I was never personally served; I did call them and tell them about the illegal part, then proceeded to offer to pay only what I originally owed. They refused to work with me. I have offered to pay what I really owed to the Co. and the last collector (Midkland told me it was already charged off). I tried to ask for help before being late the first time and they said “no, we will make more money if we don’t, and we always get the money”. This was by the original creditor. I got a notice when it was to late about court, and could not make it. I am now sending a Request to open Default Judgment. What else can I do. read full review »