Sued by Midland Funding?

debybuyer

Midland Funding lawsuits are common in Pennsylvania. Midland is a debt buyer that files many types of collection lawsuits, including credit card lawsuits, personal loan lawsuits, and other consumer debt lawsuits. In our experience, Midland usually can’t prove the cases it files. That means consumers have a high chance of winning a Midland Funding lawsuit.

If you’re getting sued by Midland Funding, visit BCJ Law’s debt defense page to learn how we can help you. We don’t charge fees unless we win, and we refund any advance fees if we lose. To get a free case review from our debt defense attorney, call us at 1-800-997-5561 or fill out our free case review form.

Let us answer your debt defense questions:

Midland Funding is suing me, who are they?

"Midland Funding files so many lawsuits for one reason: it wants to profit off bad debts."

When consumer debt becomes severely delinquent, creditors often charge-off the account. Sometimes, they try to collect the account themselves. Other times, they sell the account to a third-party “debt buyer.”

Midland Funding is one of the “debt buyers” that purchases delinquent consumer accounts. Debt buys like Midland usually purchase old debt at steep discounts (the Federal Trade Commission (FTC) stated debt buyers paid 4 cents on the dollar for old debt, and the Consumer Financial Protection (CFPB) stated one debt buyer paid 3 cents on the dollar for old debt). After it buys debt for deep discounts, Midland tries to collect the debt for profit. 

In Pennsylvania, Midland sues tens of thousands of consumers each year. Throughout the whole United States, Midland likely files hundreds of thousands of lawsuits each year. Midland Funding files so many lawsuits for one reason: it wants to profit off bad debts.

How do debt defense attorneys win Midland Funding lawsuits?

The strategies we use to win Midland Funding lawsuits differ depending on whether your case is filed in a magistrate court or a common pleas court. Our strategy also may change depending on whether you’re dealing with a credit card lawsuit, personal loan lawsuit, or some other type of debt collection lawsuit.

That said, we generally win Midland Funding lawsuits because: 1) Midland hires “appearance attorneys” to attend court hearings; and 2) Midland doesn’t have the documents required by Pennsylvania law. Appearance lawyers and deficient documents are not enough to win: 

  • Appearance Attorneys: an "appearance attorney" is a lawyer hired to appear for a debt buyer in court. These attorneys can't testify, don't have any knowledge about your case, and know nothing about the documents debt buyers give them to present in court.
  • Deficient Documentation: Pennsylvania law requires debt buyers to produce credit contracts, full account statements, and assignments. They usually don't have all of this documentation. And, even if they do, their appearance attorneys don't have any knowledge about the documents.

For detailed information on how we win specific cases, read these posts on BCJ Law’s debtdefensepa.com website: How to Win Magistrate LawsuitsHow to Win Common Pleas LawsuitsHow to Win Credit Card LawsuitsWhat is a Debt Buyer; or Who is Midland Funding.

How likely is it that a debt defense attorney can win a Midland Funding lawsuit?

Your chances of winning a Midland Funding lawsuit depend on many things, including the following: 

  • Whether your case is filed in the magistrate or common pleas court.
  • Which magistrate or common pleas judge is overseeing your case.
  • The type of debt at issue (credit card, personal loan, auto loan, etc).
  • The lawyer/law firm that filed your case (Pressler Felt & Warshaw, Hayt Hayt & Landau, or an in-house attorney named Daniel Santucci).
  • The age of the debt and the amount of the debt at issue.
  • The identity of the original creditor.

Our debt defense attorney, like most competent lawyers, has a high success rate for consumers getting sued by Midland Funding in Pennsylvania. Complete our contact form, or call 1-800-997-5561 for a free case review.

Should I ignore a Midland Funding lawsuit?

You probably shouldn’t ignore the fact that you’re getting sued by Midland Funding. If you do, a default judgment likely will be entered against you. A “default judgment” is a court order stating that you owe the debt Midland claims you owe. After such a judgment is entered against you, debt collectors can seize property and garnish bank accounts.

Some people ignore collection lawsuits because they think they don’t owe the debt or already paid it, or because they think the debt is past the statute of limitations. Don’t do this. Court’s won’t analyze a lawsuit to make sure it’s not defective. If you ignore a Midland Funding lawsuit, they’ll win without even having to show up. Then, you’ll owe a debt you shouldn’t owe.

Do I have any rights when Midland Funding is suing me?

The Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA), and many other laws regulate how Midland Funding interacts with consumers. If Midland violates any of these laws, then you likely have claims or counter-claims you can assert against Midland.

To see how we can help with debt collection harassment or credit reporting violations, visit our pages on debt harassment and credit reporting. For detailed information on how to deal with debt collectors, read these posts on BCJ Law’s debtdefensepa.com website: How to Deal With Debt CollectorsHow to Deal with Debt Collection RobocallsHow to Deal with Debt Collection Letters.

Hire BCJ Law to help!

If you’re getting sued or harassed by Midland Funding, please contact BCJ Law for help. To get a free case review from our debt defense attorney, you can call us at 1-800-997-5561 or fill our our free case review form.

Recent Articles

Sued For Old Debt?

If you’re getting sued on a debt that’s over four years old you likely can win the case and get damages.

Share This Page!

Share on facebook
Share on twitter
Share on linkedin
Share on google
Share on print
Share on email