Who is Midland Credit Management?
About MCM

Get to know MCM, who we are, what we do, and how we can help you. See how easy it is to manage your debt online with our flexible payment options. Log in now to view your options.

About Midland Credit Management

Midland Credit Management (MCM) connects with consumers every day to help resolve past-due debts. We specialize in servicing accounts that have fallen behind and have been charged off by the lender. When lenders close these accounts, they often sell them to companies like MCM.

If you’ve heard from us, your lender has probably charged off one of your accounts and sold it to us. MCM enjoys longstanding relationships with major financial institutions and retailers across the country.

MCM is a subsidiary of Encore Capital Group, which is a public company traded on the NASDAQ stock exchange as ECPG. For over 65 years, MCM has focused on driving breakthrough results for consumers and investors.

MCM helps consumers take control of their financial future. We understand that having debt is difficult. That’s why we empower our consumers through flexible repayment options that fit their needs. With MCM, you can expect to be treated with fairness and respect as you take steps toward financial recovery.

Midland Credit Management Is Here to Help

We have a wide range of payment options to fit your unique needs. We created a secure, online payment portal to give you the tools you need to take care of your account when and where you want.

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Reach MCM by Phone

Our expert account managers take the time to understand your unique situation. We work with you to find your best path to financial recovery. We can answer any questions you might have. Call us at 800-296-2657 to speak with an account manager.

Midland Credit Management and Midland Funding LLC

You might have noticed Midland Funding LLC or Midland Credit Management on your credit report. Midland Funding owns past-due debt accounts and partners with MCM to service those accounts. Learn more about Midland Funding LLC and its relationship with MCM.


Midland Credit Management is led by a team of executives with industry-leading knowledge and expertise to drive results for consumers, employees, and the communities where we operate. Learn more about MCM’s executive leadership team.

Our Commitment to Social Responsibility

MCM is committed to giving back to the communities we call home. Learn how our Corporate Social Responsibility programs promote financial literacy and support economic empowerment.

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Trusted Since 1953

Midland Credit Management has been empowering consumers for more than 65 years.

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We’ve helped more than 7,000,000 people regain their financial independence.

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Nationwide Support

Our team helps consumers in all 50 states get back to doing what they love.

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Helping consumers since 1953

Welcome to Midland Credit Management! We have helped more than 7 million consumers in the U.S. get back to doing what they love.

Learn more about us in this short video.


What People Are Saying

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

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.

–  J. B.–  

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.

–  K. F.–  

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

–  V. M.–  

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.

–  T. S.–  

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

–  J. L.–  

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

–  S. B.–  

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

–  W. S.–  

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

–  L. R.–  

Very helpful, organized and attentive.

–  D. B.–  


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

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Consumer Bill of Rights

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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 February 7, 2023

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Consumer Testimonials

Learn more about what our consumers say about us