Midland Funding is well-known in the debt-buying industry. They purchase large portfolios of consumer debt from major banks and financial institutions, often for pennies on the dollar. If you’re on one of the lists they acquire, you can expect letters and calls from Midland Credit Management seeking to collect the debt. The types of debt they collect on are generally unsecured, meaning there’s no collateral backing them up. But who exactly do they collect for?

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Dealing with debt collectors can be a nerve-wracking experience, but there’s no reason to make it easy for them to make life difficult. There are several subtle steps you can take to defend yourself and your financial well-being.