How to Settle a Midland Funding LLC Debt Lawsuit

Edited by Hannah Locklear

Fact-checked by Patrick Austin, J.D.

You may have heard the phrase: “80 percent of success is just showing up.” Well, that phrase applies with full force when it comes to being sued by a debt collector like Midland Funding LLC. To settle the debt them, simply showing up gives you an edge relative to other consumers trying to figure out how to resolve a Midland Funding LLC debt lawsuit.

Specifically, many debt collectors (Midland Funding LLC included) that file lawsuits against consumers are not actually prepared to prove their debt collection case in court. What does that mean for you? That means that if you simply “show up” to court, you have a chance to prevail that debt collection lawsuit, and the debt is dismissed forever!

Specifically, many debt collectors (Midland Funding LLC included) that file lawsuits against consumers are not actually prepared to prove their debt collection case in court. What does that mean for you? That means that if you simply “show up” to court, you will likely win that debt collection lawsuit, and the debt is dismissed forever!

So, if you have been sued by Midland Funding LLC, you may be tempted to ignore it with the hope that it will go away. Resist that temptation. Responding to the lawsuit, even if you know you owe money, will allow you to defend your rights and, most likely, resolve the debt with Midland Funding LLC.

In this article, we will talk about Midland Funding LLC, what it is and its business model, and then we will talk about how you can easily and quickly respond to the lawsuit in order to stand up to Midland's intimidation tactics. With the help of SoloSuit, you will have the information you need to “show up” in court and force Midland Funding LLC to prove their case.

Don't like reading? Who does — watch this video instead.

Not sued yet? Fight back with a Debt Validation Letter.

What is Midland Funding LLC?

Midland Funding LLC is a wholly-owned subsidiary of a company called Encore Capital. You would not be at fault for not knowing who Midland Funding LLC is. If you owe some kind of consumer debt, you most likely dealt with a different company. Midland Funding LLC specializes in simply buying consumer debt from other companies and suing the consumers to collect on the debt.

Midland Funding's business model, similar to many debt collection shops, is to purchase a consumer debt for about three cents for every dollar owed. Then make a large profit by suing the consumer and getting them to pay off the full debt.

The next part of the business model is Midland Funding's expectation that the consumers they sue will fail to answer or otherwise show up to court—which actually happens about 90% of the time. When that happens, Midland Funding asks the court for what is called a “default judgment,” meaning that it wins its case against the consumer because the consumer did not show up. Then Midland Funding will use the default judgment to garnish the consumer's wages or otherwise interfere with the consumer's bank accounts. Don't let Midland Funding do that to you—make sure you show up in court. More on that below, but first:

Why is it so important to “show up” in court against Midland Funding LLC?

It is important to respond to a Midland Funding debt lawsuit because it is possible that the company will not have the necessary documentation to prove their case. Thus, by simply responding to the lawsuit, and essentially saying to Midland Funding that they need to actually prove that you owe a debt to them, Midland Funding could fold like a cheap pair of pants.

Even if you know you owe a debt, Midland Funding has the burden of proving (i) that they legally own your account with the debt on it, (ii) that the amount they claim that you owe is correct, and (iii) that they filed their lawsuit within the relevant statute of limitations.

SoloSuit makes it easy to win a debt collection lawsuit.

How do you “show up” in court against Midland Funding LLC?

It is easier than you think to respond, or Answer, a debt collection lawsuit. But remember, you only have a limited amount of time, so don't dawdle. Contact SoloSuit sooner rather than later to get the help you need to quickly create, complete, and file your Answer to the debt collection complaint. Here are a few things to keep in mind:

The court, in response to the lawsuit, is expecting you to file a document appropriately called an “Answer.” In that Answer, you need to admit or deny every statement of fact that Midland Funding makes in the Complaint, and you should briefly state why you do not owe any money. Specifically, the three things you need to focus on when filing an Answer are:

1. Respond to each allegation listed in the Complaint. You need to admit or deny each and every allegation in the numbered paragraphs in the Complaint (most attorneys recommend denying everything);
2. Assert Affirmative Defenses. If the debt was not in your name, you have already paid the debt, the company already forgave the debt, or the company is too late in suing you (i.e., the lawsuit was filed after the statute of limitations), then you need to assert those as “affirmative defenses;”
3. Mail the Answer to Court on Time. Ensure that you mail the Answer to the appropriate court within the time allotted.

