If you’ve received a letter or lawsuit from Midland Credit Management (MCM), you’re not the first — and definitely not the last. Midland is one of the biggest debt collectors in the country, and they’ve built a business around buying old accounts and suing consumers in bulk.

But here’s the good news: just because they filed a lawsuit doesn’t mean they’ve got you beat. In fact, many of their cases fall apart once you know how to respond the right way. Let’s break down some of the most common myths about Midland — and the real facts that can help you fight back.

🕵️ Myth vs. Fact: Breaking Down Midland’s Tactics

• ❌ Myth #1: “If Midland sues me, I have to pay.”

✅ Fact: A lawsuit is just a claim, not a guaranteed win. Midland must still prove they own the debt, the balance is correct, and that they served you properly. Many times, they stumble.

• ❌ Myth #2: “Midland has all the paperwork.”

✅ Fact: They sometimes rely on incomplete or generic account records. The only way to test whether they really have proof is through the formal discovery process (written questions, document demands, depositions). A phone call won’t cut it — but discovery can expose major gaps.

• ❌ Myth #3: “They can just submit documents instead of showing up.”

✅ Fact: Midland loves to use declarations instead of live witnesses. But under the law, they can be forced to bring someone who actually understands the records. That’s where their case often weakens.

• ❌ Myth #4: “If they get a judgment, I’m out of options.”

✅ Fact: Even after a judgment, creditors must play by the rules. If they garnish more than allowed, mis-handle service, or use misleading tactics, you may have claims under California’s Rosenthal Fair Debt Collection Act or federal law.

💪 Why Fighting Back Works

Midland files cases by the thousands because they expect most people to ignore them. By responding, serving discovery, and demanding witnesses, you instantly move into the “hard fight” category — which makes your case much less profitable for them. That’s when settlements become possible, and in some cases, dismissals.

⚖️ Who We Are

At The Fullman Firm, we’ve been defending Californians from debt buyers like Midland for over 20 years. We’ve handled thousands of cases and saved clients millions of dollars. What makes us different? Our savings-based bonus system means our motivation is crystal clear: the more money we save you, the more successful we both are.

📋 Action Plan: What to Do If You’re Sued by Midland

• Don’t ignore it. File a timely response with the court.

• Start discovery. Demand contracts, account statements, and proof of ownership.

• Challenge witnesses. Don’t let them rely only on paperwork.

• Check for violations. Service issues, errors, or misleading notices can all give you leverage.

• Negotiate smart. With pressure on your side, you can often settle for far less.

🚀 Take the First Step

Midland counts on fear and silence. You don’t have to give them either. With the right defense, you can turn their lawsuit into an opportunity to protect yourself and your finances. Call us today for a free case review — and let’s make Midland play by the rules. 📞💬