Consider fighting back. Were you aware that Midland got a judgment against you in the first place? Many attorneys will give you a free...

Can a collection agency put a fraudulent account on my credit report?

This sounds like it could be a Fair Debt Collection Practices Act case. Reporting to a Consumer Reporting Agency can be considered a collection...

My dad and I both have same first and last name and he is manipulating my identity to keep himself afloat, how can I stop him?

This also sounds like an FCRA "mixed file" case where the Consumer Reporting Agencies could be liable for combining his data with your credit...

Hello i have a garnishment on my paycheck. I have never heard of the creditor they are not listed on my credit report

Creditors have to have a legal judgment before they can garnish. They have to have proper service of process in order to get a judgment! If you...

Does returning a collection agency's phone call void a cease-and-desist letter I sent to them?

Short answer: You will probably not weaken your "do not call" violation by initiating contact with them but it may impair your claim for actual...

Am I able to even fight this case?

"Mixed file" FCRA cases can be good ones. Get the fact first by pulling all of your credit reports for free at www.annualcreditreport.com (use the...

How to clean my credit. How exactly should I pay my debts in order to get them removed and increase my credit score/

The ones that are approaching 7.5 years since date of delinquency are about to fall off the report. You may not want to pay those. Paying a partial...

I have an old debt (unsecured) that will be 7 yrs 180 days past due in Oct. MCM is reporting the debt as current is this legal?

Re-aging is absolutely illegal under the Fair Credit Reporting Act. In most jurisdictions, filing or threatening to file suit on a "time barred"...

Your contract is likely to be controlling in the situation except to the extent that it tries to relieve them of liability for illegal collections...

Robocalls from Charter Communications

You may have a case. Here's language directly from the Federal Trade Commission talking about the TCPA: THE ENTITY-SPECIFIC DO NOT CALL...