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Being Sued by Midland Funding, LLC? Here’s What You Need to Know
If you have been sued by Midland Funding, LLC, New Path Law Firm can help you defend your case. We offer a free consultation with no obligation, and we will explain your options for protecting your rights.
Midland Funding, LLC is one of the largest debt buyers and collectors in the U.S., including Texas. A subsidiary of Encore Capital Group, Midland Funding purchases charged-off credit card debt portfolios and often files lawsuits to collect on these debts.
Midland Credit Management, Inc. is another subsidiary that acts as the account servicer, handling debts before they are referred to attorneys for collection lawsuits. Midland Funding typically serves as the legal entity filing debt collection lawsuits.
Midland Funding is known for filing thousands of credit card debt lawsuits, often using multiple law firms, including:
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Jenkins Wagnon (Lubbock, TX)
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Rausch Sturm Israel Hornik (Addison, TX)
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Fulton Friedman & Gullace (Houston, TX)
They are a prototypical debt buyer, purchasing large portfolios of delinquent accounts and using aggressive litigation strategies, often filing lawsuits in bulk across Texas.
1
Review the Lawsuit Carefully
When Midland Funding, LLC sues, the first step is to read all court documents thoroughly.
Look for:
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Your court date and response deadline (usually 14–30 days)
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The case number and amount claimed
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The law firm representing Midland Funding, LLC
Important: If you fail to respond on time, Midland Funding, LLC can obtain a default judgment, giving them the power to garnish your wages or freeze your bank account in many states.
2
Identify the Law Firm Suing You
Many people are surprised when they see a local law firm listed on the lawsuit instead of Midland Funding, LLC directly.
This doesn’t mean the debt was sold — it simply means Midland Funding, LLC has hired a collection law firm to pursue payment through the courts.
Knowing who’s representing them helps your attorney respond effectively and start negotiations if appropriate.
3
Understand the Nature of the Claim
Most Midland Funding, LLC lawsuits involve unpaid credit card accounts or personal loans.
The lawsuit (called a petition or complaint) should identify the debt, include part of your account number, and specify the total balance they claim you owe.
If anything seems unclear or inaccurate, do not assume it’s correct — even large banks make errors.
4
Check for Errors or Missing Proof
Just because you’re being sued doesn’t mean the debt is valid or correctly calculated.
Midland Funding, LLC and their attorneys must prove:
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They own the debt
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The balance is accurate
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The lawsuit is filed within the statute of limitations
5
File a Response (Do Not Ignore the Lawsuit)
It’s critical to file your legal answer with the court before the deadline. You must also send a copy to the opposing attorney to avoid a default judgment.
6
Consult a Debt Defense Attorney
This is where New Path Law Firm can make a real difference.
Our experienced attorneys focus exclusively on debt relief, debt defense, and creditor lawsuit representation.
We can help you:
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Challenge inaccurate or unverified claims
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Negotiate reduced settlements
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Stop collection harassment
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Protect your wages and bank accounts
7
Consider Settlement or Alternative Resolutions
Many Midland Funding, LLC lawsuits can be resolved without going to trial.
Our attorneys often negotiate reduced balances or interest-free repayment plans, ensuring fair and affordable outcomes for our clients.
Take Control of Your Situation Today.
Call us at: (800) 699-2341
Related Links:
What Happens After a Judgement
Bank Garnishment
A judgment creditor may be able to freeze or withdraw funds from your bank account. This can happen quickly — and often without much warning.
Credit Report Impact
Judgments can appear on your credit report as a public record, negatively affecting your credit score and overall financial profile.
Judgement Lien
A judgment can sometimes create a lien on your property, which may complicate refinancing or selling your home until the matter is resolved.
Property Seizure
In some cases, certain assets or property may be sold at auction to help satisfy the judgment.
Don't Leave it to chance. Take Control of Your Situation Today.
Call us at: (800) 699-2341