I had a fingerhut account that was bought by Midland, LLC. As other consumers have stated, it was for 1600, plus 500 interest (for their attny) and court costs.
First of all everyone, SHOW UP for court!! This young Dugie Howser attorney showed up from McCullaugh, Payne and Haan in downtown Atlanta and came all the way to the country to file charges on behalf of Midland.
I'd been harassed on the phone, but of course their selective phone logs they brought didn't show the conversation, they had no chain of assignment for the debt owed (look up fair credit practices), I was ready for them!
The first thing the attny asked the judge was to have a private meeting with me. I agreed. He was willing to ask the case be dismissed. What?? I came here with a countersuit. He tried to be arrogant and intimidating because I asked him to dumb down some of the lawyer lingo and answer my questions...and bottom line he couldn't validate my account, Midland assured them it was mine. Not good enough. Where did Midland get the case from? Don't know (I do). He'd never had anyone show up before, and never needed anything but a judge to sign off.
Bottom line is I felt cheated that I didn't pursue my countersuit...sort of like I didn't win, you forfeited. However, it's off my back for now and all I can say is SHOW UP when there's a court date. Be as prepared as you can be, but don't worry if you aren't. Burden of proof is on them. They forget that.