Location: Miami, Florida
So basically back in 2022; due to domestic violence issues and randomly loosing my job. I was homeless and not in the best financial situation and could not pay off my credit cards.
Flash foward to now, I am doing much better financially. I have been paying off the debts I owe from that time; and have been good with it.
Last year I got sued by Midland Credit Management for a debt from Credit One Bank for a debt amount of $1500. Basically I retained a lawyer for $550; and in the end the case was dismissed with prejudice. From what I gathered from the documents; the lawyer I retained basically asked the company to prove the debt was mine and they couldn’t.
Flash forward to Friday, I got a call from a weird number, answered it and it is a debt collection company called Unifin. The person on the line said they had control over the Credit One debt and asked if I had plans to pay it. I was confused and the conversation goes as followed.
Me: “What do you mean I was already sued for that debt?”
Debt Collector: “You are not being sued by our company; we just want to know if you have plans to pay the debt.”
Me: “No, you do not understand, last year I was sued for this same debt. I hired a lawyer, the case was dismissed.”
Debt collector, getting flustered: “Oh, well can you send proof via email.”
Me: “Sure, I am walking my dogs tho can you send me an email, I can give you my email address and send you the case documents as a reply when I am in the house.”
Debt Collector: “Say’s he”ll let someone know” and hangs up call.
Later that day I got a letter from Unifin telling me that they own my Credit One Debt and asking me to pay or dispute the debt. I am 100% sure this is the same debt from before; the amounts are the same and I only had one card with Credit One. Plus as soon as this case was dismissed Credit One tried to get me to open another credit card with them ðŸ«
So I am wondering should I just send the letter back saying I am disputing the debt and list the reason as this case/debt has been dismissed with prejudice already. Or send them the notice of dismal with prejudice with the case number? I also thought of just compiling all the case documents sending it to them.
I have consider contacting the lawyer who represented me but only if they are isistent that I have to pay this debt when I shouldn’t. My guess is Credit One sold my debt to both Midland Credit Management and Unifin.
Comments
I would send them a letter of dispute with a copy of the dismissal order, and with an instruction not to contact you.
I would just sent the dismissal order with a cease and desist letter to ever contact you again. My thinking is that the case is already done. By disputing it you might be opening the door by asking proof of the debt. What happens if they have the proof now ? You might restart the process to collect.
Midland is kinda scamy, I had a dispute with them that was proved and then they immediately sold the debt to someone else and I had to go through it all over again