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Some opinions, please

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A few months ago, I received a debt collection letter from Midland Funding.  I found a validation letter on another site and sent it to Midland.  All they sent me was a copy of the original creditor’s charge off statement.  

I have been doing more research and from what I have found on this and other sites, the letter I sent requested things that were not required for Midland to send me.  

Does anyone have any opinions about this article?   I know the letter is wrong   What do you think about the rest of the advice?

 https://toughnickel.com/personal-finance/You-Can-Beat-Credit-Card-Debt-Collectors?utm_source=maven-coalition&utm_medium=hubpages&utm_campaign=liftigniter&utm_content=hp-related


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