Demand Validation from Midland Credit Management

Step-by-Step Checklist

1. Do Not Acknowledge Debt on the Phone

   Never agree to a phone payment or verbally confirm owing the debt, which can reset expired state statutes of limitations.

2. Send FDCPA § 809 Debt Validation Demand

   Send a formal written letter demanding proof of ownership, original creditor account agreement, and chain-of-assignment records.

3. Enforce the 30-Day Mandatory Collection Freeze

   By federal law, Midland must cease all telephone calls and collection efforts until they mail complete written verification.

Legal Grounds

• 15 U.S.C. § 1692g requires complete verification before continuing collection activity
• CFPB Consent Decree strictly bars Midland from collecting debts without verified account documentation
• 15 U.S.C. § 1692e prohibits false representations regarding debt amounts or legal status

Sample Letter Excerpt

Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692g, I dispute the validity of the debt referenced under MCM Reference #[Number]. I demand verification of the original signed contract, complete chain of title assignment, and itemized calculation of interest and fees. Cease all telephone contact.

Frequently Asked Questions

What happens if Midland cannot validate the debt within 30 days?

They must cease collection activity and remove any negative reporting marks submitted to TransUnion, Experian, or Equifax.