Sarah Cosgrave

Sarah Cosgrave is Senior Vice President, Corporate and Government Affairs, for Midland Credit Management (MCM), Inc., an Encore Capital Group subsidiary.

Cosgrave leads the company’s nationwide government affairs efforts and business development organization. She manages both federal and state legislative and regulatory matters, and she serves on the board of Encore’s Political Action Committee (PAC). Cosgrave has served as a member of the MCM Executive Leadership team since January 2020.

Prior to joining the company in 2006, Cosgrave spent five years with Capital One in various operations and business development roles. She brings more than 20 years of experience in the financial services industry. She has been a recurring member of the diversity, equity, and inclusion (DE&I) task force for the Receivables Management Association International (RMAI). Cosgrave holds a Master of Business Administration in finance from San Diego State University and bachelors’ degrees in politics and legal studies from the University of California, Santa Cruz.

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.

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

– V. M.–

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

– S. 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.

– J. B.–

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

– W. S.–

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.–

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.–

Very helpful, organized and attentive.

– D. B.–

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

– L. R.–

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