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Letter from Midland Credit Management today


CTSMOM01
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The last post in this topic was posted 4306 days ago. 

 

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I received a letter that is from Midland today. It is in SPANISH! Mind you I speak English and do not speak any Spanish. This account is on my credit report and is listed like this

 

Account Name Account Number Date Opened Balance Date Reported icon_cs_question_small_4gray.gif Past Due Status icon_cs_question_small_4gray.gif Credit Limit MIDLAND FUNDING LLC 07/13/2012 $495 03/20/2013 $495 COLLECTION ACCOUNT MIDLAND CREDIT MGMT INC

8875 Aero Dr Ste 200
San Diego, CA-921232255
(800) 825-8131

Account Number: Status: COLLECTION ACCOUNT Account Owner: Individual Account. High Credit: $495 Type of Account : Open Credit Limit: Term Duration: Terms Frequency: Date Opened: 07/13/2012 Balance: $495 Date Reported: 03/20/2013 Amount Past Due: $495 Date of Last Payment: Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: 09/2012 Months Reviewed: 6 Creditor Classification: Activity Designator: N/A Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Factoring Company Account (debt buyer) Date of First Delinquency: 05/2010 Comments: Collection account 81-Month Payment History No 81-Month Payment Data available for display.

I translated the letter and this is what it says

 

"PLAN FOR PAYMENT SPECIAL OFFERS ARE AVAILABLE TO HELP YOU RESOLVE YOUR ACCOUNT WITH

T-MOBILE. I WOULD LIKE TO OFFER YOU THE OPPORTUNITY TO SETTLE THEIR ACCOUNT
WITH A 40% DISCOUNT. REDUCE THE AMOUNT THAT MUST AND PAY OFF YOUR ACCOUNT
TODAY. IF WE RECEIVE $296.77 BEFORE 05-11-2013, YOUR ACCOUNT BALANCE WILL BE
CONSIDERED PAID IN FULL, BY SUSPENDING SO ALL COLLECTION ACTIVITY! IF YOU CAN'T
MAKE THE SUGGESTED PAYMENT, WE COULD PROVIDE YOU WITH PAYMENTS AS LOW AS $50 A
MONTH TO HELP SETTLE THIS ACCOUNT. WE COULD HELP YOU TO UPDATE. CALL US NOW AT
(800) 282-2644 SO WE CAN EXPLAIN YOUR OPTIONS. WHEN YOU CALL, OUR STAFF WILL
HELP FIND A SOLUTION THAT IS WITHIN YOUR BUDGET OR NEEDS. DON'T MISS THIS
OPPORTUNITY TO SAVE $197.85 ON HIS BALANCE OF $494.62. WE LOOK FORWARD TO
HELPING YOU.



AND FROM THIS COMPANY COULD BE MONITORED OR RECORDED CALLS.

 

So I wanna know what do you think I should do? I would love a PFD, but I know from other's experience that they won't budge. The SOL in NC is 3 years so it's close to it right? The first date of delinquency is 05/2010.

Edited by CTSMOM01
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As always thanks for responding!

1. What about this letter being in Spanish? Should I copy it and send it back to them so that they can send me an ENGLISH letter? (since this is my documentation)

2. Do you think I can get a PFD with paying the discounted rate? BBB3601 what did you end up doing? Did you pay the full amount or discounted rate, then asked for the delete?

 

Any help is always appreciated.

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  • 2 weeks later...

I would like to know if I should send Midland something regarding the letter being in Spanish since I am English speaking? I thought this might be a good idea since it's part of my paper trail. Any advice?

 

Why not use google translator and reply to it in Russian. or Japanese ?

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