What Carmen said is true, there is no Midland Credit Solutions or Midland Credit Inc. They emailed me with same information that I owe a payday advance loan. I checked through my credit score, and I checked if I have any new account or inquires that states I owe a loan back. But nothing. Be warn they make you use a Green Dot Money Pak! Debt Collectors don't use it at all!!!! Be wise and careful!