Those three steps might seem difficult – you may never have heard the term “affirmative defense” or “statute of limitations” before – but that is where you can easily get the help of SoloSuit.

SoloSuit makes it easy to respond to a debt collection lawsuit.

Does Midland Funding show up in court?

In most cases, Midland Funding LLC shows up in court hoping that the defendant misses the hearing so that they can obtain a default judgment. So, yes, Midland does show up in court most of the time, and you should show up too.

Do not let Midland Funding LLC intimidate you with a lawsuit—Fight back

As noted, many companies, including Midland Funding LLC, will file lawsuits against a consumer who owes a debt with the hope that the consumer will fail to respond. Don't be that consumer. Push back by simply showing up to court, and you will call their bluff. Let SoloSuit help you respond to the Midland Funding LLC lawsuit today. You have a way to fight back – and you can easily do it with the help of SoloSuit.

This flowchart outlines all the possible routes that a debt lawsuit with Midland Funding can take:

What is Solo?

Solo makes it easy to resolve debt with debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt. SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

SoloSettle can help you contact your debt collector or creditor and negotiate the debt to settle for less, all online. It simplifies and streamlines the process to settling your debt.

No matter where you find yourself in the debt collection process, Solo is here to help you resolve your debt.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

Midland Funding LLC collects for big banks and credit card companies

Midland Funding LLC purchases debts from credit card companies, banks, auto loan companies, and just about any other type of financial service. Namely, Midland is known to buy debt from Capital One, Citibank, Discover, and American Express. They are the nation's largest debt purchaser, which means they can be connected to any type of debt.

After Midland Funding LLC has purchased a debt from a creditor, it's actually Midland Credit Management that collects the debt. In other words, Midland Credit Management is the third party debt collection agency that services the accounts for Midland Funding LLC. You might be wondering, "Who is Midland Credit Management?" so let us explain.

Midland Credit Management collects on behalf of Midland Funding LLC

In short, Midland Funding and Midland Credit Management are basically the same entity, but they perform different roles. While Midland Funding LLC scours the nation looking for charged-off debts to purchase, MCM collects debt for the accounts that have already been purchased. Both entitites are a part of a parent company called Encore Capital Group.

For example, Jonny has a Discover credit card, and he's fallen behind on his payments. After a few months, Discover charges off the debt and closes the account. Here's where Midland Funding LLC swoops in and purchases the debt (sometimes for as low as 10%-20% of the original amount owed). Then, the torch is passed off to Midland Credit Management who reaches out to Jonny with the goal of getting him to pay off the full debt. When Jonny ignores MCM, the case is taken to court.

Keep in mind that, while Midland Funding LLC purchased the old debt, that doesn't necessarily mean that the debt is valid. The debt may be past the statute of limitations, it could be an incorrect amount, and Midland Funding might not have all the proper documentation needed to take legal action. For this reason, it's so important for Jonny to verify the debt before making any moves.

How to respond to a Midland Credit Management lawsuit

If Midland Credit Management sues you, filing a written Answer is the first step to responding. Here are 6 helpful tips for drafting an Answer:

1. The Answer isn't the place to tell your side of the story in detail: At this stage in the suit, the burden of proof is not on you. You shouldn't give an elaborate description of your side of things, because this can actually end up weakening your case. Just respond to each claim that was listed against you in the Complaint document, and watch the burden of proof weigh heavily on Midland's shoulders.
2. Deny Deny Deny: Most attorneys recommend that you deny as many of the claims against you as possible. Denying is kind of like saying, prove it, so it requires Midland to do more work to prove their case.
3. Include defenses: You should include a section in your Answer where you state your affirmative defenses. These are facts you can raise that prove Midland has no case (i.e. the debt is past the statute of limitations, the debt is fraudulent, Midland harassed you into paying off the debt, etc).
4. Use standard formatting or “style”: Your Answer should be typed with standard font (i.e. Times New Roman or something similar) and look professional. Most courts require that you include a caption with the court's name, a title, and the case number.
5. Include certificate of service: The certificate of service is usually a small statement at the end of the document that certifies the Answer was sent to the plaintiff's attorney with the official mailing address that was used. Some courts have a specific form you must fill out for service.
6. Sign it: Make sure to sign your Answer at the bottom of the page. All courts require a signature, and some require a wet signature.

