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Resolution Center

Our Consumer Resolution Center is here to help you address issues with your account.


We’ve developed this handy set of FAQs to help consumers better understand what we do and how we can help.

Most Asked Questions

Who is Midland Credit Management (MCM)?

Midland Credit Management (MCM) is a company that helps consumers resolve past-due financial obligations. MCM has serviced millions of collection accounts over the years with the goal of helping consumers achieve financial freedom. MCM works with consumers and also partners with Midland Funding LLC, one of the nation’s largest buyers of unpaid debt.

If you received a letter from MCM, this means a creditor you had an account with has closed your account and sold it to one of our family of companies. You will need to work with MCM, not your original creditor, to resolve your account.

MCM empowers consumers by creating payment plans that work for them. We have helped over 7 million consumers work toward improved financial health.

Who is Midland Funding?

Midland Funding LLC is one of the nation’s largest buyers of unpaid debt. Midland Funding owns accounts with an unpaid balance that have gone at least 180 days without a payment or payments have been less than the monthly minimum. When this happens, the lender may decide to close your account and turn it over to collections.

Lenders often sell past due accounts to companies like Midland Funding. For many consumers, Midland Funding LLC engages with Midland Credit Management, which specializes in servicing outstanding debt obligations and services your account, working directly with you.

See also “What’s the difference between Midland Funding and Midland Credit Management (MCM)?”

What’s the difference between Midland Funding and Midland Credit Management?

Midland Funding LLC owns consumer debt obligations. Midland Credit Management (MCM) is a debt collector that services accounts owned by Midland Funding. However, MCM also purchases and owns some of the accounts it services. This is why some consumers see Midland Funding on their credit report, but others see Midland Credit Management. MCM is dedicated to helping consumers relieve the stress of having unpaid debt.

Why am I being contacted by Midland Credit Management and not my original creditor (the company I previously had an account with?)

When a lender doesn’t receive payment on an account for at least 180 days, or if payments are less than the monthly minimum, they may decide to close the account and turn it over to collections. Many lenders sell past-due accounts to companies like Midland Credit Management (MCM). At that point MCM begins reaching out to consumers.

If you received a letter from us, this means a creditor you had an account with has closed your account and sold it to us. You will need to work with MCM, not your original creditor, to resolve your account. MCM is committed to helping consumers resolve their obligations and get back to doing what they love.

Why am I receiving phone calls from a number I don’t recognize?

Midland Credit Management (MCM) communicates with consumers through letters, email, and phone calls. If your account is owned by Midland Funding or MCM and you received a phone call from a number you don’t recognize, MCM may be trying to contact you regarding your account. Please give us a call at (800) 296-2657 if you have any questions. Our account managers are available Monday through Friday, 8am – Midnight ET, and Saturday & Sunday 8am – 7:30pm ET.

Consumer Resolution Center

Concerns and Complaints

At Midland Credit Management, we strive to treat all of our consumers with the utmost respect and to comply with all applicable local, state, and federal laws. If you are not satisfied with the way we have treated you, please contact us by any of the methods below. Midland Credit Management’s Chief Compliance Officer is Addison Crawford (RMAi Certified Receivables Professional, number P1908-1325, August 2019).

  1. Visit our Consumer Resolution Center
  2. Call 877-420-0039
  3. Write to
    Attention: Chief Compliance Officer
    P.O. Box 939069
    San Diego, CA 92193

Tips to expedite processing of your request:

  • Please provide your Name, MCM Account Number or Original Account Number, the last 4 digits of your SSN, as well as your address and phone number
  • Do not send sensitive information such as your full Social Security Number, Checking or debit card number
  • Provide as much details about your experience as possible, including the names of those you have spoken with
  • If you have previously asked MCM not to call or write you, please state in your letter whether MCM can contact you back for the sole purpose of addressing your concerns. Otherwise, MCM will not be able to contact you to discuss your concerns

General Questions

Call us at 800-296-2657 to speak with an account manager about your MCM account.

Hours of Operation:

Monday – Friday
8am – Midnight ET
Saturday & Sunday
8am – 7:30pm ET


What People Are Saying

We help consumers resolve past-due debts. Hear what some of our consumers say about their experience working with MCM.

She was very professional, very nice, listened to my problem and solved it.

–  Shawn B.–  

He took the time to, not only tell me about the detail of the account, but he actually listened when I said that I needed to ask a more poignant question.

–  Jeffery B.–  

Knowledgeable and willing to go above and beyond to help me.

–  William S.–  

They were willing to help me as quickly as possible, and assured me that it would be done and taken care of.

–  Linda R.–  

Very accommodating, very compassionate and understanding. [The representative I spoke with] listened to me and tried to help me as best as possible and I really appreciate it. He had outstanding customer service.

–  Keyetta F.–  

I don't think I would change anything. My call was answered in a timely manner and the representative was very courteous and he looked into my problem, he spoke to me very nice and I really appreciate that.

–  Tabatha S.–  

Excellent customer service, very thorough and very patient with making sure that I understood the answer to my question.

–  Veronica M.–  

Very helpful, organized and attentive.

–  David B.–  

The representative really seemed to listen, he was also proactive in his suggestions or solutions.

–  James L.–  


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Consumer Testimonials

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