Who is Midland Credit Management, Inc.?
Midland Credit Management buys charged-off consumer debt in bulk, often for pennies on the dollar, then collects and sues on it. They are part of Encore Capital Group. They did not open your account and were not involved when you used it.
They bought your debt, and that matters
A debt buyer has to prove it actually owns your specific account. That means an unbroken paper trail from the bank that opened it, all the way to them. This is where these cases most often fall apart, because the paperwork frequently does not exist in the form a court requires.
What tends to matter in these cases
- They must prove they own your specific account, not just that they bought a batch of accounts.
- Ask for the bill of sale and the account schedule that names your account, not a generic affidavit.
- They usually have no employee with personal knowledge of how your balance was calculated.
- The original agreement, with your signature, is frequently missing entirely.
What to do right now
- 1
Find your deadline
It counts from the day you were served, not the date on the paperwork. Write it on a calendar today.
- 2
File an Answer
This is the document that stops them winning by default and forces them to prove their case.
- 3
Make them prove they own it
Use discovery to demand the original agreement and the complete chain of ownership.
Sued by someone else?
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