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None. In XXXX My account with XXXX XXXX had to be charged off. I was going through a bad divorce in which I was unemployed and my husband refused to pay spousal support. After the sale of some properties I reached out to Midland Credit Management and offered a lump sum settlement of {$3000.00}. They refused. Afterwhich, I found myself applying for Social Security and living on a limited income. I thought I was acting in good faith by setting up a payment arrangement with them only to realize that I would be paying this for the rest of my life and that I could not afford the extra amount. I requested that they drop the issue due to hardship. They refused. Instead, they began sending me false statements that they had filed with the court. I asked them to stop. They continue to report the am