Midland Credit Management Utility Debt in Houston, TX
Midland Credit Management is collecting utility debt in Houston. Average: $800. Texas SOL: 4 years. Garnishment: No wage garnishment for most debts.
Known Midland Credit Management Violations
- • Attempting to collect time-barred debt without disclosure
- • Furnishing inaccurate information to credit bureaus
- • Failing to provide proper debt validation
Dispute Strategies
- • File complaint with state Public Utility Commission
- • Request billing audit and meter verification
- • Apply for utility assistance programs (LIHEAP)
- • Dispute estimated vs actual billing
- • Challenge reconnection fees if disconnect was improper
Tips
- • Demand validation within 30 days — Midland often lacks original documentation
- • Check if debt exceeds your state's SOL before making any payment
- • File CFPB complaint — Midland has one of the highest complaint volumes
- • Utilities must offer payment plans in most states
- • Estimated billing can be challenged with actual meter reads
- • Many states ban winter disconnection for heat