Where do I start?

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InPortOut

Joined: 26 Mar 2009
InPortOut's page
Posts: 5

175 Magic Points

Subject: Where do I start?

Wed Mar 10, 2010 1:25 am

Some co. MCM is sending letters saying I owe money. I don't even know who they are? where do I start??? Help

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675

48566 Magic Points

Subject: debt validate

Wed Mar 10, 2010 5:56 am

Hi inportout,

You should first pull a copy of your credit report. Check whether or not this company is listed on your credit report, and the type of debt. If you can remember that you owe money to this company, you can contact the company and start the payments.

However, if you think that you don't owe anything to this company, or you aren't sure about the debt, you can send a debt validation letter to the company. With the debt validation, you will be able to know how much you owe, and to whom you owe. For more details of the debt validation, and a sample debt validation letter you can refer http://www.creditmagic.org/repair/sampleletter-debtvalidation.html .

Hope this helps.

Regards,

Aaron
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cinnamngrl

Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1455

6339 Magic Points

Wed Mar 10, 2010 12:52 pm

1. Send a DV letter to MCM right away and state that it is inconvenient to call,

General Information:

* Contact an account representative:
(800) 935-4566

* Discuss a dispute regarding your account:
(800) 825-8131 ext. 2980

* Send correspondence or payment to:
Midland Credit Management, Inc.
P.O. Box 939019
San Diego, CA 92123-9019
(Please include MCM Account Number with payment.)
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* Disclosures:

Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.