Have you received notice that you’re being sued by Midland Funding (aka Midland Credit Management Inc)? If so, you might be confused. You’ve never heard of Midland Funding, so how can you owe them money? Here’s the scoop.

Midland Funding is a company that buys charged-off debt from credit card companies. When a lender believes they will not receive the funds you owe them, they write off your debt. This does not mean that you do not still owe this money, it simply means the credit card company has given up on ever receiving the funds. Credit card companies can make some of their lost money back by selling your debt to collection companies. Midland Funding, however, will call you and harass you in an attempt to get you to pay the debt.

What happens if I don’t pay Midland Funding? 

If Midland Funding is unsuccessful at getting the money from you, they will hire a law firm to sue you. What you do at this point makes all the difference in how the situation goes from here. You could ignore it, but you will not be happy with the consequences of that decision. The best thing to do is to fight the lawsuit, and in order to do that, you need a lawyer, one that specializes in these types of cases.

Hire a Debt Defense Attorney

Being sued by Midland Funding is a serious situation. You need to hire a lawyer that specializes in debt lawsuit defense. Even though you are responsible for charging funds to the credit card account, you have rights. You have the right to put a stop to collection calls and debt harassment. A debt defense lawyer will fight for your rights in collection lawsuits. You don’t have to go it alone, and you shouldn’t try if you want a successful outcome.

Review the Lawsuit Paperwork

Carefully read over the papers you received that notified you about the lawsuit. You are required to respond by a certain date (usually 14 or 20 days from the date of the notice) that will be listed in the paperwork. It is imperative that you contact an attorney before this date, the sooner the better, in order to avoid the consequences that will follow.

In the event that you discover the date has passed, contact a debt defense lawyer anyway. You may still have time to fight the lawsuit, and if not, a lawyer can help you work through the aftermath.

What happens if I don’t respond to the lawsuit?

If you fail to respond by the due date listed in the lawsuit paperwork, Midland Bank will get a default judgment against you from the court. This results in losing assets, seized bank accounts, and liens on your property, all things you would prefer to avoid.

How can a lawyer win my case? 

When companies like Midland Funding buy charged-off accounts from lenders, they often do not receive the proper documentation that should accompany these accounts. Lack of necessary documents often results in dismissed lawsuits, as Midland Funding cannot always prove that the person they are suing actually accrued the debt.

Who should I call in San Antonio, TX for help with a debt lawsuit?

If you’re being sued by Midland Funding, call Benjamin Trotter, Attorney at Law, P.C. Our law office specializes in debt lawsuit defense. We will fight back against Midland Funding, stopping the endless calls and harassment and helping you absolve you of your debt.

Call Debt Legal Defense at (210) 468-1008 or request an appointment as soon as you are served with lawsuit papers. We will fight for your rights against creditors and collection companies.