Midland Credit Management Phone Harassment

Midland Credit Management Harassment

If Midland Credit Management is calling you repeatedly, sending collection letters, or threatening legal action, there is a specific legal process you must follow to protect yourself. The first 30 days after their initial contact are critical. During this time, you have the right to demand written proof of the debt, stop collection calls temporarily, and force Midland to verify ownership of your account. Failing to act within this window can weaken your position and make collection easier for them.

This guide explains exactly how to respond, what documents to request, and how to prevent Midland from using pressure tactics against you.

Who Is Midland Credit Management?

Midland Credit Management, Inc. is a nationwide debt buyer and collection agency that operates across all 50 U.S. states. Unlike traditional collection agencies that work only on behalf of creditors, Midland often purchases charged-off debts and collects for its own profit.

Company Overview

• Parent Company: Encore Capital Group, Inc. (NASDAQ: ECPG)

• Headquarters: San Diego, California

• Operating Area: All 50 U.S. States

• Business Model: Debt purchasing and in-house collections

Corporate Ownership & Related Companies

Midland Credit Management is wholly owned by Encore Capital Group. Through its subsidiaries, Encore operates one of the largest debt-buying networks in the United States and internationally.

Related companies include:

• Midland Funding, LLC

• Asset Acceptance, LLC

• Cabot Financial (UK)

In many debt collection lawsuits, you may see two related entities involved:

• Midland Funding, LLC → Legal owner of the debt

• Midland Credit Management, Inc. → Servicer and collector

This structure allows Midland to purchase delinquent accounts and pursue collection or legal action directly.

Contact Information

Address:
2365 Northside Dr, Suite 300
San Diego, CA 92108

Main Phone Number:
(800) 825-8131

Is Midland Credit Management a Scam?

No. According to the Better Business Bureau website, Midland Credit Management is a legitimate, publicly backed company owned by Encore Capital Group.

However, being legitimate does not mean they always follow the law.

Common Consumer Complaints

Reported issues include:

• Attempting to collect wrong debts

• Inaccurate account balances

• Aggressive calling tactics

• Poor recordkeeping

• Suing without full proof

• Incorrect credit reporting

Many lawsuits against Midland involve documentation gaps and identity mistakes.

Legitimate companies can, and often do, violate consumer protection laws.

Who Does Midland Credit Management Collect For?

Important Note:
Once Midland Credit Management purchases these charged-off accounts, it becomes the legal owner of the debt and collects it for its own profit, not on behalf of the original lender.

Debt Buyer vs Original Creditor: Lets Clarify

Why Is Midland Credit Management Calling You?

MCM may contact you if:

• They purchased your charged-off debt

• Your account is past due

• They are preparing legal action

• They are offering a settlement

Never ignore repeated calls, ignoring them can lead to lawsuits.

Midland Calling About a Debt You Don’t Owe?

This is very common.

Possible reasons include:

• Identity theft

• Wrong person

• Data errors

• Paid debt

• Time-barred debt

• Bankruptcy discharge

In 2024 alone, tens of thousands of CFPB complaints involved wrong-debt collection.

How to Dispute a Midland Debt (Step-by-Step)

Step 1: Verify the Caller

Ask for:

• Agent name

• Company name

• Mailing address

• Account number

Do NOT give SSN or admit liability.

Step 2: Send a Debt Validation Letter

Within 30 days, request proof in writing.

They must provide:

• Original creditor

• Amount owed

• Ownership proof

• Account records

During validation, they must stop calling.

Step 3: Review Their Response

If documentation is weak, the debt may be unenforceable.

If valid, consider settlement.

What Happens After Disputing?

If there’s a Midland Credit Management, Inc. Lawsuit filed against you, you will likely get notified via your mail. The first thing to do in the case of a MCM debt Collection harassment is to get access to the services of a consumer attorney as quickly as you can. Call us at 877-700-5790 NOW!

Facing Harassment From These MCM Numbers?

Stop the automated calls and unsolicited text messages. Regain your peace of mind while ensuring the debt collectors pay for the violation of your rights. Contact a professional to understand debt harassment laws better and to stop Midland Credit Management from contacting you illegally.

Remove Midland Credit Management From Your Credit Report?

If you find Midland Credit Management listed on your credit report, it indicates that a creditor has engaged them to collect a debt on their behalf. This listing can negatively impact your credit score, as it reflects an outstanding debt. However, Midland Credit Management is obligated to comply with the Fair Credit Reporting Act (FCRA) when reporting debts to credit bureaus. Unfortunately, some individuals also report experiencing Midland Credit Management phone harassment, adding to the stress of debt collection.

If you believe that the debt reported by Midland Credit Management is inaccurate, you have the right to dispute it with the credit bureau. By doing so, you can request an investigation and potentially have the erroneous debt removed from your credit report, thereby protecting your credit score from unjust damage.

Get Help From Consumer Rights Attorney!

Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from MCM. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at (877)700-5790 for immediate assistance.

FAQs

What is the phone number for MCM customer service?

The main Midland Credit Management phone number is 877-653-4161, though they also use other MCM debt collection phone numbers like 877-366-1642. Always confirm from their official site to avoid Midland credit scams.

Is MCM a legit debt collector?

Yes. Midland Credit Management (MCM) is a legitimate debt collection agency, but it has faced lawsuits, complaints, and harassment claims. Some consumers even report Midland Credit Management fake summons.

What number is 877-366-1642?

877-366-1642 is a known Midland collection agency phone number. Many consumers report frequent calls, sometimes viewed as MCM debt collection harassment.

What is the number 13202075189?

+1 (320) 207-5189 has been linked to Midland Credit Recovery. Always confirm before paying, as some scam calls mimic Midland Credit Management phone numbers.

Should I answer MCM calls?

Yes, but proceed carefully. If you suspect Midland Credit Management harassment, request debt validation before making any Midland Credit Management payment.

Can you settle with Midland Credit Management?

Yes. You can often negotiate a Midland Credit Management payment for less than the full balance. Always get the settlement agreement in writing.