Sued by Midland Funding?

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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 debt lawsuits. In our experience, Midland usually can’t prove the cases it files. That means you have a high chance of winning a Midland Funding lawsuit.

If you’re getting sued by Midland Funding, call us for help. We charge flat fees and refund our fee if we lose. To get a free case review from our debt defense attorney, call us or fill out our free case review form.

Let us answer your debt defense questions:

Why is Midland Funding suing me?

"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 Midland buys debt for deep discounts, it tries to collect the debt for profit. 

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

Can I win if I get sued by Midland Funding?

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.

We generally win Midland Funding lawsuits because: 1) Midland hires “appearance attorneys” to attend court hearings; and 2) Midland doesn’t have the documents or witnesses 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.

What is the likelihood of winning a Midland Funding lawsuit?

Generally, the likelihood that you’ll win a Midland Funding lawsuit is high. We win the overwhelming majority of Midland lawsuits we defend. 

To gauge your chance of success in a particular case, we evaluate numerous factors including:

  • The amount at issue.
  • The age of the account at issue.
  • 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 identity of the original creditor.
  • The court in which your case is pending.
  • The county in which your case is pending.

To see your chance of success, call us today or complete our contact form for a free case evaluation.

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 us to help!

If you’re getting sued or harassed by Midland Funding, please contact us for help. To get a free case review from our debt defense attorney, please complete our our free case review form.

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