winter already, fuck this

another thing to waste money on

Last edited by unhallowed (12/05/2016 3:46 pm)

From Dicks again? Maybe just ignore it. If it's a scam I doubt it'll go to a debt collector.

There's a lot of sites with complaints about their scam.



http://www.floridadebtfighters.com/fdcpa-rights/defaulter-harassment/midland-credit-management/

http://www.consumerhelpcentral.com/cfpb-midland-funding-encore/



When a debt collector first contacts you, your first step should always be to request validation of the debt per your rights under the Fair Debt Collection Practices Act. Even if the debt is valid, request validation anyway.

Send them a letter via Certified Mail + Return Receipt (do not use regular mail) stating:

Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, including a copy of the original signed application with my signature
--------------------------------------...
* DO NOT sign your signature on any document that you mail to a debt collector. It could end up on a forged document that can be used against you. Simply type your full name.

When they call back, tell them: I have sent a certified letter to your office officially requesting written validation of this alleged debt per my rights under the Fair Debt Collection Practices Act.

Per this federal law they must provide written validation within 30 days and they must cease collection activity until they send you written validation. Do not let them scare you with bogus threats during this perio

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