to do this, call them and offer them a dollar a month, and if they refuse, the bill is paid.

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