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The link you used to get here is faulty. It’s an excellent idea to let the link owner know. I Won My Alabama Collection Lawsuit! Sued In Alabama By A Debt Collector?

While I would never suggest that you should be thrilled at being sued, because you should not, being sued is not the same thing as losing. Being sued is not the same thing as having a judgment against you. Being sued is not the same thing as having your wages garnished. But keep in mind that the first thing to do is to make sure that you are not making any decisions based upon a panic state of mind. The debt buyer, and its collection lawyer, are hoping that you will panic and will not make a careful and reasoned decision.

The fact that you are here, reading this, suggests that you have already won this part of the battle by not panicking and instead you are learning more about your rights so that you know what action to take. The second thing to do is to keep in mind that the debt buyer must prove that it owns the debt. Well, I know that owed some money on some old credit card. So I guess this new company must own that debt now. Do you see the problem with that way of thinking? It assumes that you really do owe an old credit card debt.

Are you sure that it was not paid off when you refinanced your house? Are you sure that you did not pay it off through a debt collector? It also assumes that this company that has sued you, that you have probably never heard of, owns that debt. Why not assume that a neighbor owns the debt? There’s no basis for assuming that this company, that you have never heard of, owns the debt that you may or may not owe. Okay, I’ve been sued by Midland Funding.

I have no idea if I owe Midland Funding any money because I have no idea who Midland Funding is. I seem to recall owing an old credit card debt. I wonder if this is the same debt? If it is, how in the world did Midland Funding get it? I think that I will do some investigation and check things out before assuming that this company that I’ve never heard of, Midland Funding, owns a debt that I may or may not owe.