STOP Midland Credit Management (MCM) Debt Collection NOW!
by Adam Mack, J.D.
How Did It Start?
Midland Credit Management (MCM) is a debt collector. If you have been contacted by MCM, that likely means a creditor who believes you owe them money has hired MCM to collect that debt. Debt collection can be hard a person financially, mentally, and emotionally. The relentless phone calls and the letters can be exhausting and intimidating. And, if a debt collector is not able to get the money they are attempting to recover, they may refer you to a collection law firm whose job is to file a law suit to collect the debt. And a judgement from such a law suit can result in more invasive collection techniques, such as garnishment of wages or bank accounts.
How to Make It Stop?
One sure way to stop debt collection is by filing for bankruptcy protection. Normally, a person with consumer debt who wants to file bankruptcy would file chapter 7 or chapter 13 bankruptcy. Bankruptcy is a powerful legal protection that will override a debt collectors right to contact you, sue you, or make any attempt to collect debt. Bankruptcy is so powerful that it can force an ongoing collection law suit to stop while it is still pending. Bankruptcy can even discharge a debt established in a law suit, even if the court has already granted a judgement in favor of the creditor.
The Most Important Part
This article highlights some of the strengths and benefits of bankruptcy. However, bankruptcy law is very complicated and highly technical. There are many nuances that must be explored to determine if bankruptcy is a good fit for you. As such, an experienced bankruptcy lawyer is invaluable. Debt collectors have lawyers on their side. You should have one too. Contact a Topeka bankruptcy attorney today. You can schedule a free consultation with our office by calling us at (785) 274-9040.
(If you found our page by accident and are trying to reach MCM, you can visit their website here. We are not affiliates of MCM.)