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Midland Credit Management - Has anyone been ripped off?

Midland Credit Management Inc. offers debt collection and information management services. It is a wholly owned subsidiary of Encore Capital Group, based in San Diego, California.

Consumer feedback on Midland Credit Management

Several consumers have shared their experiences with Midland Credit Management Inc. in the debt forums. Take a quick look at what they've said about this CA.

  • Sending letters to the wrong address: One consumer was embarrassed when Midland Credit Management Inc. sent a settlement letter to a relative's address, making the relative aware of the consumer's financial problems. Learn more...
  • Harassing letters: One consumer reported that Midland Credit Mgmt Inc. sent her a letter asking for payment on an account, which was opened in her grandmother's name. The consumer's grandmother had died several years ago, and the consumer was sure that her grandmother had not owed any money for a loan or credit card when her grandmother passed away. The consumer tried calling Midland Credit Mgmt Inc., but the representative was very rude and hung up the phone when the consumer refused to give any personal details. Find out more
  • Filing judgment for old debt: One consumer was served a judgment from Midland Credit Management Inc. for an FNCB (First National Community Bank) debt that he had paid off long ago. The consumer never received any statements from FNCB and had paid online as long as their website worked. He didn't receive any correspondence from Midland Credit Mgmt Inc. prior to the judgment, and was very confused why he was sent a judgment order and not a summons. Learn more
  • Harassing calls: Midland Credit Management Inc. repeatedly called a consumer regarding payment on a cell phone bill. When they were told that it was already paid off to another collection agency, Midland Credit said the SOL wasn't over and the consumer needed to pay off the account fast. The consumer had to pay the bill again fearing that Midland Credit Mgmt Inc. may file a lawsuit against him.

    The collection agency is also said to harass consumers by asking them to pay accounts without sending them an account statement. They often insist that consumers pay their bills on phone and not through certified mail. Find out more...

How to deal with Midland Credit Management Inc.

If you get a call from Midland Credit Management Inc. and you're not sure you owe the debt, send them a debt validation letter asking them to verify that you owe the money. If the CA provides you with enough evidence that you owe the debt, then you should pay the debt. If you're unable to pay off the entire balance, you should try to negotiate a debt settlement with Midland Credit Mgmt Inc. For further information, check out these tips on how to deal with debt collectors and dispute your account.

How to contact Midland Credit Management

If you need to contact the collection agency to dispute your account or request a settlement, you should send them a certified letter at the Midland Credit Management Inc. address below:

Midland Credit Management, Inc.
P.O. Box 939019
San Diego, CA 92123-9019

If you'd like to discuss an account dispute, you should call Midland Credit Mgmt at (800) 825-8131 ext. 2980.

member profile picture

is the midland credit management collection agency

Posts: 3370
Credits: 26958.65

Sub: #1 Midland Credit Management Inc is a collection agencyTheir # is
Wed, 03/15/2006 - 15:16

Midland Credit Management Inc is a collection agency
Their # is 888-403-6206
5775 roscoe ct
san diego, CA 92123 is the addy I have for them.
For more information look here.

Posts: 1234
Credits: 35065.55

Sub: #2 Midland Credit Management can be reached at 800-282-2644. This i
Wed, 03/15/2006 - 15:17

Midland Credit Management can be reached at 800-282-2644. This is the forum of debt consolidation Care and one of the threads here is discussing about MCM. You can also post your comments and views here and interact with us.


Posts: 1304
Credits: 78053.25

Sub: #3 I have an account with midland. Weird, the account was originall
Wed, 03/15/2006 - 19:32

I have an account with midland. Weird, the account was originally a fingerhut account. Then midland took it and hired Phillips and Cohen to collect it. I posted about this a while back--a collection agency collecting for a collection agency. weird but I have two accounts that are doing this. The other was a MBNA account and it went into collections to Hilco receivables, and now Phillips and Cohen are collecting on it as well.


Sub: #4 MCM
Thu, 03/30/2006 - 07:15

I have had calls from MCM, who has acted like they were KGB using hard tactics. A real joke to someone who has lost everything and been to jail. I tried to contact them, their address has changed in the past weeks. They want me to disclose more info than I prefer to, just to tell me what they want. I have found many, many complaints regarding Midland Credit Management online. The caller, obviously from INDIA uses names like Tom Jones, or Bill Smith... what a joke. I usually invite them over for some beef and tell them to call anytime. Fools.


Debt Samaritan
Posts: 1646
Credits: 2396.15

Sub: #5 Eric, Have you requested for a validation? collection agencies
Thu, 03/30/2006 - 09:59


Have you requested for a validation? collection agencies should provide debt validation prior to starting collection efforts. Send them a letter via CMRRR and also add one paragraph stating all communications should be through correspondence only.


Sub: #6 midland credit management
Thu, 03/30/2006 - 17:08

i had an account with ugly duckling auto sales...ended up fillink a bk .the car was discharged.u.d. turned into drive time,whome sold it to mcm.they wont give up even thow theres a bk.


Debt Samaritan
Posts: 1646
Credits: 2396.15

Sub: #7 Was the account included in bankruptcy? If yes, they cannot coll
Fri, 03/31/2006 - 11:13

Was the account included in bankruptcy? If yes, they cannot collect it any more. You should consult your bankruptcy attorney about this.


Sub: #8 Midland is such a rip-off. I too had an account with Ugly Duckl
Mon, 08/14/2006 - 14:58

Midland is such a rip-off. I too had an account with Ugly Duckling, and an ugly duck is exactly what I got. I ended up giving it back to Ugly Duckling, who was bought out by Drive Time. Originally, it was listed as a charge-off and they never persued payment of any king - mainly because my complaint about the vehicle was legit. Now, Midland is holding the receivable on that account. They hound me like a dog and they won't accept any certified mail. Makes you wonder...HMMM

Good Nelly

Posts: 2374
Credits: 50273.4

Sub: #9 yup validation of debt is very important....most of the CAs are
Wed, 01/02/2008 - 03:06

yup validation of debt is very important....most of the CAs are bullies who try each and every trick of the book to harass innocent people. And the only thing that can bring these crooks on the right track is debt validation. Ohh yes, dont forget to send the DV via certified mail with a RRR. Once you send a DV to them you can be sure that they wont contact you. Even if they contact you they wont give you a proper validation of the debt. In such circumstances it is very important to know the laws and to fight back.


Sub: #10 collection letters
Mon, 02/04/2008 - 10:19

What can I do... Midland Credit Managment sent a collection ("Settlement Opportunity") letter to me, but to a relative's address. The relative opened the letter (not expecting any mail for me - just blindly opened the envelope without looking at the name, innocent mistake). I do not live at that address! Now I'm thoroughly embarrassed because they have intimate knowledge of my financial difficulties!

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