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I guess when it rains it pours. I received today a letter from Mapother and Mapother,P.S.C. who states they are representing Midland Funding. This is dated April 24, 2008 and I received it TODAY in the mail. I have my debt validation letter ready to go in tomorrows mail via certified return receipt. My question is this : In this letter they state that no attorney has "personally reviewed the particular circumstances of your account" and if I dispute the validity that I have 30 days to do so. By my calculations, AFTER tomorrow the 30 days are up. Am I I correct in my understanding? Is there anything else that I should send them? I am using the template provided, the one with the new and improved grammer and spelling. Thanks in advance.


Paige,I had a CA to that to me also. What I did was, I made a copy of their letter and a copy of the envelope with the postage date and included it with my letter.

Hope this helps..KAren

Sub: #1 posted on Sat, 05/24/2008 - 20:00

Bossy4455 Bossy4455
(Posts: 5854 | Credits: 743.03)

Definitely include a copy of their letter and the envelope it came in with your DV letter. Also, mention in your DV letter that their letter just arrived today. I might even ask them [leadingly] if they sat on it intentionally. But I'm a nasty, suspicious, old Wulf with no sense of humor where these things are concerned.

Sub: #2 posted on Sat, 05/24/2008 - 20:20

unclewulf unclewulf
(Posts: 3173 | Credits: 315.03)

Thank you Bossy and UncleWulf for your replies. At the end of my reply I did in fact make note that the letter was received on the 23 of May but dated the 24 of April. I should have in retrospect, also noted that it was sent to the wrong address,and addressed to MR. and I am very clearly a female. I missed y'alls post about also including the original letter and envelope. Anyway it was sent out yesterday via certified mail return receipt. Once again, thank you!


Sub: #3 posted on Sun, 05/25/2008 - 18:02


I mean a copy of the original letter and envelope.oooops


Sub: #4 posted on Sun, 05/25/2008 - 18:04


You got the letter out, that's the important bit at present. Hang onto the letter and envelope! They'll make good evidence if this thing winds up in court.

If we can be of further assistance, holler. We'll be here.

Sub: #5 posted on Sun, 05/25/2008 - 19:02

unclewulf unclewulf
(Posts: 3173 | Credits: 315.03)

In most cases the court would go from date of receipt.Follow everyones advice on keeping the letter & envelope for future use.

Sub: #6 posted on Sun, 05/25/2008 - 20:00

cajunbulldog cajunbulldog
(Posts: 4859 | Credits: 425)

I got the same letter too but my was dated for may 30th...but I never had a account with midland my letter states the same as your paige...

Sub: #7 posted on Sun, 06/08/2008 - 00:42


Can anyone tell me what or who Midland Funding is....

Sub: #8 posted on Sun, 06/08/2008 - 00:47


Sure I'd be happy to.

midland credit management, Inc.
aka/Midland Funding
a subsidiary of Encore Capital Group, Inc.
MRC Receivables

Your best bet is to go over to and click on the top AGENCIES TO AVOID scroll down and look up Midland credit Management and read all about them.

Sub: #9 posted on Sun, 06/08/2008 - 00:57


In short they are a collection agency, I think they buy debt as well.

Sub: #10 posted on Sun, 06/08/2008 - 01:59

(Posts: 2934 | Credits: 192.01)

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