Had a credit card charged off XX/XX/2014, was sold to a collection agency for {$300.00} more than I owed. Midland Financial 's local counsel attempted to contact me via phone and mail at my father 's home, an address that was never associated with the credit card and has not been used in association with my personal or financial information for over a decade. He is in the early stages of dementia, and as a result phone messages get deleted, letters get misplaced, and when the collection company filed a civil suit against me XX/XX/XXXX he signed for and subsequently misplaced the summons. Discovered the summons in a pile of papers while helping clean his house, and due to the time frame between the discovery of the summons and the trial I opted to just pay the debt as opposed to attempting to mount a defense, since local counsel was not willing to negotiate for the same reasons. My credit report, drivers license, etc. all have my current address and phone number listed, I feel there was a lack of due diligence on the part of the debt collector, either by accident or design. It should be noted that I moved a little over a year ago from the address that was associated with the credit card and filed a change of address with the DMV and mail forwarding with the USPS. The original address and my current phone number were both on paperwork attached to the discovery section of my writ of summons.