I received a FedEx envelope (I did not sign for) from Midland Funding. It is a "Pre-legal Notification" letter. It says its considering forwarding this account to an attorney in my state (Florida) for possible litigation. I am really freaking out. I just started getting my credit back on track. I have had some people tell me to do a debt validation letter but that means I am accepting the debt and I have others tell me to dispute the debit in its entirely since they did not provide original documentation to verify this debit is mine.. Any help will be greatly appreciated
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