Hey there. So I received a ‘Pre-Legal Notification’ letter from MCM on 6/18/20 (i’ve been out of town since the 16th and just got home yesterday) and it states ‘Midland Credit Management has made several attempts to contact you regarding this account, and MCM is now considering forwarding your account to an attorney in your state for possible litigation. If we don’t hear from you or receive payment by 7/18/20, we may proceed with forwarding this account to an attorney’
The full balance shows $1.744.79. I’m currently unemployed due to the pandemic and have no idea when I will be re-employed. I’m not going to go into the details of the debt, but I was advised by a close friend to make a post on here and ask you guys how I should proceed from here. I’m extremely stressed out over this whole thing and really need help on how I should proceed and what I should do/respond with. I barely have $10 in my bank account right now due to being unemployed + having to take care of my mom, and i’ve been her caregiver for the last 8 months and having to pay her medical bills (hence why I barely have $10 in my bank account at the moment)
Any help/advice you guys could give me on this would be extremely, and I mean EXTREMELY appreciated.