Midland funding bought my old debt from Citi in late December of 2022. I been reading through the forum and watching videos on YouTube on how to beat Midland. The problem is this:
#1 I never sent or disputed the debt
#2 I have spoken to them many times and have validated the debt is mine
#3 It's a large debt in the amount of $24k.
#4 It's in prelegal status final stage per the email they sent
#5 They have all the statements from Citi from what I saw in their web portal.
What would be the best approach in dealing with this mess? If I'm sued, it will cost me under 3k to defend and litigate. I offered 30% of the balance with installments but they won't budge.