Preview
FILED: SARATOGA COUNTY CLERK 08/02/2022 12:47 PM INDEX NO. EF20211477
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 08/02/2022
Midland 350Camino
DeLaReina
° '^S²¹°*
Your account has a new home. a°nd9ement
Important Detaits Regarding Your Account
Original Creditor CAPITALONEBANK(USA),N.A. Date of Letter 12/20/2019
Original Account Number xxxxxxxxxxxx2358 Charge-off Amount $5,321.32
Charge-off Date 10/25/2018 Post Charge-off Interest Accrued $0.00
Last Payment Date 9/26/2019 Post Charge-off FeesAccrued $0.00
Date of Default 5/21/2018 (Less) Payments and Credits ($-1,200.00)
Current Owner Midland Credit Management, Inc.
Current Servicer Midland Credit Management, Inc.
Current Balance $4,121.32
MCM Account Number 4460
To welcome you to MCM, we'd like to offer
you an opportunitytoresolvethisaccountwith no further or phone
letters calls.
Visit
MidlandCredit.comor Call 877-682-4969
Dear Kristal,
On 12/16/2019, your account was sold to Midland Credit Management, Inc., which is now the sole owner of this debt.
Midland Credit
Management, Inc. ("MCM"), a debt collection company, will be collecting on and servicing your account, Your current balance is $4,121.32.
YOURVALIDATION RIGHTS,REQUIREDINITIAL DISCLOSURES,
AND ADDITIONALACCOUNTINFORMATION:
Debt collectors are prohibited by 15 U.S.C.§1692 et seq., from engaging in abusive, deceptive and unfair collection efforts, including the use or
threat of violence, the use of obscene or profane language, and repeated phone callswith the intent to annoy, abuse or harass.
If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of
income from being taken to pay the debt:
" Supplemental Security income (S51); " Unemployment benefits; " Veterans' benefits;
" Social Security; " Disability benefits; " Federal student loans, federal student
" Public assistance (welfare); " Workers' compensation benefits; grants, and federal work study funds; and
" Spousalsupport, maintenance (alimony) or
" Public or private pensions; " Ninety percent of your wagesor salary
child support; earned in the last sixty days.
The records associated with the CAPITALONEBANK(USA),N.A.
if you request, in writing, within thirty (30) days after receiving this
notice, MCM will provide you with the name and addressof the
account purchased by Midland Credit Management, Inc., reflect that
original creditor. Write to: 320 E Big Beaver Rd.Suite 300, Troy, MI
you are obligated on this account, which is in default. As the owner of
this account, but subject to the rights described below, Midland Credit
48083
Management, Inc. is entitled to payment of this account. All
If an attorney represents you with regard to this debt, pleaserefer this
communication regarding this account should be addressedto MCM
letter to your attorney. Likewise, if you are involved in an active
and not the previous owner.
bankruptcy case, or if this debt has been discharged in a bankruptcy
Unlessyou notify MCM within thirty (30) days after receiving this
case, please refer this letter to your bankruptcy attorney so that we
notice that you dispute the validity of the debt, or any portion thereof,
may be notified.
MCM will assumethis debt to be valid. Pleaseremember, even if you make a payment within thirty (30) days
after receiving this notice, you still have the remainder of the thirty
If you notify MCM, in writing, within thirty (30) days after receiving
(30) days to exercisethe rights described above.
this notice that the debt, or any portion thereof, is disputed, MCM will
of
obtain verification of
the debt or a copy
ajudgment (if there is a
You are hereby notified that a negative credit report reflecting on your
judgment)andMCM will
mail
you acopyofsuchverification
or credit record may be submitted to a credit reporting agency if you fail
judgment. Write to: 320 E Big BeaverRd.Suite 300, Troy, MI 48083;
to fulfill the terms of your credit obligations.
Attn: Consumer Support Services.
Sincerely,
Tim Bolin
Division Manager
8am - Midnight ETSat-Sun Sam - 7:30pm ET
Hours of Operation: Mon-Frh
MidlandCredit Management,Inc.
MidlandCredit.com 877-682-4969 POso×301030
LosAngeles,CA90030-1030
PLEASE SEE REVERSE SIDE FOR IMPORTANT DISCLOSURE INFORMATION
Checkhereif you providedupdatedcontactinformadonon thereverseside. Manage Your Account Online
MCM Account Number 4460 MidlandCredit.com
Current Balance $4,121.32
Total Enclosed
Make checks payable to:
Midland Credit Management
Enter your MCM Account # on all payments
Kristal L Gessler
11 Broadway Ste 13 877-682-4969
New York, NY 10004-1307
'llillll'llll'lilllllli'l'lill'lllil'
ˆ"Ill'll Ill se hablaespañol
877-684-0217
vNY001
FILED: SARATOGA COUNTY CLERK 08/02/2022 12:47 PM INDEX NO. EF20211477
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 08/02/2022
Please understand thisis a commumcation from a debt collector.
