Midland Credit Management (MCM) is the part of Encore Capital Group that deals with consumers directly. Encore buys up old, unpaid debts — often charged-off credit cards — and MCM is the name that then contacts you to collect them.
Why this company appears here
Encore is the largest buyer of charged-off consumer debt in the U.S., and MCM is its main collection arm — which is why its letters and calls reach so many people.
Common account types
- Charged-off credit cards
- Personal loans
- Retail finance accounts
- Purchased consumer debt portfolios
Check the company before you click or pay.
Match these details to the validation notice, credit report entry, and payment page before sharing account or bank information.
- Legal name
- Midland Credit Management, Inc.
- Parent company
- Encore Capital Group
- Known aliases
- MCM
- Related entities
- Midland Funding
- Official website
- https://www.midlandcredit.com/
- Consumer portal
- https://accounts.midlandcredit.com/
- Phone - General account questions
- 800-296-2657
- Phone - Consumer Resolution Center
- 877-420-0039
- Mailing address
- P.O. Box 939069, San Diego, CA 92193
- Last reviewed
- June 11, 2026
A matching caller ID does not authenticate a caller: numbers can be spoofed. Find contact details independently through the official company website or your original creditor before responding. Separately verify the debt and any payment instructions in writing.
- Midland Credit Management contact — Midland Credit Management
- Encore annual report filing — U.S. Securities and Exchange Commission
Find out who actually owns the account.
A collector, servicer, and debt owner are not always the same company. That affects what proof you should ask for.
Possible role: Debt buyer, debt collector, and account servicer
MCM buys batches of defaulted consumer debt and then works with people to collect it. It acts as both the debt owner and the collector, and it also collects for Midland Funding and other Encore affiliates — so your letter may name more than one company.
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Ask whether MCM owns this account itself or is servicing an account owned by Midland Funding or another affiliate.
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Ask for validation showing the current creditor, original creditor if different, account number, itemized amount, and ownership path before paying.
- Midland Credit Management about — Midland Credit Management
- Midland Funding about — Midland Funding LLC
- Encore annual report filing — U.S. Securities and Exchange Commission
- CFPB validation notice rules — Consumer Financial Protection Bureau
What official records say.
Each note below comes from a dated government, regulator, court, or SEC record. Use it as background, not as proof about your specific account.
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Massachusetts announced a $12 million settlement with Encore, Midland Funding, Midland Credit Management, and Atlantic Credit and Finance resolving allegations of unfair and deceptive debt-buying and collection practices.
Source- Massachusetts AG Encore settlement — Massachusetts Attorney General
- Massachusetts assurance of discontinuance — Massachusetts Attorney General
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The CFPB reported that a federal court entered a final order against Encore, Midland Funding, Midland Credit Management, and Asset Acceptance requiring $79,308.81 for consumers, a $15 million civil money penalty, time-barred debt disclosures, and five more years of selected 2015 order requirements.
Source- CFPB Encore Capital Group enforcement action — Consumer Financial Protection Bureau
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A multistate attorney-general settlement resolved claims that Midland filed high-volume court affidavits without verifying the information and required changes to affidavit, litigation, debt-buying, and collection practices.
Source- Virginia AG Midland settlement — Virginia Office of the Attorney General
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The CFPB named Midland Credit Management in an Encore Capital Group consent order and ordered Encore to provide up to $42 million in consumer refunds, pay a $10 million penalty, and stop collecting on more than $125 million in debts.
Source- CFPB debt-buyer enforcement announcement — Consumer Financial Protection Bureau
Start with the facts you can check.
- Letters may reference both Midland Credit Management and Midland Funding; distinguish the debt owner from the servicer.
- Because purchased debt can pass through multiple owners, chain-of-title and account-level documentation matter.
Confirm the account first.
Even a real collector can have the wrong person, wrong amount, old debt, duplicate placement, or incomplete records.
- The collector name, mailing address, phone number, and website on the letter you received.
- Who the original creditor was, who owns or placed the account now, the account number, balance, and date of last payment.
- Whether the debt may be too old for a lawsuit in your state before you pay or promise to pay.
- Whether the account appears on your official credit reports from AnnualCreditReport.com.
- The bill of sale or ownership path if Midland Funding claims to own the debt.
- Whether this looks like the kind of account Midland Credit Management commonly handles: Charged-off credit cards, Personal loans, Retail finance accounts, Purchased consumer debt portfolios.
- Encore annual report filing — U.S. Securities and Exchange Commission
- CFPB validation notice rules — Consumer Financial Protection Bureau
- CFPB debt dispute rights — Consumer Financial Protection Bureau
Questions people ask about Midland Credit Management.
Use these answers to sort out roles, names, portals, and account details before responding.
Why is Midland Credit Management contacting me instead of my original creditor?
Midland Credit Management says it services accounts that were sold after becoming past due or charged off by the original creditor. If MCM contacted you, the original creditor may have closed the account and sold it to MCM or to an MCM-affiliated company.
- Midland Credit Management help center — Midland Credit Management
- Midland Credit Management contact — Midland Credit Management
Is Midland Credit Management the same as Midland Funding?
No. Midland Funding LLC is a debt buyer and an affiliate of Midland Credit Management. In many accounts, Midland Funding may be listed as the owner or current creditor while Midland Credit Management services or collects the account, which is why one name may appear on a credit report and the other may contact you.
- Midland Funding about — Midland Funding LLC
- Midland Credit Management help center — Midland Credit Management
How is MCM related to Encore Capital Group?
Midland Credit Management is part of Encore Capital Group. Encore describes MCM as a major U.S. operating unit and says its business includes buying portfolios of defaulted receivables and servicing consumer debt accounts.
- Midland Credit Management about — Midland Credit Management
- Encore annual report filing — U.S. Securities and Exchange Commission
Can I review proof or account documents before paying MCM?
MCM says consumers can use its secure account portal to review account details and account documentation. If the debt does not look familiar or the amount seems wrong, use the dispute or consumer-resolution process and ask for validation before paying.
- Midland Credit Management help center — Midland Credit Management
- CFPB validation notice rules — Consumer Financial Protection Bureau
Where should I go to contact MCM or make a payment?
MCM links to its official account portal from MidlandCredit.com and lists consumer support, complaint, and mailing-address information on its contact page. Avoid using a payment link from a text, email, or caller unless it matches MCM's official site and the written notice you received.
- Midland Credit Management contact — Midland Credit Management
What if I dispute the debt or want validation information from MCM?
A collector generally must provide validation information that identifies the creditor, amount, and dispute process. Send or otherwise submit a written dispute on or before the validation-period end date printed on the notice. When it receives that timely dispute, the collector generally must cease collection of the debt, or any disputed portion of the debt, until it sends verification or a copy of a judgment. If it reasonably determines that a repeat dispute is duplicative—substantially the same as one it already answered, with no new and material information—it may instead send a notice explaining why and referring to its response to the earlier dispute. Keep a dated copy of any dispute and any documents MCM provides.
- CFPB validation notice rules — Consumer Financial Protection Bureau
- CFPB debt dispute rights — Consumer Financial Protection Bureau
- Regulation F § 1006.38 dispute and original-creditor request rules — Consumer Financial Protection Bureau
- Regulation F Small Entity Compliance Guide § 12.3 (submission and receipt timing) — Consumer Financial Protection Bureau
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