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  1. I have filed for arbitration and Midland contacted me to settle with a "mutual walk-away". Thank you for everyone's help! @legaleagle2012Thank you for your advice. I owe you one!
  2. How would I go about putting them into arbitration? @cv91915Thank you so much for your advice!
  3. I believe the total balance was 7-8k. I'm unable to sustain the payment plan. I have not yet responded to them. Do you think they would reduce the payment to around 1k and then delete it off my credit history?
  4. Hi everyone, I hope this is in the right place. I was dumb during college and used the paypal credit as a way to fund other activities and I disregarded the payments (bad information, originally thought they wouldn't report to my credit). So now they have transferred it to midland credit. They have sent me letters for settlements of 5k with payment payments etc. After checking CK, the debt is currently 1 year old and has impacted my credit score. I don't have the money to pay the full amount back. What are some of my options? Thank you taking the time to read this.
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