Midland Funding LLC is a collection agency (CA) with a lot of consumer complaints. Read through the topics given below to learn how you can deal with Midland Funding LLC collections if they contact you regarding an outstanding debt.
What steps should you take if the CA contacts you about an old debt?
You should take the following steps in dealing with Midland Funding LLC:
Ask for validation: If the agency comes after you for an old debt you think you do not owe, you should send them a validation letter. If they cannot validate the account, they have no right to collect money from you.
Check the SOL: Check your state law and find out if the Statute of Limitations (SOL) has expired on the account they're trying to collect on. If the SOL has expired, the agency cannot sue you to collect on the debt.
Send Cease and Desist letter: If the collection agency fails to validate the account, the SOL has expired, or if you want to deal directly with the original creditor, you should send the CA a Cease and Desist letter asking them to stop contacting you. If they don't, they will be in breach of the FDCPA and probably your state's consumer protection laws as well. You should also file a complaint against Midland Funding LLC with your State's Attorney General and the FTC.
What are the common Midland Funding LLC complaints?
Consumers who've already dealt with this collection agency have shared their complaints with the DebtCC community. Some of those complaints are:
Placing a levy on bank accounts: Many consumers have complained that the collection agency often places a levy on their bank accounts without informing them. Learn more
Making harassing calls: One customer complained that the CA sued him for a Verizon account, even though he claimed that everything had been settled with the phone company. He also stated that Midland Funding was harassing him continually for the debt and that one of the collectors shouted so much at him during one call that he had to disconnect the line. Check out the details
Garnishment: A consumer says the company illegally garnished his Social Security disability check. He was never served with a summons and a complaint to appear in court before it was garnished. Check this post
If you want to contact Midland Funding LLC, use the following information:
Midland Funding LLC address:
227, W Trade St Ste 1610, Charlotte, NC 28202-1676
Midland Funding LLC phone number: (704) 837-0421
I'm asking this question for my Cousin who lives i...
I'm asking this question for my Cousin who lives in Iowa.
Is there anyway to stop a wage garnishment without filing for bankruptcy. My cousing received a phone call from midland funding llc debt collector on Friday saying they were going to proceed with the garnishment, but if she was able to make arrangements please give them a call. Well she was going to call them the folloing Monday and when she got her check that Monday 200 was gone for the garnishment. She knew they were trying to sue her but things kept getting held up because the Midland Company didn't have their stuff together. They also kept telling my cousin to call, but they would never return her calls. Why would they call her on Friday telling her to call for arrangements knowing they were already getting some of her money. She wants to pay them, but she can't afford to have her wages garnished. Is there anyway to prove that this is causing financial hardship. She has two young kids to take care of and she she is already two months behind on her car payment. When she gets paid again, the next 200 will make her short on rent. I heard somewhere that a "CLAIM OF EXEMPTION" can be filed. Does anybody know anything about that and how it works. Any thoughts or suggestions would be helpful.
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