To learn more about these 6 steps, check out this video where SoloSuit's founder breaks each of them down:

What if I haven't been sued yet?

If you've only received a collections notice from Midland, but not a lawsuit, the best way to respond is with a Debt Validation Letter. When a debt collector contacts you in any way, whether it's by phone or mail, you can respond with a Debt Validation Letter. This letter notifies Midland that you dispute the debt and requires they provide proof you owe the debt. They can't call you or continue collecting until they provide validation of the debt.

Using the previous example, Jonny finds out that his debt is years old before Midland takes the case to court. Since he hasn't been active on that account for more than 15 years, the debt is likely past the statute of limitations (which varies by state). Jonny sends a Debt Validation Letter, and he finds out that Midland doesn't even have enough documentation to prove that they own the debt. They let Jonny know that they will cease collection efforts. Jonny wins!

As you can see, Debt Validation Letters can make all the difference, especially when dealing with huge debt buyers like Midland Funding. This video shows how to make a Debt Validation Letter in two steps:

Get started with a Debt Validation Letter here.

Midland Funding's address is P.O. Box 340 in Waite Park, MN

If you decide to send a Debt Validation Letter, or if you just need to contact Midland Funding, you should use the following address:

Midland Funding, LLC
P.O. Box 340
Waite Park, MN 56387-0340

If you need to send the letter to Midland Credit Management, here's their address:

Midland Credit Management
P.O. Box 939069
San Diego, California 92193

Be sure to keep a record of all your communications with Midland Funding in case you need it for court later on. Any letters you send should be sent via USPS certified mail with a return receipt requested. This will ensure that you have proof of sending a Debt Validation Letter, which will likely strengthen your case in the future.

Settle your debt with Midland Credit Management

You can settle a Midland Credit Management LLC lawsuit by working with the law firm that is suing you to negotiate a settlement agreement. It may take several rounds of negotiations, but Midland Credit Management is usually willing to settle a lawsuit for less, and they will still earn money from the settlement.

On average, debt buyers like Midland Funding purchase debt portfolios from big banks and credit companies for 4¢ per dollar of debt owed. For example, if you owe $1,000 to Discover, and they sell the debt to Midland after charging it off, Midland may pay only $40 to acquire the debt. So, even if settled for half the amount you originally owed, Midland would still make a huge profit.

Keep this in mind while you work to settle a Midland Credit Management lawsuit. Now, see what being sued by Midland Credit Management actually looks like.

Example of Midland Credit Management lawsuit

Note: names have been changed for privacy purposes.

Mike received a notice from ABC Legal that he was being sued by Midland Credit Management for an old debt with Capital One. Below are the court documents he received in the mail

First, Mike received a court Summons that notified him of the case:

Second, he received a Complaint which outlined all the specific claims against him, including the claim that he owed $3,411.65 to Midland Credit Management:

The typical process that a Midland Credit Management lawsuit involves is services of these court documents and then filing a motion for default judgment.

Midland Credit Management and its lawyers don’t expect you to respond to the lawsuit in time, and if this happens, they have the right to request a default judgment against you. Here’s what that looks like:

In Mike’s case, Midland Credit Management claimed he didn’t respond to the lawsuit in time and filed for default. However, they didn’t know that Mike used SoloSuit to draft an Answer to the case and filed it before his state’s deadline. When Midland realized this, they were shocked.

Mike still wanted to settle the debt, so he contacted ABC Legal to negotiate. When Midland Credit Management realized Mike wasn’t going down without a fight, they were more open to discuss settlement options and accept his offer to settle for 50%.

