Did you get a collection notice from Midland Credit Management? Before paying or even acknowledging it, send a debt-validation letter under FDCPA §809. Sent in writing within 30 days of their first notice, it forces Midland Credit Management to stop collecting until they validate the debt (15 U.S.C. 1692g(b)).
What to demand from Midland Credit Management
Proof Midland Credit Management owns or is authorized to collect this specific debt (debt buyers must show the chain of assignment).
The original creditor and the original account number.
A full itemized accounting of the balance — principal, interest, fees, payments — from the itemization date (CFPB Reg F, 12 C.F.R. 1006.34).
Written confirmation they will cease collection until validation is mailed.
Do not pay or admit the debt before validation — and if it's an old debt, a payment can restart your state's statute of limitations. Send certified mail; keep the receipt.
Paste your Midland Credit Management notice and we draft your validation letter, cited to the statute, with your 30-day deadline computed — one flat fee of $29.00.
This is a clerical document-DRAFTING tool, not legal advice and not a credit-repair service. DisputeForge is not a law firm and does not represent you or guarantee any outcome (no deletion, no score change). You review, sign, and mail the letter yourself. Verify every date against your own dated notice before sending. We charge one flat fee for the drafted document — we never charge a recurring fee for a promise to improve your credit.