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Updated by Attorney Derek DePetrillo on April 05, 2024

Midland Credit Management Phone Harassment

Are you being harassed by Midland Credit Management? Midland Credit Management is a legitimate debt collection company that is licensed to pursue you over the debts you owe to them or to an original lender. What Midland Credit Management is, however, not permitted to do is harass, coerce, threaten, or intimidate you into the payment of a delinquent debt.

Some debt collectors are fond of harassing debtors in a bid to get them to pay up their debts. It is frustrating to be seeking ways to settle your debt and still be getting harassed by debt collectors at the same time.

This goes without saying that if you are currently being harassed by debt collectors, you do not have to put up with that. our rights as a consumer are protected and federal laws like FDCPA, TCPA, and FCRA have made provisions to ensure that you are not harassed just because you owe debts to your creditor. So, if you have been enduring Midland Credit Management debt collection harassment, you do not have too anymore.

If you cannot afford to pay your debt in full at the moment, negotiating with your debt collector is an option you should be willing to consider. Debt collectors may not accept to have you pay less than you owe but they may agree on a more convenient payment plan for you that suits your monthly income.

Debt collection Agencies, Creditors, and Credit Reporting Agencies must respect your rights according to federal law. If you suspect that your rights are being violated, reach out to us on 877-700-5790. Under the FDCPA, you are entitled to statutory damages up to $1000 and Midland is responsible for paying your attorney fees.

Who is Midland Credit Management?   

Midland Credit Management is a licensed debt collector in all 50 states. Midland Credit Management Inc, operates as a subsidiary of Encore Capital Group, Inc. A formidable force, these sister companies are the nation’s largest debt buyer and collector.

In 2015 the Consumer Financial Protection Bureau (CFPB) took action against the nation’s two largest debt buyers and collectors for using deceptive tactics to collect bad debts. The inquiry uncovered that both companies had purchased debts that were unenforceable due to the fact that they were inaccurate or lacking proper documentation.

Contact Information 

2365 Northside Dr. Ste 300

San Diego, CA 92108-2709

(800) 825-8131

Midland Credit Management calling over a debt you do not owe?

Last year alone, over 40,000 complaints were received by the CFPB from consumers who claimed that a debt collector like Midland Credit Management was trying to collect a debt they did not owe.

While there may be many reason why Midland Credit Management Inc. may be calling you over a debt you do not owe (such as system errors, having a similar name with the person who actually owes the debt, identity theft, or fraudsters trying to carry out Midland Credit Management scams), more often than not, Midland debt collection agency may be trying to restart the clock on a time-barred debt, or may be unaware that the debt they are seeking to collect has already been settled or discharged in bankruptcy.

Nevertheless, you shouldn’t have to endure these calls, and this is why we will be teaching you how to dispute a debt you do not agree with and get Midland Credit off your back for good.

How to dispute a debt and win

On any debt collection call, the first thing to do would be to get the identity of the caller. This should include the name of the debt collection representative, the company they represent, a phone number with which you can contact them, and the address where their company is located. In addition, it is important to remember not to give them personal information (such as your full name, address, social security, or phone number) or admit that you owe the debt. This is extremely important especially when you don’t know who you’re talking to.

If the collector can’t identify who they are, then chances are you are about to get scammed. Hang up the phone and do not engage the caller.

Legally, Midland Collections should furnish you with information regarding the debt during the initial phone call or within five days from the date of the first call. This information should tell you your full name, the amount of the debt, the name of the current collector or debt buyer (if the debt has been bought or transferred), and information about how to contact your original creditor. If the debt was bought or transferred, then you may want to contact your original creditor for a confirmation.

Step 2:

The next step in the process of disputing a debt will be to actually send a debt dispute Letter; this is also what is known as a debt verification letter.  Send the debt dispute letter within 30 days of the time you get the contact info to the address you got from the caller. Note that you have just 30 days to do this, or else the collectors from Midland Credit Management Inc. will have the right to assume that the debt is indeed yours and begin to fully pursue collection.

To send a debt dispute letter, you may use any of the sample letters prepared by the CFPB for this purpose, or better still, contact a consumer rights attorney to do so for you. An attorney is experienced in dealing with these kind of situations, and they will be poised to give you excellent advice.