In the end, Mike saved money by settling, and Midland earned more money than it cost to purchase the debt from Capital One.

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont; Vermont (Small Claims court)
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

• 11 Charter Communications
• AAA Collections
• Aargon Agency Inc
• Absolute Resolutions Investments LLC
• ACEI Collections
• Account Services
• Accredited Collection Services
• Accredited Collection Services
• Advanced Recovery Systems
• AES NCT
• AFNI Collections
• Alco Capital Group LLC
• Aldous and Associates
• Alliance Collections
• Alliance One
• Alliant Capital Management
• Alpha Recovery Corp
• Alltran Financial
• Alltran Health
• Alorica Inc.
• Amcol Clmbia in Court
• American Coradius International
• American Profit Recovery
• American Recovery Service
• Americollect
• AmSher Collection Services
• Apelles LLC
• AR Resources
• ARC Collections
• ARM Solutions
• Arrow Financial Services
• ARS National Services
• ARSC Debt Collectors
• ARS National Services
• ARstrat
• AscensionPoint Recovery Services
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Atlantic Credit and Finance
• Atradius Collections
• Automated Collection Services, Inc.
• Autovest LLC
• Avante USA
• Avantus
• AWA Collections
• Balekian Hayes
• Bay Area Receivables
• BCA Financial Services
• BC Services
• Benuck and Rainey
• Berlin-Wheeler
• Bluebonnet Financial LLC
• Bonneville Collections
• Bull City Financial
• Bureaus Investment Group
• Cach LLC
• Caine and Weiner
• Capio Partners
• Capital Accounts
• Capital Collections
• Capital Management Services
• CardWorks
• Carmel Financial/New Coast Direct
• Cavalry SPV I LLC
• CBCInnovis
• CBCS Collections
• CBE Group
• CBV Collections
• CCB Credit Services
• CCS Collections
• CCS Offices
• Central Mediation Services
• Central Portfolio Control
• Cerastes LLC
• Choice Recovery
• Choice Recovery Inc
• CKS Financial
• CKMS Financial
• Client Services
• CMRE Financial Services
• COAF
• Coast Professional
• Comenity Bank Debt Collection
• Commonwealth Financial
• ConServe Debt Collection
• Consumer Collection Management
• Contract Callers Inc
• Convergent Healthcare Recoveries
• Convergent Outsourcing
• Couch Conville & Blitt
• Covington Credit
• CRDT First
• Credco in Court
• Credence Resource Management
• Credit Bureau Systems
• Credit Control Corporation
• Credit Management Company
• Credit Management LP
• Credit Systems
• Credit Systems
• CSIEZPay
• CTC Debt Collector
• CVCS Debt Collection
• Cypress Financial Recoveries
• D&A Services
• Daniels, Norelli, Cecere & Tavel P.C.
• DCM Services
• Debt Recovery Solutions
• Delanor Kemper & Associates
• Department Stores National Bank
• Direct Recovery Associates
• Discover Collections
• Diversified Adjustment
• Diversified Consultants
• Diversified Recovery Bureau
• DNF Associates, LLC
• Dodeka LLC
• DRS Credit
• Dynamic Collectors
• Eagle Loan
• Eagle Accounts Group, Inc.
• Eastern Account System
• EduCap
• Ellington and Associates Collections
• Encore Capital Group
• Enerson Law
• Enerson Law LLC
• Enhanced Recovery Company
• EOS CCA
• ERC Collections
• ERSolutions
• Estate Information Services
• Equable Ascent Financial
• Everest Business Funding
• Executive Credit Management
• Faber and Brand
• Factual Data
• Falls Collection Service
• FBCS
• FCO Collections and Outsourcing
• FIA Card Services
• fin rec svc (Financial Recovery Services)
• First Federal Credit Credit Control
• First Financial Bank
• First Portfolio Ventures LLC
• First Progress
• FirstPoint Collection Resources
• Firstsource Advantage
• FMA Alliance
• FNB Omaha
• Forster & Garbus
• Franklin Collection Services
• Freedom Plus
• Freshview Solutions
• Frontline Asset
• Frost Arnett
• Fulton Friedman & Gullace LLP
• Galaxy International Purchasing, LLC
• GC Debt Collection
• GC Services
• General Revenue Corporation
• GLA Collections
• Glass Mountain Capital
• Glasser and Glasser
• Global Credit Collection Corp
• Global Trust Management
• GMAC Financing
• Golden 1 Credit Union
• Grant and Weber
• Grant Mercantile Agency
• Gulf Coast Collection Bureau
• Gurstel
• Halsted Financial Services
• Harris and Harris
• Harvard Collection
• Harvest Credit Management
• Helvey and Associates
• Hollis Cobb
