Short answer
Yes. Midland is a large, legitimate debt buyer, and Midland Funding often appears as the plaintiff in Texas lawsuits. Being legitimate doesn't mean every claim is valid: it still has to prove it owns your account and the amount owed.
Helpful next
Sources
- Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692–1692p (Cornell LII)
- Tex. Fin. Code ch. 392 (Texas Debt Collection Act), incl. § 392.307
Updated November 2026. General information about Texas law, not legal advice for your case. Laws and court rules change; we review these answers regularly.