Sometimes, sending a debt dispute letter fixes everything. If you are being contacted by a fraudster, or a debt buyer who does not have proper documentation to prove that the debt is yours, then a debt dispute letter fixes everything, but if you actually owe the debt and Midland credit collection has evidence to prove that you do, then there is a series of events that may unfold starting from when they receive your letter.

When Midland Credit receives your letter, they must respond by sending you a detailed verification of your debt in a written document. During the period before you receive the document, they must cease all forms of communication with you until they are able to prove that you owe the debt.

If they can prove that you owe the debt, then they will commence collection attempts. If you don’t respond, then they may pursue legal actions against you and you will have to hire an attorney to represent your interests in court.

What you should know before negotiating with debt collectors

If you are considering negotiating with Midland Credit Management, there are things you must know to properly maximize the situation. Debt collectors have a lot of experience and may end up getting you to agree to less-than-favorable terms if you go into a negotiation without proper knowledge of how the process works.

  • Know your rights: You must have an awareness of your rights under the various federal laws that govern debt collectors’ activities. Having this knowledge will make you more confident and logical when speaking with a debt collector.
  • Do your research about the debt collection agency: In every negotiation, understanding the other party gives you an edge. It is the aim of every debt collector to make money by getting you to pay your debts. You must be aware of that.
  • Make a debt validation request: The fact that you got called about debt does not mean that it is yours. Mistakes happen all the time with collection agencies hence the necessity for confirming if the debt is actually yours. This will prevent you from paying a bill that is not yours.
  • Figure out how much you can pay and how it will affect you: To properly negotiate, you must have made a plan on your finances so as to know if you can afford to pay your debts and how to go about it. You need this information to productively negotiate.
  • Start low: When you start negotiating, offer to pay way less than you have in mind. The debt collector may reject or accept the offer. Do not be moved or afraid regardless, keep negotiating until you arrive at a payment agreement that is favorable to you.
  • Pen it down: Whatever agreement is made between the collector, and you should be put into writing.

Midland Credit Management Debt Collection Harassment? 

Being harassed by a debt collector is never a nice experience. People have had complaints about Midland Credit Management Debt Collection. If you’re in this situation, you must understand that although MCM is allowed to contact you to discuss paying back your debt, they are not allowed to harass you in any way.

Midland Credit Management Debt Collection is an entirely legal and routine process, however, harassment in the process of debt collection is wrong and against the law. It is also strongly frowned upon by the FDCPA. Be confident to speak up if your Midland Credit Management debt collection experience has become a nightmare. It may be in the form of Midland Credit Management Phone Harassment, threats, deception, or unfair treatment.

Midland Credit Management, Inc. Lawsuits

It is not unusual for people to get sued by debt collectors. Many times, when debt collectors have made many attempts to recover debts and are unsuccessful, they resort to suing the debtor. Therefore, Midland Credit Management, Inc. Lawsuits are not out of the ordinary.

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 an MCM Lawsuit is to get access to the services of a consumer attorney as quickly as you can. Call us on 877-700-5790 NOW!

Is Midland Credit Management a Scam?

According to the Better Business Bureau website, Midland Credit Management has been in business for 66 years. MCM helps consumers resolve their delinquent debts by providing education and payment plans.  There have been 306 customer complaints against them, which include billing and collection issues. Read more about it here: Midland Credit Management BBB Page 

Facing harassment from these MCM numbers?

