Midland Credit Management Complaints

Businessman Taking Money Out of Piggy Bank. Business Concept Cartoon Illustration.

Midland Credit Management (MCM) is a debt collection agency. It usually collects charged-off debt for a “debt buyer” called Midland Funding. MCM can’t harass you, deceive you, or treat you unfairly. If it does, you may have a claim for damages.

If you think Midland Credit Management is harassing you or disregarding your rights, contact BCJ Law’s debt harassment attorney for help. Please complete our contact form or call 1-800-997-5561 for a free case review.

Why does Midland Credit Management keep calling me?

"More than half of consumers contacted about debt 'said these contacts included at least one debt ... in error.'"

CFPB Survey (2017).

Midland Credit Management is a debt collection agency located in San Diego, California. It does not own your debt; it is hired by debt buyers and other companies to collect debt on their behalf.

If MCM is calling you, or if MCM is sending you letters, that means it’s trying to collect a debt from you. Midland Credit Management generally collects debts for an affiliated “debt buyer” called Midland Funding. A “debt buyer” is a company that purchases old consumer debt, sometimes for pennies on the dollar. MCM collects various types of consumer debt for Midland Funding, including credit cards, personal loans, auto loans, and other types of consumer loans.

Do people complain about Midland Credit Management harassment?

Consumers have complain about Midland Credit Management’s debt collection practices in past years. For example, complaint databases maintained by the CFPB and the BBB show the following:

  • Consumer Financial Protection Bureau (CFPB) Database: shows over 11,000 complaints against Encore Capital Group (MCM's parent).
  • Better Business Bureau (BBB) Website: shows hundreds of complaints against MCM.

If you have complaints about MCM’s debt collection practices, visit our debt collection harassment page to learn how BCJ Law can help. Call us at 1-800-997-5561 or complete our contact form.

Does Midland Credit Management sue?

Close to a third of consumers contacted about debt said debt collectors tried to "collect at least one debt the consumer believed he or she did not owe."

CFPB Survey (2017).

Consumers often get pre-legal notification letters from Midland Credit Management. If you get one of these letters, you probably won’t get sued by MCM, but you may get sued by Midland Funding, a company affiliated with MCM.

Midland Funding is a debt buyer that sues tens of thousands of people each year in Pennsylvania. BCJ Law defends and wins Midland Funding lawsuits. To learn how we win, read this post: Sued by Midland Funding? To learn about Midland Funding specifically, read this post: Who is Midland Funding? To learn about debt buyers generally, read this post: What is a Debt Buyer?

How do I get Midland Credit to stop calling me?

A law called the Fair Debt Collection Practices Act (FDCPA) gives you the right to tell Midland Credit Management to stop calling you. The FDCPA also gives you the right to tell MCM when it can call you, or how it can contact you. For general tips on dealing with debt collectors and debt collection calls, read our posts on how to deal with debt collectors and how to deal with debt collection robocalls.

Does Midland Credit have to validate debt?

The FDCPA requires Midland Credit Management to disclose your right to request debt verification (often called validation) within 5 days of first contact. Midland also must disclose that verification request must be written and that debts are assumed valid if a verification letter is not received within 30 days. If you request debt verification, Midland must verify your debt or stop collection activity. For general tips on understanding debt collection letters and debt verification, read our post on understanding debt collection letters.

Can I sue Midland Credit Management?

You can sue debt collectors when they engage in unlawful debt collection practices. Here are common practices that may violate the law:

I. Improper debt collection calls.

  • Repeated, frequent, or persistent phone calls.
  • Contacting third parties, like family, friends, employers, or co-workers.
  • Phone calls at inconvenient times or places, like early in the morning, late at night, or at work.

II. Hollow debt collection threats.

  • Threatening jail time or arrest.
  • Threatening damage to reputation or disclosure of private information.
  • Threatening wage garnishment, seizure of property, or the filing of lawsuits without authority.

III. Other improper debt collection practices.

  • Reporting inaccurate information to credit reporting agencies.
  • Attempting to collect debt that's already paid or not owed at all.
  • Attempting to collect unlawful or unauthorized fees, charges, or costs.

What laws apply to Midland Credit Management?

There are many federal and Pennsylvania laws that give you legal rights when interacting with MCM. Here are some of them:

  • Fair Debt Collection Practices Act (FDCPA): A federal law that prohibits harassing, deceptive, and unconscionable debt collection practices. It also gives you the right to request debt verification and modify how debt collectors contact you.
  • Fair Credit Extension Uniformity Act (FCEUA): A state law that prohibits many of the same practices made unlawful by the FDCPA.
  • Telephone Consumer Protection Act (TCPA): A federal law that prohibits certain calls to cellphones without consent. The TCPA provides for $500 to $1500 per unlawful call.
  • Unfair Trade Practices and Consumer Protection Law (UTPCPL): A state law that prohibits fraud and deception.
  • Fair Credit Reporting Act (FCRA): A federal law that prohibits reporting inaccurate information to credit reporting agencies. The FCRA also limits how your credit report is used.

If you think Midland Credit Management broke the law, learn how BCJ Law can help by visiting our debt collection harassment page. Complete our contact form or call us at 1-800-997-5561.

Can I remove Midland Credit Management from my credit report?

The Fair Credit Reporting Act (FCRA) allows you to dispute inaccurate or out-dated information on your credit report. Disputed information must be investigated and errors must be corrected or removed. It’s important to understand that the FCRA does not allow you to remove accurate information. Visit our fixcreditreport.com website to learn about your rights under the FCRA, including how to dispute inaccuracies and remove old information.

Midland Credit Management Harassing You? Hire BCJ Law to Help.

If you’re harassed by Midland Credit Management, please contact BCJ Law for help. Call 1-800-997-5561 or complete our contact form for a free case review from our debt harassment attorney.

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