So, Midland Credit Management (MCM) showed up on my credit report after having items removed from my credit report. I disputed the validity via the CRAs and they never verified the debt and was thusly removed from my report. I received something from MCM in the mail stating they have sold my account to MRC but if I want to settle, I can still do so with MCM. I called and asked that they verify the debt and the woman who took my call said that the paper was verification and hung up on me.
I then received correspondence from Pressler and Pressler stating that they are legal counsel representing MRC whom I never received anything from. They stated that I owed one amount, MCM claimed I owed another amount. None of it made sense. I contacted Pressler and they state that they are not interested in settling but they will settle and take $80 off the amount they claim is owed.
I asked them to verify the debt and they sent me a paper that basically let me know they have a computer, my address and maybe some sort of convoluted invoicing software. I was compiling my response and this has been taking me some time because I am very busy. Then, I received court papers stating that I am being sued. I am working on my answer to the complaint now.
One business day after I received the court papers, I received correspondence from a company called Credit Foundation USA, Inc. This came in an envelope that states district court information on the outside. But then I noticed the oddest thing, the return address is in MD. Out of curiosity, I opened the envelope and the letter says that they know I am being sued and they want to help me. How nice, right? But it does not ring true to me.
I just called them approximately 2 hours ago and a man named Terry (Terry Hart is who signed the letter) and he stated he is strictly on my side. Never trust anyone who says that. He asked me what I have done so far and I stated that I am working on my answer to the complaint and I am going to request verification information from the complainant's counsel (Pressler). He advised me that this is not the way to go. He said that if I am to work with him that I should do nothing at this time. I asked him would he get the debt reduced. He stated no he probably wouldn't but he would get me on a low monthly plan. And it would only cost $200. I smell a scam. Let me know what you think out there.
V
hudson, New Jersey
U.S.A.
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