What If I Can’t Afford to Pay My MCM Debt?

If these thoughts sound familiar, this article is for you.

  • What are my next steps?
  • I know I can’t afford to pay the full amount of this debt.
  • I’d prefer to pay only once a month (I get paid only once a month and not bi-weekly) and do it online.
  • I am scared and confused about what to do.
  • I can’t afford a lawyer or lawsuit.

You’re not alone if you’re one of the millions of Americans struggling to make payments on your debt. With household expenses rising and outpacing earnings, debt has also continued to rise. At least 84% of people in the U.S. have at least one credit card,1 and many are finding it more difficult to keep up with their bills.

MCM can help you create a payment plan to pay down your debt faster. We will work with your current situation to make your debt repayment fair and affordable.

Visit us online and chat with our helpful Account Managers to establish a manageable repayment plan or call us to set up a payment arrangement that you can afford.

Want an idea of how much your payments could be? Use our sample debt calculator.







Log in to your account to create your payment plan today.

Contact Us to Know Your Options

We understand that it can be confusing to figure out your next step after receiving a letter from MCM. Contact us directly today to explore all your payment options with us. You may be able to settle for less than you owe.

Here are a couple of ways to get started:

Step 1: Set up a monthly payment plan without being charged additional interest or fees.

Step 2: Take advantage of autopay, so you know your payments are consistently taken care of each month to help you avoid missed payments.

We want to help you resolve your debt with a reasonable payment plan that fits within your budget and gives you peace of mind.

Reach out to us today.

24/7 Secure online access – no registration required. Just enter your MCM Account # and last four digits of your SSN.

Call us at (800) 296-2657 to speak to a friendly MCM Account Manager to discuss your payment options.

Live Chat agents are available to answer your questions in real-time.

Who is Midland Credit Management (MCM)?

If you’ve received a letter, email, or phone call from us, that means that your account has been sold to us by your original creditor and we now own your debt. You can review the details of your debt by signing into your account where you will find:

  • The name of the original creditor
  • Your account balance
  • Your original account number

Log in to your account to view details.


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Effective as of February 7, 2023

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