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Collections Law/Outdated lawsuits in Alabama


I am so distraught that I have shingles. I am a woman age 53 on SSI disability and living in HUD apts.  I have bad credit BUT I do not recall owing a 2006 Citibank USA, NA credit card that Midland Funding bought and is having an ALabama atty to sue me;I have been served;I did respond, court is mid February AND crazy as it sounds, I have panic disorder and other physical pains that make me a nervous wreck and I just plain cannot face the thought of court, judge,;no matter why I amn there. I always avoid court-BUT the suit is 5.5 yrs old and I may owe it but I just don't know.  I have NEVER heard a word from Midland Funding about this debt.  When I pulled just one credit rept I seen that one PLUS 2 more Midland bought from T mobile back in 2010 and a TRIBUTE Mastercard from 2009 that I do not recognize(I do the Tmobile) bothe on the rept have discrepancies on dates and amounts vs what Midland says.  I hear Alabama statutes on cred card is 3 years-can u verify that-I dunno if websites are accurate and that is my source. WORST thing is my 96 yr old Mom lives at what was her house till last year when she deeded me part and my 3 kids the other part-so there are 4 people on the deed but mom lives there and reserved herself a life estate when she deeded me her 25% last year...could MF have found that out and that is why they seems determined to go to court? Mama is crying, she is old, it is her house and she is declining mentally and physically and just going down fast and this has set her back a country mile afraid she will lose her home over this with a judgment or lien or whatever. Can u check and see if this is possible since 4 of us are on the deed not just me.  And can I give my part away to one of my sons;I was going to anyway--then they cant bother mamas house which aint even worth $40,000...this is so pitiful.  ANd what do I do about the 2 other charge offs they bought that they may hurl at me next?/ I asked about Ch 7 bkruptcy and was told I cant cause I part own a paid for house, humble as it is. Anything on my credit is past 5 yrs old except that Tmo and I am so nervous over my Mom that I cannot think right.  I cannot afford to pay the suit ($1050.80) to Midland for CITIBANK USA. PLEASE offer me advice. I can say the 3 Midland Fundings on my report are the lawsuit onbe and TMO that has bloomed to $950.00 and that TRIBUTE Mastercard at $800.00. I have no extra $ BUT maybe God will send me a helper IF u think a offer to settle will save the house from Midland and keeo me from having to go in court in mid Feb.. THANK YOU

You can always offer to settle the debts.  I would start at 25% and work from there.  As far as the property is concerned, you would need to consult an attorney. I wish I could be of more help but I am not an attorney.  Seek help from Legal Aid in your area.  Good luck with this.

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Ray A Miller


I am qualified to answer questions on the following subjects: FDCPA, FCRA and HIPAA as well as medical collections, general collections and collection agency related issues. I trained these subjects at a nationwide collection agency and customer service call center and audited around 150 representatives for compliance to the laws. I have been in the Collections Industry for over 30 years. I feel that everyone deserves to be treated fairly and with compassion and that is the way I trained collectors. Even though I worked for a Collection Agency, I get great satisfaction in helping those who have been mistreated or in need of help with these confusing issues.


I was the Compliance Administrator with a nationwide collection agency and customer service call center-I have trained hundreds of collectors on the above referenced topics. I have been in the medical collections industry for over twenty years and research these topics on a daily basis.

ACA International

Some college ACA Certified Collection Specialist

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I am retired due to medical conditions and spend a good deal of time keeping current on collection issues.

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