Midland Credit Management, Inc. H. Torres, Division Manager I am a senior citizen. I have never heard of Washington Mutual. They threatened to ruin my credit, which is agianst the law. San Diego California

I was contacted by Midland Credit by phone.  I requested that they send documentation of the debt that I owe.  They did not do that.  They have the wrong person, but they are not listening to that.  Then, I received a letter stating that if I did not pay, they would place negative information on my report.  I wrote them a letter stating that it is illegal to collect a debt using threats.  And, I consider ruining my credit to be a threat. I am writing them another letter today.  This time, I am sending a copy of the letter to the Georgia State Attorney General's office and to the Federal Trade Commission.  They use threats, blackmail, and corrupt practices to collect a debt, and it is not even my debt.

Barbara D

Bethlehem, GA