Midland Funding & Midland Credit Management: What to Do If You’re Sued by a Debt Collector
- DIY Fix My Score
- 3 days ago
- 4 min read
Facing a Midland Credit Management lawsuit or a civil suit for debt collections can feel overwhelming. Midland Funding LLC and Midland Credit Management (MCM) are two of the largest debt buyers and collectors in the United States. They purchase delinquent credit card, loan, and utility accounts and attempt to collect the full balance—sometimes by filing lawsuits.
If you’ve been sued by a debt collector like Midland, you’re not alone. Consumers across the country often ask:
Can you be sued by a credit card company?
What happens in a lawsuit from a debt collector?
How do you respond if you’re sued by a collection agency?”
This article will answer these questions, explain your rights, and show how DIY Fix My Score can help you defend yourself and protect your financial future.
Who Are Midland Funding and Midland Credit Management?
Midland Funding is a debt buyer; Midland Credit Management (MCM) handles collections and litigation for many of those purchased accounts. They purchase delinquent accounts for pennies on the dollar and then seek full or negotiated payment. Many consumers first encounter them after their original creditor “charged off” the account, which is why Midland shows up unexpectedly on reports—or serves a lawsuit.
Company Information: Midland Funding & Midland Credit Management
Name: Midland Funding LLC / Midland Credit Management, Inc.
Address: 8875 Aero Drive, Suite 200, San Diego, CA 92123
Phone: (858) 293-2500
Website: https://www.midlandcreditonline.com
What to Do if You’re Sued by Midland Credit Management
If you’re served, act quickly. Here’s what to do:
Read the summons carefully – It will state deadlines, usually 20–30 days to respond.
File an Answer – This is your written response where you admit, deny, or claim lack of knowledge to each allegation.
Demand proof – Midland must show they legally own your debt, including a chain of assignment and accurate account records.
Check the statute of limitations – Each state limits how long creditors can sue. If the debt is too old, you may raise this as a defense.
Appear in court – Don’t skip. Showing up lets you present defenses and negotiate.
Failing to respond almost guarantees a default judgment.
How to Beat Midland Funding or Midland Credit Lawsuits
A Midland credit lawsuit can be defended effectively. Strategies include:
Challenge ownership of the debt – Require proof Midland owns your specific account.
Question accuracy – Request the original agreement, statements, and a precise balance. Gaps/contradictions help your defense.
Raise statute of limitations – If time-barred, the lawsuit may be dismissed.
Hold them accountable – Debt buyers sometimes rely on incomplete or inaccurate data. Forcing them to prove every detail can weaken their case.
Consumers who actively defend themselves often achieve dismissals or better settlements than those who ignore the lawsuit.
Can You Be Sued by a Credit Card Company or Debt Buyer?
Yes. Whether directly by your original credit card company or later by a debt buyer like Midland, a lawsuit from a debt collector is possible when payments lapse or accounts go delinquent.
What Happens in a Civil Suit for Debt Collections?
In a civil suit for debt collections, the creditor or collector is the plaintiff, and you are the defendant. The judge reviews evidence, hears arguments, and decides whether the collector has proven its claim.
If you respond and raise defenses, you may win, settle, or have the case dismissed. If you do nothing, the court almost always grants a default judgment to the collection agency.
What Happens if You Ignore a Lawsuit From a Debt Collector?
Ignoring a lawsuit from Midland—or any lawsuit collection agency—is the worst option. If you don’t respond:
The court will issue a default judgment.
Midland may garnish your wages, freeze bank accounts, or place property liens.
Judgments can remain enforceable for years and may accrue interest.
How DIY Fix My Score Can Help if Midland Sued
Being sued by a collection agency is intimidating, but you don’t have to face it unprepared. The DIY Fix My Score Kit gives you the tools to fight back.
1. Dispute and Validate Debt
Our kit includes 125+ dispute letter templates to request validation and challenge errors with bureaus and collectors. If Midland cannot prove ownership or accuracy, their claim may weaken—or be dismissed.
2. Respond with Confidence
Use professional, rights-based letters instead of going silent. This shows you’re organized, proactive, and aware of your rights under the FDCPA and FCRA.
3. Build Evidence for Court
Documenting disputes, validation requests, and Midland’s responses creates a paper trail that strengthens your defense in a Midland credit management lawsuit.
4. Negotiate Smarter Settlements
The kit also guides you through settlement strategies, including lump sums and payment plans, and stresses the importance of getting everything in writing.
5. Protect Your Long-Term Credit
By handling lawsuits properly, you’re not only addressing today’s case—you’re also improving your credit health and reducing risk of future collection actions.
👉 Ready to defend yourself? Get the DIY Fix My Score Kit today for a one-time investment of $199 (Reg. $799).
A Midland Funding or Midland Credit Management lawsuit is scary, but knowledge protects you. When you respond correctly, use the right tools, and assert your rights, you level the playing field.
With DIY Fix My Score, you gain the power to dispute, negotiate, and protect your
future credit—and may avoid long-term damage.
Disclaimer: This content is for informational purposes only and does not constitute legal advice. Laws vary by state; consult a licensed attorney if sued.
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