About Us

MCM is the market leader in portfolio purchasing and recovery in the United States. We lead the industry with consumer-centric practices that drive results.

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Established in 1953, Midland Credit Management, Inc. (MCM), a wholly-owned subsidiary of Encore Capital Group, Inc., is a specialty finance company providing debt recovery solutions for consumers across a broad range of assets. We purchase portfolios of defaulted consumer receivables and manage them by partnering with our consumers as they repay their obligations and work toward financial recovery.

In 2011, we introduced the industry’s first Consumer Bill of Rights codifying our commitment to working with our consumers through mutual engagement, understanding, collaboration and respect. Ultimately, we help our consumers recover from financial difficulty and turn towards a path of economic empowerment.

With over 4,000 employees worldwide, MCM is headquartered in San Diego, California, and maintains domestic and international operations across the United States, Costa Rica, and India.

Testimonials

What People Are Saying

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

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.–  

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.–  

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

–  Shawn B.–  

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.–  

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

–  Linda R.–  

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

–  James L.–  

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.–  

Accreditations

MCM works with trusted partners to ensure the highest standards of quality and service.

Corporate logo for RMAi
Corporate logo for Better Business Bureau
Corporate logo for Digicert

The Industry's First

Consumer Bill of Rights

Consumer Bill of Rights Badge

Detailing our commitment to conduct business ethically and in ways that support our consumers’ financial recovery.

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Terms of Use (TOU)

Effective as of May 29, 2019

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