<prompt> Human: It was from a CC debt from 2009. Ive read on here before to call up the collections agencys and offer 30-40 of the debt to settle it once and for and all, is it too late for that?  <response>: A local lawyer would probably know better than anyone on Reddit. A quick google search comes up with the following:Looks like they are known for fraudulent civil lawsuits and winning default judgments because the defendentyou often doesnt show up in court.The legal experts advise the consumers to ask for a debt validation also,In case Midland Funding LLC has filed a civil lawsuit against you then legal experts advise that it is extremely important for you to show up in the hearing to avoid providing Midland Funding LLC with the right to cut money from your pay check even before the pay check reaches you. 