Thisis an attempt to a debt.
collect
Any information obtained willbe used forthat purpose.
Flexiblepayment options available
We'd like
to offeryou an opportunityto resolvethisaccount with no further or
letters
phone calls.
Receive PersonalizedService
VisitMidlandCredit.com or Call 877-682-4969
This does not
alteror amend yourvalidationrights
as describedon the front
of this
letter.
We are not obligated
to renew provided.
any offers
MCM is committedto the
maintaining higheststandardsof honestyand respect.
If you are unable
topay today,please
view youroptionsonlineat MidlandCredit.comor call one of our Account
Managers to discuss options.
at 877-682-4969
ExperiencetheMCM Difference
" Visit MidlandCredit.com
or Call 877-682-4969 an opportunity
to accept to resolve this
.g p ys. accountwith no further
letters
or phonecalls.
" A dedicated
Account Manager will
be assigned to your
account.
" The highest
level of transparency
(see reverse side for our quick summary).
Calls to and/or
from this companymay be monitored or recorded.
Send Payments to: Send disputes or an instrument
tenderedas full satisfaction
of a debt
MidlandCredit Management,inc. to: Attn:
Consumer Support Services
PO Box 301030 320 E Big Beaver Rd. Suite 300
Los Angeles, CA 90030-1030 Troy, MI 48083
You may also call: 877-682-4969
We are requiredunder state
law to notify
consumers of the following
rights.
This list does not contain
a completelist of the
rights
consumers have understateand federal
law:
New York City Department
of Consumer License Number:
Affairs 1140603,1207829, 1207820,1227728,2022587, 2023151,
2023152,2027429, 2027430,2027431, 2058507
PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DVALC
your telephone
By providing number below, you outhorize your account at such number by
MCM or its agents to contact you regarding
any means, including calling, texting, using automated
dialer systems and automatic
telephone dialing systems, and using pre-recorded or
artificial your e-mail address below, you agree to receive electronic moil communications
voice messages. By providing from MCM or its
agents regarding
your account at such e-mail address and confirm that such e-mail address is notfurnished
or owned by your employer
Street Address
City State ZIP
Email Cell Phone
Work Phone Home Phone
Preview
FILED: SARATOGA COUNTY CLERK 08/02/2022 12:47 PM INDEX NO. EF20211477 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 08/02/2022 Midland 350Camino DeLaReina ° '^S²¹°* Your account has a new home. a°nd9ement Important Detaits Regarding Your Account Original Creditor CAPITALONEBANK(USA),N.A. Date of Letter 12/20/2019 Original Account Number xxxxxxxxxxxx2358 Charge-off Amount $5,321.32 Charge-off Date 10/25/2018 Post Charge-off Interest Accrued $0.00 Last Payment Date 9/26/2019 Post Charge-off FeesAccrued $0.00 Date of Default 5/21/2018 (Less) Payments and Credits ($-1,200.00) Current Owner Midland Credit Management, Inc. Current Servicer Midland Credit Management, Inc. Current Balance $4,121.32 MCM Account Number 4460 To welcome you to MCM, we'd like to offer you an opportunitytoresolvethisaccountwith no further or phone letters calls. Visit MidlandCredit.comor Call 877-682-4969 Dear Kristal, On 12/16/2019, your account was sold to Midland Credit Management, Inc., which is now the sole owner of this debt. Midland Credit Management, Inc. ("MCM"), a debt collection company, will be collecting on and servicing your account, Your current balance is $4,121.32. YOURVALIDATION RIGHTS,REQUIREDINITIAL DISCLOSURES, AND ADDITIONALACCOUNTINFORMATION: Debt collectors are prohibited by 15 U.S.C.§1692 et seq., from engaging in abusive, deceptive and unfair collection efforts, including the use or threat of violence, the use of obscene or profane language, and repeated phone callswith the intent to annoy, abuse or harass. If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt: " Supplemental Security income (S51); " Unemployment benefits; " Veterans' benefits; " Social Security; " Disability benefits; " Federal student loans, federal student " Public assistance (welfare); " Workers' compensation benefits; grants, and federal work study funds; and " Spousalsupport, maintenance (alimony) or " Public or private pensions; " Ninety percent of your wagesor salary child support; earned in the last sixty days. The records associated with the CAPITALONEBANK(USA),N.A. if you request, in writing, within thirty (30) days after receiving this notice, MCM will provide you with the name and addressof the account purchased by Midland Credit Management, Inc., reflect that original creditor. Write to: 320 E Big Beaver Rd.Suite 300, Troy, MI you are obligated on this