Encore describes MCM as one of its two largest operating units and identifies itself as having the leading U.S. consumer-credit debt-purchasing market share.
- Charged-off credit cards
- Personal loans
- Retail finance accounts
- Purchased consumer debt portfolios
Verify the collector before using a link or sending payment.
Compare these details against the validation notice, credit report entry, and any payment page before sharing account or bank information.
- Legal name
- Midland Credit Management, Inc.
- Parent company
- Encore Capital Group
- Known aliases
- MCM / Encore Capital Group / Midland Funding
- Official website
- https://www.midlandcredit.com/
- Consumer portal
- https://accounts.midlandcredit.com/
- Mailing address
- P.O. Box 939069, San Diego, CA 92193
- Last reviewed
- May 20, 2026
If a caller, text, email, or payment site uses different identity details, contact the collector through an official source before responding.
Debt buyer, debt collector, and account servicer
Who owns the debt changes what documentation, authority, and correction path you should ask for before paying.
Midland Credit Management says it purchases portfolios of defaulted consumer receivables and manages repayment with consumers. Midland Funding states that MCM is both a debt buyer and debt collector and also services accounts for Midland Funding and other affiliate companies.
Ask whether MCM owns this account itself or is servicing an account owned by Midland Funding or another affiliate.
Ask for validation showing the current creditor, original creditor if different, account number, itemized amount, and ownership path before paying.
What to know before responding
- 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.
Verify before paying.
A legitimate collector can still have the wrong person, wrong amount, stale debt, duplicate placement, or incomplete documentation.
- The collector name, mailing address, phone number, and website against the letter you received.
- The original creditor, current owner or client, account number, balance, and date of last payment.
- Whether the debt is inside your state lawsuit limitations period before making a payment or written promise.
- 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 the account matches the account types commonly associated with Midland Credit Management: Charged-off credit cards, Personal loans, Retail finance accounts, Purchased consumer debt portfolios.