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We Are Working Through Lloyd Ward to Resolve Our Debt But Have a Problem With CACH. – Melanie

Written by Steve Rhode

“Dear Steve,

A few years ago, I maxxed out a credit card through HSBC Bank. Up until this past November, I had been paying $100 per month, as agreed to in a phone conversation with Midland Management. Even though I had requested several times for them to send me a copy of the debt owed and payment agreement, they never did.

I stopped asking. In December, the $100 did not come out of my bank account. I intended to call and inquire, but life gets busy and I didn’t. I figured they would send me a letter or something. Since I’m never home, and Midland Management told me in one conversation that they can’t leave messages for some reason, I have no idea if they have been calling or not.

I just, today, received in the mail a form letter from a local lawyer referring to a CACH judgement. The only outstanding unsecured debt I have is the one I had been paying on, and I’ve had no letters from Midland Management or whatever company they may have sold the debt to. I’m at a loss as to what to do.

My husband and I are involved with Lloyd Ward and have had several debts of his resolved through them. I’m not sure if this circumstance it too far gone to bring it to Lloyd Ward to help resolve. I chose to keep this particular debt to work on at my own pace, but it has severely backfired.

Should I wait to see if any letters are mailed to me concerning this judgement from CACH? Or should I try to contact Midland Management and see what has happened to that particular debt? I’ve had such bad experiences on the phone in the past and I’m very reluctant to call anyone.

Thank you for your time and whatever advice you can spare.


closeup of a gavel on cash, from above

Dear Melanie,

Well it seems too late to dispute the debt since you accepted the debt and were making payments on it. And I do understand the issue about the collection company leaving messages. They need to be very particular about who might hear the message. They don’t want to run into trouble with the Fair Debt Collection Practices Act which has strict guidance about disclosures to third parties.

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I think at this point the debt is still somewhat of a mystery since we are not certain it is the same one that CACH apparently has a judgment against you on.

I would suggest you get a copy of your consolidated credit report to see if this is the same debt that once was with Midland. The credit report will help to clear up that information and may show us two open account or this one account being passed on to CACH and a public record entry for when you were sued.

If you were improperly served you might be able to get the judgment unwound and if you should contact Lloyd Ward’s office for advice if they can assist you with legal advice on that debt.

Please post your responses and follow-up messages to me on this in the comments section below.


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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • Thanks so much, Steve. We will be contacting Lloyd Ward to see what they can help us with. Since we’ve only gotten the one notification, and it really was only a letter from a law firm that said they had “heard” about a judgement on my account, we aren’t going to panic over this. We’ll take it one step at a time. I’ll certainly look into getting a credit report as soon as possible. I’ll keep you posted on what all transpires.

  • You should contact CACH to confirm what debt this is for. since you were working with Lloyd Ward, they should have pulled your credit when you enrolled. If they were doing there job they would have made arrangements on the account, and not let it go as far as it did.

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