“I got served papers by Midland Funding but I think it is a scam so I’m going to ignore the lawsuit papers”

“I got served papers by Midland Funding but I think it is a scam so I’m going to ignore the lawsuit papers”

"I got served papers by Midland Funding but I think it is a scam so I'm going to ignore the lawsuit papers"I have spoken with consumers who have been sued by Midland Funding and they decide to ignore the lawsuit.

There are many things you can say about Midland Funding (and Midland Credit Management — the collection side of Midland Funding) such as they break the law (Fair Debt Collection Practices Act — FDCPA, and others that we have repeatedly sued in federal court on) but Midland is a real company.

They really files lawsuits in Alabama.

Midland files real lawsuits in Alabama.

About a 100 a week.

Now the lawsuit may not have any basis — it may violate the law — you may can win the suit and sue Midland, but never think you should ignore the lawsuit.  Instead treat the lawsuit very seriously or you will have terrible consequences.

There is no doubt that there are many scams out there including:

  • Bogus companies that say they will “mediate” your lawsuit and they end up letting a default judgment happen against you;
  • Bogus debt collectors — especially on payday or online loans — who will claim to have you arrested if you don’t pay; and
  • Other scams that are limited only by one’s imagination to cheat others.


If you get court papers, it is a terrible idea to assume the papers are bogus and ignore them.

If you get letters from, for example, Ferry & Nicholas, saying you have been sued, you need to check this out very carefully.

I don’t recommend hiring Ferry & Nicholas as they appear to me to practicing law without a law license (kind of like going to a doctor who isn’t really a doctor) but they do a good job of letting you know if you have actually been sued.

[Update July 2017 — it appears Ferry & Nicholas is going out of business so you may not get these letters but you will likely get letters from a bankruptcy attorney vaguely referencing financial problems.  This almost certainly means you have been sued.]

Pretending court papers (lawsuits) don’t exist doesn’t make them go away.

And assuming they are bogus doesn’t make the judgment against you any less real.

So if you get even a hint of a lawsuit against you, take immediate action.

Find out what is happening and fight the case or settle the case or (rarely) file bankruptcy.  Discover your five (5) options when sued by Midland and then pick the best one for you.

We can help you think through these options on how to deal with Midland Funding.

Contact Us

If you are in Alabama, you can give us a call and we can look up the case for you to let you know if it exists.  

If it does, we can help you think through your five options.  

Call us at 1-205-879-2447 or contact us through this site and we’ll be happy to help you.

Best wishes!

-John G. Watts

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