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what do you say in response to a demand letter a debt collection letter from midland funding or midland credit management my name is michael wassick im one of the lawyers at ricardo and wassup here in florida together with my partner jason ricardo i help people just like you overcome debt collection with dignity and today im going to tell you how to write a dispute letter in response to a debt collection or pre-legal notice from midland funding or midland credit management so first of all you may have already seen one of our videos talking about these pre-legal notices these pre-legal letters or these other demand letters you might be getting from midland and what they are telling you is that theyre about to sue you for a debt that they claim you owe based on some old credit card debt that they claim to have bought probably for pennies on the dollar now when you get these letters they may or may not tell you about your right to dispute the debt on some of these letters they may act