• Holloway Moxley
• Hosto Buchan
• Howard Lee Schiff
• H&R Accounts
• HRRG
• Hudson & Keyse LLC?
• Hunter Warfield
• IC System
• Impact Receivables Management
• Innovative Recovery
• Integras Capital Recovery LLC
• Javitch Block
• JHPDE Finance 1 LLC
• JP Receivables Management Partners
• JPMCB card
• Kenneth Eisen and Associates
• KeyBank student loans
• Kinum
• Kirschenbaum, Phillips & Levy P.C.
• KLS Financial Services
• Kramer & Frank
• Lakeside Collection
• Lending Club
• Lincoln and Morgan Kabbage
• Linebarger Goggan Blair & Sampson LLP
• Lockhart Collection Agency
• LJ Ross Associates
• LTD Collections
• Malcolm S. Gerald and Associates
• Malen & Associates
• Mandarich Law Group
• Mannbracken
• Marcam Associates
• MARS Inc. Collections
• MBA Law
• MCA Management Company
• McCarthy, Burgess & Wolff
• Meade & Associates
• Medicredit
• Mercantile Adjustment Bureau
• Merchants Credit Association
• MGM Collections
• Michael J Adams PC
• Midland Funding LLC
• Mid-South Adjustment
• Monarch Recovery
• Monterey Financial
• Moss Law Firm
• Mountain Land Collections
• MRS Associates
• MRS BPO
• MSW Capital LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Nathan and Nathan PC
• National Collegiate Trust
• National Credit Adjusters
• National Credit Care
• National Credit Systems
• National Enterprise Systems
• National Recovery Agency
• National Recovery Solutions
• Nationstar
• Nationwide Credit
• Nationwide Recovery Services
• Nationwide Recovery Systems
• NCEP LLC
• NCO Financial Systems Incorporated
• North American Recovery
• Northland Group
• Northstar Capital Acquisition
• Northstar Location Services
• NPAS
• NRC Collection Agency
• Oliver Adjustment Company
• Oliphant Financial, LLC
• Oportun
• P&B Capital Group
• PCB Collections Agency
• Palisades Collection LLC
• Pallida LLC
• Paragon Contracting Services
• Paragon Revenue Group
• Payday Loan Debt Collectors
• Pendrick Capital Partners
• Penn Credit
• Perdue Brandon
• Persolve LLC
• Phillips & Cohen Associates
• Phoenix Financial Services
• Pioneer Credit Recovery
• PMAB LLC
• PRA Group, Inc.
• Pressler, Felt & Warshaw LLP
• Prestige Services, Inc.
• Prince Parker and Associates
• ProCollect
• Professional Finance Company
• Progressive Management Systems
• Provest Law
• PYOD LLC
• Quaternary Collection Agency
• RAB Collection Agency
• Rash Curtis and Associates
• Radius Global SOL
• Radius Global Solutions
• Rawlings Company
• Razor Capital
• Real Time Resolutions
• Receivables Performance Management
• Regents and Associates
• Reliant Capital Solutions
• RentGrow
• Resurgent
• Resurgent Capital Services and LVNV Funding
• Revco Solutions
• Revenue Enterprises LLC
• Revenue Group
• RGS Financial, Inc.
• RMP LLC in Court
• RMP Services
• RS Clark and Associates
• RSIEH
• RSIEH
• RTR Financial Services
• Rubin & Rothman
• Salander Enterprises LLC
• Samara Portfolio Management
• SCA Collections
• Scott Parnell and Associates
• Second Round Collections
• Second Round Sub LLC
• Selip & Stylianou LLP
• Sequium Asset Solutions
• Sessoms and Rogers
• Sherman Acquisition
• Sherman Financial Group
• SIMM Associates
• Source Receivables Management
• Southern Management Systems
• Southwest Credit Group
• Spire Recovery Solutions
• SRS Company
• Stark Collection Agency
• State Collection Service
• Stenger and Stenger
• Stillman Law Office
• Summit Account Resolution
• Sunrise Credit Services
• Superlative RM Debt Collector
• Suttell and Hammer
• Synergetic Communication
• Synerprise Consulting
• The Law Office of Michael J Scott
• Trellis Company
• Troy Capital
• TRS Recovery Services
• TrueAccord
• Tulsa Teachers Credit Union
• UCB Collection
• UHG 1, LLC
• Unifin
• Unifin Debt Collector
• Unifund
• Universal Credit Services
• US Bank Collections
• USAA collections
• USCB America
• Valentine and Kebartas
• Valley Servicing
• Vance & Huffman LLC
• Van Ru Credit Corporation
• Velo Law Office
• Velocity Investments
• Viking Client Services
• Wakefield and Associates
• Waypoint Resource Group
• WCTCB
• Weinberg and Associates
• Weltman, Weinberg & Reis
• Westwood Funding
• Williams and Fudge
• Wilshire Consumer Credit
• Wolpoff & Abramson
• Worldwide Asset Purchasing
• www.AutomotiveCredit.com
• Zarzaur & Schwartz
• Zwicker & Associates

