I have questions about my Midland Credit Management (MCM) account. Who should I talk to?
If you have questions about your debt or need help with your account, we’re here to help. Most of our consumers are able to get all of their questions answered with our easy and convenient self-service tool. You can log in here and review your account.
If you need additional help, we offer live chat with one of our trained Account Managers during most business hours.
Account Managers are also available at (800) 296-2657 Monday through Friday, 8am – Midnight ET, and Saturday & Sunday 8am – 7:30pm ET. Our representatives can help you understand your account, including your balance, the original creditor, and payment options available to you.
If you believe your account has inaccurate information, you can call our Consumer Support Services (“CSS”) at (800) 825-8131, Ext 32980. CSS hours of operation are Monday through Friday 8am – 7:30pm ET.
Who do I contact with questions about my Midland Credit Management (MCM) account before I make a payment?
With our convenient online tools, you can set up a payment plan without calling one of our trained Account Managers. By logging into your account, you can review account details, see account documentation, and even arrange a payment plan that fits your budget.
For questions about your account, use our live chat feature or visit our Contact Us page. If you prefer, you can speak with one of our highly trained representatives available at (800) 296-2657 Monday through Friday, 8am – Midnight ET, and Saturday & Sunday 8am – 7:30pm ET.
I’m not sure this debt belongs to me. What should I do?
When we begin servicing an account, we send a letter to you with details about the account transferred to us and we explain your rights as a consumer. Select documents from your original creditor are viewable on our website. Log in here and go to the Document Center to see these documents. If you still have questions, you can chat live with one of our Account Managers, visit our Consumer Resolution Center, or call Consumer Support Services (“CSS”) at (800) 825-8131, Ext 32980. CSS hours of operation are Monday through Friday 8am – 7:30pm ET.
What if my account has been paid in whole or part to the original creditor?
Our initial letter to you contains important information about your rights. You can log in to your account to check your current balance and review documents associated with your account. If you believe your account balance does not accurately reflect all payments you made to your original creditor, contact us right away so we can take care of that for you. For our fastest service use our live chat option.
For additional questions about your account, please call Consumer Support Services (“CSS”) at (800) 825-8131, Ext 32980. CSS hours of operation are Monday through Friday 8am – 7:30pm ET.
How do I update my account information?
You can view and update your contact information by logging in to your account here. You will be able to review and update your address, phone number, and email address. You may also make changes to your contact information by using our live chat feature or by calling us at (800) 296-2657. Our Account Managers are available Monday through Friday, 8am – Midnight ET, and Saturday & Sunday 8am – 7:30pm ET.
What if I have filed for bankruptcy?
If you or someone else on your account has filed bankruptcy, please notify us or have your attorney notify Consumer Support Services (“CSS”) as soon as possible at (800) 825-8131, Ext 32980. CSS hours of operation are Monday through Friday 8am – 7:30pm ET.
Will Midland Credit Management (MCM) sue me or garnish my wages?
Midland Credit Management wants to work with all our consumers to resolve their accounts and avoid legal action. If you are actively making payments on your account, Midland Credit Management will not sue you. In some circumstances, Midland Credit Management may sue consumers to receive repayment. In those cases, Midland Credit Management may pursue multiple methods of enforcing the account, depending on the jurisdiction. This may include seeking a judgment on the account, enforcing the judgment through garnishments, or placing liens on property when permitted.
Once your account is past the applicable statute of limitations to sue for repayment, Midland Credit Management will notify you in subsequent communications that we cannot and will not sue for repayment.
By signing into my account online, am I restarting the statute of limitations or acknowledging that I must repay my account?
Logging into your account online does not restart the statute of limitations nor does it mean you agree to pay off your account. Midland Credit Management’s website is designed for you to learn more about your account, ask questions, and start the path to account resolution. To keep your information private, you must confirm your identity before logging in.
By using our website, you can also confirm the accuracy of our information. Logging in to the site does not imply that you agree with all the information about the account. We encourage you to review the information online and let us know if you do not believe the account information is accurate. If the debt information is accurate and valid, we encourage you to partner with MCM to find a means to resolve it. Log in now to review your account.