Q: What information does a company like Midland Credit need to collect an unpaid debt that will hold up in court in Ohio?
Will a simple statement (without a list of transactions) work? Or do they need the original agreement and list of transactions? This is for an unpaid credit card debt that was charged off and sold to Midland Credit. (Assume you're trying to fight it without filing bankruptcy please.)
A: If you filed for bankruptcy after the debt was incurred and you received a discharge, all that they need is your case number.
A: A statement will work showing that you made charges. They don't need the original agreement. They do have to prove that they actually own the debt, and many times don't bother to prove that.
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