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

• American Express; American Express – Debt Collection
• Bank of America
• Barclay
• Best Buy Credit Card
• Capital One
• Chase
• Credit One Bank
• Old Navy Credit Card
• PayPal Synchrony Card
• Regional Finance
• Retailers National Bank
• Reunion Student Loan Finance Corporation
• SYNCB/PPEXTR
• Synchrony Bank
• Synchrony Walmart Card
• Target National Bank
• Webbank
• Wells Fargo
• Can I Pay My Original Creditor Instead of a Debt Collection Agency?
• Can I Settle a Debt with the Original Creditor?

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

• Am I Responsible for My Spouse's Medical Debt?
• Do I Need a Lawyer for Medical Bills?
• Do I Need a Lawyer to Fight Medical Bill Debt?
• Does Bankruptcy Clear Medical Debt?
• How Much Do Collection Agencies Pay for Medical Debt?
• How to Find Medical Debt Forgiveness Programs
• Is There a Statute of Limitations on Medical Bills?
• Medical Debt Statute of Limitations by State
• Summoned to Court for Medical Bills — What Do I Do?
• Summoned to Court for Medical Bills? What to Do Next

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

• How Arbitration Works
• How to Find an Arbitration Clause in Your Credit Agreement
• How to Make a Motion to Compel Arbitration
• How to Make a Motion to Compel Arbitration in Florida
• How to Make a Motion to Compel Arbitration Without an Attorney
• How Credit Card Arbitration Works
• Motion to Compel Arbitration in California
• Sample Motion to Compel Arbitration

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

• 1-800-390-7584
• 800-289-8004
• 800-955-6600
• 8009556600
• 877-366-0169
• 877-591-0747
• 800-278-2420
• 800-604-0064
• 800-846-6406
• 877-317-0948
• 888-899-4332
• 888-912-7925
• 202-367-9070
• 502-267-7522

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

• 15 USC 1692 Explained
• Does the Fair Credit Reporting Act Work in Florida?
• FDCPA Violations List
• How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
• How to Make a Fair Debt Collection Practices Act Demand Letter
• How to Submit a Transunion Dispute
• How to Submit an Equifax Dispute
• How to Submit an Experian Dispute
• What Debt Collectors Cannot Do — FDCPA Explained
• What Does Account Information Disputed by Consumer Meets FCRA Requirements Mean?
• What does “meets FCRA requirements” mean?
• What does FCRA stand for?
• What is the Consumer Credit Protection Act