What Defenses Can I Use Against Midland Credit Management?

The Complete Answer

From 30 Years on the Debt Buying Side.

Standing and ownership documentation. A central issue in many debt buyer cases is whether the plaintiff can prove they are the current legal owner of the specific debt they are suing on. That requires a complete and unbroken chain of documentation from the original creditor through every transfer to Midland Credit Management. Gaps in that chain are a common vulnerability in debt buyer cases.

The statute of limitations. Every state sets a time limit on how long a party has to file a lawsuit to collect a debt. Whether the statute of limitations applies to your specific situation depends on the facts of your case and your state’s law — this is worth exploring early with a legal resource familiar with your jurisdiction.

Business records and affidavit issues. Midland Credit Management often relies on affidavits and business records to establish their claims. Courts have scrutinized the foundation and authenticity of these records in debt buyer cases. Whether the records Midland Credit Management produces meet the evidentiary standards in your court is a question that depends on your jurisdiction’s rules.

The Midland Credit Management Defense Toolkit covers these documentation issues. Built from 30 years of insider experience the toolkit helps you understand what documentation Midland Credit Management is required to have so you can assess your situation and have an informed conversation with whatever legal resources you consult.