Real Estate Law
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I am sorry to learn about your difficulties.
It appears that Midland is trying not to return the insurance check and use that check for the mortgage, which Midland is not supposed to do. Unfortunately, future checks would continue to be made to you and Midland so long as there is an outstanding mortgage on the property held by Midland. Midland needs to endorse the checks and return them to you. Otherwise, you would not be able to use the checks. Regrettably, you have to send this newest check to Midland for endorsement. However and more importantly before you do so, you need to contact your insurance company and let them know what Midland is doing and see if someone from your insurance company would contact Midland to release the previous check to you.
In the meantime, you need to file complaint against Midland with Consumer Financial Protection Bureau. This is a newly created agency that deals with problem such as yours. On the complaint form, your issue would fall under "Making Payments."
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