Just like many others I had a bad year a couple ye
Just like many others I had a bad year a couple years ago. Midland Funding LLC-Cap One took over my Capital One Credit card. We settled on $100 a month. All my contact with them was over the phone. I have absolutely nothing from them in writing. My credit report reflects this account as not being paid as agreed. I have asked them over the phone for some documentation regarding this account. I have none. They called earlier this year and offered to settle my account if I could come up with $8,000. I was unable to do that. After reading some of the comments on Midland I'm glad I didn't because I can't trust them to do the right thing. Do I have any legal recourse regarding documentation stating how much I owe and what I've paid? I have been afraid to rock the boat because of the things I have heard about Midland but I am feeling like I'll be paying these people for the rest of my life.