account, which is in default. As the owner of this account, but subject to the rights described below, Midland Credit 48083 Management, Inc. is entitled to payment of this account. All If an attorney represents you with regard to this debt, pleaserefer this communication regarding this account should be addressedto MCM letter to your attorney. Likewise, if you are involved in an active and not the previous owner. bankruptcy case, or if this debt has been discharged in a bankruptcy Unlessyou notify MCM within thirty (30) days after receiving this case, please refer this letter to your bankruptcy attorney so that we notice that you dispute the validity of the debt, or any portion thereof, may be notified. MCM will assumethis debt to be valid. Pleaseremember, even if you make a payment within thirty (30) days after receiving this notice, you still have the remainder of the thirty If you notify MCM, in writing, within thirty (30) days after receiving (30) days to exercisethe rights described above. this notice that the debt, or any portion thereof, is disputed, MCM will of obtain verification of the debt or a copy ajudgment (if there is a You are hereby notified that a negative credit report reflecting on your judgment)andMCM will mail you acopyofsuchverification or credit record may be submitted to a credit reporting agency if you fail judgment. Write to: 320 E Big BeaverRd.Suite 300, Troy, MI 48083; to fulfill the terms of your credit obligations. Attn: Consumer Support Services. Sincerely, Tim Bolin Division Manager 8am - Midnight ETSat-Sun Sam - 7:30pm ET Hours of Operation: Mon-Frh MidlandCredit Management,Inc. MidlandCredit.com 877-682-4969 POso×301030 LosAngeles,CA90030-1030 PLEASE SEE REVERSE SIDE FOR IMPORTANT DISCLOSURE INFORMATION Checkhereif you providedupdatedcontactinformadonon thereverseside. Manage Your Account Online MCM Account Number 4460 MidlandCredit.com Current Balance $4,121.32 Total Enclosed Make checks payable to: Midland Credit Management Enter your MCM Account # on all payments Kristal L Gessler 11 Broadway Ste 13 877-682-4969 New York, NY 10004-1307 'llillll'llll'lilllllli'l'lill'lllil' ˆ"Ill'll Ill se hablaespañol 877-684-0217 vNY001 FILED: SARATOGA COUNTY CLERK 08/02/2022 12:47 PM INDEX NO. EF20211477 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 08/02/2022 Please understand thisis a commumcation from a debt collector. Thisis an attempt to a debt. collect Any information obtained willbe used forthat purpose. Flexiblepayment options available We'd like to offeryou an opportunityto resolvethisaccount with no further or letters phone calls. Receive PersonalizedService VisitMidlandCredit.com or Call 877-682-4969 This does not alteror amend yourvalidationrights as describedon the front of this letter. We are not obligated to renew provided. any offers MCM is committedto the maintaining higheststandardsof honestyand respect. If you are unable topay today,please view youroptionsonlineat MidlandCredit.comor call one of our Account Managers to discuss options. at 877-682-4969 ExperiencetheMCM Difference " Visit MidlandCredit.com or Call 877-682-4969 an opportunity to accept to resolve this .g p ys. accountwith no further letters or phonecalls. " A dedicated Account Manager will be assigned to your account. " The highest level of transparency (see reverse side for our quick summary). Calls to and/or from this companymay be monitored or recorded. Send Payments to: Send disputes or an instrument tenderedas full satisfaction of a debt MidlandCredit Management,inc. to: Attn: Consumer Support Services PO Box 301030 320 E Big Beaver Rd. Suite 300 Los Angeles, CA 90030-1030 Troy, MI 48083 You may also call: 877-682-4969 We are requiredunder state law to notify consumers of the following rights. This list does not contain a completelist of the rights consumers have understateand federal law: New York City Department of Consumer License Number: Affairs 1140603,1207829, 1207820,1227728,2022587, 2023151, 2023152,2027429, 2027430,2027431, 2058507 PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DVALC your telephone By providing number below, you outhorize your account at such number by MCM or its agents to contact you regarding any means, including calling, texting, using automated dialer systems and automatic telephone dialing systems, and using pre-recorded or artificial your e-mail address below, you agree to receive electronic moil communications voice messages. By providing from MCM or its agents regarding your account at such e-mail address and confirm that such e-mail address is notfurnished or owned by your employer Street Address City State ZIP Email Cell Phone Work Phone Home Phone