Quick Answer: Cristina Escorcia Montano sued Midland Credit Management, Inc. in the United States District Court for the Southern District of Florida under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. The complaint alleges that Midland Credit Management, Inc. continued to contact Montano to collect a debt after she had explicitly refused to pay, which is claimed to be a violation of the FDCPA. Montano seeks damages, costs, attorney fees, and injunctive relief to prevent further violations. This is a legal filing containing allegations; no finding of liability has been made.
Case Update — August 4, 2026
2026-02-20: Doc 2 — Clerks Notice of Judge Assignment — Link
2026-02-23: Doc 4 — Clerk’s Notice to Filer re: Electronic Case — Link
2026-02-23: Doc 3 — Clerk’s Notice to Filer re: Electronic Case, Summons(es) — Link
2026-02-23: Doc 5 — Notice (Other) — Link
2026-02-23: Clerk’s Notice of Judge Assignment and Optional Consent — Link
2026-02-23: Clerk’s Notice to Filer – ELECTRONIC CASE, SUMMONS(ES) — Link
2026-02-23: Clerk’s Notice of Docket Correction – ELECTRONIC CASE — Link
2026-02-24: Doc 6 — Summons Issued — Link
2026-02-26: Doc 7 — Summons Returned Executed — Link
2026-02-26: Doc 8 — Certificate of Other Affiliates/Corporate Disclosure Statement — Link
2026-03-18: Doc 9 — Motion for Extension of Time to File Response/Reply/Answer — Link
2026-03-19: Doc 10 — Order on Motion for Extension of Time to File Response/Reply/Answer — Link
2026-03-19: Order on Motion for Extension of Time to File Response/Reply/Answer — Link
2026-04-20: Doc 11 — Answer to Complaint — Link
2026-04-20: Doc 12 — Certificate of Other Affiliates/Corporate Disclosure Statement — Link
2026-04-20: Doc 13 — Notice of Attorney Appearance — Link
2026-05-06: Doc 14 — Scheduling Order — Link
Primary Source: View Original Complaint (PDF)
Facts as Alleged in the Complaint
The following is taken verbatim from the complaint filed in federal court. These are allegations; no finding of fact has been made.
Factual Allegations
(TODO: Parser could not extract numbered paragraphs from this complaint. Please copy the facts section from the PDF manually.)
About This Coverage
I monitor federal court cases involving debt relief companies as an educational resource for consumers, other companies in the industry, and regulators. This project began on February 27, 2026, and covers cases filed on or after February 20, 2026. Cases filed before that date are not included. I am currently monitoring 334 companies in the debt relief space.
I report on all cases I am able to monitor — no company is singled out or targeted. The goal is comprehensive, fair coverage that helps consumers understand the legal landscape.
Important: The information on this page comes directly from court documents. I present the allegations exactly as stated in those filings — I do not interpret, summarize, or paraphrase complaint language, as doing so could introduce unintended bias. These are allegations, not findings of fact. Every defendant is presumed innocent and has the right to contest the claims in court. A lawsuit is not a finding of wrongdoing.
You can view the full docket at CourtListener.
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Frequently Asked Questions
Has Defendant been found liable in this case?
No. This is a complaint — a legal filing that contains allegations made by Plaintiff. Defendant has not been found liable for any wrongdoing. A finding of liability requires a court proceeding where evidence is presented and evaluated by a judge or jury.
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What does the Fair Debt Collection Practices Act (FDCPA) prohibit?
The Fair Debt Collection Practices Act (15 U.S.C. § 1692 et seq.) prohibits third-party debt collectors from using abusive, unfair, or deceptive practices. It requires collectors to send a debt validation notice and prohibits harassment, false representations, and unfair practices. Statutory damages can reach $1,000 per lawsuit plus actual damages and attorney fees.
What is the current status of this case?
This case was recently filed. See the CourtListener docket linked at the bottom of this page for the complete filing record. This page is updated automatically when new documents are filed.
Where can I read the full complaint against Defendant?
The full complaint is publicly available on CourtListener. The Facts as Alleged section above reproduces the complaint’s factual allegations verbatim. The complete case record, including all filings, is available through the docket link at the bottom of this page.
Source: CourtListener. Information on this page is taken verbatim from the court complaint. These are allegations only; no finding of fact has been made.
Part of the Federal Lawsuits Database
This case is one of 353 federal court cases involving debt relief companies tracked at Federal Lawsuits Against Debt Relief Companies. Browse by company type, legal claim, or alleged conduct to identify industry-wide patterns.
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