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Our Cooperative Collection Agency Member Partner 

 Cooperative Member Agency Encore Capital Group 

Encore Capital Group is a global specialty finance company with 66 years of operating experience and data accumulation. Our subsidiaries purchase or service portfolios of receivables from major banks, and partner with consumers as they repay their obligations and work toward financial recovery. Customer service and regulatory compliance are at the heart of our business and are implemented through our collections strategy.

We help people recover from financial difficulty and turn toward a path of economic empowerment. We believe this can only be achieved through mutual engagement, understanding, collaboration and respect between our company and consumers.

Encore Capital Group has over 8,500 employees across 17 countries. Our operations and investments span across North America, Latin America, Asia, Europe, Oceania, and Australasia.

We believe that our business success is tied to the success of our efforts to strengthen the economic, social, and cultural fabric of our communities. We focus on economic empowerment and helping communities through better education, job training and basic support services.

Encore Capital Group 

Who is Midland Credit Management?

If you are one of our consumers, you probably know us as Midland Credit Management (or MCM). Midland Credit Management, a subsidiary of Encore Capital Group, works with consumers to resolve past-due obligations. MCM services accounts after the originating creditor has charged-off the account. Whether you are looking for a payment plan, discount, or a custom solution, we are here to help.

With over 2,000 highly trained and professional account managers, we are prepared to develop a customized solution for you. We have a long history of integrity and fair dealing, and we will work closely with you to resolve your obligations.

We have created the industry’s first Consumer Bill of Rights, which details our commitment to conduct business ethically and in ways that support consumers’ financial recovery.

Have you heard from MCM?

If you have heard from MCM, your obligation to a lender is now your obligation to Midland Funding, LLC. Please give us a call at 1-877-240-2377 or visit online to learn about your options or discuss your account.

At Midland Credit Management, we strive to treat all of our consumers with the utmost respect and to comply with all applicable local, state, and federal laws. If you are not satisfied with the way we have treated you, the Chief Compliance Officer, Doris Hektor (RMA Certified Receivables Compliance Professional, number P1509-1140, September 2015), oversees a team to investigate these issues. You may contact this team through any of the options below:

-Send an Email Message

-Call: 877-420-0039

-Write to:

Attention: Chief Compliance Officer

P.O. Box 939069

San Diego, CA 92193

See Consumer Resources from RMA International.


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P: 224.772.9603| F: 773.575.5403 |
1749 N. Meade Ave | Chicago, IL 60639  
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