913-312-3223,303-255-5352,303-255-5349, 614-729-5609,614-729-6087,614-212-5287,614-212-5288, 844-271-2816, 720-728-3217, 614-212-7500, 877-475-3483, 913-577-5000, 614-729-6090, 720-456-3686, 303-255-5349, 614-534-2515, 303-255-5352, 614-729-6090,303-255-5354, 614-534-2519, 614-212-5293, 614-729-6091, 614-754-4060, 913-563-5511, 720-456-3687, 913-563-5510, 614-729-6087, 913-312-3223, 614-729-5609, 614-754-4132, 614 754-4136, 801-438-8376, 208-719-3271, 303-255-5054, 614-729-7086, 614-754-4137, 614-534-2525, 614-534-2547, 877-411-5551, 858-251-1496, 248-216-1535, 866-580-4780, 800-282-2644, 858-309-6964, 888-265-8825 877-411-5551, 858-251-1496, 248-216-1535, 866-580-4780, 800-282-2644, 858-309-6964, 888-265-8825 614-729-6090,  303-255-5349 ,800-545-9931, 866-680-2068, 877-321-3762, 877-496-8820, 915-255-4110, 210-924-8889, 301-223-0068, 301-233-0073, 310-846-0575, 386-233-3013, 425-390-8154, 434-878-9958, 443-550-7962, 504-617-4119, 586-834-1144, 630-315-2407, 702-410-7076, 800-505-5166, 571-431-1957, 703-656-9850, 704-837-4153, 757-209-2037, 800-444-8485, 800-832-8587, 803-384-9480, 813-569-0400, 866-266-6600, 518-207-3608, 586-939-9600, 866-580-4817, 212-777-3436, 301-223-0073, 303-801-9810, 312-348-1530, 410-202-0048, 571-261-0105, 586-834-1343, 630-983-0770, 703-398-0757, 703-656-9939, 757-209-2009, 757-990-8898, 800-451-1791, 800-837-6008, 804-952-9895, 855-373-1821, 866-369-9457, 866-627-7381, 877-207-7202, 877-386-5368, 866-609-5621, 866-819-6804, 877-323-5658, 877-692-6188, 972-607-9743, 443-205-1006, 443-550-7967, 877-277-3850, 434-533-9144, 434-878-9956, 571-261-0109, 800-213-8040, 866-580-4816, 757-209-2028, 703-656-9845, 571-261-0103, 661-346-6768, 703-656-9842, 703-656-9944, 757-990-8905, 800-455-2554, 800-860-0644, 804-952-9901, 855-844-3537, 866-563-0809, 866-643-1412, 877-386-5384, 888-500-2534, 203-713-2679, 207-633-0000, 301-223-0059, 305-508-9068, 323-330-1435, 412-282-1420, 443-550-7959, 480-403-6400, 571-261-0101, 571-431-1960, 615-238-9042, 703-656-9974, 757-990-8984, 800-964-7365, 804-952-9911, 864-569-0178,602-438-4834, 757-209-2019, 191-244-5087, 301-223-0096, 877-768-9844, 207-327-0000, 281-691-6294, 301-223-0076, 305-261-0103, 312-949-0705, 410-881-5363, 434-878-9954, 443-550-7945, 443-550-7969, 888-397-8181, 480-866-1022
  • 1-866-580-4780
  • 1-917-635-1090
  • 1-877-240-2377
  • 1-877-411-5551
  • 1-800-735-2922
  • 1-800-825-8131
  • 1-858-309-6013
  • 1-858-309-6957
  • 1-858-309-6961
  • 1-858-309-6962
  • 1-800 282 2644
  • 1-888-265-8825
  • 1-877-420-0039
  • 1-800-265-8825
  • 1-800-265-8827
  • 1-800-306-4443
  • 1-858-560-2600
  • 1-858-309-6977
  • 1-858-309-6970
  • 1-858-309-6969
  • 1-858-309-6964
  • 1-858-309-6967
  • 1-888-403-6206
  • 1-316-663-1236
  • 1-585-309-6970
  • 1-320-260-8568
  • 1-602-707-0211
  • 1-704-837-0421
  • 1-877-864-3526
  • 1-866-206-9310

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.

The following is a sample list of complaints filed against MCM in 2019 and can be found on Pacer.

3:2014cv01001 Edwards v Midland Credit Management

1:2014bk55176 Shuan Andrew Lawrence v Midland Credit Management

3:2015cv01333 Paschke v Midland Credit Management

3:2013cv02233 Stonemets v Midland Credit Management

1:2012bk02903 Alvin Gabriel Quinonez v Midland Credit Management

About Us

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.

You can also file a complaint directly with the following government entities: Please click on the links below.

Federal Trade Commission

Attorney General California

Consumer Finance

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