Debt Consolidation, Debt Management and Debt Settlement

Midland Credit Management - Various Collection Malpractices

Midland Credit Management Inc (or commonly MCM) is a collection agency. It is a wholly owned subsidiary of Encore Capital Group. They generally collect unsecured and charged-off debts.

Midland Credit Management - Various Collection Malpractices

Consumer response about Midland Credit Management is not that good. Some of their malpractices include:

Midland Credit Management is double reporting to the credit report for the same debt.
MCM is harassing for a debt account which has already been included under bankruptcy.
Midland Credit Management Inc is sends collection letter to relative's address.
They are falsely reporting to consumer credit reports for accounts which the consumer never possessed.

How can you stop them?

You can send a debt validation letter via certified mail to Midland Credit Management and wait for their reply. Until and unless the CA can provide a proper validation of the debt, they are not allowed to collect the debt.
Now if they validate your debt, send them a certified letter asking for the settlement of the debt.
Try to make them agree for pay for deletion, as this will help you in improving your credit score as soon as you repay the debt.

Contact Details

If you want to contact Midland Credit Management Inc. you may call or mail them at any of the locations mentioned below: -

Midland Credit Management Inc.
8875 Aero Drive Suite 200
San Diego, CA 92123
Phone: (858) 560-2600 / (877) 445-4581(Toll Free)

If you stay at Phoenix, you can mail them at: -
4302 E. Broadway Rd.
Phoenix, AZ 85040-8808
Phone: (602) 707-0211 / (800) 265-8825 (Toll Free)

Related Topics: -

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Posted: Wed Mar 15, 2006 3:59 pm Post subject: Midland Credit Management - Various Collection Malpractices

is the midland credit management collection agency _________________ Register today to encash debtcc points.

edward1
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Debtcc Points: 100

Posted: Wed Mar 15, 2006 4:16 pm Post subject:

Midland is a collection agency Their # is 888-403-6206 5775 roscoe ct san diego, CA 92123 is the addy I have for them.

Jessi
Moderator

Joined: 01 Dec 2005
Posts: 3461

Debtcc Points: 20239

Posted: Wed Mar 15, 2006 4:17 pm Post subject:

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.

david
Debt Samaritan
david

Joined: 04 Jan 2006
Posts: 1269

Debtcc Points: 30164

Posted: Wed Mar 15, 2006 8:32 pm Post subject:

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.

imkimssister
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Joined: 05 May 2005
Posts: 1341

Debtcc Points: 62461

Posted: Thu Mar 30, 2006 8:15 am Post subject: MCM

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. _________________ Register today to encash debtcc points.

Eric
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Debtcc Points: 100

Posted: Thu Mar 30, 2006 10:59 am Post subject:

Eric, Have you requested for debt 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. _________________ Read my thoughts about Debt and Credit.

stanley
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stanley

Joined: 30 Sep 2005
Posts: 1714

Debtcc Points: 253

Posted: Thu Mar 30, 2006 6:08 pm Post subject: midland credit management

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. _________________ Register today to encash debtcc points.

terry
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Debtcc Points: 100

Posted: Fri Mar 31, 2006 12:13 pm Post subject:

Was the account included in bankruptcy? If yes, they cannot collect it any more. You should consult your bankruptcy attorney about this. _________________ Read my thoughts about Debt and Credit.

stanley
Moderator
stanley

Joined: 30 Sep 2005
Posts: 1714

Debtcc Points: 253

Posted: Mon Aug 14, 2006 2:58 pm Post subject:

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

nichol01
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Debtcc Points: 100

Posted: Wed Jan 02, 2008 4:06 am Post subject:

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.

goodnelly
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good.nelly

Joined: 20 Jun 2007
Posts: 632

Debtcc Points: 8494

Posted: Mon Feb 04, 2008 11:19 am Post subject: collection letters

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!

ImBroke
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Debtcc Points: 100

Posted: Wed Feb 13, 2008 8:50 am Post subject: MCM

Ok guys, I'm having problems with MCM and read all your postings about what to do. But what is a "DV", "RRR" and what do you mean by sending a leter via CMRRR?

James1278
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Debtcc Points: 100

Posted: Wed Feb 20, 2008 12:11 am Post subject: Fight Midland

The way to stop Midland Credit Management is to send them a regular letter first. Request that they validate the receipt. Wait about thirty days and send them another letter again requesting the validation of the debt. They will never answer. The third letter send it via CMRRR (that is a Certified Mail Return Receipt Requested for those that wanted to know). This time state to them that you have requested in writing on two separate occasions that they validate the debt. Again..wait about 30 days. Make sure that all letters are dated the day you send them in the mail and keep copies of them. Once you get the Return Receipt back from the post office and have waited the last 30 days. (90 days from start) now it is time to talk to the credit bureaus. Send a letter via CMRRR to the credit bureau that shows a derogatory comment and request that the bureau remove the debt from your account that you have contacted Midland Credit Management on three separate occasions with no response. Enclose all copies of all three letters and also a copy of the Return Receipt. Within 30 days you should have a response back from the credit bureau that you notified that the debt has been removed from your account. Midland will never answer any of your letters. Do not call them, only write to them.

Midlandsucks
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Debtcc Points: 100

Posted: Wed Feb 20, 2008 12:22 am Post subject: Address for Midland

I forgot to give the address to Midland. Midland Credit Management 8875 Aero Dr., Ste. 200 San Diego, CA 92123

Midlandsucks
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Debtcc Points: 100

Posted: Tue Mar 25, 2008 11:54 am Post subject: MIDLAND

I SUGGEST THAT WE ALL GET THEM OFF OUR REPORTS ASAP. SEEMS TO ME THAT THEY ARE RIPOFFS AND JIVERS. _________________ Register today to encash debtcc points.

NELLY DREAMS
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Debtcc Points: 100

Posted: Thu Mar 27, 2008 3:48 pm Post subject: Midland

Ok. i was trying to get an apartmetn and these people showed up on my credit report and i have no idea who midland credit is? i am trying to figure this out. On my credit report, it shows that i owe them $340 or something. What do i do? i' don't even know where this company is from?