How One Member/Defendant Got a Major Debt Buyer Lawsuit Completely Dismissed

The Result That Proves Fighting Back Works

We just received an incredible testimonial that perfectly demonstrates why you should never give up when facing a debt collection lawsuit. A defendant successfully got Midland Credit Management's case dismissed with prejudice after challenging their evidence and exposing fatal flaws in their documentation.

The Smoking Gun: A Generic Bill of Sale

Midland's "proof" of ownership was a joke with a generic Bill of Sale that mentioned no specific account details, account numbers, or even the defendant's name. Even worse, the timeline didn't add up: MCM claimed they bought the debt in October 2019, but the defendant's last payment to the original creditor was over a year later in November 2020. How do you sell a debt that's still being actively paid?

Missing the Most Important Document

Throughout the entire case, MCM failed to produce the original signed credit agreement between the defendant and Comenity Bank, despite specific written requests. Even Comenity's Affidavit did not mention the name of the client/Defendant or his debt. There was no original contract or any assignment of the actual defendant debt. Without this foundational requirement, they couldn't prove the defendant ever agreed to the terms they claimed were violated.

The Bottom Line

This case was dismissed with prejudice, meaning MCM can't come back and try again. This is proof that debt buyers often rely on consumers not fighting back rather than having solid legal cases. So, Fight Back and use their documents against them through www.killdebt.com with the AI power of ParkerGPT.